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

My account with the FREEDOM MORTGAGE and i was never late! I have had exceptional payment history with this company 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 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.

This company 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 have a Mortgage with Shellpoint Mortgage Servicing, owned by XXXX XXXX XXXX and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if XXXX fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop XXXX Points making it Extremely Difficult for me to Refinance My Mtg and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XX/XX/21. 
I would sincerely appreciate if someone could take a look at this Co Unethical Business Practices towards their Customers, the Consumer. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and XXXX XXXX XXXX. 
This action taken by the Mtg Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Product: Credit card or prepaid card

Never received my bill called and they admitted they never mailed it! Now by the time I get it it will be late because they never sent it! Thinking of canceling these incompetent ones. This is the first month of this new credit card company cause XXXX the company changed who they work with and I am stuck with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}
Product: Debt collection

I received a notice on XX/XX/XXXX from Phoenix Fianancial of a balance billing amount of {$110.00} from XXXX XXXX from XX/XX/XXXX. I sent letter dated XX/XX/XXXX disputing to Phoenix Financial. Their notice states if write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. As of today XX/XX/XXXX, have not received anything but today derogatory activity from Phoenix Financial showed up on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Act : XXXX Phone : XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Account : XXXX Phone : XXXX XXXX - XXXX Address : XXXX XXXX Ave. XXXX XXXX XXXX MN XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District oXXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

On XX/XX/year> the company XXXX XXXX opened a credit card on my behalf which was an error. They originally told me they were giving me a first responder discount and that I needed to put in my social security number to verify and after I had gotten home the manger of the store called me to tell me that they accidentally opened a credit card under my name. I do not want this credit card and would like to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XX/XX/XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XX/XX/XXXX to XX/XX/XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
Product: Credit reporting

Experian had removed XXXX, XXXX, XXXX, XXXX XXXX, XXXX off my credit report and they have recently added it back to my credit report I have never authorized this or gave my consent to have these account added back to credit report. I want Experian to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX in accordance with basel XXXX accord and XXXX. I would also need a copy of your Tax Registration certificate! 

Once a item is removed it can not be added back please follow the rules fdcpa. I want these accounts removed as they had been once before. I had sent in my police report of identity theft. I want this taken care of asap.
Product: Bank account or service

I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX I signed loan documents to refinance my VA home loan. The broker, Barrett Financial Group, L.L.C ( " Barrett '' ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, told me that my new mortgage payment, included escrow payment, would be approximately {$2500.00}. Six ( 6 ) months later, in XX/XX/XXXX, my mortgage payment jumped to {$3400.00} which is {$920.00} more than my approximated mortgage payment at the time of closing AND {$410.00} more than my mortgage payment prior to this refinancing which reduced my interest rate! I reached out to Barrett and was told that this increase was due to several factors : 1 ) Barrett underfunded my escrow account at closing stating that XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, had incorrectly calculated my taxes by not including my MUD ( Municipal Utility District ) which was {$2600.00} 2 ) Barrett also told me that due to a 'miscommunication ' the mortgage broker XXXX XXXX XXXX , XXXX . ( " XXXX " ) paid my home owners insurance of {$4300.00} even though my insurance was paid during the refinancing process. 3 ) Barrett also informed me that there was a slight increase in property tax of {$270.00}. 4 ) These 'discrepancies ' total {$7100.00} which means that my escrow payment should have increased by {$590.00} ( {$7100.00} / 12 months ) but my escrow payment has jumped {$920.00} ; a difference of $ XXXX month which means I will pay {$3900.00} MORE in escrow payments than what Barrett is telling me the deficit is. I did receive a refund from my home owners insurance company of {$4300.00} since it was paid twice. I kept this money and I have been using it to make my new very large monthly mortgage payment but that will be exhausted XX/XX/XXXX. Barrett financial told me over the phone that " you ( I ) owe this money '' and that there was nothing they or I could except that maybe I could hire an attorney to see what legal options I might have. Barrett told me in an email that " ... as legal options you would have to speak to your attorney ... '' -- I do not have money to engage an attorney to fight this! There are several things I think are of concern here. First, Barrett nor XXXX XXXX nor XXXX seem to be willing to take any responsibility for their part in this debacle. Second, the amount of the escrow 'discrepancies ' should have only increased my escrow payment by {$590.00} but it has jumped {$920.00}. Third, aren't mortgage brokers, title companies and mortgage servicers supposed to carry errors and omissions insurance to pay for financial errors they caused? Forth, this is an outrageous increase, and potentially unsustainable, and all I have received is a weak apology from Barrett and their suggestion I retain an attorney. Please HELP! I believe Barrett should be held financially accountable for a whopping 37 % INCREASE in my mortgage payment.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021 an international money wire was initiated by our XXXX XXXX XXXX ' family from XXXX, XXXX in the amount of {$200000.00} ( USD ). This wire goes through Wells Fargo as the intermediary bank prior to be released to my personal bank, XXXX XXXX  XXXX XXXX. 

The wire was never received into my account so I talked to my bank beginning on XX/XX/XXXX to investigate and then spoke to a manager at a local Wells Fargo branch to see what we can do. Both have said on this visit and numerous visits and conversations with management since that there is nothing they can do. The XXXX XXXX  initiated a wire trace and confirmed with us on XXXX XXXX that the wire had been received by Wells Fargo Bank in XXXX XXXX. This money has still never been released to my account with XXXX XXXX  XXXX XXXX  5 weeks later. 

The bank in XXXX has provided numerous documentation of the wire confirmation, communications they have sent via XXXX to Wells Fargo to cancel the wire since the money is not being released, etc. with no success. 

I have talked with executives at XXXX XXXX  which say there is nothing they can do and when they send a XXXX message to Wells Fargo they say nothing is pending. I have attempted to contact executives and the wire dept at Wells Fargo with no assistance either. Neither party is willing to help and this family and ourselves are out over {$2000.00}.
Product: Money transfer, virtual currency, or money service

I paid my XXXX XXXXXXXX XXXX {$1000.00} for rent each month. I used the XXXX  XXXX XXXX website to pay her via Zelle. In XX/XX/2024, the building 's management informed me she had not paid her rent since XX/XX/2024, meaning she was holding onto my money and refusing to pay the rent. She was eventually taken to court for non-payment of rent, and the landlord is still trying to evict her. 

As a result of this, I was forced out of the apartment and had to seek a new place to live. XXXX never refunded me my money. 

I had paid her the months of XXXX, XXXX, and XXXX before learning she held onto my money : a total of {$3000.00} lost. 

I contacted both XXXX  XXXX XXXX and Zelle to try and recoup my money she held onto. They refused to give me my money back, though they apparently cancelled her Zelle account. Her bank account is with XXXX XXXX. 

I did not know CFPB existed and am filing this complaint now only because I heard of it via XXXX XXXX 's social media.
Product: Debt collection

I am a victim of identity theft and breaking and entering. Supporting documents including a FTC report and police report have been provided to all credit bureaus and no action has been taken as of yet. I have inaccuracies on my report, and I would like to file a formal complaint to have them removed immediately. 

Incorrect name reporting : XXXX XXXX XXXX inaccuracies on my report INCORRECT COLLECTION ASSOC CREDIT SERVICES ( XXXX XXXX XXXX XXXX ) {$560.00} XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) {$1000.00} XXXX XX/XX/XXXX inaccurate inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a customer service representative XXXX Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 Stated that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter from Credit Collection Services claiming that I owed a debt to them from the original creditor of XXXX XXXX. The file number is : ( XXXX ) in the amount of {$670.00}. This is simply yet another example in a long line of fraudulent debt apparently obtained in my name. Within the last year, I have become a victim of identity theft to which someone has used some of my personal information, one of which my social, to obtain credit and then let if default. I am refuses this as my debt as I have not had an account with XXXX nor with any company alike. 

Regards, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, XXXX XXXX
Product: Debt collection

XXXX  account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not
Product: Student loan

My student loans with Navient have been charging increased interest while decreasing my principal payment. This is despite the hiatus for interest that has been identified by the federal government. I have continued to pay an increase amount every month. I am attaching a copy of the account history provided by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two closed fraudulent accounts on my credit report. ive tried reaching out to XXXX, XXXX, and XXXX and nothing has been done. this is very frustrating because i am a XXXX XXXX trying to get personal loans in order to provide for myself during the school year and keep getting denied for everything that i apply for. the two accounts is from bank of america for XXXX dollars which was opened XX/XX/XXXX and the only reason that i didnt find out sooner is because my parents ran my credit for me and i just started to look into it. also there is another fraudulent account with XXXX XXXX XXXX XXXX XXXX which is closed as well for XXXX opened on XX/XX/XXXX of XXXX. I have been trying to resolve these issues for the past 3 weeks and nothing has yet to change. so i went on XXXX and researched for hours and found cfpb hoping that you guys are a legit company and can help me with my ongoing issues.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and 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