23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

For many years, I tried to resolve a mortgage loan with Shellpoint ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXXmonth. That was unaffordable and stupid, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XXXX. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?
Product: Credit reporting or other personal consumer reports

I disputed all the inaccurate accounts on all three consumer reports. XXXX was the only company to respond and delete the accounts. The other two companies are still reporting the fraudulent information. These other two companies also have not responded via mail with my full file discloser which violated the law. Below are attachments with proof of deletions and time stamps.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX / XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Product: Debt collection

I recived a traffic ticket in XXXX of XXXX. It went to the collection agency and was paid when it went to collections. They said a letter was sent On XX/XX/XXXX, and then another letter on XX/XX/XXXX. The way I found out about this was a letter sent to my house XX/XX/XXXX that says " Second Notice - Action Required '' When I asked to speak to a supervisor they sent me to voicemail. After I asked for a copy of terms and conditions they " found '' another account I had failed to pay which is untrue. I believe they are trying to steal from me, thank you.
Product: Debt collection

Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as Red Cedar Associates. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with Red Cedar Assoc certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions EXPERIAN ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint to report unauthorized activity on my credit report due to identity theft. There are multiple accounts and debts listed on my report that I did not open or authorize. Below are the specific details : 1. Account with Barclays Bank Delaware Date Opened : XX/XX/XXXX This account was opened when I was underage and did not have access to my credit. I did not authorize or open this account. 

2. Debt with XXXX XXXX XXXX Date Reported : XX/XX/XXXX This is a debt I have no connection to. I reported this issue to the police, but they informed me they were unable to assist further. 

3. Unauthorized Addresses on My Credit Report XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX These addresses are not associated with me, and I have never lived at or used these addresses for any purpose. Also, 8 names on my credit report. My name is XXXX XXXX XXXX. XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Also, phone numbers that are not mine. ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular I have taken steps to address this issue, including filing a police report and contacting the credit bureaus, but the unauthorized accounts and debts remain on my credit report. This has caused significant harm to my credit score and personal financial situation.

I am requesting CFPBs assistance in : 1. Ensuring that the unauthorized accounts, debts, and addresses are removed from my credit report.

2. Restoring my credit score to its correct standing.

3. Preventing further misuse of my identity by working with the affected institutions.

I am willing to provide any additional information or documentation necessary to assist with the resolution of this matter. I sincerely appreciate your time and attention to my case.

Thank you for your help.
Product: Mortgage

What is this complaint about? Last year I paid fees associated with reinstating my mortgages after a short bout of unemployment. I bought my mortgage up to date paid all past due fees, attorney fees and foreclosure associated fees. 

What type of problem are you having? Wells Fargo is now advising me that we owe additional monies ( unpaid corporate balance ) of {$880.00} stating that we did not satisfy all the attorney fees when we reinstated our mortgage. They recently sent me a letter stating my mortgage was in default as a result of these unpaid fees. While my mortgage is currently up to date and not due until XXXX. 

What happened? I emailed and called. Some one by the name of XXXX XXXX in the executive suite called and shared with me that he would investigate my claims and reply in 15 days. He replied today via phone only to state that the claims are valid. He stated that he attorneys company sent them an invoice after the fact and that I am responsible for those fees. I vehemently deny those claims and feel that this is another attempt by Wells Fargo to defraud me and obtain additional monies in an unethical manner. These additional and excessive fees are a violation of RESPA What company is this complaint about? Wells Fargo Who are the people involved? My family, and Wells Fargo ( particularly the recovery department )
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a following message from Chase ( my  bank ) : " Chase QuickPay Team XXXX To : XXXX XX/XX/2019 at XXXX XXXX  You received a payment XXXX XXXX sent you money through Chase QuickPay with XXXX. Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
Payment details : Amount : {$120.00} ( USD ) Memo : For claim number XXXX To learn more, sign in to chase.com/QP. 
Have questions? Please call Chase Customer Service at XXXX. 
Sincerely, Chase QuickPay with XXXX team '' I was expecting this payment. However, this amount was NEVER CREDITED to my account by Chase Bank. Numerous communications with various Chase representatives did not lead to any resolution. The last was on XX/XX/XXXX, XXXX XXXX from the executive office, XXXX, ext XXXX who called me once and never returned my calls afterward. I need Bank to credit my account for the amount that they apparently lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, the dispute resolution process provided by Cash App was both unfair and deceptive. They did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant financial loss and inconvenience, including a fraudulent withdrawal of {$2000.00} from my account. 

I am seeking appropriate redress for these violations and expect Cash App to take responsibility for their shortcomings.
Product: Credit reporting or other personal consumer reports

Accounts that are on my Experian credit report. I waited 30 days for them to respond and did not get a response from them. I then sent a second letter on XX/XX/year> asking them to remove the accounts from my Experian credit report because they failed to respond to me within 30 days of my first letter. It has now been 30 days since I sent the second letter and I still haven't gotten a response. Please have this account removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated that your company is not investigating this account properly. There is a late remark from XX/XX/XXXX that was accessed due to a balance from XXXX that I paid. This was filed in error and I have reported to the Consumer Financial Protection Bureau as this is wrong information reporting. 
I financed this car and sold it back in XXXX. I was told that I need to pay it in full before I sold the car, so I did. I attached my receipt and check from XXXX that shows I made the payment in XX/XX/XXXX. There was NO balance on this account after I made the payment this account. I was never informed by your company that this account was past due UNTIL XX/XX/XXXX, TWO YEARS LATER!!!!!!!!! I was never informed for two years that the payment did not go through. I called Chase and paid this account off and then leased another car with your company. Any type of fees that I had to pay were transferred over and I made sure I paid everything. I was even told I do not owe any additional funds on either cars so I am confused as to why this is reporting this way. I need all calls pulled back in XXXX as you will hear how I was told to pay this account in full. Also pull the calls from XXXX, as I was also told that all the fees were paid. 
Your company said I missed a payment that was due on XX/XX/XXXX from a fee that was due on XX/XX/XXXX. That makes absolutely no sense so this late remark from XX/XX/XXXX needs to be removed. I have also attached my proof of payment for the XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. On top of that the account is over XXXX years old. I had this taken off before because the account was not mine and some how that was proven before. How could this even reappear after all of these years?
Product: Mortgage

Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.
Product: Debt collection

This is in regards to a debt with Midland Credit Management. It stated XXXX XXXX was the original creditor. I sent Midland Credit Management a request for validation of the debt sometime last year via Usps regular mail. I havent received anything. I understand the pandemic has made processing of things a little slow, but its been almost a year. Im disputing this collection item. I have business with XXXX XXXX but not XXXX XXXX. Im requesting validation of this debt asap. Such as a credit agreement signed by me and documentation of the chain of custody of all paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a certified letter to Investigate my account on XX/XX/XXXX & they have not responded back via a proper letter. Neither was proper investigation done. They instead allowed the collector to send me a collection notice. Here is my tracking # XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This card was opened up fraudulent my XXXX XXXX XXXX XXXX XXXX XXXX  open up a lot of accounts in my name and this is one and whats so crazy is that this company gave a card to someone without proper identification, how can a company have a card to someone with using someone else information and whats so crazy is that I have told this company that it was open fraudulent and the party that did this has passed away now, how is it that a card company would even allow this without talking to anyone over the phone all a person needs is someone information and they issue a card and months down the line they tell you, you owe something this company needs to be held at a higher standard
Product: Debt collection

I contacted XXXX XXXX XXXX on XXXX XXXX 2018. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with GM Financial, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a GM Financial employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.