23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a payment plan to catch up on mortgage from XX/XX/XXXX to XX/XX/XXXX. I made all payments as scheduled. ShellPoint Mortgage Servicing then sent statement on XX/XX/XXXX that identified a late payment needed to bring account current. I called ShellPoint to find out what the issue was, I had all my Credit Union statements showing each payment processed, where I processed every payment on ShellPoint Mortgage 's web site payment system. My CSR, XXXX XXXX, researched the issue and said it was corrected. On my XX/XX/XXXX statement an overdue payment was still showing. I tried several times to contact ShellPoint and they are not returning calls or emails I have sent.

I will continue to try and get a response to my issue. I need assistance from CFPB to help facilitate my issue being resolved. In addition, after reviewing many of my statements from ShellPoint Mortgage Servicing, since servicing was transferred from XXXX  XXXX XXXX, I see several transactions I do not understand and are confusing. If possible, can someone help in auditing my mortgage servicing to identify possible additional fraudulent servicing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on XXXX and the account was removed on Equifax. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with XXXX XXXX. I have never been late on payments for this account ( XXXX XXXX ) Acct # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). I  strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Product: Mortgage

I began the process of lowering the interest rate ( Interest Rate Reduction Loan/IRRL ) on this account in the XXXX XXXX timeframe. The IRRL is a rate reduction and term program that is simple with no appraisal and no income required. They had me fill out the required income, pull a hard copy of my credit score, and had me fill out incorrect paperwork. I did the " closing '' signed all the documents ; however, because of the pandemic forbearance, Mr. Cooper nullified the agreement after the closing, after the fact. In XXXX I continuously asked for the interest to be lowered, they denied it several times. Finally, in XXXX of XXXX, Mr. Cooper advised that I had to fill out a " loan modification '' to get the interest rate lowered. I paid Mr. Cooper {$58000.00} in XX/XX/XXXX. I asked again and applied for a lowering of the interest rate. I filled out paperwork, again, and was denied again because they said the VA would not allow me to do this. 

I paid over {$35000.00}. in interest for XXXX. I went to another mortgage company that successfully lowered my interest rate and bought out the loan from Mr. Cooper. Mr. Cooper 's failure to grant me the lower interest rate meant that I paid too much money that I did not need to. They falsely claimed I was not qualified when I was. They took so much money from me when my husband was sick ( and consequently died ) when a pandemic was devastating us health-wise and financially. 

Mr. Cooper denied my requests for 2 years stating that I was NOT qualified when I was. 

The fact that another mortgage company easily processed my IRRL and did not have an issue with it or the VA demonstrated that Mr. Cooper was making a lot of money off of me and knew it could be done, but they chose to falsely claim that the VA denied it or that my credit was not sufficient, which they did a hard pull on my credit that they did NOT need to. They were deceptive in their practices by false claims.
Product: Vehicle loan or lease

In XXXX of 2019 ford changed their online payment center and didn't notify me. This caused my payment to be submitted late due to me traveling abroad. I was never late prior to after and would not have been late if ford had not done with or notified me I would have to set up my payment in the new account. I would like this 30 day mark removed from my credit report
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXX/XX/XXXXXX/XX/year>
Product: Checking or savings account

On XXXX I was defrauded by a confidence game scammer that 'hired " me for employment by impersonating an HR administrator for a legitimate company. I was coerced into sending payment for home office equipment via XXXX that I never received, under the pretense that a reimbursement check I was simultaneously sent would cover my upfront expenses. Upon depositing the check, the fraudster stopped the check payment and refused to send the equipment. I then reported the scam ( w/comprehensive detail and offered to provide police reports and supporting documentation ) to Chase on XXXX. At the time, they refused to provide an XXXX on how long the fraud investigation would take or when I would be contacted by an investigator. They also wouldn't take my documentation. I called back on XXXX for an update to learn they denied the claim on the same day ( XXXX ) without communicating anything to me. Highly unethical and not above board. I then asked for a re review and on XXXX, I faxed in a police report, FBI internet crimes report and email exchanges that detailed a clear product not received confidence game swindle. I AGAIN had to call Chase back for an update on XXXX, it was at this time they verbally admitted this was a scam but it was my problem for using XXXX, so they will not assist me and to contact the payer. Contact a fraud network who already refused to give me my money or equipment I paid for? XXXX. I also asked for the customer agent name or ID number along with formal documentation explaining how this transaction isn't covered by Chase fraud protection, and they refused to provide both! Very disappointed in Chase for the appalling way I was treated when I was clearly taken advantage of and defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, AFFIRM INC, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe Exparian now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports.

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence.

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # 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: Debt collection

Dear team, Recently I made payment through Google pay worth of XXXX bucks that amount was not reflect in any where I want immediately refund that amount please look in to this ASAP. 
Thank you Thanks & Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 
The following account is not mine : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00}, Original Creditor : XXXX  ) Please remove it from my credit report. 
XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00}, Original Creditor : XXXX  ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor : XXXX XXXX  XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ) Please remove it from my credit report. 
XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Please remove it from my credit report. 
XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor XXXX XXXX XXXX ) Please remove it from my credit report.
Product: Mortgage

Nationstar is in direct violation of the XXXX Guidelines and Massachusetts Statute XXXX, unfair and deceptive Practices Act. Nationstar refuses to accept a Quit-Claim-Deed duly recorded in the Massachusetts Registry of Deeds.Furthermore N-Star is in violation of the XXXX Guidelines requiring servircers to XXXX evaluate a borrower for XXXX prior to offering an in-house modification.N-Star has approved me for multiple in-house unsolicited, no documentation Trial Payment Plans that actually INCREASED my payment.I have never received and the servicers have never generated a HAMP Denial Letter which is in direct violation of XXXX guidelines The potential financial harm to me due to N-Stars blatant violations of XXXX Guidelines, is in excess of {$380000.00} over the life of the loan.
Product: Mortgage

Fay Servicing received an insurance renewal from my insurance company XXXX XXXX XXXX ) and never paid the renewal premium. My insurance lapsed and I was charged a {$1200.00} " escrow advance '' fee for temporary homeowners insurance that I should never of had to pay if Fay would have paid my renewal premium. 

On my insurance company 's website portal ( XXXX ), they show that a renewal notice was sent out to Fay servicing to pay prior to the expiration date. When I contacted Fay Servicing at the beginning of XXXX about this issue, they said that they would look into it and that they " upgraded their computer systems and had glitches ''. They told me that there may be no refund for the interim insurance. Nobody from Fay has ever gotten back to me regarding this yet and I've called several times to clear this up. Their phone systems are convoluted and confusing, and their associates are less than helpful and never follow up.

I believe this is a scam that Fay is doing in order to get their " Escrow Advance '' payments. As in, they're letting some of these insurance premiums lapse by not paying them and then the consumer has to pay for inflated interim insurance, they received two notices of payment and still didn't pay ... for me it was {$1200.00} for 3 months of insurance until I was able to get everything squared away. 

What makes things worse is it's very difficult to get off of their escrow services because now my account is in the negative and they want me to pay to get it back to zero, even though it should actually be positive. Somebody please help me, I feel that I'm being scammed here.

I should be owed a refund of {$1200.00} because Fay forgot to pay my insurance company and I should be able to get off of escrow. Thank you.
Product: Mortgage

On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to all XXXX credit bureaus. Equifax never responded even after the 30 days. XXXX sent a letter stating for me to call and verify that it was me who sent the letter and not a XXXX party company. I did that on XX/XX/year>. The lady who I spoke with told me that I would have to call back Monday and verify again because the department that I needed to verify with weren't in office. I feel that I have been Mishandled and treated unfairly due to the fact that its a XXXX hotline. Nowhere on the website did it say anything about being closed. XXXX asked for me to verify my Identity as well. I haven't heard anything back after sending in my proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sounding the alarm on XXXX, Experian, and XXXX! This is the case because XXXX continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against XXXX for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate XXXX and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against XXXX for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with XXXX to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to XXXX, but Experian JUST ADDED the fraudulent 30 days to my Experian report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XXXX of XXXX. My ex husband & I were joint on a CareCredit Credit Card that was taken out in XXXX of XXXX for said ex husbands dental bills. 
In the divorce decree, it states that the respondent ( ex husband ) shall pay the stated debts to the Care Credit Card. The XXXX shall hold the XXXX harmless from any obligation to make payments on the same. The ex husband charged off the account with an amount of {$2600.00} in XXXX of XXXX & it is affecting my credit & ability to obtain any type of loan. 
I have disputed with the credit bureaus to have this removed & they are still saying I am responsible for the debt. I have contacted Synchrony Bank & they have not done anything to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I payed them literally over a year ago and they still have my account as delinquent.
Product: Money transfer, virtual currency, or money service

Hi XXXX, You've successfully logged in to your Paxful account XXXX ( XXXX ). Here are the login details : Time XX/XX/year> at XXXX XXXX XXXX User Agent XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) XXXX ( XXXX, like XXXX ) XXXX XXXX XXXX Location California, XXXX XXXX ( XXXX : XXXX : XXXX XXXX XXXX ) If this was you, you can safely ignore this email.

If this wasn't you, someone may be using your account maliciously. Consider changing your password and enabling two-factor authentication under your account settings if you haven't already done so.

You can also quickly mark your account as compromised.

If you need further help, contact our support team. 
divider Thanks, Paxful This as far as I gone with They wont help me at all
Product: Debt collection

I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.