23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$2000.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX to go a dining set on XX/XX/2021 for the amount of {$1500.00} with an interest-free promotion. Room to go is charging me a security fee that I do not authorize in XXXX this fee adds {$200.00} to my account they say it is insurance when I contact synchrony bank but they never put insurance on my purchase. The promotion is XXXX months without interest, this would add {$400.00}, this is XXXX XXXX above, this is a steal. They do not want to reimburse me for this money that I do not authorize to collect.
Product: Debt collection

In reviewing my recent credit report, I noticed a number of accounts that I believe are erroneous and were added without my awareness.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$250.00}
Product: Student loan

I have three school loans taken out one that happens to be in XXXX ( XXXX paid and XXXX balance ) before I was even born. Then the other two on my credit report were in XX/XX/XXXX ( 1= {$3000.00}, the 2nd= {$3100.00}, both closed. But was told that they're the same one. But on my credit report it states that there different. ) I also tried to dispute those two that I never did those that I fully believe my ex-husband XXXX XXXX whom I divorced in XXXX and have a five-year XXXX XXXX against until XXXX that he committed fraud against me. I sent in document stating my case. Nothing was done and now I was garnished my XXXX taxes ( {$3.00}, XXXX ) which I was trying to use to support my XXXX kids and move out of California with and now I can no longer do. Can you please help? Not only am I financially struggling but I was also trying to fix my credit for a better future for my family and I and I am at a total loss at what to do now and nowhere to turn for help. I can't even afford a lawyer so whatever you guys can do for me would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC, and they have violated my rights numerous times.

I demand the accounts below be removed because according to 15 USC 1681 : I have a right to privacy and i did not give XXXX written permission to furnish these accounts : account # XXXX account # XXXX account # XXXX account # XXXX
Product: Checking or savings account

I had fraud take place on my Bank of America account. I filed a report as it happened multiple times, I reported this in confidence to Bank of America. Bank of America received my information and reported to my XXXX  account that I was guilty of " Account abuse '' This is a defamatory statement that has directly impacted my finances as I was the victim of fraud. Classic blaming the victim is so much easier than completing an actual investigation including the victim, not against the victim. Unacceptable. Lawsuit is pending.
Product: Debt collection

The account below is not my account. Please remove off credit profile XXXX Last reported XX/XX/XXXX {$1500.00} Opened XXXX XXXX, XXXX ( 1 yrs, 6 mos ) XXXX Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you
Product: Credit reporting

On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. ( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via XXXX. Permit from Commissioner of Insurance ; penalty for violation ; exception.
Product: Credit card or prepaid card

I had my Florida XXXX unemployment compensation disbursed to the Way2Go Card provided. Each time my benefits were debited to the account they were immediately credited back under a 'Transaction Type ' called 'RETURN UNPINNED DEPOSIT '. 

I have tried to connect Way2Go multiple times and they defer to Florida XXXX. However, Florida XXXX does not answer their phone and their offices have been closed during COVID. I have been trying to resolve these issues from XX/XX/XXXX!!!!! 

I contacted the customer service phone number for Way2Go at XXXX ten times through XX/XX/XXXX- they even charged me {$0.00} for each phone call. There is a record of this on my statement.
Product: Credit reporting or other personal consumer reports

The Experian website doesnt have a method of adding a dispute related or general statement to your credit report. There are instructions that say there is a link with Add a Statement but it doesnt seem to exist. See attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter ( his second hand letterdelete inside brackets ) on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is quick loan mortgage and as rocket loans neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
Product: Mortgage

A wire transfer in the amount of {$7600.00} was sent to Midland mortgage on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland mortgage has still not posted the two month mortgage payment to my account and I have continued to assess fees, Ive spoken with representatives in Midland mortgage and is able to tell me the payments have not been posted to my account and I have been given various dates as to when to expect it to post. I would like the fees that have been assessed on this account since the wire transfer was posted as of XX/XX/XXXX to be reversed up until it is physically showing up on my account online
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure 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. The following information, therefore needs to be re-investigated. 

This creditor is reporting as a charge-off on my credit report for multiple months. I requested documentation for the charge-off, which consists of the required 1099 form I should receive for IRS purposes . Lastly, the company is still receiving payments regarding this account, as my Gap insurance notified me by mail that they sent them a payment.
Product: Money transfer, virtual currency, or money service

I filed a claim with XXXX XXXX after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. I reached out to Venmo first and they told me to go through XXXX XXXX to get my money back. Fast forward to XX/XX/24 when the same individual decided to threaten me and extort the money on Venmo after getting notified about the chargeback through Venmo. XXXX XXXX has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. I want this payment refunded or I will file suit for being an accomplice to threatening behavior and XXXX against me.
Product: Debt collection

Debt collection firm filed against me in two separate venues, both of which I do not live in. Back in XX/XX/XXXX I was told that i had an upcoming court date, they were rude. Cussed at me. Would not give me any information. They continued to send items to an address I have never lived at. The address was my fathers, whom i do not speak to often. They are claiming to have served me at that address ( per court website ), received judgment on the matter. They have never served me personally. I now have a judgment against me, because i just happened to look myself up on the court website. Never knew about this court date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were divorced and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts sunrise XXXX, XXXX/XXXX, XXXX XXXX, dpt, edXXXX 6 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and Bank of America hoping that they would resolve this issue. The account I am disputing is Bank of America account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with Bank of America when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, Bank of America has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Product: Payday loan, title loan, or personal loan

loan applications submitted several times since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX vendor is unresponsive and when they do respond - they still drop the ball and don't process the application reached out several times to customer service - told that XXXX are not available 100 % of the time and that I can be placed on a call-back list placed on the call-back list and never get a call-back several communications sent to : XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXXXXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting or other personal consumer reports

Currently an AU on a XXXX  XXXX card. I dont know whose card it is. Only have the last XXXX of the acct ending in XXXX which was found by disputing it with Equifax. No card I have has a limit that high. I would like to be removed as an XXXX, but Im unable to provide any information to XXXX  XXXX to do so.
Product: Mortgage

I need help to get my {$30000.00} refund from CrossCoutrny Mortgage from the cancelled loan recast request. I paid extra {$30000.00} in XX/XX/XXXX to my mortgage loan ( # XXXX ) with CrossCountry Mortgage and requested to recast the amount to the XXXX mortgage to reduce my monthly payment. However, when I called CrossCountry Mortgage in XX/XX/XXXX to check the recast status, I found out the loan servicer at that time didn't complete the recast process partially due to the transfer of my loan to a new servicer of CrossCountry Mortage in XX/XX/XXXX. Since the recast process got much delayed and my needs have changed, I requested to cancel the recast request and get my {$30000.00} refund in XX/XX/XXXX. CrossCountry Mortgage cancelled the recast request and agreed to refund me {$30000.00} in XXXX. However, after I called CrossCoutnry Mortgage over XXXX times since XXXX, XXXX still hasn't sent me the {$30000.00} refund as of today. This is not acceptable!!! Please help.
Product: Debt collection

In XXXX of last year, I opened a PayPal credit account with a credit limit of {$1000.00} dollars. I charged {$390.00} to this account. Every time I would try to make a payment, PayPal would freeze up on accepting my bank information ( I bank with a small credit union ) and it would show the linking bank loading screen for about a half hour. PayPal did not accept debt card payments, only linked bank accounts. I went through huge hassles trying to make payments on this, sending money to friends and having them PayPal me money so it would be in my PayPal account so I could then transfer it to my credit account to make a payment. During the time I am trying to figure out how to pay it, PayPal is racking me up with late fees. I called PayPal about this and described exactly the issue and asked them to remove the late fees, as I was never informed when I opened this account that I would have absolutely no feasible way to make payments on it without jumping through extreme hoops. They agreed to drop the late fees and I made a payment via phone for the remaining balance that owed ( minus the fees ) on the account.

Synchrony Bank now handles PayPal credit debt and they call me at least XXXX times a day, email me at least once a day, with multiple letters in my mailbox stating that I owe {$460.00} on the account, which is more than I ever charged to the credit account, not even taking into consideration the {$390.00} I already paid PayPal. None of these letters included a statement of my right to dispute the debt. Additionally, when I login to my PayPal credit account it prompts me with a screen to enter my phone number and authorize Synchrony Bank to contact me at that number ... but they have already been contacting me for months at this number.
Product: Mortgage

This complaint addresses the calculation of interest charges that NewRez, LLC, has imposed upon the unpaid principal balance of my home mortgage loan ( NewRez Loan No. XXXX ) since XX/XX/XXXX. As a prelude to the information I am providing herein, please be advised that I filed a prior complaint ( ID No. XXXX ) with the Consumer Financial Protection Bureau for interest charges that were errantly applied to my account between XX/XX/XXXX, when NewRez began servicing my home mortgage loan, and XX/XX/XXXX. This prior complaint was satisfactorily resolved and documented in a letter NewRez sent to me, dated XX/XX/XXXX. NewRez included a Loan History Statement with that letter, stating that my unpaid principal balance, as of XX/XX/XXXX, was {$10000.00}, which was consistent with my own calculations. 

Since XX/XX/XXXX, I have made regular monthly ACH principal plus interest payments of {$670.00} on the XXXX day of each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I have made principal only payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX payments ), XX/XX/XXXX, and XX/XX/XXXX. With the exception of one of the two payments made on XX/XX/XXXX, all of these principal only payments were in the amount of {$670.00}. The other principal only payment made on XX/XX/XXXX, was for {$670.00}. NewRez imposed an interest charge of {$35.00} on one of the XX/XX/XXXX, principal only payments. It is my understanding, as I stated in my prior complaint, that the terms of my loan allow NewRez to impose interest charges only at the time of my regular monthly payment ( ACH transaction about the XXXX of each month ) based upon the outstanding principal amount at the end of the prior month. As a cumulative consequence of NewRez imposing interest on one of my XX/XX/XXXX, payments, I believe that my account has been overcharged {$35.00} of interest since XX/XX/XXXX. I am attaching spreadsheet calculations substantiating my contention. My spreadsheet calculates a current unpaid principal amount of {$350.00}. I am also attaching printouts of my online NewRez payment history after XX/XX/XXXX, showing a current unpaid principal amount, as of XX/XX/XXXX, of {$380.00}. 

I have attempted, unsuccessfully, to resolve this matter over the telephone with NewRez customer service representatives. During my most recent telephone conversation, on XX/XX/XXXX, the NewRez customer service representative erroneously advised me that the interest imposed on my XX/XX/XXXX, regular principal plus interest payment was based upon my principal balance as of XX/XX/XXXX, instead of XX/XX/XXXX, which I recognized as being patently incorrect.