23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.
Product: Debt collection

On XX/XX/XXXX, XXXX and XXXX, I received a text message from Sunrise Credit Services , Inc. Stating that they are debt collection agency. I never heard of them neither owe any debt. I am hesitant to click unknown text messages, but I did in this case. It takes me to this website https : //payment.sunrisecreditservices.com/ and a SCS Account number is prepopulated in the box. I do not have an account with this agency at all. 

I submit the account number and it tasks me to enter my zipcode to login. I submit my zipcode and the message states that it does not match their records and to call the number XXXX. I did not out of fear of it being a scam. I am under the assumption that I am victim of identity theft which did occur to me when I used XXXX and I had to receive new credit cards. 

I was also contacted by Sunrise on XX/XX/XXXX. I did answer the call, but no one responded and I hung up. 

I researched reviews on XXXX and it seems that I was not the only one experiencing being falsely accused of owing debt. XXXX XXXX XXXX # XXXX
Product: Debt collection

My account was sold to another collection agency and when I submitted information that they no longer own the account XXXX refuse to rekey XXXX XXXX XXXXXXXX from my report because they submitted that they still Own the account
Product: Credit card or prepaid card

Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having respiratory problems- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband 's income as enough and we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue the maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in my bonus and commission income. It was starting to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest rate to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Chase.
Product: Student loan

I attended the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Illinois. My loans were recently XXXX due to approval of borrowers defense application. I would like the opportunity to have the same loans I took out to attend that school forgiven by navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was discharged in Chapter XXXX. XXXX bought this loan and is now reporting on my credit report. Experian and XXXX have corrected this with your help and now I need to have experian do the same
Product: Credit card or prepaid card

I applied for a Chase XXXX XXXX XXXX. My application has been denied several times allegedly due to an extended alert from XXXX. I have called the specified XXXX phone number numerous times and XXXX has no extended alert on my account. I tried to resolve this through the Chase branch ( as Suggested ) without success. In over 7 hours on the phone with chase and XXXX hours in the branch, no one at Chase has resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the Equifax report and received it, I clicked on the tab to move on to the next report ( the XXXX report ). The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount.  Nationstar has failed to do either in the past 2 plus years they have been servicing my  loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.
Product: Credit reporting or other personal consumer reports

Today I look at my credit report and I NOTICED 3 fraudulent accounts XXXX XXXX XXXXXXXX open around XX/XX/year> with XXXX, XXXX. XXXX XXXX open around XX/XX/year> XXXX owed, and XXXX XXXX  opened around XX/XX/year>. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,
Product: Checking or savings account

I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : On XX/XX/2021 XXXX a Sunday Afternoon ), I, XXXX XXXX XXXX XXXX the Complainant ) had received an email alert message from Equifax Information Services LLC., ( Equifax ) which had stated : Your credit score changed on XX/XX/2021 and is now within a new score band. 

New Credit Score Band : Fair Previous Credit Score Band : Good You set your preferences to be notified when your credit score band changes. See Exhibit A. 

In which, my Equifax credit file score had dropped forty-nine ( 49 ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX points dated on XX/XX/2021 ( see exhibit C ). After, I had applied and, I had been approved for the XXXX XXXX XXXX secure credit card in conjunction with the associated deposit of XXXX XXXX ( {$300.00} ) dated on XX/XX/2021 ; in order to secure my XXXX XXXX XXXX  credit card revolving balance account. And, I had not yet received, my XXXX XXXX XXXX secure credit card from the jurisdiction of the United States Postal Service ( USPS ) mail delivery to become activated or used towards any store purchases. Therefore, how did my Equifax credit file score drop to XXXX  ( XXXX  ) points when I had not used my XXXX XXXX XXXX  secure credit card for any purchases nor have, I received, my XXXX XXXX XXXX secure credit card by mail delivery from the USPS jurisdiction, as of XX/XX/2021 to make any stores purchases? 

Furthermore, prior to me applying for my XXXX XXXX XXXX secure credit card, I had zero percent ( 0 % ) Equifax credit file score utilization rate and, my XXXX XXXX XXXX secure credit card annual fee payment cycle period was from XX/XX/2021 to XX/XX/2021 due on XX/XX/2021, in the amount of twenty-four dollars ( {$24.00} ) which effected, my Equifax credit file score utilization rate that went from zero percent ( 0 % ) to eight percent ( 8 % ). And, in calculating my twenty-four dollars ( {$24.00} ), XXXX XXXX XXXX annual fee amount divided by my XXXX XXXX XXXX secure credit card deposit of three-hundred dollars ( {$300.00} ) which had calculated to eight percent ( 8 % ) that is below the thirty percent ( 30 % ) XXXXXXXX XXXX XXXX, XXXX threshold requirements for Equifax credit score utilization ratio. And, recommended by the Consumer Financial Protection Bureau ( CFPB ) which keep my Equifax credit scores steady without any derogatory drop in points against my Equifax credit file account. So, why did my Equifax credit score dropped XXXX ( XXXX ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX  points dated on XX/XX/2021 ( see exhibit C ) when my Equifax credit file utilization rate is only to eight percent ( 8 % ) below the thirty percent ( 30 % ) threshold required from XXXXXXXX XXXX XXXX, XXXX? And, my XXXX XXXX XXXX  secure credit card annual payment was not past due to receive any derogatory mark into my Equifax credit file account that should not have affected my Equifax credit file utilization rate.
Product: Debt collection

PREVIOUS CASE # : XXXX Please note that the original complaint with XXXX XXXX XXXX , is resolved. This complaint involves only Halsted Financial Services and XXXX XXXX XXXX. I can not seperate this complaint because it would leave out too many key factors in the what lead to my filing a complaint. 

I began receiving emails from XXXX XXXX XXXX last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by XXXX XXXX, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named Bill at the agency. He told me they would get the information I requested to me soon. I never heard back from XXXX. Last month, in XXXX, I received an email from Halsted Financial Services claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, Halsted was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed Halsted that I requested validation from XXXX and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to Halsted Financial Services on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from XXXX XXXX XXXX, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 DDUpon 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 XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXXXXXX 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 suppose to modify accounts that isn't reporting correctly. 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 1681c. ( a ) ( 5 ) 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 XXXX years. 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.
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. 

XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have 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. 1681c. ( a ) ( 5 ) 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 7 years. 

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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX