23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

UWM has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at UWM, as well as my response to his note, which confirms the mistakes that UWM made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, UWM completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Product: Debt collection

According to FCRA section 605B it issued illegal to report anything to my credit report without my permission.
Product: Credit reporting

I have a credit monitoring service with each credit service, XXXX and XXXX are using the vantage score XXXX with a XXXX score range same as Transunion. But XXXX & XXXX both have my score in the high XXXX but Transunion has my score at XXXX. I tried to get an explanation from several people from TU but only answer I could get from them including supervisors, was that it must be something on my report and they have a different rating system. The last supervisor I talked with could not explain and then began to argue with me. So I canceled my monitoring service with them because since late XXXX until current date my score with them has either stayed the same or gone down a few points when everyone else has gone up XXXX - XXXX points since I have 100 % on time payments and XXXX ballance on most of my credit cards. No late payments, only use less than 18 % of my credit at any given time and have had credit for over 15 years. Transunion could not give me any reason for their score going down or staying at the low #. The man I talked with said that the score had changed and since my membership just ended 2 days ago, I would have to pay {$9.00} for them to mail it to me. They could not tell me if it had gone up or down. I feel they are not doing their job and reporting correct information and everyone I had talked with was very rude with no people skills at all. I know that they are partnered with Creditwise which is XXXX XXXX and they are reporting my info wrong. I would like an investigation to their service. I also know that they want to charge {$39.00} for an all XXXX brueau report and the others only charge {$29.00} when you are a member. I am attaching a copy of my XXXX and I have a hard copy of my Transuinion if needed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Equifax to reinvestigate these accounts XXXX XXXX  acct number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The FCRA
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Student loan

My wife and I are the holders of an FFEL Joint Spousal Consolidation loan which was originated in 2006. When we signed the master promissory note for this loan, which, as far as we know, is still the contract for which this loan, it clearly states that if both parties are eligible for forgiveness, the loan will be forgiven. Both myself and my wife are public servants, our employment has been verified as such, and we reached our XXXX required payment for forgiveness under PSLF several years ago. We have been repeatedly denied PSLF with the rationale that joint spousal consolidation loans are no longer given, and can not be separated to be consolidated into a Direct Loan. As you can see in the attachments below, our master promissory addresses this fact, and states that these loans CAN be converted to Direct, and that if both parties are eligible, the loan can be forgiven. The only response we have received regarding this is that the " law '' does not allow joint spousal consolidation loans to be separated. We are NOT looking to separate our loans, we are looking for the forgiveness we are entitled to, both as public servants. Nowhere in our MPN does it state that we are ineligible. If I am being held to this MPN to continue paying these loans, then our loan holder and servicer should be held to the clause that states " if both parties are eligible, than the loan will be forgiven ''. I would like to see the specific law or language that prevents our loan from being evaluated for forgiveness.
Product: Credit reporting or other personal consumer reports

Shortly after account opened within days of card delivery charges appeared i asked and disputed. They set card down and claimed sending new. This went on for 6 months now. Paid account to XXXX  and repeatedly asked where card is. Never showed. To this day. Requested either get card to me or close account. Neither happened then charged monthly/yearly fees which i called about. Refused to remove. Then charge interest and reported late payments for refusal. Still haven't recieved card. Made multiple calls to attempt to resolve or close account. Service results in nothing happening
Product: Credit reporting or other personal consumer reports

This Credit Reporting agency continues to report misinformation. The company failed to properly investigate and someone has access to personal information making fraudulent accounts.
Product: Credit card

First things first. My credit score is above XXXX and has been for many years. 
I unfroze my credit reports on XXXX XXXX. Applied for Sam 's Club MasterCard on XX/XX/XXXX. Bank checked credit same day. 
Received letter dated XX/XX/XXXX several days later, advising that I need to call them to verify my identity. I did that on XX/XX/XXXX. They asked a few questions and I was told that I would be receiving a letter in the mail within 10 days advising status of the application. Letter never received.. 
XX/XX/XXXX sent an e-mail to Sam 's Club advising I had not received a reply from the bank. 
XX/XX/XXXX Received a call from Sam 's Club and explained the problem. They connected me directly to a representative of Synchrony Bank. Could not get any satisfaction from the rep, and I asked to speak with a supervisor, which I did. My concern is why is it taking so long to get a credit card, when other banks promise instant approval. After arguing with this supervisor, she finally told me that the card application was denied. Pressing for a reason, she said they could not verify my identity. Kind of ridiculous, because I called them. If they weren't able to verify my identity, that surely wasn't my fault. Obviously, they didn't ask the right questions. I was told I would be getting a letter in the mail That was almost a month ago. Still no formal written denial of my application. 
The supervisor then went on to tell me to apply again. That is absurd. 
First off, the inquiry to my credit report was the first one since XXXX. I refuse to re-apply because they were given enough information in the first place. Secondly, l will not unlock my credit reports as I do not want an unnecessary inquiry on there. I am a former XXXX XXXX and I am very familiar with how this stuff works. 
The Sam 's Club Master Card has many benefits, and the store pushes it almost with every purchase. I don't think Synchrony Bank is doing themselves or Sam 's Club any favors if how I was treated is par for the course. Why does it take such a long time to get any response from the bank? That is one of my complaints. Being denied for them being unable to verify my identity is not my fault.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information FTC Report Number : XXXX First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX Personal Statement I did not authorize these inquiries to be pulled from my credit report and i want them to be remove 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 Accounts Affected by the Crime Fraudulent Charges to My Credit Card Company or Organization : Date XXXX XXXX XXXX XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company or Organization XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting that I am late on child support every month. That is not true. My child support is drafted out of my check every month. I have disputed this error with Trans Union, but they are still reporting it on my credit. I contacted the Attorney Generals office and they confirmed that I am not late on any child support
Product: Vehicle loan or lease

Loss of full time employment due to COVID19 from XX/XX/2020 - XX/XX/2020. 
Contacted customer service on 4 occassions to agree on a settlement to satisy and close account. Documents were to be sent to me to be signed. Never received and account was sold with negative points applied to credit report. 
All payments for all accounts were on time or early over 3 year timeframe prior to pandemic.
Product: Debt collection

This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

Midland credit management said I owe {$15000.00} to an old ( XXXX XXXX XXXX? Does not say what type loan. From original creditor, XXXX? I have never had a load from XXXX nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX Current Employer : XXXX  XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add American Honda Financial as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my rights as a consumer.
Product: Debt collection

I went to XXXX XXXX in XXXX. My debit card was ON FILE! They got paid! 

Fast forward to XXXX and theyve put a collection on my credit report for the hotel I was staying at ( XXXX XXXX XXXX  ) Which is RIDICULOUS! If I hadnt paid I would have been in collections years before now. How they picked me to lie and say I owe them is beyond me. Ive contacted the collections agency numerous times and they still havent removed it! My account was charged back in XXXX! I do NOT owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX AXXXX XXXX {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/2019 ), tried to withdraw XXXX XXXX from the ATM at TD Bank ( XXXX, NJ ) at XXXX. The ATM broke down while dispensing the cash. When contacted TD Bank, the representative said that TD bank was not responsible and keeps no record of transactions that happen at the ATM because they are only a middleman. If anything, the withdrawer would have to have the card issuer ( in this case, XXXX XXXX XXXX ), file a complaint against TD Bank. However, from XXXX XXXX XXXX XXXX perspective, the cash has already been withdrawn. The two banks are blaming each other and in the meanwhile, this sum of money has evaporated. I believe TD Bank owes me this sum and should be held responsible.
Product: Mortgage

I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charge mw for months of rent after my lease was up upon contacting the office they said their corporate office handle this and it was a automotive portal that charged me and it was nothing XXXX XXXX can do about it that I would have to contact their corporate office. I did and nothing happened so this was sent to a collection agent. this is a fraudent charge.