23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This the Mails I have been sending to the Company Roundpoint Mortgage Dear Madam / Sir, ( 1 ) Why is, your Service is so poor?

( 2 ) I have been following up for the past XXXX Months ( 3 ) Sent Mails, called you over the Phone ( 4 ) Are you guys XXXX, do not understand plain English?

( 5 ) Next I will write to the Consumer Financial Protection Bureau ( CFPB ), about your Service, ( 6 ) I have been saying Repeatedly, consider the Additional Payment of {$500.00}, towards Principal Amount, we have been paying Every Month, when you work out the Amortization Statement ( 7 ) This what you gave Start dateXX/XX/2024 Maturity date XXXX/XXXX/2050 ( 8 ) The Above, shows the Wrong Maturity Date. It can not be XXXX/XXXX/2050, It should be before that Date, That is why to make the Loan Period reduce only, we make Additional {$500.00} Towards the Principal, Every Month ( 9 ) Let me ask you this. 
When is my Last Payment of my Monthly Interest Payment? 
For that you have to work out the Amortization Schedule considering {$500.00} Payment, paid Every Month, Towards the Principal ( 10 ) It will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan ( 11 ) You had sent me Amortization Statement, but that did not take into Account, the Deduction of Additional Payment of {$500.00}, towards Principal Amount, and you had taken only the Principal Amount that is calculated as a Part of my Monthly Loan Payment which is Principal and Interest. 

What you provided Amortization Statement, that does not indicate, the Right Last Loan Payment Date. ( Maturity Date ) If that is the Case, I am afraid, somebody will see this and say I have to pay beyond this Date. Suppose I die, and Our Son, has to pay the Loan, he will be paying the Monthly Interest Payment beyond the REAL MATURITY DATE, You became the " Right to collect Payments '', transferred to you by fromXX/XX/XXXX, who were Servicing of the Mortgage Loan, andXX/XX/XXXX used to give the Right Amortization Statement, by default, without writing Any Mail to them i started off my Load with XXXX, they transferred to XXXX, XXXX transferred to XXXX. 
And XXXX transferred to Roundpoint Mortage. 
All these Companies used to send the Amortization Schedule considering the Additional Monthly Payment Towards the Principal, EXCEPT Roundpoint, who is not doing I want this Statement to come from you, so that it will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan Summary of the issue : I want the Amortization Schedule taking into Account {$500.00} paid Towards the Principal Every Month. from Roundpoint Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

The National Consumer Assistance Plan which is a settlement reach between my resident State of Florida Attorney General Office and the 3 Major Credit Bureaus including Equifax states that Debt collectors must provide information about the original creditor and account type when reporting this information to the Credit Reporting Agency or the Credit Reporting Agency can not report or publish the debt on the consumers report.

The Alleged Debt Collection Account Being Challenged Is As Follows ; ** Alleged Debt Collector Name : XXXX XXXX XXXX  ** Alleged Account Number : XXXX Second : The National Consumer Assistance Plan also states Debt Collectors can not report debt that did not arise from a contract or agreement to pay. I've requested the Debt Collector listed on this account provide me a signed contract or agreement that I have with them and it's been over 30 days and I have not received a response from them. 

Third : Re : XXXX guidelines for Metro 2 reporting states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

( See Attached Reporting of Account From Equifax ) There is much information that is missing from the way the alleged debt is being report ; therefore, how can it be deemed as accurate, complete or correct? 

Equifax as a Credit Reporting Agency ( CRA ) as stated by XXXX they are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( XXXX ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

Also, the Fair Credit Reporting Act 15. U.S.C. XXXX  1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file. 

Also, please provide Physical Verification As Proof of This Debt
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I went into TitleMax to get a title loan as I was need of cash. When I went in there were 2 other people getting loans. There was only 1 person working. The person was trying to help all 3 of us at once so we really didnt get individual attention. When it was my turn the representative just said sign here and here. Two signatures in total. He said everything was electronic and skipped all the information regarding the loan I didnt get any information regarding the loan. Days later I decide to take out the remainder of the loan that was offered on to look into the loan and the interest is exorbitant. I tried to repay it but the company blocked my ability to do so in the 48 cancellation window. There is no way I could afford this loan but I dont have the money to pay back the loan. As I used the funds for rent and back bills. I should been given disclosures and interest rate sheet. Instead the agent in a haste skipped over everything to get me out. I filed a complaint with the Consumer Financial Protect Bureau, they instructed me to reach out to the director of operation which told me to reach out to legal. I reached out legal and have not received a response. I cant afford this and the company is making me go in circles. The company keeps closing the complaints but fails to have a discussion. You breathed the contract when you blocked me from making a payment for 48 hours during the 48 hours cancellation period. You said that if I reach out to district manager we could work something out and when I contacted the office they referred to legal. Legal failed to reply.
Product: Debt collection

someone use my information and created this bill and this is fraud and identity theft and I want it removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputed negative items on my credit report and didn't get a response back
Product: Vehicle loan or lease

The first problem is they pressured me and rushed me into signing the contract and they ran my credit through multiple people when i told them not to then when they found somebody they charged me a down payment and after i sign contract i notice my interest rate was super high they didnt explain none of that to me at all they was just more worried bout the down payment cash and me signing. The second problem is the car loan people which is Exeter Finance LLC the car beggining price on XXXX XXXX XXXX  when i got the vehicle it was {$17000.00} and since that date ive made 14 payments that added to {$6300.00} and its XX/XX/XXXX and the remaining amount is about the same as when i first purchased the vehicle which is only {$17000.00} i want to know why it aint went down none and my monthly payments is {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've went online many times for over a year on Equifax, XXXX and XXXX disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.
Product: Debt collection

Professional adjmnt co has an account on my credit that is not mine/inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; CXXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX 
Balance : {$0.00} ; XXXX  XXXX XXXX. Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX J # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX  XXXX XXXX of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing incorrect and negative information being reported on my credit report by XXXX XXXX XXXX XXXX XXXX regarding an account that I previously held with them. 

- **Account Number : ** XXXX - XXXX Status : ** Closed Charge Off - **Payment Status : ** Past Due - {$620.00} - **Balance Owed : ** {$620.00} - **Payment Amount : ** {$0.00} - **Credit Limit : ** {$450.00} **What happened : ** I had a credit card with XXXX XXXX XXXX XXXX XXXX, which I responsibly managed and eventually decided to close. I have never missed a payment on this account. However, after closing the account, a balance of {$620.00} was erroneously added. For the past four years, I have been contacting the company repeatedly, requesting that they update my credit report to reflect that the account was paid as agreed and never late. Despite my efforts, I have been repeatedly transferred to different departments, and the issue remains unresolved.
Product: Mortgage

I am with SN Servicing Mortgage Company and they are absolutely horrible. I am having severe financial problems and I am XXXX and XXXX XXXX XXXX. I told them I am selling my house because of it and all of a sudden they raised my payment by over {$300.00} a month. I called and asked why and I was told it was because of taxes. I called XXXX XXXX Tax Assessor Office and they said that it was not true so I called again and this time I was told that they did not have my Master Association Policy and it had been sent to them in XXXX of this year and now they say they dont have it. I sent it again and they say its not good enough. I tried to make a payment two days ago and the person I have to talk to XXXX XXXX and she refused to accept it. She hung up on me because I was upset and I was told she needed to contact the loan owner XXXX and yet she did not do it. I called yet again and spoke with her and she admitted she never did it so I asked her to please contact them and ask if I can pay. I can not believe she refused to take money from me three times now. I can not pay all of it now. Also, the amount she said I owe now is over {$5900.00} and my mortgage payment before I told them I was selling was {$1200.00} and I am behind three months so for three months ( before I told them I was selling ) should be {$3800.00} so they have added over {$2000.00} to the balance and I asked for the breakdown on how they arrived at that amount and have not gotten anything from them explaining that extra {$2000.00}. I can not believe what is happening. I have perfect credit and am going to pay them the amount that I truly owe but I dont know how to deal with them anymore. They have made me in tears and I am not okay right now, physically, emotionally or anything else and I need help badly to be able to work this out.
Product: Checking or savings account

On XX/XX/XXXX I made a {$250.00} Deposit to Cover incoming transactions. The transaction had not cleared my account, despite having the money available in my account TD Bank charged med {$100.00} in Overdraft fees. TD Bank has manipulated there system to increase NSF Fees on their customers.
Product: Credit reporting

Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.
Product: Debt collection

I went to XXXX to get service they said I already had an account I never use XXXX and I have a newly reporting collection from the company. Someone signed up with a similar name or used my info.
Product: Credit reporting or other personal consumer reports

XXXX. 
I discovered that I was affected by the Equifax data breach after entering my name and Social Security number into their verification tool. Although I was unaware of the breach at the time, I noticed unusual activity on my credit profile, which led me to discover I was a XXXX XXXX XXXX XXXX. 

I experienced multiple fraudulent attempts on my credit accounts, which included unauthorized applications for credit and unexplained inquiries. At the time, I reported this activity to all three credit bureaus ( Equifax, XXXX, and XXXX ), but I was unaware that the Equifax data breach may have caused this issue. 

Unfortunately, I missed the claim deadlines for the Equifax XXXX XXXX XXXX, as I was unaware of the settlement and its connection to my case until recently. I still want to ensure that my concerns are addressed and be considered for any future or ongoing settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion deducted 80 points on my credit report when I paid on some of my accounts and brought down the balances on these accounts, instead of my score going up they brought it down. while on the same date my XXXX  score went up when I lowered my balances there is 95 point  difference between the two my trans is XXXX and my XXXX is XXXX, I have one negative account that they said is the reason but it has been on there for 12 months
Product: Mortgage

On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years. 
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1. 

The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with. 
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.
Product: Debt collection

I received a call on  XXXX   XXXX ,   XXXX   early in the day. Call was from  North Star Location Services. Spoke quickly and left a telephone number to call. Voice said this is a call from a Debt Collector. Did not know this company and never did business with the company. Company 's  telephone number is  XXXX .     Message was left on my voice mail. I did not respond.
Product: Checking or savings account

Today I went to the TD Bank and tried to solve the problem with my business checking account and I called my banker XXXX XXXX, he was not on the desk and I had to run to the branch office in XXXX XXXX. New York. 

After I spoke to the Sales and Service Manager, XXXX XXXX XXXX, she re-opened my checking account and I deposited {$500.00} and paid {$95.00} for the penalty of lack of funds. 

The issue was caused by MrXXXX XXXX XXXX XXXX lack of knowledge to open the business checking account for me. 

1. XXXX XXXX didn't set up the security code for me when I opened my business bank account when I noticed the overdraft fees, I tried to call the customer service and I misunderstood the questions and provided my ATM pin code, therefore they locked my account for two weeks that ruined my online business, I can not accept online payments. 

2. XXXX XXXX is very hard to reach, he alway not on his desk, when I called him, he is not on the branch, when I go to the branch trying to find him, he is not there, I don't know if he only works as a part-time, I've never been help from him. 

3. XXXX XXXX never answered my phone and solve my problems, he always wants me to come to his branch office and talk to the manager, and when I made my trip to there, he always not there. 

4. When my account was locked, XXXX XXXX didn't know how to retrieve my account and made me lost another two weeks just trying to retrieve my account. 

5. The customer service phone numbers are very hard to get through, and XXXX XXXX didn't tell me to set up a phone pin, whenever I call the customer service phone numbers, it's taking me at least 40 minutes to talk to the right person who can handle my issues. 

6. The design of the mobile app is terrible, I can't see my transactions clearly and I don't know I was short of fund and I've been charged for more than {$300.00} just for overdraft and it was only {$30.00} shortage of amount in the bank and I need to pay {$300.00} to retrieve my account. 

TD Bank Branch Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Name of the staff XXXX XXXX
Product: Debt collection

I have been repeatedly contacted by Hollis Cobb Associates for a medical bill from XXXX XXXX in XXXX, GA that was paid in XXXX of XXXX The creditor sent notice to Hollis Cobb Associates that the debt was paid on XX/XX/2022. I have received weekly calls and deceiving messages ever since. I have repeatedly told them the debt was not valid. I can't stand that these people know my personal information and it was given to them by a medical professional over {$60.00}. Unbelievable.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a credit builder loan of {$990.00} on XXXX XX/XX/year> and cleared the loan on XXXX XX/XX/year> and another one of {$440.00} XX/XX/XXXX and I successfully paid all payments but they refused to payout as agreed asking for additional documents which I have submitted severally
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to Equifax and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX )  XXXX XXXX XXXX ( XXXX XXXX ) INQUIRIES ARE THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX