23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My Tranunion score was showing a XXXX on XX/XX/XXXX. On XX/XX/XXXX I received 3 alerts from XXXX XXXX, XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX from XXXX  that monitors all 3 credit bureau.. One of my TransUnion alert was an increase of XXXX on a XXXX XXXX credit card, another alert said I was added to an authorized user with a XXXX credit limit, and the other said I had a TranUnion decrease on my credit score.. After reviewing my TransUnion credit report I noticed a drop from XXXX to XXXX so I then looked at my XXXX  and XXXX reports and both of them was increased by a few points for the XXXX increased credit card and the XXXX credit card authorization on my account.. XX/XX/XXXX I called XXXX and ask them why did my fall scrore drop dramatically instead of going up because everything that was posted on XX/XX/XXXX was positive and the representative couldve give me an answe ... I been working trying to get my credit scrore decent enough to where I wouldnt be in bondage and have to suffer an high interest rate considering the credit bureaus determine pretty much our futures bye having control of our credit scores.. if these credit bureaus can keep our scores low enough to where they can profit than they will.. I worked hard to get my score at XXXX and every month I pay my bills on time and my score slowing increases by 2-3 points every month until now.. this is the second time Tranunion has deceived me from my credit score raising.. and it wasnt nothing I could do about it but work twice as hard to get it back up and then it happens again ...
Product: Checking or savings account

Bank Of America/XXXX XXXX Representatives told me that if I have a combined amount of {$50000.00} in my BofA and XXXX Accounts, I would be able to do 20 monthly trades for free, and after 3 months, I would receive a {$200.00} cash reward. I put {$60000.00} to my BofA account and transferred {$10000.00} to XXXX, and did not touch the money since then. 

Upon calling after 4 months, they said that it will take time to receive the cash reward, and upon calling after 6 months they said that at least {$20000.00} of the combined amount should have been at XXXX XXXX, and because of that I did not receive it. They told me that they would fix it and get back to me asap, but they did not. It has been another 3 months now. 

I think this was a mis-representation/misinformation on their side and they did not provide accurate/clear information to customers. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was referred to this company through XXXX XXXX which I took to be a reputable company because of the referral. I was skeptical because I have a chapter XXXX filed 3 years ago and sub par credit. 

I was granted a XXXX dollar loan which I expected to be a high interest loan. My complaint is that on top of the accrued daily interest they charge me they added XXXX dollars to the balance from day one. 

In looking at their terms more closely their rates and fees are not fair and are considered predatory in giving loans to someone who frankly cant afford to pay it off and I feel that is their game which ends up in collections where the balance due will balloon with fees.
Product: Debt collection

I keep getting harassing phone calls on my home phone XXXX XXXX and XXXX my home phone is unlisted and im surprise that they got my number my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my social XXXX i keep getting calls repeatedly from american express legal department their phone number is XXXX XXXX XXXX they keep calling me saying that i owe rhem money i told them that dont own anything and they have the wrong XXXX XXXX i have a common name .when i tried to blook my number they still call me on my phone also my home was was unlisted and they still got my number illegally and still harrass me different times of the day calling me from different telephone numbers. One on my kids gots nervous and stated to cry my XXXX years old daughter they ask her personal questions about me. I told them several times they have wrong person. Please tell them to stop calling me.
Product: Debt collection

The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.
Product: Money transfer, virtual currency, or money service

I'm trying to transfer my assets out of Robinhood because Robinhood is defrauding me. Robinhood declined the ACAT transfer because they indicated a margin call would have been incurred. Their app indicates that it is false. ( However it may be true because they are defrauding me partially by showing me false information regarding margin level within the app, as I have indicated in my previous complaints.

Robinhood is holding my assets hostage in their fraudulent platform... Likely because a transfer will expose their fraudulent accounting...
Product: Debt collection

XXXX XXXX says they purchased a charged off debt of {$3700.00} from Continental Finance. Im not familiar with this bank. I also discharged bankruptcy in XX/XX/2013 but this creditor isnt listed. This also has never appeared on any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use the free XXXX XXXX account to monitor activity in my credit. A few months back my Equifax score dropped as a result of a new credit inquiry from XXXX XXXX XXXX services. I looked it up and found that it was from a XXXX, Tx. store or service. I live in XXXX, Texas which is approximately ten hours away from XXXX. I called the service but kept getting the run around from every person I spoke to. Defeated, I finally decided to contest it through the Equifax website. I was later notified by Equifax that the inquiry was true and would remain on my report. At no time have I ever been an XXXX XXXX XXXX customer in the past 15 years or so. My cell service is and has been with XXXX XXXX forever. The date of the inquiry into my credit is dated as XX/XX/2019. I did not request an inquiry into my credit by XXXX XXXX XXXX or any of its affiliates.
Product: Mortgage

I owned my condo for 14 years without ever a late payment. I became ill, lost my longtime job with XXXX, and had to stay with family out of state due to physical limitations. XXXX and their debt firm Codilis & Stawiarsky ( XXXX, TX ) foreclosed on me over {$1500.00} and I was n't aware until after the sale on XX/XX/XXXX. Codilis is very unethical and unprofessional, ignoring most of my communication and dodging payment of the excess proceeds from the sale. They also have not paid off the mortgage, running up the payoff to XXXX. XXXX states they have no control over what Codilis does or does n't do. <P/>I require medical care, my XXXX hearing has finally been set after 26 months of waiting, and I need this money for groceries and medication. The laws give these companies freedom to take advantage of taxpayers ( yes, being single, I have paid a lot of taxes over the years ) when they should be held to the same short timelines as the borrowers.
Product: Mortgage

I called my mortgage provider ( XXXX ) on two separate occasions to obtain my final payoff balance on my mortgage and in both cases, I was asked for the most recent appraisal and they would not be able to provide my final payoff balance without the appraisal. Both Customer Service Representatives stated that since I have a 'shared appreciation loan ', I would owe more than my statement balance. 

I have attached a copy of my most recent mortgage statement and in no place on this statement does it indicate any additional money is owed other than my outstanding balance. 

Upon review of my loan documents also attached, executed on XXXX several sections indicate that the 'shared appreciation balance ' would be forgiven after 3 years. On page 2 section 2 as well as in the examples provided. As I understand the verbiage, it seems that there is no shared equity due since I've never been late on my mortgage payments and it's been over 10 years. 

I received advice from two separate Mortgage Brokers in reference to this scenario that have been working in this industry for over 30 years - neither broker has ever seen a mortgage written like this and believe this is a case of mortgage fraud. They both interpret the documents as I did, that I should only be responsible for the balance due on my mortgage statement. They are the ones that suggest I file a formal complaint against the company for resolution. 

My initial loan was with Ocwen, then was re-financed through PHH Mortgage with this shared appreciation loan because I almost lost the home to foreclosure ( a subsidiary of Ocwen ) and then was re-sold again to XXXX ( A division of PHH Mortgage ). 

I would really appreciate your help in resolving this issue as I would like to get a payoff statement as soon as possible. The verbiage seems vague, but seems The shared equity should be forgiven after the 3 years from loan execution. 

I really appreciate your help.
Product: Mortgage

My existing mortgage was sold from XXXX to Rounpoint Mortgage LLC in XX/XX/2024. I was notified by letter in XX/XX/2024 that my fixed rate mortgage payment would increase by $ XXXX due to a shortage in the escrow. My taxes and insurance both increased in the previous year, which left a shortage in my escrow account of {$230.00}. They are requiring me to pay {$2000.00}, and can not explain to me why I have to pay so much more than what the shortage actually is. They said they are sending me a copy of my escrow payments from the previous year and I have not received anything. 
I have read many, many reviews of this company. It is universally regarded as a scam company. Many customers who did not choose them as their mortgage provider, report several instances of Roundpoint taking money from their escrow and not paying their insurance. When trying to contact a representative from Roundpoint, they are met with the same response I received, mainly nothing. Roundpoint routinely says they will get back to them on the matter and nothing comes of it. 
A quick view of the company on XXXX shows fraudulent handling of money, zero customer service. 
I am only one month into dealing with this company, but I am already having problems with their zero customer service, and I would like a hand fixing this before I get to the part where they start mishandling my money. 
In closing, I don't know where they came up with {$2000.00}, and they can't/wo n't explain where they came up with the number
Product: Mortgage

Shellpoint sent a response stating that their errors naming the wrong mortgage company and sending me notification on XX/XX/XXXX that they are my new loan servicing company starting XX/XX/XXXX as confusing. I never received their letter. 

Shellpoint reported to the credit bureaus I failed to make the XX/XX/XXXX payment. That disclosure ruined my credit. I paid the XX/XX/XXXX payment to XXXX XXXX as instructed by previous loan servicing " Community loan service '' according to their mysterious letter of XX/XX/XXXX Shellpoint letter I was to pay Shellpoint without any proof they were my new loan servicing company starting XX/XX/XXXX. Shellpoint said they were assuming the loan from XXXX. All my loan notifications and instructions were from Community loan service NOT XXXX. 

Shellpoint response to their errors said we apologize for any confusion this may have caused. I don't accept their apology I need my credit restored and return my mortgage payments returned. 

Shellpoint recent loss a class action law suit XXXX borrowers. 
I attached the law firms letter. I do not trust Shellpoint to resolve this matter. Hopefully XXXX XXXX  will respond to my complaint
Product: Debt collection

XX/XX/XXXX XXXX. I live in XXXX, XXXX and am covered by our medicare program through Medicare/Medicade known as the XXXX XXXX XXXX. Although I have to go to an in network general practice doctor in the event I suffer a medical emergency ( I.E. Being taken XXXX from my hotel room to XXXX XXXX Hospital where I XXXX ) my XXXX XXXX Plan provider ( XXXX for short ) pays XXXX % of all the costs, regardless of where this hospital is located. In this case it was XXXX XXXX in XXXX, XXXX. 
I did not even know my name or if I had a girlfriend or really anything else for that matter for another few days. When my family found out what had happened they traveled immediately from XXXX to XXXX and kind of help me piece everything together. When I discharged from the hospital 6 days later I went to the business office and explained to them that I had medicare/medicaid through XXXX Family Care and thats who they should bill. They said they would and that was the last I heard of it until last Friday, XXXX XXXX, XXXX XXXX contacted me to tell me my credit score had fallen XXXX points. Apparently the hospital had failed to bill XXXX XXXX and had placed the bill for collection. I tried to get a copy of the bill mailed to me, the hospital refused to do so saying I needed to come in person. Trying to explain I live in XXXX, XXXX and so that was not possible-apparently the address they had on file was the XXXX XXXX where the ambulance picked me up from. Security had held onto my wallet with the rest of my luggage so the day I was released I litterally had to use loner clothes from the lost and found to travel from the hospital to the Hotel. The next morning though, my girlfriend took me back to the hospital so that I could give them my insurance information. 
I tried reasoning with the collections people telling them this was a billing error on there end! People like me that have medicare/medicade have XXXX copays for everything! The Dr. is free, my meds are free I do n't even have a copay and emergency medicine is FREE! I gave them my member number and the phone/fax of Family Care on XXXX XXXX, after speaking with them they say they where never billed! They assured me that if billed they XXXX would have been paid long ago. Meanwhile, I am suffering terribly from this collection destroying my credit. I no longer qualify for car loan i was prequalified for, my credit card companies will raise my interest rates, etc etc. 
This is XXXX not billing my insurance company and then placing me in collection. I ca n't get a copy of my bill unless I fly down there myself to retrieve it in person. That 's a XXXX mile round trip! I offered to send them my driver 's license, ss card, utility bill and they would still would not mail my bill. As of today, XXXX/XXXX/XXXX they have not faxed nor contacted my insurance company. The collection company is reporting a bill that that they have been made aware of is a billing error on their end, not me refusing to pay and yet they continue to report this information to the credit bureaus. It 's just wrong.
Product: Debt collection

I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA
Product: Checking or savings account

On XX/XX/2022 I wrote a personal check for {$12000.00} on my Chase bank account to " XXXX XXXX XXXX XXXX XXXX '' for accounting services. I mailed the check at a USPS branch. 

The check was stolen from the mail and did not reach XXXX XXXX XXXX XXXX XXXX. 
I checked my bank statement and it showed that the check was altered with XXXX XXXX XXXX XXXX XXXX being erased and a XXXX XXXX written in. 
The alteration is plainly visible as the writing does not match the rest of the check. 

The check was fraudulently cashed at a XXXX XXXX XXXX branch subsequently. 
I made a claim with Chase bank to recover the funds and they in turn put a claim in to XXXX  XXXX XXXX. I have made countless inquiries to Chase Bank with no luck. Chase bank says that XXXX  XXXX XXXX will not respond to this claim. Now it seems that Chase has given up on this claim. 

XXXX  XXXX XXXX should have made an enquiry on the authenticity of this forged check and contacted Chase or myself to determine it authenticity. They were negligent in not doing so and need to reimburse me for the lost funds. 

I filed a police report ( enclosed ) XXXX XXXX XXXX XXXX XXXX have verified in a letter that they did not receive the funds. ( enclosed ) Letters from Chase bank ( enclosed ) I looks like chase bank have given up on me. 

I tried contacting XXXX  XXXX XXXX but without a file number I can get nowhere. Chase Bank will not give me a contact or a claim number at XXXX  XXXX XXXX so I can follow up on this claim. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thanks
Product: Checking or savings account

On XX/XX/2022, XXXX XXXX  initiated ( pursuant to my request ) a redemption of two Series I bonds in the amounts of {$12000.00} and {$12000.00}, with my Capital One Bank savings account as the payment destination. Although two weeks have passed, the proceeds have not been deposited into my Capital One savings account. I have tried repeatedly to contact XXXX XXXX  both by email and phone. The email responses say that because of the volume of mail, I may not receive a response for XXXX weeks. When I've called XXXX  XXXX ( at least 5 times ), I've gotten a voice message that says that due to volume, they can not take any more calls. I was able to obtain online via my XXXX  XXXX account the trace numbers for both transactions and provided them to Capital One on Thursday XX/XX/XXXX. Today ( XX/XX/XXXX ), I received an email response from Capitol One saying that the trace numbers yielded no results. Afterwards, I called Capitol One Customer Service and Fraud Departments and was told that they could do nothing more -- that I would have to contact XXXX XXXX. I explained that it's impossible to reach XXXX  XXXX and asked that Capitol One contact XXXX XXXX. Capitol One staff told me that they could not contact XXXX  XXXX and that they would not investigate the transaction as a fraud because there has been no activity in my account. In other words, Capitol One is saying that because the deposits are missing, this can't be a fraud. This is incomprehensible. I'd appreciate any steps you could take to track down the redemption proceeds. As it now stands, either XXXX  XXXX or Capitol One has lost {$23000.00} that belongs to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Good XXXX, To whom it may concern, I am a victim of identity theft and I have had a few accounts closed in my name due to this. I am writing for the third time in regards to my chase account in which I've seen, in person, a forged signature and payments being made in my name that I have not made. I am also seeing some withdrawals that I have not made as well.
Product: Debt collection

In XXXX I borrowed XXXX grand from a pvt.lender in XXXX XXXX. I came ou with XXXX grand.I had to pay child support arrears. in XXXX I married and my husband and I were calling loans for his truck as security.citifinancial of XXXX XXXX said come over neither XXXX of us had a job. He was looking to go to XXXX which eventually he did. In the process of the loan for the truck title we spoke to XXXX XXXX about my deed for my free and clear property which I owned. They said they would pay off the balance of XXXX XXXX and add it then eventually gave the truck title back. Now the man I married took all the money and left XXXX to XXXX. I told CitiFinancial he left and still I struggled for 8 yrs paying it. they never contacted my husband who was the primary borrower me second but it was my deed. I tried modifying XXXX for the short time of three months. then the interest went way up the payments were really high again. I kept falling off course. My daughter let them take on a few occasions a payment out of her account. XXXX time they took XXXX payments every XXXX weeks out of her account without her permission. They never tried to make me out a new contract. This account has XXXX or XXXX different account numbers. They say it started in XXXX when it was XXXX. I have all the office sent papers. my debt after 9 yrs is almost XXXX when it was maybe XXXX at the beginning. I have XXXX sons XXXX and XXXX my XXXX yr old mother we are in foreclosure, They never contacted me for auction or tried to wait for me to get the settlement offer of XXXX these people are under predatory lending and work with citi the red umbrella and are not under Citibank . They are misrepresenting the lending status as a mortgage my house was mine they did not loan me the money to buy it. they paid a realtor to come to my house and leave by XXXX XXXX XXXX. I need help
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I sent a letter regarding inaccurate and unknown things in my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of as well as being ignored in my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report since it has been over 45 days, this should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, which I obtained from your agency. Under **15 U.S.C. 1681 ( o ) **, I am entitled to dispute inaccuracies and request that you promptly investigate the matter. 

The specific item ( s ) I am disputing is/are listed below : **Disputed Information : ** - **Account Name : ** [ Insert name of creditor or entity reporting ] - **Account Number : ** [ Insert account number ] - **Description of the Discrepancy : ** [ Explain the issue e.g., account reported as late when it was paid on time, account marked as open when it was closed, etc. ] I have enclosed relevant documentation that supports my dispute, including [ e.g., payment records, account statements, correspondence with the creditor, etc. ], which show that the information reported is inaccurate or incomplete. 

As required by law, I request that you investigate this matter and correct or remove the inaccurate information from my credit report within 30 days. I also request that you notify me of the results of your investigation. 

Please confirm receipt of this dispute and provide me with updates on the status of the investigation. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution.