23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. 

XXXX : XXXX
Product: Debt collection

dynamic recover solutions.calling me all time of the day even on week ends.threat me a bout taking me to court.this is not my DEB.SOME ONE OPENING UP A ACT IN MY NAME WITH XXXX XXXX PHONE IM MY NAMEI INFORMED THEME THIS IS NOT MY ACT IN 2014 5 YEARS A GO BUT THEY KEEP THREATING ME.
Product: Bank account or service

I have had a PayPal credit account for a number of years. I 've never had any issue with it until its recent departure from eBay. Since then, it has been impossible to maintain my account as my automatic payments from my checking account do not show up when I login to check my balance. All I can see are payments I 've made directly from PayPal. I recently changed bank accounts and made multiple attempts to change it on PayPal for a {$99.00} payment due on XXXX XXXX. Every attempt was met with a error notice. I finally contacted PayPal and waited on the phone for 25 minutes before being able to speak to someone. It was then I was told the acct was 31 days past due. At no time when I logged in before XX/XX/XXXX was there any indication the acct was past due, only a due date of XX/XX/XXXX. Payments of {$55.00} had been made every two weeks via auto payment for months. In fact, I had made a a payment from my checking of {$100.00} payment in XX/XX/XXXX and when I called PayPal in XX/XX/XXXX they had no record of it. Paypal is making maintaining accts impossible as there is no complete record of payments received and payments due.
Product: Mortgage

On XX/XX/XXXX I contacted Wells Fargo to inquire about the process of changing my homeowner 's insurance and how that would affect my escrow account. I spoke with XXXX XXXX and also a woman named XXXX and was provided the contact information and steps I needed to take. I was advised by XXXX that since my new insurance policy was starting a month or two prior to my existing policy, my escrow account may be short slightly and any refund I receive from my existing insurance carrier, I should pay that into my escrow account. He also advised based on the timing, they may run my escrow analysis and it will show a large shortage as the system will pay my new policy but they will also be calculating to pay my existing policy and all I would need to do if this happens is to call to explain the issue. I received an escrow analysis from Wells Fargo showing a shortage of {$610.00}. I called on XX/XX/XXXX and spoke with a woman who acknowledged what had happened and stated it would be a quick fix and placed me on hold and called the escrow department and came back and said she made an error and the shortage is correct but could not explain how. I requested a supervisor and spoke with XXXX who was also unable to satisfy my concern. I was given incorrect information by her as she stated my school tax was $ XXXX/ , county is {$650.00} and city is {$840.00} and advised those are paid bi-annually. That is incorrect as those figures are my totals for the entire year and not only for 6 months. Therefore the difference in my taxes from XXXX to XXXX were doubled as she stated they were paid bi-annually and was calculating the shortage twice. For example my school tax was {$1100.00} and increased to {$1100.00} which makes the shortage {$57.00} but she stated the shortage was {$110.00} as she doubled it in error. After over an hour she was unable to tell me how the shortage was being determined. Wells Fargo claims the shortage is {$610.00} but is increasing my payment by {$59.00} a month ( $ XXXXXXXXX= {$710.00} ) she was also unable to explain how I am repaying {$710.00} but the shortage is supposedly only {$610.00}. In XXXX I did not have any shortage, in XXXX I had a shortage of {$48.00} and in XXXX I had a shortage of {$51.00} which I understand taxes and insurance varies so a slight increase is understandable. A {$610.00} shortage is not reasonable or understandable and I believe my escrow analysis is incorrect. I have attempted to resolve this matter with Wells Fargo and have received no satisfaction or explanation. Please help me in resolving this issue as I truly believe my escrow account is not randomly short {$600.00} and their analysis is incorrect and what has triggered this is my change in insurance carriers. You will see I have never missed a payment and my payments are made on time so it is unimaginable that I have such a steep shortage in my escrow.
Product: Checking or savings account

My spouse had passed away on XX/XX/2020, we had a joint bank account with Bank of America however she was the primary account holder. The savings account has {$10000.00} which was supposed to be mailed to me in form of a check. I had filed all the necessary paperwork on XX/XX/2020 and submitted a copy of my spouse death certificate. I was assured by the bank manager XXXX XXXX that the whole process will take about a month. As per today, XX/XX/2020 I had not received any checks or updates from the bank. This branch of Bank of America is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

Shellpoint/New Rez Mortgage servicer Sent me a letter XX/XX/XXXX allowing me to cancel my escrow account and pay my own taxes and insurance. below is their statement in their letter. 

" " Upon review of your correspondence, New Rez has approved the cancellation of your escrow account. As such, the insurance and tax liens have been updated to Homeowner responsibility. Going forward you are responsible for payment of the insurance and tax items for the above referenced loan '' XX/XX/XXXX Then I get an annual Escrow account disclosure statement. Showing their intent to create another escrow. 

This company does not do what they say they are agreeing too. 
They even threaten me with a foreclosure before and will not own up to that.
Product: Credit card or prepaid card

XX/XX/2019 This complaint is for Chase credit card I made a payment to my Chase credit card for {$300.00}, I Called the company to pay the remaining balance around {$800.00} I found out that Chase credit card company cancel the card Then Chase issue me a new card. 
After a few call to Chase credit card department, Chase again cancel me the card More calls about XXXX unresolved, I explain that I made a payment of {$300.00} And to have my card for use, But at that time they cancel the card again I made a payment of {$300.00} company did not comply to have my card back for use Im sending payment receipt for the amount of {$300.00} Chase continued asking to pay balance and I told then many many times that the remaining balance was to be paid, after I found out that they took the {$300.00} dollars but canceled the card They wanted the remaining balance paid and not let me use my credit card See payment to Chase credit card I have maintain a good payment history with chase as I have also bank account with chase for over 20 years I feel Chase has rip me off and has taken advantages I also explain to chase that I had family medical issue and that was the delay but payment where to be made but no positive results took {$300.00} payments and not credit card back
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of everyone with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Experian dropping my credit score by XXXX points for a withdrawal of {$400.00} from a revolving loan which I expected. I did no expect them to drop it an additional XXXX points two weeks later for same transaction. No other changes were made at that time. TIn the last 6-8 months they've dropped my score from XXXX to XXXX to XXXX and now it's XXXX. No major changes, just same {$400.00} withdrawal and repayment in a couple of months. I also questioned why they dropped my score by XXXX  points in XX/XX/2022. Creditor used hard inquiry which should have been soft inquiry and not remain on my account for two years. Creditor advised Experian of this change according to letter that they sent me but nothing was ever done. My credit score is XXXX with XXXX and XXXX XXXX. When I make withdrawals they drop my score about XXXX points. Why is one company able to significantly drop scores for what appears to be no reason nor provide any explanation. I use my cards and accounts and I pay on time every month since I've had these accounts. Your assistance would be greatly appreciated.
Product: Debt collection

I have asked for verification of this debt and removal and this company has not responded or removed this false debt from my credit
Product: Mortgage

About a month ago, I received notification from Citizens One Home Loans that my COVID-19 loan forbearance plan was ending. I logged on to the loan servicing site, where I requested an extension of the forbearance period due to continued hardship, as is detailed in the CARES Act. Today, XXXX/XXXX/20, I received a letter stating that I am behind on my payments and required to pay over {$5000.00} by XXXX. When I first filed for forbearance, the request was processed immediately. Now, after several weeks, the servicer is displaying a message that my request is " under review. '' I believe that the servicer has deliberately delayed my request as an attempt to pressure me into paying the entire amount, even though the CARES Act states that I can extend the initial forbearance period for up to another 180 days.
Product: Debt collection

In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. 
On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. 
My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. 
After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. 
The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. 
Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). 
Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care.
Product: Payday loan, title loan, or personal loan

Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was " helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.
Product: Credit card or prepaid card

I have the Apple Card and have been using it for a couple of years now no problem. Recently I went on XXXX in XXXX and my phone was stolen. I took all the steps with erasing my phone and all that. I was even able to use the Apple Card on my other phone for about a week afterwards. Then all of the sudden I went use my Apple Card and it was locked. Mind you this was while I was at the airport and wasnt able to get home. I called Goldman Sachs/Apple Card and they told me it was under review to verify my identity and it should be all set in 24-48 hrs. To date it has been 4 weeks with no end in sight. No reason or explanation given. Just its under review.
Product: Mortgage

Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've experienced several unsuccessful attempts to have some inquiries removed from my Equifax credit report as they are reporting inaccurately. I have spoken with countless agents who 've given me the run around about having this incorrectly reporting information removed from my credit report. Due to these items being reported inaccurately I am having trouble acquiring things that I actually have knowledge of. I was told on more than one occasion that these items would be removed and that my credit report would be updated in 24 hours with the inquiries removed yet that has n't happened. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many disputes over the course of two years with XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, XXXX XXXX XXXX XXXX and Arbor Professional solutions violated the Consumer Financial Protection Act and HIPPA rights.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : USDOE/XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 c. ( a ) ( S ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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.