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

After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.
Product: Mortgage

XX/XX/XXXX contacted mortgage co. to say switching XXXX XXXX XXXX, not to pay XXXX. 

Regardless on XX/XX/XXXX Shellpoint supposedly sent a check to XXXX any way for {$XXXX}. 

XX/XX/XXXX I cancelled with XXXX, asked them about refunding this amount. They stated " we absolutely have not pulled anything from your escrow account. Your total balance of {$XXXX} is showing as unpaid. We can only send your mortgage company an invoice, which does get sent out around a month prior to the due date so as to give them ample time to make the payment before it's due, and from there they will send us a check. If your mortgagee has already mailed the payment and it is processed before the termination takes effect, it will be refunded and mailed to you in check form. '' Also on XX/XX/XXXX I switched my XXXX XXXX to XXXX. The amount is {$XXXX}. 

I have repeatedly emailed Shellpoint that they have DOUBLE CHARGED my account, causing it to be overdrawn, no answer. 

On XX/XX/XXXX, I have XXXX automated response emails stating that they got my emails and they would answer me " as soon as we can. '' They have never answered me. 

They provide an email to send your docs to which is XXXX This email ( XXXX ) absolutely does NOT work, every email sent bounced back " Undeliverable : [ XXXX ] Proof of Insurance '' So Shellpoint supplies a non-working email contact. 

XXXX sent, all bounced back. 

Now Shellpoint has OVERDRAWN my account. They have ignored all contact from me. They have again essentially stolen my money. 


Transaction Date Transaction Amount Due Date Description Principal Amount Interest Amount Escrow Amount Late Charge Amount Principal Balance Escrow Balance XX/XX/XXXX - {$XXXX} XX/XX/XXXX Insurance Premium Disbursement {$XXXX} {$XXXX} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Insurance Premium Disbursement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shellpoint needs to immediately cancel the {$XXXX} supposedly sent to XXXX & XXXX my account. 

XXXX has not received this. 

This is the fault of Shellpoint.
Product: Debt collection

I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Charged off XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX Bankruptcy XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Late/Open
Product: Money transfer, virtual currency, or money service

I inadvertently sent {$1700.00} intended for XXXX XXXX to Ally Financial who I had a car loan with ( paid off in XX/XX/XXXX. I have contacted them 7 times and have been on the phone with them for over 4 hours and they will not return funds, will not return calls, will not provide a status update, will not provide any resolution or path for me to resolve this. XX/XX/XXXX web based transfer from my credit union to Ally. I have a confirmation no. from Ally XXXX concerning my complaint. My former auto loan no is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of the FCRA by reporting negative inaccurate information on my credit report. This NOT my account, on my credit report the opening date of XX/XX/2021 and the account # listed is XXXX. This negative inaccurate information needs to validated.
Product: Bank account or service

I went to Bank of America to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Bank of America it has been7 weeks, and Bank of America says its my fault and want to our company to settle for half the money $ XXXXI never thought that Bank of America would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer
Product: Credit card or prepaid card

On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.
Product: Mortgage

My son has a home mortgage serviced by Shellpoint Mortgage. I am a co-signer on his loan. My son is XXXX, legally XXXX, and I help him with making his payments each month after he receives his XXXX payment. 

I made the following mortgage payments via ACH through my son 's XXXX XXXX  account : XXXX XXXX, XXXX - Paid {$1200.00} ( {$1100.00} mortgage payment for XXXX, {$35.00} late fee, {$20.00} NSF ) - CF # XXXX XXXX XXXX, XXXX - Paid {$1100.00} ( XXXX payment -was told late fee waived ) - CF # XXXX XXXX XXXX, XXXX - Paid {$1100.00} ( XXXX payment -again told late fee waived ) XXXX  # XXXX XXXX XXXX, XXXX - Paid {$1200.00} ( XXXX payment - {$1100.00} plus {$35.00} late fee since it was never waived as promised ) Received XXXX, XXXX, Shellpoint Mortgage statement showing only current payment for XXXX due plus late fee due ( copy attached ) XX/XX/XXXX - checked account online and saw that my XXXX, XXXX and XXXX payments were reversed. I called Shellpoint, spoke with XXXX XXXX for XXXX minutes. He could not explain how or why my payments were reversed and abruptly disconnected call. I called Shellpoint back, asked to speak with XXXX but was told they could not connect me to XXXX. I spoke with XXXX XXXX for XXXX minutes, again explained everything to him. He told me they showed receiving all of the payments but that we have a balance of {$3700.00} for XXXX, XXXX and XXXX payments of {$1100.00} each, {$100.00} late fees and {$20.00} NSF. He said the XXXX XXXX, XXXX XXXX and XXXX XXXX payments must have been reversed. He could not explain why. I asked him how a payment ( XXXX XXXX ) could be reversed after 64 days and he told me he could not answer that question. I asked him to get someone on the phone who could answer my question. He transferred me to a XXXX, XXXX XXXX There was so much background noise that I could not hardly hear him. He told me that he would call me back so we would have a better connection. OF COURSE, he did NOT call me back.
Product: Credit reporting or other personal consumer reports

My account with 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 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 60 days 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. 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 8
Product: Debt collection

I have been having problems with this for months now, I keep calling and am being told that I have paid my balance and do not owe anything, yet I keep getting emails stating that I owe.I have been having problem with this account for some time and nothing is being resolved. Is a matter of fact my credit has been ruined because of this. Evertime I call Pay Pal they tell me I owe nothing, which I know is true, my last balance was for {$80.00} ( +- ). 

Following is an account of the times I have called, that I took notes of : XX/XX/2021 Called Pay Pal and spoke with XXXX, put me through wih Synchrony Bank, was told to give it a couple of days to clear, sounded sketchy but I agreed. 

XX/XX/2021 Called XXXX XXXX XXXX I spoke with XXXX who transfered me. I was told that I did not owe anything, that my balance was XXXX. 

XX/XX/2021, Finally called XXXX  and spoke with XXXX and said I could make a dispute at XXXX XXXX, ext. XXXX so they could help me. I spoke with someone named XXXX, I believe, he wanted my complete S.S. number, I told him that I was uncomforable giving my whole number, I told him I had called before and was asked for my last four numbers. I assume he did not like my answer beause he would not talk to me anymore. I could hear he was still on the line but he would not answer me, so I had no other alternative but to hang up. 

XX/XX/2021, Received letter from Synchony Bank called XXXX XXXX XXXX gave my phone number twice and my S.S. twice and was told that they could not find any account with that information. 

I sincerely pray that someone can help me with this mess. I am a retired woman of 70 years owe, to me, my credit is all I have going for me and for it to be taken from me would be desvating since my credit is what gets me through. 
I would appreciate it very if there is help out there. 

Sincerely,
Product: Student loan

I have auto pay set up, but every time my payments are due it looks like its being processed and then the payment is reversed without my knowledge. I called my bank to check if there are any blocks with my account, and they do not have any blocks that would cause issues with making my loan payments. I have not been able to get in touch with EdFinancial to figure out why my payments have been reversed over the past 3 months, causing me to have missed and overdue payments when that should not be the case. I have auto pay set up, and my bank says there is no blocks on their end that would cause any issues with making payments.
Product: Mortgage

Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed fraudulent accounts despite over 6 submissions being sent in this past year all of which met the statutory requirements for blocking.
Product: Debt collection

The number XXXX keeps calling my employer trying to collect a debt.
Product: Money transfer, virtual currency, or money service

I called binance support because I needed to withdraw my funds into my ledger. ( Im not very tech savvy ). I couldnt login so I called support, the representative basically told me he would help transfer my coins into my ledger for me. Long story short, I gave him access to share my screen ( stupid move ), he transferred a few random coins into my ledger as I watched ( thinking he was transferring them from my binance account ), until after a few minutes my screen went black and he told me this will take a few minutes. While it went black, he transferred all my existing coins from my ledger out and left me with nothing then hung up and blocked me. He stole XXXX worth of crypto. I came to find out after doing some research that it was a scam phone number posing as binance customer service. I contacted XXXX to remove the link, which they havent yet. I still have the phone number and he blocked me but when I called from my friends number, he answered. I had my friend hang up and a few minutes later, the scammer called my friend back. The scammers phone number is XXXX. Another number he called from was XXXX. I gave you the short version. If you would like more details, or would like to talk on the phone, my number is XXXX. I am active on XXXX  at XXXX XXXX or on XXXX XXXX  XXXX
Product: Mortgage

I was on a home retention plan because I had fallen behind on my mortgage. For XXXX months we paid {$2500.00} ( automatically deducted ) to pay the current mortgage, plus that payments that we were behind on late fees. 

The last month I requested to pay the {$2500.00} in two payments because my husband had a brief lay off. The represented got permission from her supervisor and then they advised me to pay just one payment for XXXX of {$1300.00} and they would take money out of our escrow account to pay XXXX, which would have satisfied the repayment plan, made us current, and have us ahead by one month as well. They also instructed us to put a stop payment on the {$2500.00} check that was already scheduled to come out. 

Carrington never noted my account about doing a stop payment, so when they were not able to process the check for {$2500.00}, they classified it as NSF and then charged a total of {$3000.00} in fees. We are still current on our mortgage, however that large fee is still on our account. 

Because of this and there reporting our account late even after everything was caught up, has had a negative reporting on our credit report and has made it difficult to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing my credit report through XXXX, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, Transunion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!
Product: Debt collection

On XX/XX/2019 a man came to my door to sell a vacuum cleaner. He stated i had 24 hours to return it if I decided that I didnt want it. I phoned the gentleman that sold me the vacuum ( his name excapes me ) and he stated that he couldnt pick it back up because he was headed to XXXX and wouldn't ba back until late ( at this time we are now 16 hours into having the vacuum ). I reminded him that i only had 24 hours. He told me not to worry that it would not count against me. He came back 48 hours later ( approximately ) with his wife in a mini van to pick it up. He kindly said that he regrets I couldn't keep it as he was in a contest for the employee that gets the most sales, at that he left. Now I am being charged along with interest for this vacuum I never used and do not have. When speaking to a XXXX rep ( financial service for the vaccum ) they said the vacuum was not in the possession and I am responsible for it. Im now on the hook for {$1200.00} ( the original amount ) plus interest for the total sum of {$2200.00} I am highly upset because not only do I not have the vaccum XXXX to be exact, It has had a very negative impact on my credit. The interest continues to collect and is very stressful. XXXX os the original creditor and it has now been put in collections with Monterey Collections Services
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to XXXX, TransUnion, and XXXX along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.
Product: Credit reporting

I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!
Product: Debt collection

I got a voicemail from this collection yesterday. I called them today after googling the company. I spoke to two reps today and theyre claiming XXXX XXXX XXXXXXXX XXXX  my file with an old name to them 10 days ago with two outstanding amounts of {$1700.00} and {$1700.00} from a service date of XX/XX/21 at XXXX XXXX XXXX XXXX They stated me calling the company directly wouldnt help since XXXX already sent my info to them. They claimed theyd need me to send EOB information to show the claims were paid at the following email address or XXXX. 

Phone number ( XXXX ) XXXX XXXXXXXX XXXX  and XXXX XXXX today. 

I called XXXX XXXX XXXX who has billing with XXXX at XXXX today they said I have a {$0.00} balance. I called XXXX XXXX billing they said the same thing {$0.00} owed. I called the medical provider side of Steward Billing all between XXXX and XXXX today they said they have no record of me in their system or any account and that this is a company trying to scam me. They said this happens all the time and they get calls from concerned patients routinely. 

This collections company told me two referenced numbers to reference when sending them an email XXXX and XXXX. 

Knowing I have no outstanding balances and checking with my insurance company as well, this company is scamming innocent citizens who dont need this extra stress and hassle in their lives. 

Please report them immediately.
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 has violated my rights. 15 U.S.C 1681 section 302 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.