23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX, Social Security Number XXXX I started my mortgage with Shellpoint Mortgage Services XXXX XX/XX/2020. My Mortgage number is XXXX and is for an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid my mortgage on time during all these months, however, I'm having problems with the extra principal payments On XXXX XXXX, I did a Principal payment of {$41000.00}, then on XXXX XXXX another one for {$6800.00}, on XXXX XXXX another one for {$1800.00} and on XXXX XXXX the final one for {$1700.00} In total, I have paid {$52000.00} to the principal. 

However, these payments have been taken out from the system and never applied back, some of them have been applied to interests and others to cover new months payments ( so not all the money is applied to the principal ) All these problems are happening because Shellpoint online software takes the money and starts moving it in and out. In the end, the numbers are not correct. 

I'm having a lot of phone calls and emails trying to solve this issue, however, shell point is denying the help and also not replying to most of them. 

More than one year later, I'm still having the same problem with no solution. 

I'm attaching the following documents as a support * An XXXX chart with the payments done and the correct principal balance I should have today ( {$170.00} ) *A pdf from the Shellpoint software showing how they took my payments out and start moving them without applying again to my principal * An email from them when they confirmed their mistakes and applied some of my payments back, but then their software make mistakes again I have much more emails that I sent them without getting any response from them back if you need them
Product: Checking or savings account

I am filing this complaint as a continuation of my previous one. When I initially filed my complaint, I received a response from a representative stating that I would need to visit a bank branch to resolve my issue. The representative also misrepresented information in their response by claiming that identification information was not provided, even though I had submitted my identification with my initial complaint. I am resubmitting it this time as well. I am more than happy to provide my identification via email or mail.

When I visited the bank branch, the manager was baffled by my request and had no idea what I was referring to or how to address the matter. He advised me to contact corporate, which is the entity the representative who responded to me actually represents.

It was not easy for me to visit the bank branch because I have a disability, and the experience was humiliating, to say the least.

The bank is fully capable of refunding the amount by mailing a check, as XXXX XXXX, who initially issued the check, has done before.

initial compliant number ( XXXX ) : I opened my Wells Fargo account in XX/XX/XXXX, shortly after legally changing my name from XXXX XXXX to XXXX XXXX XXXX . At that time, I had five checks issued to me by XXXX XXXX in my former name. I decided to deposit one of these checks into my new account. I deposited the check in early XXXX ( Reference # XXXX ). However, on XX/XX/XXXX, I received a notice stating that my account was closed. The letter explained, A deposit was made to your account on XX/XX/XXXX. During our review, we determined that you are not entitled to these funds. If there is a remaining balance, we will mail you a check. I repeatedly attempted to resolve this by contacting Wells Fargo. Each time I called, I was transferred between departments without any resolution. After weeks of this, one representative even suggested I visit a branch in person for assistance, but unfortunately, that also led nowhere. In the meantime, I contacted XXXX XXXX and successfully had the checks reissued in my new name. However, XXXX XXXX confirmed they couldnt assist with one of the five checks because it had already been cashed by Wells Fargo. A year has now passed, and I have yet to receive the funds. I have documentation supporting my claims, including emails with XXXX XXXX, Wells Fargo statements, letters regarding the account closure, the old checks in my former name, stubs of the new checks in my current name ( except the one cashed by Wells Fargo ), and my name change decree.
Product: Credit reporting

Equifax has been reporting mortgage loans from XXXX and XXXX with XXXX digits that are not mine. These loans were unilaterally created by XXXX and XXXX in XXXX 2011 thru XXXX 2011 and reported these loans as new loans applied for by me. they reported these loans the same way to XXXX and XXXX. none of these mortgage loans are mine and I never applied for them and never settled on them. they are new orginated loans unilaterally by XXXX with illegal account numbers that are not compliant with federal reserve regulations or XXXX practice in the banking industry. the only time that consumer protection laws and XXXX regulations allow for XXXX digits to be used for mortgage loans is for internal reporting and computer data storage only. not only is Equifax violating the FCRA but also colluding with XXXX bank and XXXX allegedly to report false mortgage loans while these loans have never been settled and have no loan docs for them attached is my attorneys second letter to Equifax that is stonewalling me on this issue. in addition the report shows that Equifax is making hard inquiries on my credit from their mortgage services company which I never applied to for anything which lowers my credit score significantly besides the false information about mortgage loans and reporting that I applied for these loans which I did not. Equifax is also in violation of their agreement with XXXX partner New York State Attorney General 's settlement agreement with Equifax that they will not continue to maintain false information on anyone 's credit file XXXX they continue to do this without impunity or enforcement or fines from any financial regulator or the federal trade commission.
Product: Checking or savings account

On XX/XX/19, I received a mailing from company advertising {$500.00} new account bonus for meeting certain conditions after opening a new checking and savings account. After having met all the offer terms, new account bonus was not paid despite all terms being met. After inquiry with financial institution, claims were made that a prior account was held and that the {$500.00} promotional offer was only available to new clients. However, the prior account was opened erroneously ( in error ) and TD Bank made it nearly impossible to close that account ( it was only after complaint to XXXX that the account was closed ). Furthermore, I received a direct, targeted mailing ( attached in photos ) constituting my eligibility for this offer. If it was said that I was ineligible, why was this offer sent to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with The XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from The XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was XXXX in bankruptcy which is also inaccurate.
Product: Debt collection

Enova is the parent company of XXXX XXXX. Enova has allowed XXXX to run a rogue operation to destroy small businesses and owners by piercing the corporate veil to harass business owners and release private information to other financial institutions in an attempt keep company bound to their predatory loans. The company showed patterns of racism by attacking me as a XXXX business owners despite having paid 100 % previous loan. 
We have been a faithful and on time paying customer for over two years. We wanted to leverage our relationship with XXXX by moving our payments from Weekly to Monthly based on our great payment history. Our vendor started paying us at XXXX days in XXXX so we wanted to move to monthly. We communicated that this remaining amount would be paid off by the end of XXXX or XXXX based on a lump sum payment that we are due to receive by the end of XXXX. I had spoken with XXXXSupervisor so she told me that this would not hurt my credit and breach the agreement if we changed from weekly to monthly payments. XXXX suggested that we reduced the payments temporarily so that would not impact our credit history and additional funding for our upcoming contract. We agreed to this amount which was only reduced by XXXX. I have spoken to my bank today so the banker communicated to me that XXXX told them that my account was late for one reduced payment last week. This company operated in bad faith since no one including XXXX or any other representative state that this would be late or report badly on my account. Nor does the email attached communicates this. This was not any savings to my account. We believe this was tortious interference since the bank was going to pay this off which would reduce the amount of revenue that this company could gouge from me based on interest and payments. This company has no integrity or morals. XXXX was not honest today with her statements that I was told this account would be late. I was told today by another rep that my account was current. That is not true. They gave slanderous information. I have asked that my account be shut down immediately due to breach of trust and fiduciary duty as a financial institution. I have the emails and my record of payments attached. Also, this was a violations of privacy. This company has since retaliated by threatening to sue my company. This company has placed derogatory information on my personal credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

UPGRADE INC., personal loan and XXXX  by my mortgage company, refinanced my house and loan has been paid since beginning of XXXX but still showing open on my credit. They even owed me a refund for overpayment. Yes I've received it but it shouldn't take this long to pay off on my credit.
Product: Credit reporting or other personal consumer reports

Good Evening My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim here, and I can not get proper assistance or responses from the credit reporting agencies. If no action is taken, I will pursue legal action. 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Opened account on XX/XX/24 and purchased XXXX dollars of shares. Less than one hour later over XXXX XXXX of my accounts of my shares were transferred fraudulently to an unknown account.I contacted COINBASE customer service requesting immediate assistance. Was on chat with them for 4 hours. They gave me XXXX resolution as my share prices dropped. They froze my account and would not allow me access to it in order to close it myself. Then an additional XXXX was charge to my bank account. They will not close my account as requested. They forced me to change my password 4 times just to take my complaint. I was told the issue was escalated and that I would be contacted within 24 hours with resolution and status of funds stolen. I contacted them again today and requested that they close my account and issue a refund of the XXXX. I was told that it could not be done until I was contacted by the department it was escalated to. Thes allowed my personal data to be breached and funds to be stolen from me and refuse to close the account. They have removed my access to the Account so that I can sell my shares and close th account personally. In the meantime my share values continue to fluctuate and lose value. This can only be done if I have access to the Account which they refuse do do unless I send a selfie in addition to picture of my DL front and back which I have done over 4 times already..
Product: Mortgage

I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}.
Product: Credit card or prepaid card

On XXXX XXXXXX/XX/2023, I was applying for Wells Fargo credit card based on an offer I was sent in the mail. As I was speaking to the agent and providing my personal data for the application, I remembered I had frozen access to my credit with the XXXX credit reporting agencies. I asked agent hold while I unfroze my credit inquiry access with the reporting agencies. She agreed to hold while I unfroze the access. I was able to do this online while she was on the phone line. She checked my credit with XXXX and when she returned to the call, she said that Wells Fargo needed to get back to me is decision in the mail within XXXX business days. By the afternoon, I received an email that I was denied. My credit score before this request for credit was over XXXX and Im normally granted credit. Now understand that the first attempt to check my credit file, they said access was blocked whereas I had emails that my credit was unfrozen. Now, Ive been denied credit and have an inquiry on my credit file with a lower credit score, to boot. My belief is that my credit request was improperly accessed and evaluated. The offer sent by Wells Fargo had favorably XXXX XXXX terms for a transfer which is the reason I even made the application. I feel I was unfairly treated and desire proper consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX 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

Experian does not and have refused to follow the law. I am a victim of identity theft I have had a fraudulent auto loan reporting on my Experian credit report for over 3 years. The auto loan was opened in XXXXXXXX XXXX. Someone took my XXXX Drivers license at the time went to XXXX and purchased a vehicle in my name and social. 

I've sent several letters to Experian and XXXX asking them to block this account according to FCRA section 605, They initially blocked it, only to re- inserted it a few weeks later. without giving a reason why it was placed back on my file. Every other letter since then has been ignored and no response has been given. Ive sent police reports, everything, they refuse to cooperate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many Hard Inquiries in my Credit Report that I don't recognize
Product: Debt collection

LVNV FUNDING - XXXX has violated several of my consumer rights. 
In accordance and pursuant to the Federal Credit Reporting Act ....

15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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.

I did not receive a letter of right to dispute. I have disputed LVNV Collection Services with all 3 Credit Agencies on several attempts ( XX/XX/2022, XX/XX/2022 ) and they have not only removed the errors but recently the dispute came back verified. I know that the verification is frivolous due to the time it took to verify knowing that they did not speak to a live person. Please see to it that they comply to the full extent of the law as their noncompliance has devastated our family 's financial stature and defamed our character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to settle this matter with experian about unauthorized inquiries on my consumer report i sent them a letter explaining the problem trying to get experian to resolve the issue but they never did. On XX/XX/2020 i sent out another letter certified about the unauthorized inquiries on my consumer report and i still have not got a response. I requested there method of verification about these inquires and i never received anything from experian i will send a copy of the certified letter that i sent to experian on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called a third party company that the collection was paid to and asked that they report the account as paid to the credit bureau. They said they do not deal with credit reports and the account was no longer in their hands and I had to contact the credit bureau 's to correct the status. The comment on my credit report shows as paid but still reflects as a collection account. I am looking to get this to reflect correctly as paid. 

Convergent {$170.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX BANK AND XXXX BANK never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports