23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage lender is Shellpoint Mortgage and they are they are again trying to scam money from me. They previously tried to illegally forclose on my mortgage during the XXXX XXXX - See Complaint # XXXX. Now Shellpoint Mortgage is refusing to accept my Hazard Insurance from my current Home Insurance Company which is XXXX. My home insurance company XXXX has provided this information to Shellpoint Mortgage but they are refusing to accept that I have XXXX XXXX so Shellpoint Mortgage can bill me an additional $ XXXX which will increase my mortgage payment to {$830.00} which I most likely will not be able to afford to pay which is why Shellpoint Mortgage is billing me for Hazard Insurance so they can eventually foreclose on my house and what Shellpoint Mortgage is not right! I currently have Hazard Insurance on my current Homeowners Policy with XXXX and Shellpoint Mortgage is refusing to accept this fact because they again want to illegaly attempt to foreclose on my house again. Shellpoint Mortgage is invloved in fruadulent business practices and should be severly fined by the CFPB. Shellpoint Mortgage has received my XXXX XXXX information from both myself as well as from XXXX XXXX numerous times. I have attached documentation to support my complaint. In addition, Shellpoint Mortgage is claiming I was late 1 month making my mortgage payment but the fact is I have never been late making my mortgage payment with Shellpoint Mortgage. When I contacted them regarding the {$20.00} Late Fee, they were supposed to have applied a {$20.00} credit to my account because they could not figure out which month and year I was late making mortgage payment, On their website home page shows {$20.00} Payment but was never applied to my account. I get collection calls on a daily basis from Shellpoint Mortgage regarding this {$20.00} late fee and if I continue to refuse to pay would could but not for sure result in the foreclosure of my house.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have asked the XXXX and XXXX bank to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, Experian, XXXX and XXXX XXXX. Mostly I called yesterday XX/XX/22 at around XXXX XXXX and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Product: Payday loan, title loan, or personal loan

I open up my Wells Fargo personal line of credit in XXXX or XXXX. Over the past XXXX years, there have been several times I have questioned, whether or not the fees the interest, or even a late fee was right, and just. Apparently with this type of loan, you have to make the payment on that day, even if you make the payment prior to that day, your subject to additional adjustments such as a miscellaneous bank adjustment? For example, in XX/XX/XXXX, I made several payments to pay down my line of credit, but I was still charged a miscellaneous bank adjustment for XXXX dollars. My payments are due on the XXXX of every month. I usually meet my payment date every month and sometimes I have to go back and withdraw funds again on the XXXX or XXXX but apparently if I do that Im charged additional. interest and then it makes my account overdrawn. So I make my payment on time and the very next day Wells Fargo will show that I have availability to withdraw money. I will withdraw the money and then Wells Fargo will tell me. I am over my amount and then Im paid interest. I never claim bankruptcy or foreclosure after I divorce my ex-husband, but I did go through credit counseling. In late XXXX I asked Wells Fargo if I could be late a month and would they forgive it. They said they would but they end up publishing I was late. In XX/XX/XXXX I called Wells Fargo to tell them I would be late on my line of credit. I was late on my line of credit, because I have two household to keep up with due to the inflation and helping my children. Wells Fargo was able to come up with a payment plan and I asked the gal at Wells Fargo if they would report this to the credit report agency and she said no. As long as I make the three payments, we agreed to on time they wouldnt, but thats not true. Wells Fargo did report it and its impacting my credit. I believe that the fees, Wells Fargo has been passing along to me or in just, incorrect and most of all excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Trans Union. They are reporting fraudulent information on my credit report. I have tried to resolve this issue on several occasions via phone conversation, online dispute, and by mail. They wo n't comply with my requests. The items listed on my report are fraudulent. I am requesting that the accounts and inquires be deleted upon receipt. If this matter is n't handled in a timely response I am filing a class action lawsuit against Trans Union and reporting the agencies to the BBB.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX Account has been closed since XXXX closed XXXX with no reason. Before I made all my payments on time and was never late and they abruptly closed my account claiming I'm supposed to keep a deposit of {$500.00}. I give them the deposit and they kept giving it back to me... For 8 months or since I open the account they had the deposit and I had no access to it because it was not even in my account. Now they are reporting they closed the account in XXXX when they closed it in XXXX. Two they are reporting late payment in XXXX when the account been closed since XXXX closed by them with no reason. Three they've added many fees to the closed account that every time I make a payment it doesn't make a difference and are using the credit bureaus to hurt my credit. Credit bureau needs to stop bringing my score down on a closed account that the company are reporting on fees they are creating. They are reporting late payment and payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when the account has been closed since XXXX. When the account was closed I was making payments and balance was lower than the credit limit now because of all the fees it is reporting I'm over the limit. This type of practices are not fair. 
Also they need to remove the comment that I dispute the report and it was resolved because they are not doing what the resolution is so the statement are not true.
Product: Debt collection

I was a XXXX customer until 2017 when my account was compromised as many others and someone tried to purchase 2 XXXX products under my account. The fraud department contacted me about this and we proceeded with an investigation. It was later proven as XXXX very well knew, that this was order was placed under suspicion of identity theft. I left sprint shortly after for safety issues. They are now saying that I owe for past due and for 2 XXXX  products. The account was sold to Convergent Outsourcing. This is how I found out that XXXX was trying to charge me as well for the two XXXX  products I never had with XXXX. I have had 3 XXXX products with XXXX which I switched to immediately after XXXX had the security breach in 2017.
Product: Credit reporting

Transunion has my birthday wrong. 
And, I have a new employer that I would like added on. 
Thank you.
Product: Checking or savings account

Roughly 3 years ago I had an account with TD bank that I barely used with > {$200.00} in it. At some point I was told it was closed and sent to collections for XXXX {$250.00}. After dealing with the bank for roughly a year I was told they made a mistake and it was put in overdraft when it shouldn't have been. That if I agreed to just calling it a wash on both parts they would pull it out of collections and XXXX out the account. 6 months later I found out it was back in collections. After speaking to the bank it was taken back out ... Until 3 months after that I found out it was back in collections again. I have recordings of all my calls, and emails where they stated it had been XXXX 'd out. I have left countless messages and emails, none of which have been returned.
Product: Credit reporting or other personal consumer reports

XXXX has been violated and needs to be rectified! 
My information has been breached by XXXX XXXX and XXXX. Prior to XXXX informing I informed them of numerous things on my account that didnt belong to me and were untrue. They had never proven to me that these accounts were valid. From XX/XX/year> to XX/XX/year> I saw a ridiculous spike in inquiries, and then a magical credit card account appeared from XXXX. I called XXXX to inform them of fraud and ask them to remove the account. they close the account BUT THEY REPORTED IT NEGATIVELY so I called XXXX and told them it was fraudulent and XXXX agreed to remove it. XXXX did NOTHING! 

ChexSystems is reporting to XXXX despite me FREEZING them!!! 

This has hurt my credit and my ability to buy a car and a home!!!
Product: Credit card

According to FCRA 605B, it seems imperative for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? The presence of inaccuracies among the listed accounts is causing me discomfort.
Product: Checking or savings account

BofA is not designed to service clients living full time in XXXX. As a result, simple banking is difficult - XXXX transfers, blocked accounts, hours of attempts to resolve with customer service, etc - I've attached a summary of events that eventually led me to their executive offices. It was suggested if problems continue to bypass customer service and go directly to them ( XXXX named Customer Client ESCALATIONS ) Events occuring after the attached summary include, once again, bank 's inconsistent recognition of my XXXX security key rendering me helpless to transfer money and once again being blocked from my account because of " too many attempts '' I spoke with two separate persons in the " escalations '' services. I then learned that although I have " preferred customer '' service which entitles me to no service charge, there was an inflated FX fee which represented a hefty loss of funds for me ( XXXX XXXX ). 

I sought other options ( none suggested by BofA ), learning an intermediary fund management could receive my dollars into their USD account and then transfer my money at a significantly lesser rate to my XXXX  bank. BofA did suggest they could send me a USD check by snail mail to my XXXX address. Offering a registered more secure mailing was not an option. 

I then sent an email ( also attached ) suggesting two solutions. Which solution I chose would be based on BofA replies and the best exchange rate for me.No reply until several days later asking how they could help. I pointed out I wrote them my suggestions. I was told she could not confirm I was exempt from a transfer fee of dollars to another dollar account. Since that was the reason I chose BofA, I contined to prod and she then " did some research '' and agreed my preferred status waved any charges. We confirmed the call was being recorded and thus there was documentation I would incur no fees. She reconfirmed their policy when mailing a check was regular mail only, thus no recourse if the check were lost or never arrived. She also advised me that funds in excess of XXXX required a notarized request. " You never told me that on our previous phone call '', I said. " well, I am telling you now '' was her reply. She further suggested that I try to transfer with my XXXX XXXX and if there were a problem to call them and they would help. It was then I completely " lost it ''. " that's where I am now, why are you sending me back to starting all over so I can get your " help ''. 

You may publish this to alert people BofA is not designed for those who live full time abroad. Their advertising is duplicitous. I have no confidence in their ethics and now wonder if I've been a victim of their 'junk fees '' and other wrongdoings ... ..I 'll never know because I won't pursue this possibility I do not expect you to resolve my problem or change their comportment, but merely to document their robotized behavior and the hopelessness of dealing with them. Or as one customer service rep told me '' Your problem is beyond my expertise, but it was lovely speaking with you today and thank you for being a valued customer ''
Product: Debt collection

XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.
Product: Mortgage

In XX/XX/XXXX, I entered into a sales contract to purchase a home in XXXX, CA with my VA entitlement. The sales price was {$390000.00}. During the process, I was told that the seller had some liens and in order for him to pay them, we had to lower the sales price to {$350000.00} and then the seller would carry a second mortgage in the amount of {$40000.00}. I am a first-time homebuyer and didn't understand what was going on and put complete trust in my realtor and mortgage lender. I followed their direction. The transaction closed in XX/XX/XXXX and that is when I realized that I also had to make payment on the XXXX mortgage. The combination of both mortgages was more than I could afford. 
I subsequently contacted a HUD approved housing agency. They are helping me with this complain process. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HUD # XXXX ) and he is writing this complain for me. 
It appears that the mortgage lender ( American Pacific Mortgage ) was unaware of the XXXX mortgage as it was not recorded until later. I believe that the real estate agent ( XXXX XXXX - XXXXXXXX XXXX  XXXX, CA XXXX XXXX ) and the loan XXXX ( XXXX XXXX, XXXX XXXX ) knew that XXXX didn't qualify for the VA loan based upon the purchase price of {$350000.00}. By creating the second, XXXX now did qualify for the VA loan based upon a purchase price of {$350000.00}. The underwriter was not made aware of the XXXX mortgage payment. XXXX and XXXX are husband and wife.
Product: Prepaid card

Bank of America issued an unemployment debit card to me during XXXX with no security or protection added to the card. Therefore I was a victim of fraud. This was noticed by me in XXXX and shared with the bank. They denied responsibility! Because the bank did XXXX about this problem the fraud continued. I began to reach out to the various companies, stores etc and was able to get more than half of my funds back while the bank kept denying the claims. XXXX my computer was hacked, bank accounts were entered, emails were sent by the hacker posing as me. A police report was filed, an FTC report filed and a XXXX filed all paperwork sent to Bank of America in XXXX. It took the bank until XXXX of XXXX to reach out to me and once again deny claims that were filed with them and the police. Bank of America had plenty of opportunities to retrieve from various places of business video and photos which they failed to retrieve.In XXXX my police report the FTC affidavit and the XXXX is nowhere to be found in Bank of Americas files. But what was found and sent to me via the bank was a long list of double and triple transactions that have yet to be explained to me and magically have been changed in the banks system just two days after the email was sent to me showing this issue. New claims for old transactions were opened by the bank in XXXX without my knowledge or my permission. The bank did this on their own. Upon being sent a box of paperwork by the bank it was clear my account had been cleaned up by someone inside the bank! My original fraudulent claim amount was a on or around XXXX I have gotten back all but XXXX. The bank does not show the credit for this nor do they have the correct calculations. Something that nobody can explain to me. I did my du diligence and filed a claim when there was fraud the bank could careless and continued to deny and or ignore my pleas for help! They cant explain and or just refuse to tell me how the double and triple transactions per restaurant, store have happened instead they cleaned it up! 
I am owed XXXX for fraud and the bank refuses to pay even though their policy states differently. It also appears anyone having anything to do with this at the start and moving through XXXX are no longer an employee of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Disputed Same collection Account/ Amount from creditor with a diffrent collection agency ( XXXX ) already.

All major credit bureaus removed derogatory mark from my credit report a year ago.

Now new collection agency attempt to collect asking to settle and harassing me.

Why is it possible for the creditor to continuously send my information to other collection agency if account has been previously disputed/closed and they have full acknowledgement of that?? Who is responsible and how is this fair to the consumer ( me )??
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.
Product: Payday loan, title loan, or personal loan

American First Finance continued to charge me for items that I did not receive. When I asked them to update the contract, I was told that they weren't able to do so, but that my balance should reflect the correct amount. Months passed and they continued to withdraw money out of my bank account without the balance changing. When I called to speak with customer service, I was advised that they could not speak with me unless I provided my full social security number since they couldn't validate my address. In addition to this being against my consumer rights, they advised that my address had been changed by someone inside of the store when I had not stepped foot a store. When I continued to ask them who changed it and what store they changed it at, I was told that they couldn't tell me because I couldn't validate the account and would not speak with me about the account unless I provided my full XXXX social security number. The only purchase from them was XXXX queen sized mattress sets. The contract that they continued to honor shows a dining room set that was never delivered and should have been taken off of my contract. They never did. I was severely overcharged for the items purchased from them. I haven't been successful in speaking with them due to my refusal to provide a XXXX social security number ( again, a violation of my rights ). They have now begun reporting false information on my credit profile. This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I missed a few payments on my truck 4 exactly, 3 consecutively missed payments, and 1 other missed payment shortly after. I was supporting my entire family through COVID 19, and had to take on more financial responsibilities. I tried to contact GM Financial multiple times about seeing if they can please wave/remove the missed payments off of my Credit Report. They were never able to give any helpful guidance on how to go about removing these missed payments and I was told twice they could not do anything. To contact the credit bureaus directly. I am XXXX XXXX XXXX and it is very important to me to have a clean credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE pirposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section thatjustifies their presence on my report : XXXX XXXX, XXXX.