23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/XXXX, I have been making Principal Only payments in addition to the regular monthly payments on my mortgage loan. On several occasions, I've contacted Shellpoint to apply the Principal Only payments as I have requested. However, ever monthly, they continuously take part of my Principal Only payment, apply it the regular monthly payment, use a portion of that money as interest. Then a few weeks when I make the regular payment when it due, they correct the applied payment to the Principal Only Payment. This practice has been ongoing and frustrating considering I've made several calls asking Shellpoint to stop this practice. Please see the attached payment history from XX/XX/XXXX through XX/XX/XXXX. My payments are due on the first of the month. I have my bank account set on autopay to have the regular payments generated a few days prior to the payment being owed. I also have an autopay for the Principal Only payments that is generated a fews day apart from the regular payment. On XX/XX/XXXX, I contacted Shellpoint customer service about the most recent Principal Only payment that again was applied incorrectly as requested. I was told that the correction would be made and the system would be updated within a few days.
Product: Debt collection

My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

was out of work do to the stay at hm order do to cov19 contacted phh mortgage told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020
Product: Debt collection

XX/XX/XXXX, I terminated my lease 2 months early with XXXX XXXX in XXXX, TX. I followed all of the rules in the contracts, and addendum, regarding early termination. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they were trying to collect a debt of {$1300.00}. XXXX was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these and the early termination addendum asking them to correct the outstanding amount and validate the debt again. We went back and forth for two months. I had little success and their verbal response was to get a lawyer. 

Because the leasing company and debt collection agency were rude, not compliant and not providing an adequate response, I filed a complaint to the XXXX on XXXX. 

On XX/XX/XXXX I received a derogatory remark for {$1300.00} ( my balance was still being disputed with XXXX and National Credit Services ). 

On XXXX XXXX, I received a letter from XXXX that my balance was corrected to {$200.00} When I contacted XXXX and XXXX on XX/XX/XXXX regarding the derogatory remark on my credit, they would not remove the remark from my credit report. Instead, they would show the balance as paid. National Credit Services and XXXX realty did not provide me with XXXX from the date the debt was validated to pay may balance before affecting my credit. The debt was not truly validated until XXXX which should allow me to pay the debt off by XX/XX/XXXX. 

When contacting XXXX and NCS regarding the above, they lack professionalism by hanging up with me, bullying me by talking over or saying they will disconnect the call if I 'm not calling to make a payment, and telling me that there is no way for this to be removed from my credit report. I have made many efforts and walked them through the process but have been unsuccessful with finding a resolution.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report i've notice a fraudulent XXXX XXXX account on my credit report. Please remove this fraudulent account, it is causing me hardship and its unfair.
Product: Checking or savings account

on XX/XX/XXXX2025 I deposit my money on the right side of XXXX XXXX chase atm machine, it was at night time the XXXX receipt was at XXXXXXXX XXXX XXXXile the XXXX receipt was at XXXXXXXX XXXX I do the transaction at XXXX XXXX XXXX XXXXXXXX XXXX IN. I put the money more than XXXX sheets. I thought the rest of my money would come back but the XXXX XXXX machine take it all. I put all {$20.00} bill total of {$3000.00}. then I realized on total XXXX transaction I just get {$1.00} per receipt which is I only got {$2400.00} from total of my money then I called the customer service directly they then connected me to department of claim, they did giving back my money that lose of {$520.00} to my account then later on this week at monday XX/XX/XXXX I just got the letter that they will removing {$300.00} from my bank account because they only found {$220.00} which is doesnt make any sense because I count it twice that my money amount is {$3000.00}. and this is was the first time i put the money more than the limited amount. then I called them on tuesday XX/XX/XXXX telling them that I just got the letter and shock because theyre about to take my money {$300.00}. I called department of claim again they told me theres nothing they can do and the only thing that could help me is going to the bank. as of today on thursday XX/XX/XXXX I go to chase bank aXXXX XXXX XXXX  for apointment with XXXX XXXX, to fix my problem, XXXX call the department of claim from office phone and telling that Im not agree about the amount they taking from my bank which is {$300.00} and then they just said it is what it is. I was asking them so youre telling me that my money lose just because system failure and theres nothing you can do about it? they just said I guess even if you are speaking with my supervisor doesnt change any outcome. then why I bothered to call them and go to the bank if theres no solution for my problem. I mean if the bank that I put my money on didnt care about that then bank wasnt the save place to put your money on. Attached i uploaded all the proof too.
Product: Credit card

I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.
Product: Credit card or prepaid card

Discover Card is waiting on an irs report, which is fine. However, they have locked me out of my account online from payment or seeing statements. I dont need to use the card just pay the bill. They have no allowed that to happen. They didnt when they locked me out put me on a paper bill. I stopped AutoPay because I cant see whats going on! I dont care about using the card just paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXXXXXX XX/XX/2023, and XXXX  XXXX XXXX XXXX XX/XX/2023 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, and XXXX XXXX XXXX XXXXXXXX XX/XX/2023 have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 247 ( a ) ( 2 ), XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, and XXXX XXXX XXXX XXXX XX/XX/2023 antisemitism, character defamation, privacy violation, aggravated identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, Can not be Verified and Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) . 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit card or prepaid card

Target is charging me a {$40.00} late fee PER MONTH on the running balance! THIS plus interest on the running balance. THIS IS OBSCENE AND USURIOUS! 

I shall not pay the late fees on running balances and SHALL DECLARE BANKRUPTCY IF NECESSARY TO AVOID PAYING THE LATE FEES!
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on my new home XX/XX/XXXX, it was a brand new build. My servicer, US Bank did an escrow analysis in XX/XX/XXXX, they sent me a check for about {$970.00} and my payment went up about {$40.00}. I was under the impression that they did the escrow analysis on the tax appraisal value, which was done XXXX or XXXX 2018. I kept checking my appraisal to ensure that the new value was listed as I know that XXXX is when an escrow analysis is typically done. So when they did the analysis in XXXX I trusted that they used the new value. I was wrong, the sent me an escrow analysis XX/XX/XXXX, my payment went up {$900.00}. The servicer says that I am over {$6000.00} short in my escrow account. I always expected my payment to go up about {$200.00} - {$300.00} since it was going from land only to a new structure being built on it. So the payment went up, as I expected but then I have to pay another {$500.00} for the shortage. 

I called them and asked them why they didn't check with the XXXX XXXX Appraisal District for the new value, I was told they just went by the invoices from the previous year. I feel they are at fault for not doing their job to get the new value, especially when the property starts with land only. 

So now this puts me in jeopardy of losing my home, who can pay that much more for a house payment. I got no sympathy from the servicer. 

I don't know what can be done but I don't feel that they did their job properly and now I have to suffer for it. I don't know what the laws are, but I feel that servicers need to make sure that they have the most updated information from the appraisal district. How many other people has this happened to, it is just wrong. This has caused a lot of stress, when it could have been avoided. I trusted them to know what they were doing, but obviously they don't. 

Please help me so I don't lose my home. 

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

This inaccuracy in my account has been negatively affecting me, and it's so frustrating to constantly reach out to you without any proper response on whether this account has been deleted or not. All I ask is for this account to be removed due to the repercussions of my credit scores, this is my lifeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have noticed a few accounts & inquiries on my credit report that I have not authorized. Please remove these account and inquiries asap. 

Accounts : Portfolio Recovery - XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

A Checking Plus account was sent to collections for a total of {$900.00} remaining balance in XX/XX/XXXX. On XX/XX/XXXX this balance was paid in full for a total of {$900.00} via check. The collection company in charge of this debt was sent the required documents including the check of proof that paid the balance to {$0.00}. 

In XX/XX/XXXX my credit report was labeled as Failure to Pay instead of Paid in Full as agreed in exchange for me paying directly to Citibank the full balance owed. In XX/XX/XXXX my credit report was labeled Negative. I am requesting that all negative attributes affecting my credit report be removed and that my credit report be labeled as Paid in Full as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from SECURITY FINANCE on my XXXX ACC Name/numberXXXX XXXXXXXX XXXX # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX report XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received an Escrow Shortage letter from XXXX XXXX XXXX XXXX dated XX/XX/23. On said letter it indicates that my escrow account will be short due to increase in property taxes ( {$120.00} ) and increase to property insurance ( {$370.00} ) with the verbiage " Changes in the above items mean that the amount needed in your escrow account increased by {$490.00} per year. I understand this figure ( {$490.00} ), yet my payment is increasing by *** $ XXXX. The letter states that the minimum allowable escrow amount on my account is {$950.00} to avoid an escrow shortage the lowest yearly amount in my escrow account was on XX/XX/23 which was {$300.00}, {$950.00} - $ XXXX {$650.00} which is the amount due as lump sum to avoid any possible shortage. I understand this portion, if I am unable to make a lump sum payment the amount will be broken up into 12 months, so that would be an increase of $ XXXX month. Yet my payment according to this letter is being increased by $ XXXX. This was my question, why the discrepancy they are increasing my payment with an additional $ XXXX for a total charge of {$810.00} instead of {$650.00} I have asked why the additional charge of {$160.00} on 3 different occasions, the system states to expect a response within 48 hours but some may take 3-5 business days. I sent messages on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 it is XX/XX/23 today and still no response. Same Scenario happened last year payment increased $ XXXX month x 12 months for a {$370.00} escrow shortage. 


2nd question asked the last 2 years I have received a XXXX form indicating interest earned slightly under {$100.00}, I have never received a penny from XXXX XXXX XXXX XXXX XXXX I have looked at my account payment history no monies have either been deposited into my escrow account, no monies have been applied to the principal and no monies have been paid to me. Where is this money? I have never received a reimbursement of any overages i have paid. They failed to answer this question they just re sent me the XXXX form. I am beyond frustrated with XXXX as I feel something XXXX is happening. I have attached the copies of the messages sent on the pdf presentation because transcripts of the conversations are not available.