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

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 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 months that are reported late 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 21 days before the payment due date. NAVY FCU 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

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  XXXX Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 XXXX XXXX affiliated with XXXX has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with XXXX Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with XXXX have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with XXXX has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from Transunion on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested XXXX to delete my federal loan amount from my credit report because the entire amount was forgiven by the US Department of Education. This reflects not only on the FAFSA website but also NelNet who were the holder of the loan amount. XXXX only deleted a portion of the amount and not the entire amount.
Product: Vehicle loan or lease

For the last 9 months I have not been called by anyone from M & T bank. They reported a repossession on my credit even though the account shows as current in their system. I never missed a payment. XXXX XXXX and XXXX XXXX do not return calls and they do not give emails. My credit report has shown an incorrect repossession for more than 5 months. This is the worst customer service I ever witnessed in my entire life. Seems like the bank is participating in a conspiracy to intentionally destroy peoples lives.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Own.Lease made a hard inquiry, on XX/XX/XXXX XXXX XXXX XXXX made a hard inquiry, on XX/XX/XXXX XXXX XXXX made a hard inquiry. I was unaware and did not authorize these inquiries and a identity theft report was filed, included in report.
Product: Checking or savings account

I called a so call XXXX company about a payment that they email me that was going to come out of my account. Asked me to download a app in which turned out to be for him to see what I was doing on my phone. Told me my to go into my bank transfer money but that it was not going to go through. It turned out I was transferring money through XXXX to him. I immediately hung up once he said to go to my XXXX app. He called me Back really XXXX of why I hung up. I immediately called my bank to report but they said it was a valid transaction and that I was not going to get refunded. It turned out the money went to a XXXX XXXX XXXX bank. All this happened on XXXX of 2021.
Product: Mortgage

I was approved for forbearance on my mortgage account related to COVID 19 financial difficulties. My payments were reinstated as of XX/XX/2020. I made the XXXX payment on XX/XX/2020 however my servicer has not credited that payment to my account. I have messaged DMI servicing twice now through its secure message center asking for my payment to be credited but I have not received a response. When I review my account, my payment still shows due for XX/XX/2020. I realize I need to reinstate my loan however I have not received any formal communication from DMI as  to my reinstatement options. Obviously I do not have the ability to pay the 3 months of deferred payments in one lump sum otherwise I wouldn't have applied for forbearance but I also do not know what my options are. I do not want to talk to DMI by phone. I would like any communication to be mailed so I have a record of what my options are. 

In addition to this matter, DMI is preventing me from using its online payment system for making payments to my account and will not accept personal checks via mail or at a bank branch office. The only options I have for making payments is XXXX XXXX which causes me to incur substantial additional costs ( {$89.00} ) or certified check which again is an additional cost and a significant inconvenience as I am forced to go to bank branch and deal with an in-person interaction in the face of COVID 19. Neither of these options are ideal so I ask DMI to please reinstate my ability to make online payments to my mortgage account.
Product: Mortgage

LoanDepot was incompetent in providing details on loan estimate worksheets to provide accurate information about fees and taxes associated with a new mortgage. Data needed to be frequently checked to ensure accuracy of information. After completion of the new home, LoanDepot forgot to get their final inspection and asked for pictures of our home interior after moving in. Pictures were " required '' for the loan even though the mortgage had been sold to another lender and recorded without issue with the county assessor. Imagine a bank requiring pictures of your wallet which you no longer have an account with.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There have been several accounts opened without my consent and are reporting on my credit report. I have filed a complaint with the FTC as well as disputed the inaccuracy of the account with the creditor. This account has not been removed from my report, it continues to be updated and verified when in fact it does not even belong to me. I have a fraud alert on my XXXX credit report and was not contacted prior to this account being opened. This fraudulent account is making it very hard for me to obtain credit or to purchase a home because it is reporting as a derogatory trade account. More than XXXX times I have contacted the creditor and the reporting agencies and nothing has been done. The account is severely past due and accruing more interest and reporting with a negative history. As a consumer it is unlawful to be held responsible for an account in which I had no affiliation. I am requesting that the accounts listed on my FTC report be deleted and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now Experian is the first one XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX no phone and inquiry happen XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a XXXX Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX Im not sure if I previously reported these so Im gon na letting you know ahead of time  XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX phone number XXXX inquiry XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX
Product: Mortgage

Because of multiple errors on the part of my mortgage escrow account, I have asked that the mortgage company let me out of my escrow account. This the the 3rd time I have made this request. Each time I make a request I am given a different excuse as to why this can't be accomplished. This year, I changed insurance companies, and notified them of this. They proceeded to pay BOTH insurance companies putting my escrow into a negative balance. Even though I contacted them immediately, they forced me to pay 2 mortgage payments of almost {$200.00} more than my previous payments. I have no idea where the extra money went, but it doesn't appear to be in my escrow account. Here are the excuses that have been given to me by my mortgage company.

1. I had one late payment in the first year. This is true, because I misunderstood how long I had to pay after the due date of the 1st.

2. I was told I did not have a conventional loan. After looking into this, I found that I DID HAVE a conventional loan.

3. I was then told that the investors did not allow me to pay my own insurance & taxes.

I had an attorney look into my paperwork and I have contacted the company that did the closing for me and they both agree that # 2 excuse & # 3 excuse are nor valid. No where in my mortgage contract does it state that I have anything other than a CONVENTIONAL LOAN, not does it state that the investor does not allow me to pay my own insurance & taxes.
Product: Credit card

Since XX/XX/year> I have been charged {$33.00} to XXXX XXXX  in fees out of the {$48.00} XXXX  a month payment I am scheduled to make. I had no idea how high the interest rate was on this card, and was not alerted when I received the credit card offer. The offer stated that it was a " no interest card for 1 year '', and then they really hiked up the rates once the year was over. I would appreciate a lower payment per month, too, if at all possible ( lower than {$48.00} a month ). In short, I want to pay off this debt without obstacles, and I would like to get closer to that forseeable goal.
Product: Mortgage

Hello my name is XXXX XXXX XXXX I am writing on behalf of my husband because he XXXX, Because of his situation he can not maintain his home and we are currently trying do a short sale with NationStar that is servicing the loan, NationStar has deny my short sale, they claimed that my agents was n't responding in which it is a false statement my agent have made every effect to sell my home. NationStar claims that the only way I can be able to get approved for a short sale if I participate in an online auction. They auction my property on XXXX XXXX, 2015 in which they claim that someone bided in the mid $ 300K this buyer never responded it was a waste of my time because XXXX does not know if the buyer are qualified to bid. ( I was already in contract with another buyer in which I lost because they lost the bid ). XXXX sent my agent an email saying that they will auction my property again on XXXX XXXX, 2015 and on XXXX XXXX, 2015 I email my agent a letter to send to NationStar that I deny that my property be auctioned on XXXX. In which NationStar never responded to the letter and the property was auction anyway and the short sale was denied. I resubmitted for a new short sale and they are giving me such hard time my agent submitted a offer higher than XXXX XXXX, 2015 auction. And again NationStar has not respond. I just want to get this over with, it been five month. We should n't be force to auction our property, if we already have a qualified buyer and are in contract. My agent submitted an offer on behalf of the buyer, but NationStar never counteroffer and email my agent that I will have to participate in online auction for my short sale to be approved. I think it unfair to have drag this for another couple of month. I hope you can help me in this matter.
Product: Debt collection

I noticed a collection on my credit report for a debt that is not mine show up on my XXXX, XXXX, and XXXX credit report. I disputed the debt right away as the original creditor is not someone that I signed an agreement to extend credit with. I was notified that the debt was validated and remains. I submitted another dispute with the request from all three and to no avail, the debt was again validated. 

I do not owe this company, I have received no information of a debt from this company and the requested proof of debt has yet to be provided. I have another collection that the company has also failed to do and all three credit reporting agencies have failed to provide any proof of validity to the debts. I have contacted the companies and both still fail to validate the debt and are demanding payments that I do not owe. They have yet to provide any legal proof that I owe these debts. 

XXXX XXXX in the amount of over {$7800.00} and they are charging more than 80 % interest on a debt that was paid. The original company has been out of business for over 4 years. The debt was paid in full in 2016. 

Leafy Financial , LLC in the amount of over {$5400.00} for " XXXX '' XXXX. I financed through XXXX and that was paid in full with a XXXX balance. XXXX XXXX has not returned my call nor contacted me back via email to discuss this account. This is not a valid debt and that debt is not owed to this furniture store.
Product: Mortgage

I've contacted Shellpoint mid XX/XX/year> since they acquired XXXX after I sent in an XXXX  payment using XXXX for {$1800.00} on XX/XX/year> to make a monthly payment. I spoke with agent XXXX Shellpoint employee number XXXX who assured me the SLS account payment would be sent over to Shellpoint within XXXX business days. I asked if I needed to report this incident to the police authorities and she again said that this happens all the time and give it until the XXXX of XXXX to be completed. She said I would not be charged for LATE FEES due to the payment. When I called again she was hesitant to give the receive code for Shellpoint so I could check with XXXX and said she has no idea where the payment is and ended the conversation. Shellpoint over the past months wrote letters saying the conversion would be seamless. This is a lie. This is but a cleaver scam for wire fraud. Because they have now sent a foreclosure notice with added late fees and CORPORATE ADVANCE BALANCE FEES {$120.00} AND AN UNAPPLIED BALANCE {$460.00} THAT THEY WONT SEND BACK TO ME. Who buys a company and has no idea about a wire transfer is. This is a scam to rack up excess fees in an economy with high inflation and have clients unable to make successful payments on time and eat up fees. all disguised as a legitimate business but running a scam and essentially wire fraud claiming to not have received money and not blocking the old method of sending it. When I initially tried sending the money to Shellpoint XXXX said it was the wrong number or not active
Product: Mortgage

I paid off my mortgage ( serviced by Seterus ) in XXXX XXXX and called Seterus on XXXX/XXXX/XXXX asking when I would receive my XXXX form so that I could file my tax return. I was told that it showed that it was mailed around XXXX/XXXX/XXXX and that I should wait a week before I call again, in case I receive it. I did not receive it, so I called back on XXXX/XXXX/XXXX. They stated that it was sent, but they ca n't request a re-mailing/re-sending from their other unit until XXXX/XXXX/XXXX ( their procedures, they said ). They also noted that the mailing address was a XXXX , and wanted to confirm that with me. I said no, the mailing address is and has been the same address as the mortgaged property ( the house I 've been living in for 13 years ). They looked in their records and could not state why my address was changed in their system, but that they would correct it immediately. I told them that I would like to do my taxes, and ca n't without this info. They provided me with the info over the phone, but I informed them that the interest amount ca n't be right because my last statement from them ( XXXX XXXX ) showed an even greater amount. The Customer Service person calculated the numbers again and agreed. They said they would have my XXXX recalculated and send me another one to the correct address. I called back on XXXX/XXXX/XXXX and asked where my XXXX statement was. They said that they mailed it, but it appears it went to a XXXX address again, and said that the system must not have updated on XXXX/XXXX/XXXX when they corrected it ( their internal notes note that the address was corrected on that date ). The verbally told me the corrected XXXX amount, but I also asked that I need something " hard '', and e-mail or a fax of the XXXX so that I can be confident in filing my taxes. They said they ca n't do that. I asked the Customer Service person to please speak with her supervisior to make sure there is n't anything they could do. She said that her supervisor told her that their procedures do not allow me receiving the XXXX via fax or e-mail, and that because I no longer have loan servicing with them, I ca n't access my account on-line. I reiterated my circumstances and asked if they could at least reinstate my on-line account access. The answer was no. I asked them if they would want me to report this to the Consumer Financial Protection Bureau. The customer service person said her supervisor said 'sorry, but that is our procedures. '
Product: Credit reporting or other personal consumer reports

This loan was forgiven several months ago. I sent them the documentation of proof but they have not corrected the issue. My balance is XXXX as all were forgive for police officers which I am presently.
Product: Debt collection

I have had repeated phone calls from CKS Prime Investments. They overload my phone with so many calls I keep it in do not disturb to be able to have a normal work/life balance without my phone ringing every 5 minutes.
Product: Mortgage

Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering.