23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. 
I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX
Product: Mortgage

Hello- I'd like to submit a formal complaint against XXXX XXXX XXXX and against First Choice Loan Services/ XXXX XXXX ( mortgage broker ). We closed on our house in XX/XX/XXXX, and the mortgage broker quoted our total payment including escrow impounds of like $ XXXX-ish. In XX/XX/XXXX, our escrow analysis jumped up a little to $ XXXX/ month. But then, in XX/XX/XXXX it jumped up almost $ XXXX/ month because according to XXXX we were short {$4900.00} in back property taxes, which put us in a financial bind with XXXX little kids in day care ( now XXXX because we just had another baby in XXXX, praise God! : ) We called XXXX and XXXX ( he never returned my call ) and XXXX helped us finance the deficiency over 24 months so that brought our payment down to {$2200.00} ish from {$2500.00} ( where it was going ), which is where it is now almost $ XXXX/month more that what we were paying. 

I understand that taxes and insurance are imperative, but I'd like to log a formal complaint against both XXXX and First Choice that they should have caught this at the onset of the mortgage when we closed in XX/XX/XXXX versus almost 2 years later in XX/XX/XXXX. 

I'd like to request that they investigate to see what went wrong and I'd like some sort of compensation to help pay off this crazy deficiency to bring this payment back down to normalcy, or at least to where it should be, which should be around $ XXXX/ month. 

Please see my attachments and please be sure to let these entities know that they need to do a better job with their internal audits with analyzing their consumers ' escrow analysis. 

XXXX seemed to be a veteran in the mortgage business as our mortgage broker, and I speculate that he may have artificially deflated the final payment number on the Closing Disclosure in order to entice us to be wowed by his " prowess '' and not to shop with anyone else. Don't get me wrong, he's a good guy- God bless him, but he seemed to know way too much about the mortgage business to make such an egregious, rookie blunder. Hence, my theory is that he intentionally misled us. 

And as far as XXXX is concerned, MERS audits XXXX XXXX and they should be audited about why they didn't catch this at the onset of the mortgage let alone during the first escrow analysis in XX/XX/XXXX. 

I'd like some justice and compensation for this matter as it has created a financial conundrum for my family 's budget especially now since we have XXXX kiddos in day care, which costs around $ XXXX/ month. 

Thank you and God bless, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not heard back from LexisNexis regarding a credit report dispute, and it has now been 60 days. I opened a dispute with LexisNexis on XX/XX/2018. The case number that I have refers to this date in the number. I have phoned LexisNexis 3 times in the past month, each time speaking to someone who tells me that the dispute is still in process and that perhaps staff made an error on the date. I have been told twice over the phone that the dispute has been escalated due to LexisNexis error on the date of filing the dispute. One representative ( XXXX ) told me that when I called the first time to check on it after 30 days, the date was changed to that date, XX/XX/2018. 

About the dispute itself : LexisNexis is reporting incorrect information to XXXX on my personal credit report regarding a bankruptcy. An update that appears in court records is not reflected on the record included on the XXXX report. XXXX has verified that it received the information from LexisNexis. 

The bankruptcy case was a discharged Chapter XXXX, not a Chapter XXXX as reported. I disputed the Chapter number of the bankruptcy that was reported.1 ) I am requesting a correction to the Chapter number 2 ) As it has been 7 years since filing, I am requesting this bankruptcy be removed from reporting by LexisNexis .

I am attaching the XXXX dispute, and two US Bankruptcy court documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Money transfer, virtual currency, or money service

PayPal discontinued my acct without reason.
Product: Debt collection

In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. JPMC could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted XXXX, Equifax and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX, 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

On XX/XX/XXXX I emailed XXXX XXXX from Better Mortgage regarding the discrepancy between the funds I was to receive upon closing of {$840.00} ( per XXXX XXXX 's email on XX/XX/XXXX ) and the amount due on the day of closing of {$81.00}. XXXX XXXX had informed me via email that " The portal account is not always updated with the latest figures so you would want to go by what you see in closing documents and what we have mentioned which you would be set to receive the additional funds. If you did give notary a check, that will be sent back to you or you can also cancel it. ". By the time I received his email, the check was already processing and could not place a stop payment. The loan amount also changed on the day of closing from {$140000.00} to {$140000.00}. On XX/XX/XXXX, the day before funding, I was referred to XXXX XXXX to straighten out this issue. The contact I was given at XXXX  XXXX did not respond to two of my emails, so I reached back out to XXXX XXXX who got me in contact with XXXX XXXX at XXXX XXXX, who emailed me today ( XX/XX/XXXX ) that they were unable to help me and to contact Better Mortgage. XXXX XXXX from Better Mortgage has yet to provide me with an answer as to the discrepancy of the loan other than " I believe the discrepancy may have been an additional item being paid off from your tradelines so I just want to confirm if that is the case first between title and our team. ", on XX/XX/XXXX. I feel that this violates the Truth in Lending Act by misrepresenting the loan amount and funding details.
Product: Debt collection

Pollack & Rosen , P.A . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Subject : Debt dispute and request for verification of collector 's license Dear Sir or Madam, I am writing in response to the correspondence I received, dated XX/XX/XXXX, indicating that you are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX, with reference number XXXX. According to the letter, the debt allegedly originates from a XXXX XXXX  account linked to a XXXXXXXX XXXX XXXX credit card, with an outstanding balance of {$2500.00}. 
After reviewing this information, I have serious concerns regarding the validity of this claim and am therefore disputing the debt for the following reasons : Lack of Collection License in Florida : According to my research, XXXX XXXX XXXX XXXX XXXX are not properly licensed to operate as debt collection agencies in the state of Florida, in compliance with state debt collection laws. Under Chapter XXXX of the Florida Consumer Collection Practices Act ( FCCPA ), any collection agency must be registered and authorized to operate in this state. I request evidence proving that both your company and XXXX XXXX XXXX XXXX XXXX are licensed to collect debts in Florida. 
Proof of Debt Ownership : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of this debt, including verification that the debt is indeed mine and that the amount owed is accurate. I demand that you provide detailed documentation to validate the legitimacy of this debt, as well as records supporting the transfer of the debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Relevant Case Law : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ruled that debt collection agencies must strictly adhere to both state and federal laws, including those related to obtaining state licenses. Given that I have not found evidence that XXXX XXXX XXXX XXXX XXXX holds a valid license in Florida, your attempt to collect this debt XXXX constitute a violation of both the FCCPA and the FDCPA. 
I am attaching evidence obtained from the official XXXX website, where the legitimacy and current status of the involved entities ' licenses can be verified. This resource is used to ensure that both the lender and other parties comply with regulatory requirements established by law, thus ensuring transparency and security in all financial transactions. Additionally, I refer to the Florida Consumer Collection Practices Act ( XXXX ), Chapter XXXX of the Florida Statutes, which regulates the activities of debt XXXX and protects consumers from unfair collection practices, requiring all communications with the consumer to be conducted honestly and without harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. I found that under section 605b ( a ) Equifax and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : XXXX  and XXXX XXXX Date Opened : XX/XX/2016 Balance : XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

In 2013, my wife and I, both with stable jobs, no debt, and substantial liquid assets, applied for a mortgage loan with Navy Federal Credit Union. Despite our strong financial standing, we were only approved for {$250000.00}, significantly less than our request of around {$400000.00}. This outcome was disheartening and shook our confidence as hardworking individuals. Our incomes were sufficient to afford a {$5000.00} monthly mortgage payment, which was evident from our pay stubs submitted to the bank. 

Frustrated, we began searching for homes in less desired neighborhoods, yet struggled to find suitable options within our approved loan amount. Many properties we encountered required extensive and costly repairs. Eventually, we stumbled upon a new development with homes priced around {$400000.00}. With some reluctance, we spoke to the property manager and learned that a {$5000.00} deposit was needed to reserve a lot for construction. I promptly paid the deposit and we applied for a loan for the house. 

To our surprise, we were approved for a loan exceeding {$400000.00}. We moved into this house and have been living there since. Interestingly, about nine months later, we refinanced our mortgage through Navy Federal Credit Union and were approved without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and XXXX blocked Bank of America and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.
Product: Mortgage

Beginning sometime around XX/XX/XXXX, my home conventional mortgage was acquired by LoanCare. On or about XX/XX/XXXX, I began making an extra mortgage payment of {$120.00}, to be applied to the principal. Records show LoanCare received regular EFT payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At no time were these payments applied against my principal. I began calling every month after theXX/XX/XXXX payment to inquire as to why not. I have spoken to several customer service representatives, and/or customer service supervisors. Each time I was assured the error would be corrected, and my funds were then credited against my principal. The issue is : If I do n't call, the money sits in an account, not applied to anything. Also, I do n't get interest reduction on the loan. 
Secondly, I do not want ( for financial burden ) to change my automatic monthly payment, and there is no way of making automatic additional payments, except by doing it one month at a time on their website : Myloancare.com. They admit to me there is a problem with cashiering not recognizing the additional payment when it comes in, but they do nothing to fix the problem. 
Third issue : I have made additional mortgage payment to other lending institutions with no problem. This is an issue that is unique to LoanCare and can not be allowed to continue. 

I NEED YOUR HELP!!