23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed discrepancies and Inaccurate information on a charge off account with XXXX. XXXX  stated it was verified but the inaccuracies and discrepancies still on my XXXX  and Equifax. XXXX  shows : Acct # XXXX Opened XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My Equifax shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.
Product: Mortgage

Dear Federal Consumer Financial Protection Bureau, I hereby submit a formal complaint against Shellpoint Mortgage Servicing ( SMS ), headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, NY, alleging unauthorized and unwarranted charges, specifically pertaining to Private Mortgage Insurance ( PMI ), and coercive practices regarding escrow accounts. This complaint is lodged with the utmost urgency to the Federal Consumer Financial Protection Bureau ( CFPB ) for investigation and remedial action. 

Background and Grievance : Unauthorized PMI Charges : Since XX/XX/XXXX, SMS has unilaterally increased my monthly mortgage payment by {$260.00}, attributing this augmentation to PMI costs. This imposition has been effected without my consent or prior notification, contravening established financial practices and agreements. Notably, this charge is unjustified as I made a down payment exceeding 20 % of the property 's value at the time of purchase in XX/XX/XXXX. The imposition of PMI under these circumstances not only lacks legal basis but also imposes undue financial hardship, exacerbating my financial obligations amidst timely mortgage payments. 

Escrow Account Coercion : Furthermore, XXXX  has mandated the payment of property taxes and homeowner 's insurance through an escrow account managed by them, thereby circumventing my right to settle these payments directly with the respective municipal and insurance entities. This directive not only restricts my financial autonomy but also subjects me to additional fees, which SMS imposes, presumably under the guise of administrative charges. Such practices are not only predatory but significantly inflate my financial burdens without offering commensurate benefits or justifications. 

Request for Action : Given the above, I respectfully request the Federal Consumer Financial Protection Bureau to : Initiate a comprehensive investigation into the practices of Shellpoint Mortgage Servicing, especially concerning the unauthorized imposition of PMI charges and coercive escrow account policies. 
Compel SMS to provide a detailed justification for the imposition of said charges and practices, including the legal basis for such actions. 
Direct SMS to refund any unwarranted charges levied on my account, specifically the excess PMI payments collected since XX/XX/XXXX. 
Implement stringent regulatory measures to prevent recurrence of such unauthorized practices by SMS or similar entities, safeguarding consumer financial interests. 
I trust that the CFPB will take immediate and decisive action in this matter, ensuring adherence to legal standards and the protection of consumer rights. I am prepared to provide any further information or documentation as required. 

Sincerely, XXXX XXXX XXXX Account Information with XXXX : XXXX
Product: Debt collection

Original creditor : XXXX XXXX XXXX, amount {$800.00}. This company has been attempting to collect on a debt that is not mine. They have sold my information to two Debt collectors within one year and because of this illegal acts, they are damaging my credit report! The new company that is now damaging my credit report with all XXXX bureaus is : Phoenix Financial Servic, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Debt amount {$800.00}. 
This company in business with XXXX XXXX XXXX is ILLEGALLY trading my information on a debt that is not mine!! And as a result of there illegal acts are destroying my credit report with XXXX, XXXX, and XXXX. Because of these predatory, illegal acts I am unable to be approved for anything due to the damage they are causing to my report. I want this deleted immediately and indefinitely from my report with all 3 bureaus, XXXX, XXXX, and XXXX
Product: Checking or savings account

I had given my brother {$2100.00} on XX/XX/XXXX and on XX/XX/XXXX they sent him a letter saying to contact the other party however the other party is me and I never received the money. I have noticed that they never had a disclaimer warning users about the money they will be sending and I want my money back. As you can tell from the enrollment in Zelle I was un- enrolled and when I tried putting in my information a different persons information automatically popped up assuming they enrolled using my number and intercepted my transaction
Product: Debt collection

I DO NOT OWE THIS COMPANY. PLEASE REMOVE FROM ALL CREDIT REPORTING BUREAUS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Personal Information Mistaken Identity Dear Credit Bureaus I am writing under the protections provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute inaccurate personal information on my credit report. After reviewing my credit report, I have found personal information that is incorrect and does not belong to me. 

The inaccurate personal information includes : XXXX XXXX XXXX XXXX XXXX XXXX .Henryca Oponot This information is the result of mistaken identity and does not pertain to me. Under the FCRA 1681c, only accurate and up-to-date personal information should be included in consumer reports. As such, I am requesting the immediate removal of these inaccuracies. 

Please provide written confirmation that these items have been removed or corrected within 30 days, as required by 15 U.S.C. 1681i. If you need any additional information from me to facilitate this process, please notify me in writing at the address provided above. 

I appreciate your prompt attention to this matter. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I reached out to the company regarding the removal of the incorrect information and was denied. In addition, the credit scores for XXXX and Equifax are normally at least XXXX points lower than XXXX and the actual FICO scores that are used by the financial institutions that are providing the consumer credit transactions. I'm not sure why one would have to ask multiple times to have inaccurate information removed from their credit report and have it not be done. I have attached a list of the discrepancies from each reporting agency and hope that this can be resolved and corrected quickly as it is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Product: Debt collection

On 2 previous occasions I have reported this company, Caine & Weiner for trying to collect a debt that they have never provided accurate paperwork, ie. original documents with payment history. 

The last response this company sent to myself and CFBP was that they would be sending an accounting of all payments to me and providing this info directly to CFPB, which they have not done. ( see companies response to CFPB complaint XXXX from XX/XX/2020 ) I have not received any documentation other than another bill from them. They have not provided me with any original signed documents nor have they provided me with an accounting of any payments made. 

Also, according to the response Caine & Weiner provided on XX/XX/2020 one account had already been removed from my credit report ... which is not true as it still remains on all three of my credit reports.
Product: Debt collection

I took out a payday loan in XXXX thru XXXX XXXX XXXX. The only payday loan I've ever taken out. I defaulted and in XXXX I was contacted in XXXX by a collection agency to settle the debt. Which I did and have a paid in full letter. Then the following month I was contacted again by a separate agency telling me I paid the wrong people. So again I settled the debt and received a separate paid in full letter which I still have. Now 7 years later another company has reported the same debt on my credit file and placed it for collection. I will not pay the same debt again. I want this collection removed from my credit file.
Product: Debt collection

On XX/XX/2018, I was notified by XXXX  that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. 

On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX  and all other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.
Product: Vehicle loan or lease

In XX/XX/XXXX, Audi announced that they are deferring auto loans for 3 months for COVID relief. I contacted Audi to request the 3-month deferment. I spoke to Customer Service Rep, XXXX XXXX, on XX/XX/XXXX and requested the COVID relief deferment. 

It was granted. 

This month, XX/XX/XXXX, XXXX rescibded on theyre official agreement to me and others and changed the terms of the deferred agreement. Audi is saying that they promised me a deferment for 1 month which is not true. They granted me 3 months COVID deferment along with many others. This is an outrage and the most inhuman thing a financial company can do to a citizen of the United States. This is fraud and Audi Financial Services should be fined heavenly. 

To prove it. I complained to Audis Customer Service rep, XXXX ID # XXXX, on XX/XX/XXXX. Then Audi sends me the attracted letter dated XX/XX/XXXX that they are only giving me a deferment for 1 month. Because Audi knows what they did is illegal, they suddenly generated a letter after I complained to protect themselves. This should be reported to the FCC for unfair business practices. ( PLEASE SEE ATTACHMENTS ) Audi granted approval of my Car loan payments and deferred it for 3 months to XX/XX/XXXX, due to COVID relief however now theyre saying now I owe them now and theyre changing their minds. This is an so unfair, immoral and illegal. That is why I am reporting this to you Consumer protection bureau so you can hold them accountable for fraud and trying to swindle customers because Audi financial is singling me out and trying to take back the deferment that they granted me. This is unfair. You cant pick and choose certain people to defer for 3 months and than treat me different and take back my deferment. Id like someone from the CFPB to call me in regards to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

I am in the process of refinancing my mortgage with Wells Fargo, the current holder of my existing mortgage. On XX/XX/2020, I was asked to sign a release for multiple years of my tax returns. I was also asked to sign a form titled, " Borrower Consent to the Use of Tax Return Information. '' I reviewed the form with my attorney, who recommended I cross out the lines allowing use of my tax return information for purposes of " marketing '' and " as otherwise permitted by applicable laws, '' leaving in the sections on " providing an offer '' and " originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan. '' On XX/XX/2020, I was asked via the online system to resign the form without the crossed out sections. On XX/XX/2020, I was told by the Wells Fargo agent I am required by federal law to sign this form, including allowing Wells Fargo to use my tax information for marketing purposes. Is this a true statement? Why would I be expected to agree to use of such personal information for marketing and unspecified purposes?
Product: Student loan

I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.
Product: Credit card

My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and during the COVID period I have called my mortgage bank ( Wells Fargo ) For Forebarence plan and I got approved by them by phone to defer my mortgage payments at a later date, but after a month and a half I received a notice to take care of a past due mortgage payment which got me way surprised that I already had requested for the forbearance plan and called the bank to find out what happend and they had nothing in their record showing that the plan was established and they have already reported a late payment to the credit Bureaus without even any communications and any notices and I tried to explain them exactly of what happend and the fact that it wasnt my fault and in the history of my payments for 8 yrs I didnt have even 1 single late payment but they refused to help me. What they did to my report was very unethical and irresponsible. 
I dont even know that during the COVID, would they be allowed to report u for a late payment or not. In general I feel very very disappointed that the bank doesnt want to take any responsibility for their mistake not performing their job right and considering the whole situation as a good faith ground to delet the late payment from my report. Im really so sad because Im also trying to do a refinancing on my home and this one report is a big obstacle on my way of doing so. 
I really would like to ask for ur help to resolve this issue ASAP pls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while on XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. There are several items of fraudulent accounts that are being reported on my Experian file. Please see the attached ftc reports. I need the items on the report removed immediately.
Product: Debt collection

In XX/XX/year> I viewed my credit report and noticed a fraudulent collection account on my credit report from XXXX XXXX. I did not authorize this account nor have any knowledge of this account. This was updated and furnished on my Experian report without my knowledge or permission. Under 15 U.S. Code 6802 financial institutions are required to protect my personal information and under 15 U.S. Code 6803 they must inform me of their policies to safeguard my data. These protections were not adhered to allowing a fraudulent account to be reported due to my information being stolen. According to 15 U.S. Code 1681c ( 2 ) I have the right to block accounts relating to identity theft from my credit report within XXXX  days of my complaint being received. My creditworthiness is being harmed due to this case of identity theft and my report has been damaged as well causing me financial hardship and hindering me from obtaining new extensions of credit.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing you to dispute the late remark on my credit report associated with my account. I believe this late payment is inaccurate and does not reflect my actual payment history in regard to this account. Under 12CFR 1026.13 which governs the accuracy of consumer credit reports, am requesting that this late payment history remark be blocked and deleted from my credit report.