23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, RoundPoint Mortgage Servicing Corporation XXXX XXXX, obtained homeowner 's insurance with XXXX XXXX XXXX because my previous homeowners insurance expired on XX/XX/2021. I was making on-time mortgage payments. Funds in my escrow account should have been applied to my homeowner 's insurance. 

I have made numerous inquiries with RoundPoint Mortgage but I have not able to obtain coverage details or a declaration page. XXXX XXXX XXXX does not recognize the policy number provided by RoundPoint Mortgage. 

I am not able to obtain a refinance loan because the refinance company requires a homeowner 's insurance policy number, coverage details and a declaration page.
Product: Mortgage

I have been corresponding with Quicken loans regarding a request for a refund of {$400.00} that was used for an appraisal on my property to secure a refinance of my mortgage. 
In XXXX of XXXX in the approximate dates of the XXXX and XXXX an appraisal was signed off on my property by a 3rd party company contracted by Quicken loans. Several days after the results of the report were relayed to me, I was questioning the accuracy of value that was stated in the report. Since this information would be crucial in determining a prudent amount to refinance my property for, I thought it might be in my best interest to get another opinion. 
I had three realtors and one investor walk the property. In their opinion the houses value was nowhere near what it had been appraised for. Furthermore I would be lucky to get what I had initially paid for it. The initial purchase price of my home was approximately {$25000.00} less than what the appraiser stated was the current value. 
Within 90 days of the report, I chose to put the house on the market. The realtor started the listing price {$15000.00} below the appraisal on XX/XX/XXXX of XXXX. The overall showings comments were poor stating that the property was priced to high. After conservative price reductions the property was sold in month of XX/XX/XXXX for {$52000.00} less than the appraisal. 
It is understandable that the market can fluctuate. The source of my income is social security with no real potential for an increase. Refinancing this property at that time based on the information in the appraisal in conjunction with what was owed and the actual value would have resulted in a greater financial hardship for me. 
An appraisal is to be used as a tool to aid in making an informed decision based on the expert opinion of the person who has issued it. In my communications with Quicken my funds were not returned to me because they were used to pay for the appraisal. The service was contracted by Quicken therefore I have requested a refund for this service from Quicken.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete credit information on my credit report. I am concerned that you have included the following inaccurate details, and I demand that you verify the information under reasonable procedures to ensure maximum accuracy. Credit reporting agencies are required by law to report only 100 % accurate information. If the following items can not be verified as accurate, they must be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a )
( 1 ) ( A ), you are required to verify the accuracy of the information by providing physical proof of the original signed consumer contract. If no such proof exists, you must delete the account from my credit report immediately. Please send all responses via mail or email in a timely manner. 
I request verification of the following : A copy of the original signed consumer contract with my signature on it. 
Proof that the reported debt is valid and belongs to me. 
Additionally, the following accounts negatively impact my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of the verifiable contract, please remove these accounts from my credit file immediately. 

XXXX ) EQUIFAX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) EXPERIAN * XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) TRANSUNION XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$530.00} ( Last Updated XX/XX/XXXX ) Since this information is inaccurate or unverifiable, I request that these accounts be deleted from my report immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX P.S. XXXX to XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

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 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 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

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : Cherry Technologies XXXX {$2500.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 busin
ess days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit card

Report XXXX From your report I received the information. But it does not explain to me why when big purchases made on my account they normally contact me. It stated that I did not call them. They have record of it. They just not sharing the report. When Ex wife was no longer married to me. She was no longer a spouse. How is the debt enforced when it does not reflect the original account. Especially when I was not notified or received any money from the transactions. There were gains on my part. Just typed paper saying anything they want to say. This should not be enforceable. It does not serve the economy when loop holes who has financial responsibility is passed on.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumers report, this payment is being reported twice within another XXXXXXXX XXXX XXXX XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXXXXXX they said they dont use XXXX XXXX they use XX/XX/XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I sent a wire transfer through Chase branch office in XXXX, IL ( Branch # XXXX ), on XXXX XXXX to a bank in XXXX for the purchase of a home in XXXX. Transaction # XXXX. The current home owners are from XXXX. This contract started in XX/XX/2022. On XXXX XXXX I received email notice from Chase stating the wire transfer was canceled with no details. The money was not returned to me. I made several contacts to the Chase Branch manager XXXX XXXX and XXXX XXXX. XX/XX/XXXX, XXXX XXXX said I needed to get an XXXX license. I provided this license and contract for real estate to XXXX XXXX. The XXXX XXXX  is not being sanctioned. I asked her to resend the wire transfer but it was not done. I also contacted Chase Headquarters, Chase XXXX Department. No one will me help get my {$22000.00} back from this wire transfer. I am scheduled to fly to XXXX today, to close on this real -- -estates on XXXX, XXXX. I already have paid XXXX Euros which is at risk of me losing if this does not close by XXXX XXXX. The real estate contract has an additional XXXX Euros which I was advised not to send another wire transfer at this time.
Product: Credit card or prepaid card

I opened a citi double cash card the beginning of XXXX and still have not received. They keep telling me they will resend a replacement card and still have not received it. They have told me that they have sent it out 3 times but yet still have not gotten the card. I have called to complain but they still havent resolved it. They wont overnight me the card. Its getting absurd at this point. I have never had so much grief for opening a credit card.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Account was set up on autopay on XX/XX/XXXX, set to begin XX/XX/XXXX. They never pulled payment for XX/XX/XXXX or XX/XX/XXXX. I had to call to get it rectified. recorded the calls and posted payments XX/XX/XXXX. This severely impacted my credit report at a time when applying for new credit for a leased vehicle causing the payment to go up {$50.00} per month. I need my credit report fixed.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid a balance to Portfolio Recovery Services to settle the account. 
The agency offered me a 20 % savings to pay the account and agreed to delete it from all three credit bureaus. 
I paid the {$360.00} and the company is now reporting the remainder as a debt and will not delete the account as stated in the agreement. I have attached proof of their offer. I am asking fpr the company to honor their offer as I was under the impression paying the reduced rate would clear the account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Transuion, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was included in the list of potentially stolen information from the Equifax hack revealed in XXXX 2017. They have offered access to additional credit protection services.
Product: Credit reporting or other personal consumer reports

According to XXXX regarding policy number XXXX, the policy was specifically in XXXX XXXX name as the primary account holder with me as an additional driver. XXXX XXXX made several payments in the amount of {$220.00}. They were made on these dates with confirmation numbers. XXXX XXXX for {$50.00}, confirmation XXXX. XX/XX/XXXX, {$50.00}, confirmation XXXX. On XX/XX/XXXX, {$44.00}, confirmation XXXX and XXXX XXXX for {$100.00} Confirmation number XX/XX/XXXX. The complaint with XXXX XXXX XXXX, is that this is not my account but my fathers and enclosed is the confirmation numbers to support. Their number is XXXX. My father and I spoke with them back on XX/XX/XXXX. XXXX is the original Creditor that indicated I owed them nothing and there was nothing in their database but they are reporting it to Equifax. This account has already been disputed and purged from my XXXX and XXXX XXXX reports.
Product: Debt collection

I rented an apartment from XXXX XXXX XXXX in XXXX. Upon moving out in XX/XX/XXXX, XXXX XXXX refunded my security deposit and confirmed there was no balance on my account. 

In XXXX, XXXX XXXX XXXX falsely made up charges on my account and never attempted to contact or notify me of these false charges. 

Fair Collections & Outsourcing contacted me circa XX/XX/XXXX and indicated that they were engaged to collect this alleged debt on behalf of XXXX XXXX XXXX. Throughout XXXX & XX/XX/XXXX, I had multiple conversations and correspondence with Fair Collections and XXXX XXXX explaining that this was a false debt ( either a mistake or nefarious action by XXXX XXXX XXXX ). In conversations, representatives from both Fair Collections and XXXX XXXX agreed to the facts and circumstances of this case and that this was a false debt. 

Despite this, Fair Collections and XXXX XXXX continue to attempt to collect on this false debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is a false representation of the character, amount, or legal status of any debt.
Product: Debt collection

Debt collector called at XXXX. I answered and indicated that this was unacceptable as it was XXXX. The caller said, " Yes, it is XXXX in Washington State. '' At this point I told him that was unacceptable and ended the call. They 've also indicated in the past this is regarding a " possible lawsuit '', but refused to identify the original creditor.
Product: Debt collection

Company called Sequium Asset Solutions keeps calling several times a day on multiple phones I have with different phone numbers each time. They are aggressive with phone calls and harassing each time with different numbers every time they call. Today, XX/XX/2022 I received 6 calls from them. 3 one one phone and 3 on another number. Here are the numbers. 
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX I refinanced a mortgage that was previously mortgaged with Bank of America ( BOA ).  On XXXX my title company received confirmation that BOA had received the funds for payoff. 

The payoff statement that BOA had sent showed a negative balance in the escrow account ( {$910.00} ) due to the fact that BOA had paid out four annual insurance payments right before the account was closed. Two payments have since been returned to BOA. 

I have called multiple times trying to get this straightened out. I have sat on hold for more than 10 hours trying to reach someone. These attempts have resulted in getting multiple people that can't help, get disconnected while they try to transfer me to the correct person, or finally get a message that states " The office is not closed. Please call back during regular business hours. '' On XXXX I spoke to XXXX who told me they had no record of a payoff. I then gave her the XXXX and XXXX for the wire transfer. On XXXX, I did reach XXXX in Georgia who informed me that a check would be mailed by XXXX. On XXXX I spoke to XXXX and XXXX both who couldn't help me and then was disconnected due to the office closing. XXXX I called and spoke to XXXX and got disconnected. XXXX after calling and sitting on hold three separate times was disconnected, I finally reached XXXX in Florida, who transferred for me to XXXX in XXXX, Florida and ultimately was disconnected. XXXX did tell me a check was mailed. As of today ( XXXX ), I have not received a check but did receive an " Escrow Activity Statement '' in the mail that indicates that a refund was issued on XXXX. I tried to call BOA again and after sitting on hold for some time, I finally had to hang up. BOA did send me an " Sorry we missed your call '' email which directed me to log into my account and send a message via their secure messaging BUT I no longer have an account and can not log in since the account is closed. 

Any help you can possibly give me would be greatly appreciated.
Product: Mortgage

I initiated a mortgage refinance application ( Loan # XXXX XXXX with XXXX XXXX ( NMLS # XXXX XXXX from LoanDepot on XX/XX/30. During application, I double-checked with XXXX on if Loan Depot can acknowledge the income from my new job as I only started 2 months ago. XXXX confirmed that it won't be a problem and then I agreed on to proceed with paying appraisal deposit. 3 weeks later, I noticed that my application status was turned into inactive. I didn't receive any communication from XXXX or processor about the change. I had to make 20+ phone calls to get connected to XXXX and learned that underwriter denied the application because of my income history. I asked for full refund of appraisal deposit as I was mislead by the promise as income history will not be an issue. XXXX said he need to talk to his manager about the refund and will get back to me that day. I've never heard anything back from him and he never picked up any phone calls.
Product: Student loan

Ive submitted previous complaints about AidVantage and nothing changes. I received another email this morning about the terms of my loan changing. Now the payment has gone up an extra {$200.00} and the new due date is in XXXX. 

They have done this before where they send an email and then follow that email with another one for a different amount with an earlier due date. 

I also dont understand why I keep getting placed in forbearance when I have my loans set to autopay. 

We need more transparency.