23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2023 we applied for a principal curtailment and loan recast and were approved. At this time a customer service representative told us on the phone that once we paid the additional amount on the principal, this would trigger the final modification agreement to be sent to us via mail or secure email. Once signed, this agreement would allow the new payment schedule to take effect. We pointed out that " just send us the money '' did not sound like a reasonable process, but we were assured that this was how it was done. 

( We have had multiple problems accessing " secure emails '' throughout the months our mortgage has been with UWM. These sometimes do not arrive, sometimes arrive in the " messaging center '' on the website. We have also received secure emails that contain links that dont open. [ This resulted in the application process for our recast being delayed multiple times between XXXX and XX/XX/2023. ] ) In XX/XX/2023 we wired {$53000.00} to UWM for principal curtailment. Over the three months that this money has been with UWM and not in our high-yield savings account, this has cost us about {$200.00} per month in interest while serving no benefit to us. 

The forms to complete the final recast agreement never arrived. 

On XX/XX/XXXX we called to ask about the status of the payment, loan, and final forms needed for our new payment schedule to take effect. We were told that the final agreement would be sent to us via secure email. 

On XX/XX/XXXX we called again because these documents had never arrived. We were insistent that the problem had dragged on far too long and needed to be resolved. We pointed out to the representative that our payment to UWM was {$600.00} too high every month that there was a delay. We were assured we would receive our forms in the mail by XXXX. 

We have still never seen the modification agreement we need to sign to allow our recast to take effect. 

On the same call in XX/XX/2023 we asked to remove the PMI from our loan since our principal amount was now over 20 %. The representative on the phone strongly discouraged us, saying we had to wait a year after the principal amount reached 20 %, but that we could apply if we wanted. Our application from that day was approved and the PMI removed. This and multiple other phone conversations with UWM representatives have given us the impression that their agents are under instructions to discourage people from taking action to pay lower payments or fewer fees.

The failures of communication on the part of UWM have gone beyond gross negligence, to intentional incompetence, but now are creeping toward the realm of fraud.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit scorXXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX XXXX, XXXX account number 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: Mortgage

As of XX/XX/year>, I owe a reinstatement balance of {$93000.00} on my account with Foreclosure sale date set on XX/XX/year>. In an effort to bring my account current, I applied for assistance through the XXXX XXXX XXXX XXXX, which can provide up to {$80000.00} in assistance for past-due payments. However, to qualify for this program, my total balance must be below {$80000.00}. 

To achieve this, I contacted Shellpoint to request permission to make a partial payment that would reduce my total balance below the {$80000.00} threshold. Unfortunately, my request was declined, and I was informed that Shellpoint would only accept a lump sum payment of {$93000.00}. 

Furthermore, when the XXXX XXXX XXXX XXXX requested a full reinstatement balance, Shellpoint provided a significantly different amount of {$100000.00}. When I pressed for a correct quote, Shellpoint provided yet another amount of {$99000.00}, valid through XX/XX/year>. It is deeply concerning that within a span of just five days, from XX/XX/year>, to XX/XX/year>, my reinstatement balance jumped from {$93000.00} to {$99000.00}. 

I believe that Shellpoint is intentionally hindering my efforts to bring my account current by refusing to accept a partial payment and by providing inconsistent and inflated reinstatement balances. This conduct suggests an unwillingness to work with me in good faith and a desire to push my property into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second request, and the answer to XXXX and transunions request is, I XXXX XXXX did send this and the prior report. I m a victim of identity theft, please review the information that i sent you before an now
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and other unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I got a letter in the mail from stenger & stenger regarding a debt that they say i owe XXXX but i do not recongize this company and they are reporting on my credit report without providing me the original purchase agreement. or any type of contract bearing my signature that i owe this money. They are in violation of the fair debt collection act by reporting this unverified account on my credit report. I ask that i am provided the purchase agreement by this company i refuse to pay a debt to someone i do not owe. XXXX and XXXX and XXXX are also reporting this on my credit report also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing wrongly reported to the credit bureaus a late payment in XX/XX/2021. This account was in autopay and I am including proof of payment for XX/XX/2021. I called them on XX/XX/XXXX and they asked me to send proof of payment to a provided email ( also attached ), which I did. This action has damaged my credit and prevented me from refinance my current home. Also attached is a letter from Shellpoint stating that they received my inquiry, but the late payment has not been removed from my credit. It cost me over 50 points on my credit and unable to refi or purchase another property. The worst part is that this account is already paid in full but the damage of my credit remains.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

So early warning services LLC is the company that is truly the credit company. It tells all the big banks wether they can trust the info being given. So what happens when it has all the info wrong. Or thought it was part of the XXXX XXXX scandal. When in actuality XXXX  is XXXX XXXX is XXXX  XXXX XXXX is XXXX & XXXX is XXXX XXXX XXXX. So what happens if you found out in XXXX  XXXX XXXX had your social wrong. And the XXXX  system that helped locate the fraudulent opened accounts under XXXX XXXX. Saw my wrong info. Because even though we found it in XXXX. XXXX couldnt delete it. The people at the top and the bottom at XXXX XXXX. Have no idea about the company that actually controls them. No one does usually. But the account ROUTING number XXXX  has for me. That XXXX XXXX doesnt. Because its a reporting company. The disconnect begins. When all the info is right. But then you remember who owns XXXX. Who owns the Mobile app for XXXX XXXX. When you check XXXX who owns that info. XXXX. then if you know that these banks own XXXX  then it makes sense that they can get away sharing Our info. Since XXXX XXXX is part owner of it. Then you start to realize how does the gov get their info and identity markers. Well take it from someone that has had no access to their own credit ever. Why? Who knows. But XXXX  does. A little obsecurw company in Arizona. That surprisingly makes a lot of money off the gov. Hmmm. Please stop insulting my intelligence. The person reading this. I get it. You may not even know. So forward me to someone that does. I have the info/evidence. Anytime I show it to someone I end up in the highest offices. So someone please explain to me. Whos routing number this is. And why is it register to a location. Ive never been in. Until this week. Causing my banks to literally get charges filed on me continuously. For giving my real info. For the love of XXXX I hope this is an isolated incident. So its going to take more than a level one or two level access clearance worker. This should go to the top to XXXX XXXX XXXX XXXX XXXX. Even though he left. So they say. I will start to dispute the charges. But Ill do it through here. Since XXXX  still uses an archaic system. That requires an old pc to use their secure message server. Much like XXXX. Oh wait LOL. XXXX  is XXXX. So what did the fed reserve use to send out stimulus checks? But you are just a little reporting agency. 18 years of my life. Its time someone tells me whats going on. I wont go away. Please stop with the run around. 

This is the routing number I need answers on. XXXX XXXX has no idea. XXXX  has no idea. All I know is its not my first bank account. So why is it what you guys have Routing XXXX Not to mention it says my checks are XXXX XXXX California.. Nope. Def not. 

As you can see in the pics. The account XXXX  thinks is closed. Yet its not. Yes its negative but Im through paying fees to my bank because they have no idea a company they own that truly Controls everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file right away : XXXX XXXX XXXX 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
Product: Credit card or prepaid card

My father, an XXXX-year old senior citizen was the victim of an unscrupulous contractor. He purchased items for a home improvement project and hired this contractor to complete the work. However, instead of delivering the items to my father 's residence for the project he loaded them up in his truck and drove away. I tried to locate the contractor to no avail. I filed a police report with the XXXX XXXX, California Police Department, ( XXXX, ext XXXX, Police Report Number XXXX and notified my credit card company of the theft. My credit card company gave me the run around for a few days and finally referred my claim to their insurance carrier, under their 'theft ' protection. I provided them with the police report and receipt for the stolen items. The insurance carrier acknowledged receipt of the items, but then sent an email requesting the SAME ITEMS. I complied with their second request, and again, they acknowledged receipt of the items, but requested the SAME ITEMS AGAIN. I complied with this request as well as a following request, for a total of four ( 4 ) times. I provided the same documents to the carrier on four ( 4 ) separate occasions. But the carrier has not make a decision on my claim and keeps sending out the same request for the police report and receipt of the items stolen, when in fact they already have this information in their possession. I believe they are acting in bad faith and have no intention of paying this legitimate claim and have been stringing me along for the past three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit card or prepaid card

XXXX XX/XX/2020 i called BOA cash rewards i told them I made a typo error and sent them {$4000.00}. instead of a minium payment of {$110.00}. talked to an associate who told me it would take 2-5 days for {$3900.00} to be placed back in my checking account, called back on the XXXX and was told it was processed and should be in my account on the XXXX. didnt receive it. contact the credit card company and was told it would take 2 months from XX/XX/XXXX for my money to be place back in my account. I have outstanding debt because i accidentally hit the wrong key on my computer. thats money i need to pay bills with. went to my bank bank of america and was told i would have to wait. had a account with them since XXXX will be cloing my account tomorrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2300.00} XXXX XXXX XXXX- {$450.00XXXX XXXX XXXX XXXX XXXX  {$260.00} These account I had no knowledge of and were open fraudulently during the pandemic. Ive tried for years to get them removed. My lawyer couldnt even get any info of where these came from.
Product: Money transfer, virtual currency, or money service

Met woman on XXXX ( via her XXXX profile ), we got a long great and she was going to give me access to 'exclusive content ' for a fee of {$75.00}. Told to send to family and friends ( which is NOT covered by paypal disputes ) to the following e-mail address : XXXX. She also told me her name was XXXX, when her name on the account was XXXX XXXX '. Once payment was sent, she stopped responding to my messages. 

If anyone out there is going to pay for any type of service like this if the temptation is that strong, make sure it's NOT through family and friends, and make sure it's through your bank account with maybe .05 cents in paypal, that way you could stop payment with your bank ( that costs {$30.00} by thew way ) and have some piece of mind. But, you have to stop that payment ASAP. So basically, be as cautious as possible when dealing with these people and don't agree to their 'terms ', because it's basically pay me so I can cut you off. 

I told paypal to flag this account, so that the name/social security number/bank account associated with this e-mail address won't be able to do this again and hopefully suffer the consequences of her actions. That's pretty much it.
Product: Credit card or prepaid card

I received my monthly statement in XXXX, 2022 for XXXX transactions. Immediately I saw a transaction for XXXX dated XX/XX/2022 for {$300.00}. 

I proceeded to call XXXX and spoke to a lady, I advised her that I did not approve this charge and she advised me to call my credit card company. 

I called Capitol One and explained the situation and was advised " not to worry '', they would remove the charge and investigate. 

The charge was removed and placed back on my card in XXXX, 2022. I again called Capitol One and was advised that the last advisor processed it wrong and again " not to worry '', this will be removed and this time they cancelled my card and sent me a new one. 

This transaction was added again onto my credit card and I proceeded to call Capitol One and was advised that I had to pay with no explanation. I asked again to please produce the documents or calls that I approved this. The lady was very rude and placed me on hold and never came back. After waiting for an hour on hold I disconnected the call. I have never had a credit card company respond or treat me this way. This experience has taken so much of my time with zero results. 

I've asked several times to PLEASE send me the documents that I approved this, they can't because I did not approve this transaction. I am a business owner and this has been a nightmare. I would pay for something that I approved but this I did not. 

I also asked them if I should make a police report and they advised that it was not needed. 

Thank you for your time and consideration in this matter. 

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

Lexis Nexis sent to my employer a list of " 61 judgement & Liens '' When I disputed this they sent me a list of my previous home address '. 
The list of 61 judgments & liens were all not accurate, satisfied, duplicates or not mine. 
They also sent this to a prospective new employer as a pre hire check.
Product: Checking or savings account

I have a checking account and savings account with Bank of America. Starting XXXX and continuing into XXXX, I was conned out of {$1600.00} in an elaborate gift card scam. Bank of America could see large sums coming out of my checking account for XXXX gift cards and could see these purchases were draining the {$600.00} I had in my checking account and then causing the account to overdraft. Instead of its fraud unit getting alerted to the situation, and instead of letting my checking count overdraw and start rejecting purchases due to insufficient funds, without my knowledge or consent, Bank of America transferred the {$1000.00} I had in my savings account, out of that account and into my checking account where, once there, the con artists defrauded me out of that {$1000.00}. If Bank of America had NOT made that transfer, I would have only lost {$600.00} instead of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Incorrect Reporting by Equifax Issue Type : Credit Report - Incorrect Information on Credit Report Details : I am filing this complaint against Equifax for reporting inaccurate information on my credit report. Attached is a screenshot of the erroneous reporting that reflects discrepancies in payment history. Specifically : Equifax has reported Charge Offs ( CO ) for XXXX, despite there being no activity during this period. 

For XXXX, the report shows 60-day to 120-day late payments inaccurately. 

There is no valid basis for this information, as my account has been in good standing since [ add applicable date if known ]. 


These inaccuracies have caused harm to my credit score, negatively impacting my ability to secure financing and other credit opportunities. 

Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to ensure that all information reported is accurate, complete, and verifiable. Their failure to do so violates federal regulations. 

Request : 1. Investigate and remove the inaccurate entries immediately.

2. Provide written confirmation of the changes to my credit report.

3. Ensure all future reporting complies with FCRA requirements.

New CFPB Fine Reference : Recently, the CFPB fined Equifax for similar issues regarding inaccurate credit reporting. This fine underscores Equifax 's ongoing failure to comply with regulations. I request that the CFPB take action to hold Equifax accountable for their repeated violations. 

Attached Evidence : I have attached a screenshot of my Equifax credit report showing the inaccurate information. Please use this as part of your investigation. 

Thank you for addressing this matter promptly. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX NY XXXX ] Contact Information : [ XXXX XXXX XXXX XXXX