23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I currently have a personal loan with Wells Fargo. I had been making payments experienced change in income sometime ago reached out to Wells Fargo and they were not able to work with me with payments I could afford. I enrolled the account with take charge XXXX almost XXXX years ago. my payment amount did n't change but it helped with interest and fees. Though still a struggle I made the monthly payments. Recently again I experienced change in pay spoke with take charge XXXX they informed me to try to call wells Fargo to see if they can do a hardship so I did. Was told they ca n't work with me even if I take the account out of the consolidation program. They were not the only creditor I have and my others XXXX being XXXX worked with me. I returned a call to Wells Fargo today and got a gentleman on the line named XXXX XXXX explained to him again the situation and what Wells Fargo informed me that they could not work with me he explained that that was correct and at this point the company would do what they had to do to collect the debt. I explained to him again at this point I 'm at a dead end because they can not work with me so I 'm forced to pay what I can when I can. He then proceeded to be very rude harassing and unprofessional I reminded him of my place of employment and that I am aware of the collection laws and how I should be treated as a consumer. Also that I would not continue to have the conversation with him speaking to me in that manner. He rudely stated to me that he already Went over this information with me that Wells Fargo could not help with an arrangement and that he was transferring me to someone else. I told him that I was at work and that if this person was not going to be able to assist me with a hardship there was no point in me being transferred he said well that 's your choice he proceeded to transfer me a woman answered and then I was disconnected I called back and I got a nice gentleman named XXXX XXXX told him that I just wanted to speak to a supervisor and he plays a supervisor by the name of XXXX. On the line. I informed him that because of the behavior of the first representative that I would be filing a complaint he informed me that he would have to put me in contact with a different department and that no one was available and that he would have someone call me back I received a call from XXXX said he was with the XXXX offices of Wells Fargo and that he would be conducting an investigation and that if I wanted to still file my complaint that that was definitely my decision to do so and that he would follow up with me in about XXXX business days or sooner. 
The XXXX representatives and the supervisor that I spoke to when I ask for their full names and/or ID numbers the representatives only gave their first name an office that they were located and the supervisor gave his first name and last initial.
Product: Mortgage

Please note that the category selected is the best fit, but is not the actual challenge we have. This is not an application or re financing request. 
My conventional mortgage closed on XX/XX/XXXX with XXXX XXXX XXXX, and was quickly transferred to LoanCare XX/XX/XXXX. 
I am a married Florida full time resident, and both my wife and I reside in the property. 
Only my name is on the title of our marital home. 
We have been seeking to add my wife 's name to the Deed to reflect joint ownership of the property. As they have a financial interest in the property we have been seeking the written permission of the mortgage company to do so. 
My attorney has sent two ( 2 ) letters and our requested written response has never been received. The mortgage company claims not to have gotten the first letter of XX/XX/XXXX. The second letter was sent on XX/XX/XXXX via certified mail and a response was requested within 21 days. 
We have not received any response from Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXXR partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Mortgage

On XX/XX/XXXX I was offered a deferment and accepted it. I was told by the Shellpoint representative who qualified me for the deferment that a single point of contact, a XXXX XXXX would contact me within XXXX hours to finalize the deferment, XXXX XXXX NEVER CALLED TO DATE. I called several times and could never reach XXXX XXXX and no one else would assist. On XX/XX/XXXX my loan was sold to a new investor. I never received any information that was loan was sold or being sold. At the end of XXXX, Shellpoint stopped offering Covid Deferments. I called and was finally routed to a new single point of contact, XXXX XXXX XXXX XXXX XXXX now told me in early XXXX, I did not qualify for a deferment because my investor does not allow it. How can my loan be sold when I am in the process of a deferment? How can an investor who did not own my loan when the deferment was offered govern and restrict my deferment that was offered before they owned the loan? This is intentional mortgage fraud and Shellpoint must be stopped. The work out options are supposed to help homeowners to stay in their homes. The only option being offered NOW under the new investor is a modification that would change my interest rate from XXXX percent to XXXX! This would change my payment from {$1500.00} ( which the Shellpoint rep quoted ) to almost {$2800.00}. I would be guaranteed to lose my home. 

I have been fighting this decision of no deferment for XXXX  months now. This has taken a toll on my health, credit and finances. Everyone ( meaning XXXX XXXX XXXX, XXXX XXXX and XXXX a supervisor ) from Shellpoint now agrees ( AFTER my original CFPB complaint that XXXX ( the new investor did not own the loan when the deferment was offered. No one can prove where XXXX XXXX ever corresponded via email, letter or phone-which they are supposed to exhaust as they do with the foreclosure and default information. 
SHELLPOINT NEEDS TO MAKE THIS RIGHT! 
Shellpoint had a duty to contact me as stated by representative who offered the deferment. Shellpoint has a duty to notify the borrower of any changes to their servicer and XXXX. Shellpoint violated RESPA rules. How can they be allowed to operate in this unethical fashion. This has to be some type of compliance violation because my file was allowed to just be neglected. This neglect has caused me further damage. 
CFPB should ask to listen to the original call on XX/XX/XXXX. This call proves the offer and acceptance of the deferment AND provide the timeline for which I was supposed to be contacted by a Shellpoint single point of contact to complete the deferment paperwork. Shellpoint is trying to make me loose my home because there is quite a bit of equity in the property and it would be a good asset. 

I requested the actual written verbiage between and full XXXX to prove what the reasons Shellpoint reneged on the deferment. This will prove my case that this is unfounded, unfair, should retracted and evaluated for malfeasance.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 ( MONTHS REPORTING 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. 


EQUIFAX XXXX 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email alert with the subject " Review the potentially negative activity on your credit report '' from my credit card company. I saw the email mentioned " Credit information provided by Experian ''. Therefore, I went to the Experian website to check what happened. I signed up at the Experian website for the first time.

I found an account that newly showed up on my Experian credit report that has the Account Name " XXXX XXXX XXXX XXXX '' said " Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. '' with Original creditor " XXXX XXXX XXXX ''. 

I immediately found this account was a complete fraud and absolutely did not belong to me. I looked up " XXXX XXXX XXXX  '' and they seem to be a property management company in XXXX XXXX, CA. I have never rented or done any business with them. I have rented the exact same unit at my current apartment complex in XXXX XXXX, CA since XX/XX/XXXX. I never owe " XXXX XXXX XXXX '' any money. 

On XX/XX/XXXX, I called Experian to dispute this account, explained this shouldn't belong to me, and requested Experian delete this account from my credit report. 

On XX/XX/XXXX, Experian emailed that the dispute is completed. I still see the account on my credit report. 

On XX/XX/XXXX, I called Experian again and explained again that this account shouldn't belong to me, I lived in the same apartment since XX/XX/XXXX. The first representative of the Experian phone line told me she didn't see a Social Security Number associated with this account. She believed this might be a " mix up '' so she transferred my call to their " XXXX Department ''. 
The second representative then told me they confirmed with " XXXX XXXX XXXX XXXX '' that the personal information was accurate, so the account was verified. I challenged the representative whether " XXXX XXXX XXXX XXXX '' provided my SSN because the first representative told me there was no SSN. The second representative didn't confirm about XXXX but kept saying personal information was accurate etc. I requested Experian to provide proof, he told me I had to contact " XXXX XXXX XXXX XXXX ''. At the end of the conversation, Experian opened another dispute for me. 

On the same day XX/XX/XXXX, I called " XXXX XXXX XXXX XXXX '' directly. My call kept getting transferred or hung up, so I spoke to roughly XXXX representatives. None of them could provide any proof that the collection account/debit belongs to me. The information they had ( such as name, date of birth, and address ) did not match my personal information at all. At last XXXX representative said he couldn't do anything because the account was disputed already and hung up. 

On XX/XX/XXXX, Experian emailed again that the dispute is completed. I still see the account on my credit report. 

I am totally upset with both Experian and " XXXX XXXX XXXX XXXX '', please help me delete this fraud account from my credit report. This account does not belong to me and should never show up on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online Flagstar mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - Flagstar attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact Flagstar, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. COVID has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX
Product: Debt collection

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust.
Product: Credit reporting or other personal consumer reports

XXXX Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : No Current payment status : 12 plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX Negative marks ( XXXX ) Charge-Off XXXX Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : 12 plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX XXXX XXXX  Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : 90 plus days late XXXX Late : XXXX, XXXX, and XXXX I have no knowledge of the inquires listed below. 

Inquiries : XXXX  XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that CREDITACPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft laws, particularly under Chapter 570, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty tha
t I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : 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 XXXXXX/XX/XXXX
Product: Bank account or service

Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Bank of America so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Bank of America charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Bank of America decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to bank of america. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else.
Product: Credit card or prepaid card

I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.