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

Multiple issues : 1. First of all, this is a commercial loan, held under my XXXX. The mortgage servicing company, Shellpoint Mortgage, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of XXXX due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the XXXX 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with Shellpoint, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of Shellpoint had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of Shellpoint regarding the matter.
Product: Mortgage

I have a mortgage with United Wholesale Mortgage ( UWM ). My loan number is XXXX. I work for the federal government and have allotment set up to pay {$1100.00} every two weeks. UWM constantly changes the bank routing number and does not tell me. This results in me getting late notices. I have called UWM at least 100 times over the last year and they are incapable of doing their job. Please help me. XXXX XXXX, phone XXXX XXXX XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX. I have made XXXX  payments ahead on my account. I was paid ahead until XXXX XXXX XXXX. My account now says that my payment is due next XXXX when XXXX XXXX ago it showed ahead XXXX XXXX. I tried to call the customer service line but they stated they are applying all future payments to principal and not payments ahead like it showed just XXXX XXXX XXXX. My payments have been misapplied.
Product: Credit card

I received a letter from Best Egg on XX/XX/year> stating if I do not use my credit card before XX/XX/XXXX that they will close my account on XX/XX/XXXX. ( USPS emails me a picture of every piece of mail I receive, I have picture proof with timestamp that their letter arrived on XX/XX/year>. ) I called their customer service at XXXX to discuss the inaccurate info in the letter and to request that they not close my account. I offered to go make a purchase today, but they said the deadline was the XXXX no exceptions. I explained the letter arrived today and I have a timestamp to prove it. They claim the letter was sent XX/XX/XXXX but the date on the letter is clearly XX/XX/XXXX. 

This seems like an obvious attempt to cancel consumer cards who have no balance. My balance has been paid off for a couple of months and now they want to cancel my account with this fraudulent letter. I spoke to their Supervisor XXXX ( employee number XXXX ). He was not helpful and just wanted to close my account. 

This account closure will negatively affect my credit score by reducing my overall open credit and reducing my length of credit history which is unacceptable. 

This is an unfair practice, and I would like CFPB to open a case against Best Egg to find a resolution. 

Best Egg XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX
Product: Credit card or prepaid card

i have been with citi for years many accounts. Recently their phone system has been changed and it INCONSISTENTLY recognizes your cc card when you use automated. I have lost much time due to this not getting info i need Today i called on card ending XXXX my cash returns and XXXX had me on hold. did not help I told her how frustrated i am. i wanted to pay a bit on my card and then DISPUTE an item i never received the XXXX   order I NEVER RECEIVED. we never got there. i hung up in disgust. Please fix phone system so it consistently recognizes the CC number in the automated system .ITS FRUSTRATING Please put that charge into dispute as i never received item.
Product: Debt collection

The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this is incorrect and I am not waiting until Citicard decides to report to the bureaus, I need it updated now... 

CITICARDS CBNA Credit usage XXXX XXXX  Balance {$2900.00} Balance updated XX/XX/2024 Credit limit {$3000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/2024 Account type Credit Card Payment summary 2024 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status
Product: Mortgage

HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to First Advantage requesting a copy of my consumer background check report. I requested this report because First Advantage provided a copy of my background check to The XXXX XXXXXXXX University and did not provide me a copy of my background check that they said they would using their intake form. After I did not hear from First Advantage, I called First Advantage on XX/XX/XXXX and spoke to a customer service representative about ordering a copy of my background check disclosure. I was assured that I would receive a copy of my consumer report by email within a few days. 

On XX/XX/2021, I received an email requesting proof of verification of my address. I sent First Advantage a recent credit card statement which satisfied their requirements for proof of address. On Wednesday, XX/XX/2021, I received an email from Operations Analyst XXXX XXXX, who sent me an encrypted PDF that appears to be my consumer report. However, XXXX failed to provide me with the password to the PDF document, rendering me unable to read the report. 

Despite repeated emails since receiving the PDF, XXXX has failed to either tell me the password to the PDF of my consumer report, or send me a copy of my report unencumbered by encryption. Despite my repeated reasonable requests for my report, First Advantage has failed to provide me my report as of XX/XX/2021. Therefore, I have been deprived of my right to review my consumer report under the Fair Credit Reporting Act.
Product: Mortgage

SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.
Product: Credit reporting or other personal consumer reports

While working with a mortgage underwriter to purchase a home, I discovered that my identity had been stolen. Several fraudulent accounts, including personal loans and credit cards, had been opened in my name without my knowledge. Before this, I wasnt educated about credit management and did little to understand my consumer score. This discovery was shocking and derailed my home-buying process, but it also forced me to confront gaps in my financial knowledge. Since then, Ive protected my credit and learned more about my financial health. This experience, while distressing, has made me more resilient and financially aware. Below is the list of the fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

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

I have requested proof that this information was mailed or delivered 21 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XXXX I went to Discovers website to apply for a personal loan for personal, family, and household purposes. 

I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. 

The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. 

After submitting my information on the credit application, which Discover accepted and proceeded to pull my consumer reports. 

Discover then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. 

Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. 

This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. 

According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security XXXX ) in good faith to obtain financing for personal, family, or household uses. 

In using my credit history or consumer reporting as a basis to deny me my right to credit, Discover is violating my federally protected right credit as the consumer in this transaction.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report that I have asked that it be deleted. My name is XXXX XXXX this is my only name. My address XXXX XXXX XXXX XXXX XXXX SC XXXX this is my only address and any other address is not mine and needs to be removed.
Product: Debt collection

I.C. SYSTEM, INC has placed a negative mark on my credit. This collection agency has not informed me of this debt or provided documentation or verification of what this debt is for.
Product: Mortgage

FIFTH THIRD BANK ILLEGALLY FORCE-PLACED HOME OWNERS INSURANCE 2 MONTHS BEFORE THE RENEWAL DATE OF MY OLD SLIDE POLICY, DISREGARDING THE FACTS THAT I TOLD THEM I HAD A XXXX XXXX XXXX XXXX CITIZENS XXXX AND IT WAS BETTER AND LESS MONEY AND THAT I WOULD SUBMIT TO FIFTH THIRD WELL BEFORE THE EXPIRATION OF MY OLD SLIDE POLICY. WHICH I DID PERFECTLY ON XX/XX/2023. AGAIN, MY SLIDE POLICY WAS UP ON XX/XX/2023. I HAVE HAD THIS XXXX. WITH FIFTH THIRD BANK FOR 30 YEARS AND HAVE ALWAYS PAID THEM ON TIME IN SPITE OF TAX AND INS. INCREASES. I SUBMITTED BOTH XXXX AND XX/XX/2023 PAYMENTS WITH THE CORRECT AMOUNT THAT I HAD PAID EACH MONTH ALL YEAR. THEY SENT BOTH PAYMENTS BACK SHORTFALL. FIFTH THIRD TOLD ME I DID NOT HAVE TO XX/XX/XXXX AND THAT I NEEDED TO PAY THE RENEWAL OF SLIDE THEY FORCE-PLACED INS. THAT INCREASED MY XXXX AND XXXX PAYMENT {$1000.00}. MORE A MONTH. THIS IS WRONG, I KEPT THEM UPDATED AS I WAS GOING THRU THE DOCUMENTATION OF THE THE NEW HOME OWNER, CITIZENS AND PROFORMED PERFECTLY AND ON TIME WITH THE NEW POLICY. NEVER DID I AUTHORIZE FIFTH THIRD TO DO WHAT THEY DID AND IN FACT NOTIFIED IN ADDITION TO FIFTH THIRD BANK, SLIDE AND THE INS. AGENCY CONNECT TO ME AND SLIDE MULTIPLE TIMES!..
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX