23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello CFPB : I am contacting you in an attempt to have expeditious results regarding the escrow analysis that I received in the mail on yesterday with a payment due on XXXX XXXX. I contacted the Senior VP/General Counsel ( XXXX XXXX ) via email and asked that Please correct this matter within five business days of this communication. I also talked with XXXX XXXX of the Specialty Division of Shellpoint Mortgage at XXXX. 



In XXXX, I secured a construction loan from XXXX XXXX XXXX   who later transferred to XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, XXXX transferred to ShellPoint Mortgage Services. Since that time, I have experienced repeated errors in the accounting and billing which have caused much grief and anxiety. 



Last Spring, I sent a mortgage payment in with three advance payments earmarked for three future mortgage payments. The mortgage was applied to my principal. Surprisingly, I received a default letter for the next month. It took over a month and six phone calls to different representatives and four emails to various departments to have it corrected. Even after it was corrected, another error occurred which led to more phone calls and inconveniences. 



On last night, I came home to read my escrow analysis. The XX/XX/XXXX amount due is {$6300.00}. I am showing a current escrow balance of - {$24.00}, XXXX. This can not be correct. My yearly taxes and insurance don't exceed {$2500.00} a year. In addition, XXXX XXXX sent a copy of the homeowners insurance twice to Shellpoint when requested. 

I am being told that my taxes were delinquent form XX/XX/XXXX-XX/XX/XXXX.  However, the County Tax Portal shows that the taxes were paid. I have never been delinquent on taxes. 


Also, the cushion of {$4.00}, XXXX ( 1/6 ) is unconscionable. My original lender has a 1/12 cushion clause. Therefore, the terms of my loan can not change due to transfer. This cushion was not contracted for and is NOT reasonable. How many average working persons can afford to pay an extra {$4900.00} with less than a months notice. 

In closing, I am requesting that this matter be corrected within five business days of this correspondence to you. I should only be responsible for the {$790.00} contracted in the original loan and the {$160.00} escrow and possibly a cushion on 1/12 not 1/6 per my  original loan. 



Regards, GP
Product: Vehicle loan or lease

Opend loan XX/XX/XXXX, lost my job after a year of payments. Auto was repo 'd. Never received any letters from Prestige Financial. Not sure if auto was sold. But the past due amount increases each month since XX/XX/XXXX. I have disputed this account through the reporting bureaus, it is validated each time. I disputed directly with Prestige Financial asking for paperwork proof, they did not respond.
Product: Debt collection

My complaint is against Midland Credit Management ( Midland Funding ) There address is XXXX XXXX XXXX XXXX, MI XXXX. The current amount of the debt owed is XXXX The original amount was XXXX. I paid them a total of {$400.00} in XXXX towards the debt and offered them another {$400.00} to settle the debt. 

I contacted Midland Funding on Thursday, XX/XX/XXXX to try to resolve that debt. I asked if they would take a settlement offer and I stated how much I could pay which was {$400.00}. The gentleman said no and I asked what amount would they be willing to accept. They gentleman XXXX XXXX said that no settlement would be accepted, only the full balance that was owed. He stated that I should ask a family member to assist me in paying for the debt. At that point I asked to speak to a supervisor and he said that I could not. So I kindly ended the conversation and I filed a complaint on the company website. A few days later on XX/XX/XXXX the same person XXXX XXXX called me back in an attempt to collect a debt and once again I asked if a settlement offer of {$400.00} would be accepted and he said no only the full balance. I reminded him that the last time we spoke he refused to allow me to speak to a supervisor and he tried to say that he told me they were all busy not that I could not speak to one. So asked again to speak to a supervisor. This time my call was transferred and I spoke with XXXX XXXX who identified himself as a manger and he also stated that no settlement would be accepted. I once again filed a complaint on the company website because I was upset that I had been contacted again by the same person that had previously been so rude and that I had filed a complaint against. I received another call from the same XXXX XXXX on XX/XX/XXXX in attempt to collect the debt. I asked once again if a settlement offer would be accepted and he said no. At his point he stated that there was a judgment for my wages to be garnished. After getting off the call I logged into my account. When I looked at my account online the last judgement on the account was from XX/XX/XXXX to collect the debt and interest on the account was awarded, no judgement to garnish my wages was listed. Now today XX/XX/XXXX I received another call from XXXX XXXX of Midland Funding trying to collect the debt. Again I asked if a settlement offer would be accepted and he said no and asked me why I couldn't pay the entire debt. I informed him that I offered them what I could pay towards the debt. Then he asked if I was getting an unemployment check and I stated no. Then he asked if I received a stimulus check and that I could use that. I stated to him that check was to help people to maintain their home and pay other bills to continue to live. At which point I told him the conversation was over and I hung up. 

Copy of payments made PAYMENT SUMMARY VIEW AVAILABLE PAYMENT OPTIONS DATE PAYMENT XX/XX/XXXX {$120.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired an agency to speak with Sequoia financial on my behalf since I have disputed this collection on my credit report with XXXX  and XXXX  at least a dozen times. XXXX  has since deleted the negative mark on my credit but XXXX  still has not. My report shows that this debt is from XXXX when it is from XXXX.
Product: Debt collection

Comenity BankXXXX acct was paid in full over a year ago already {$4200.00}. 
With the promotional rate of 18 monts 0 %. XXXX has been paid in full. 
Now they are tackling the amount of {$7200.00}, on top of the {$4200.00} credit limit that has been Paid in full. 

I want this Company to remove this debt out my credit report, is not acurate. 
That amount is outrageous on a XXXX credit. it Seems that as soonest the debt was paid and promotion was up, they added this riduculous amount, thats predoratory lending.
Product: Credit card or prepaid card

CapitalOne would not make any additional attempt if the statement email notification did not get sent. This happened to my business and personal accounts. CapitalOne would just let the account become overdue so they can charge late fees. One would think if the email notification gets returned or undeliverables they at least try to mail a statement or may be a phone call.
Product: Payday loan, title loan, or personal loan

I took out a loan from this company on XX/XX/XXXX for {$750.00} I have currently been paying this loan to the best of my abilities but due to my hours being reduced and struggling financially. I sent them an email on XX/XX/XXXX and advised them to stop collecting ACH drafts. I received a response back ( see attachments ) that the request was processed on XX/XX/XXXX. I received another email today,XX/XX/2021, stating they are STILL going to collect payment via the ach draft when I asked them to stop with proper 3 days notice. I can barely afford food and on the verge of bankruptcy. I asked them to stop collecting payments so I can send them payment on my own terms as my bank account is not an option at the moment. I do believe I have this right but based on their response they are disregarding my request. Please help!
Product: Credit reporting or other personal consumer reports

Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Product: Debt collection

credit corp solutions is attempting to collect an alleged debt for XXXX from 2015. 
my XXXX account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit card

Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.
Product: Checking or savings account

Looking to get my money back for these following XXXX Charges from {$600.00} XX/XX/2022 {$2700.00} XX/XX/2022 {$4400.00} XXXX XXXX 2022 {$2000.00} XX/XX/2022 {$2000.00} XX/XX/2022 {$1200.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1600.00} XX/XX/2022 Going back and forth with my bank, XXXX is holding my funds XXXX. 

I was scammed by a XXXX company using my paypal account which as of now has completely vanished and is unresponsive in the case of any of the charges on my account. 

There is an ammassed amount of around {$20000.00} USD in limbo and XXXX currently has claims to it and they are refusing to re-open the charges because they were already openned through my bank, the second refusal is because it was outside of the 180 day timeframe ; but I filed these with my bank prior to that 180 days, right now if I contact XXXX for my money back XXXX is refusing to give this back due using " Their Policy '' as a hide around. 

I just want my money back to help pay for college and bills. This is all I ask.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report. I would like you to remove every Charge-Off and Collections. This information is not accurate XXXX Credit Bureau company keeps reporting the wrong information on my personal credit report I've request a thorough investigation into this matter and sent a written request by certified mail. They keep sending my request back with a few days. I recently obtained a copy of my credit report and noticed that it contains charge-off and collections entries that are inaccurate. I have been disputing these credit card and collection disputes for over ( 7 ) years. Im being harassed and threatened daily. Im unable to obtain a home mortgage and Ive been denied credit recently per my information has been sold to the Dark Web. My rights have been violated with false information Per the Laws of FCRB and the CFPB the following 15 US Code 1601, 15 US Code 1692 ( b ). 15 US Code 1692 ( g ), 15 US Code 1681 ( b ), 15 US Code 1666B. Im requesting validation of debts from each account.
Product: Debt collection

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by XXXX XXXX XXXX, XXXX. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I contacted Experian TWICE, in regards to information on my credit repo that has been investigated by law enforcement as fraud. Ive never lived in South Carolina where these accounts were opened. I provided them with the police report and a letter requesting that they remove this erroneous information immediately. In addition I contacted the creditors and provided the same information. I was told by the creditor that if I paid a settlement amount that they would remove the information from my report. I called Experian and advised them of that conversation. I told the representative that it appears that both the creditor and Experian are involved in a crude black mail system to force payment from consumers seeking relief from the effects of indentity theft. The Experian agent told me that by law they are required to report the information provided by the creditor .... I then advised him that the FCRA requires you to report ACCURATE information.. refusing to remove information that has been documented by law enforcement as fraud to assist the creditor in blackmailing the consumer into agreeing to a settlement to remove the information is FRAUD ... Experian is taking fees on information they know to be erroneous and fraud. Where is our protection from these predators?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

My score on equifax was not showing on my report. Please update my score and delete all inaccurate info on my account.
Product: Debt collection

Repeated phone calls ; up to 4 to 5 calls everyday and they will not tell me what this is in reference to.
Product: Checking or savings account

This is a secondary complaint with reference to the first complaint I submitted NO. XXXX. Fully understand that you have a right to close my account with no knowledge as to why you are closing it. What I do not understand is why funds can be returned to the IRS when you were aware that the tax return belonged to someone else as stated and showing in the history in online banking. You permitted me to withdraw {$850.00} between 2 days before blocking the account when I went to withdraw XXXX. The tax return that was deposited into my account was from XXXX and XXXX XXXX. Who you refuse to speak with to clear this matter up. I even asked if could have tax return faxed to the office to prove the funds meant for me and was told that I could but not sure what would be done with the documents. Wouldn't speak to them with my authorization or by setting up a code word to verify that was who you were speaking with. Told couldn't be done. So if no fraud case being set up and not able to clear my name with the XXXXXXXX XXXX  help. Why is over {$20000.00} being sent back to the IRS? The funds were provided to me because I have been out of work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still am not back to work and those funds are to help pay for a vacation and medications along with paying medical bills. So please do not send the funds back to the Irs forward the funds in a certified check to my home address. Documentation can be provided to prove funds come to me.
Product: Debt collection

on XX/XX/XXXX I check my credit and saw that Nationwide recovery sy has flagged my account and threaten to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report for inaccuracies I noticed several and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX .  XXXX  needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Product: Debt collection

Dispute : XX/XX/2020 CFPB Barclays Bank Incorrect account balance reporting {$760.00} Contract I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Barclays Bank Delaware with an original debt of {$760.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$560.00} to the creditor via the consolidation program and my balance now due is {$200.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/2020 to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$560.00} via the consolidation company and report the actual correct balance of {$200.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents, please? Certain listed accounts exhibit inaccuracies concerning reporting, incorrect amounts, and reported dates.
Product: Debt collection

XXXX XXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. 
I REQUESTED SOMETHING THAT I SIGNED