23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold in XX/XX/2020 from Ditech to Shellpoint. The new account instructions stated that any pending payments to Ditech would be credited to the Shellpoint account. My next two payments apparently went to Ditech and were NOT forwarded to Shellpoint. I have spoken with Shellpoint repeatedly, and provided bank statements showing that all payments were made on time, and requesting an investigation to trace the payments that were misallocated. While they continue to say they are investigating, they have reported my account as 60-90 days overdue for the past nine months while they " investigate '' in spite of the fact that I continue to pay each month on time. My credit score has dropped almost 200 points for this erroneous reporting, and I received a letter from Shellpoint threatening foreclosure. When I contacted the Point of Contact referenced in that letter, she advised it was a payment dispute, not a foreclosure issue and she could not assist me. I asked to be put in contact with the appropriate person and she only gave me the general corporate email account. I continue to try to reach Shellpoint regularly to learn the status of the investigation and they will not respond. 

Ditech, for their part, apparently updated their online records system and deleted my access to my online account as of the date the note was officially sold. They have no further information they can provide me and continue to tell me to request Shellpoint investigate directly.

Other creditors have cut my limits and closed accounts due to my current credit score, which is based solely on Shellpoint 's misreporting of my account as past due, rather than considering the two misdirected payments independently.
Product: Vehicle loan or lease

I agreed to a joint vehicle loan on XX/XX/XXXX with Wells Fargo. On XX/XX/XXXX, I XXXX   the joint user on this loan. He was responsible for the loan per court order, however, he had the vehicle repossessed. In XX/XX/XXXX, Wells Fargo illegal opened another joint loan with my name. Time after time they have declined to correct this and it continues to show on my credit report. I did not agree or sign any documents for the loam opened in XXXX.
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 those account 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 XXXX ( 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
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXXXXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Kind Regards
Product: Mortgage

I have been trying to refinance my existing mortgage currently with  Specialized Loan Servicing Company  to another lender when I found out previously in  XXXX  I had  two lat e payments back in  XXXX  and   XXXX   XXXX   XXXX    . I have bank statements showing my payments through ACH during the 4 months before and during these periods that show my account was paid on time. I have since had my credit rerun and found they are now reporting a late payment in   XXXX   XXXX    .  XXXX  my report showed it was current and there were only lates from  XXXX  and  XXXX . Now their records are in correct again. I asked the lender to fix this issue and I have gotten nothing but the run around with only worse results. They sent me a payment history with their records and I find it very peculiar that my payment for   XXXX   posted on  XX/XX/XXXX     one da y later to cause a 30 day late. I feel their accounting of has been incorrect that is favoring them as I can not refinance my loan to another lender. Forcing me to be stuck with them as a loan servicing company. My loan was originally serviced by another company called   XXXX   XXXX   XXXX   Since the transfer over the record keeping has not been accurate. My payments a t one p oint were still going to the old company although the transfer had taken place but I was unaware and uninformed. You can see from my record I have never missed mortgage payments in the past. I feel I am not being treated fairly.
Product: Debt collection

COMMONWEALTH FINANCIAL D63764 {$980.00} XX/XX/2019 This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their lack of response and action on my repeated requests to investigate fraudulent inquiries on my credit report. Despite mailing my concerns to Experian over two months ago and following up with a second letter, I have yet to receive any acknowledgment or response from them.

The lack of communication and failure to act on this matter is unfair to me as a consumer. Fraudulent inquiries negatively impact my creditworthiness and financial well-being, and I rely on Experian, as a credit bureau , to protect the integrity of my credit report.

Here is what has happened : 1. Timeline of Events : Over two months ago, I identified fraudulent inquiries on my credit report.

I sent a formal letter to Experian requesting an investigation and removal of these inquiries.

After not receiving a response, I sent a second letter to Experian as a follow-up.

To date, I have not received any communication, confirmation, or update from Experian regarding my complaint or investigation status.

2. My Complaint : Experian has failed to fulfill its obligation to investigate disputed items on my credit report in a timely and transparent manner, as required under the Fair Credit Reporting Act ( FCRA ).

This lack of action is causing unnecessary harm to my credit and peace of mind.

3. What I Am Requesting : I ask the CFPB to ensure that Experian conducts a thorough investigation into the fraudulent inquiries on my credit report.

I request that Experian remove or reverse these fraudulent inquiries immediately if they are found to be invalid.

I also ask that Experian communicates with me throughout the investigation process and provides a written resolution within a reasonable time frame.

As a consumer, I expect transparency, fairness, and prompt resolution of credit reporting disputes. I am requesting your assistance in ensuring that Experian complies with its legal obligations and that my credit report accurately reflects legitimate activity.

Thank you for your time and attention to this matter. I am confident that the CFPB will act to ensure that my rights as a consumer are protected.
Product: Vehicle loan or lease

I was given a what I am to believe a predatory loan by a company who has just been convicted of giving out predatory loans to people who could not afford to pay the bills at the time, and I was unfortunately unable to pay my bills at the time because of XXXX I was given no hardship. Relief I was given no no no information on my loan after I was given the loan, I basically was given three pieces of paper assignment I walked out. I had no knowledge of who about my XXXX with or or anything else, I contacted the alarm company after they came and repossessed the car and they want me to pay them {$5000.00} and I can not pay that after getting contact with them. I try to see which ways we can work it out and theyre basically telling me that its my fault and I need to deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to open any new credit disputes on the credit karma app. I got an email prior to filing this complaint saying that there is a technical glitch. Please resolve this asap or give clear written instructions on how to remedy this error. I can not speak on the phone due to a XXXX but if you have a phone number i will take that too in case i get an assistant. But until then please reply in writing or give me an internal email to assist me. I want to be able to open more credit disputes for duragotory misinformation. Thank you. 
Here is the email i received attached.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$790.00} XXXX XXXX XX/XX/XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my current address is not showing on my XXXX and transunion report,
Product: Checking or savings account

On XX/XX/XXXX, I was victim of a extortion attempt while at work and unfortunately had {$1500.00} dollars stolen from me via my XXXX account with Chase bank. In the afternoon, after I could get home and check on my family, I contacted Chase bank immediately and reported this scam. They were polite and willing to help at the time and explained they will be crediting me the money in XXXX business days to help me cover my mortgage and expenses. On XX/XX/XXXX, I recieved those funds back into my account and was relieved I could pay my bills. Yesterday on XX/XX/XXXX, my debit card was highly into the negatives because Chase took back the funds. I called them immediately and spoke with XXXX i Of their fraud claim specialists and they told me there was nothing they could do because of " inconclusive '' evidence of a scam. I asked them, then why even give the money back if this was the end results, I'm out {$1500.00} AND now owe Chase - {$350.00} because I was attempting to pay my mortgage.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission Under Section 605B of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : XXXX. A copy of my government-issued ID XXXX. A copy of the police report and/or Identity Theft Report. 

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XXXX XXXX is reporting on my credit report XXXX separate accounts with late payments also while reporting I owe {$0.00} and that the accounts are closed.
Product: Consumer Loan

In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mistaken chapter XXXX entry on my Transunion file, I want this to be deleted and there is a letter attached explaining the isssue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I tried to freeze my credit report at Equifax, XXXX, and XXXX. The last two completed without any problems. Equifax did not complete. I had to set up an ID and password on MyEquifax, but I still couldn't do the freeze. I have tied many times to login, and every time I get a message saying " We can't complete your request at this time. Please call Customer Care Team, XXXX ''. It's difficult for me to communicate by phone because of XXXX  XXXX  and XXXX, so I attempted to use the Equifax chat line. When I explained the problem to the chat person, I was told to call MyEquifax support number. When I explained why that wasn't an option, the agent said the chat line could not help with MyEquifax problems. I think this problem could be solved quickly via email, but Equifax doesn't seem to offer that option. Today I requested an Equifax credit report and got it. I found some items that were not correct or shouldn't be on the report. I tried their online dispute procedure and ran into the same dead end. It forced me to login and then gave me the same error message noted above. I tried the chat line and got the same response which was no help.
Product: Debt collection

I submitted 3 disputes with the company they got back within one day saying it is my debt when it is not the address is not even the address where I live nor is the phone number mine they have on file
Product: Debt collection

I have been receiving phone calls from the same debt collector for over 2 months with repetitive phone calls everyday even on the weekends. I receive 3-4 phone calls a day, starting at XXXXXXXX XXXX - XXXX XXXX and I have continued to receive them even after asking the company to please stop calling so much. I dont care that they call its the fact that they call all day long asking the same questions as if the person before didnt note the account. Im so frustrated with this continuous bothersome calling.
Product: Student loan

In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Unauthorized Charges and Unresolved Issue with Bank of America Dear Sir/Madam , I am writing to seek assistance and resolution regarding an ongoing issue with my Bank of America credit card account. On [ mention the date when you ordered the {$4.00} basic subscription service from XXXXXXXX XXXX ], I subscribed to a {$4.00} basic service with XXXX XXXX To my surprise, this subscription was later upgraded to a {$250.00} premiere subscription without my consent or request. 
I immediately contacted Bank of America to report this unauthorized charge and requested assistance in resolving the matter. Unfortunately, instead of helping me, the bank agent I spoke with canceled my credit card without issuing a new one. As a result, all the recurring payments linked to my credit card were left unpaid, causing financial disruptions and inconvenience. 
Following Bank of America 's investigation, I was informed that the unauthorized charge was considered valid. This decision is deeply troubling as the charge was made without my consent and in violation of my original agreement with XXXX XXXX 
My attempts to resolve this issue with Bank of America have been exceedingly frustrating. I have spent considerable time on the phone, often navigating automated systems and being transferred between departments. On XX/XX/2023, I devoted over four hours to this matter, and despite assurances that my case would be reopened, I have seen no progress. I think that Bank of America does this to frustrate customers so much that they just give up. I also think that something needs to be done about it. 
I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that my case warrants a thorough review to ensure that I am not held responsible for unauthorized charges on my account. 
Enclosed with this letter are copies of relevant documents. I am also ready and willing to provide any further information or documentation that may be required to investigate this matter thoroughly. 
I appreciate your prompt attention to this issue and your assistance in resolving it. Please do not hesitate to contact me at XXXX if you need additional information or clarification. I look forward to a resolution that is fair and just. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX