23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan ( # XXXX ) was transferred/sold to Shellpoint in XXXX following our origination. Our actual insurance and tax escrow is {$190.00} per month. Following unwarranted forced-placed insurance in XX/XX/XXXX in excess of {$6700.00} ( with an effective date of XX/XX/XXXX ), our new escrow payment is {$510.00} and our escrow account is negative by nearly {$4000.00}, and with the created shortage resulting from the force-placed insurance, our monthly payment is more than {$400.00} higher per month as well. 

During the origination process we undoubtedly provided evidence of homeowner insurance in order to set-up an escrow account for taxes and insurance and close the loan. Upon transfer to Shellpoint, our insurance agent provided evidence of insurance and change in mortgagee clause information reflecting Shellpoint as the bank. Shellpoint claimed we did not have coverage dating back to XX/XX/XXXX and they intended on force placing insurance. The insurance agent again provided evidence of insurance in XX/XX/XXXX showing coverage from XX/XX/XXXX through XX/XX/XXXX. I subsequently provided the insurance information again in XX/XX/XXXX. I followed-up in XX/XX/XXXX and again provided evidence of insurance for the XXXX  year, only to be told that the force-placed insurance could not be removed unless we provided evidence of insurance dating back to XXXX. On XX/XX/XXXX, I emailed XXXX dating back to XX/XX/XXXX ( which predates Shellpoint 's servicing ). I follow-up again on XX/XX/XXXX and was given a new email address to send the EOI to ; I held on the line while the representative confirmed receipt of the XXXX  email. ON AT LEAST XXXX OCCASIONS I have requested a refund to my escrow account for the force-placed insurance premium of {$6700.00}, a refund of the overpaid monthly force-placed insurance payments, and a reanalysis of our escrow account to lower our payment to its original figure. In XX/XX/XXXX I was advised that it would take " XXXX business days to refund the force-placed insurance '' and reanalyze my escrow. On XX/XX/XXXX, a reanalysis was done by Shellpoint and not only did they not refund my insurance, and replenish my escrow, my payment went up by {$50.00} per month. I have wasted XXXX months trying to get Shellpoint to fix their error to no avail. PLEASE HELP!!!
Product: Checking or savings account

I wasn't near a computer to check my account as I was out of town. {$1000.00} in overdraft fees in 35 days. Starting from XX/XX/2018 thru XX/XX/2018. 
I went to Chase Bank branch on XXXX and XXXX in XXXX XXXX, CA on XX/XX/2018. 
Sat down and the gentleman reversed 4 of the charges and said more were getting reversed as it processes. This was an obvious mistake on my part and Chase is taking advantage over me by shoeing me out the door. Also I didnt want overdraft protection but when I opened my account She said its mandatory but as soon as I opened an online account I can switch it off. I was NEVER given the opt out option. Also never informed about debit card coverage that I didn't know existed but says I'm opted in? Please help!!
Product: Debt collection

This is a follow up to complaint XXXX. 

Yesterday, XX/XX/2021, Commenity Capital Bank XXXX, ex XXXX, XXXX XXXX, contacted my son, XXXX XXXX XXXX, in XXXX, CA, who is XXXX years old, and was asking question about me regarding a debt owed. How in XXXX these XXXX  got information about my son, I don't have a clue. This is continued harassment about debt that does not and never has belonged to ME! XXXX  the XXXX  down!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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  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 seven 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 of 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

In accordance with the fair credit reporting act XXXX account # XXXX XXXX insurance collections has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 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

I filed the following Consumer Financial Protection Bureau Complaint # XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX has already labeled the complaint as duplicate. This is unacceptable. I want to know why XXXX XXXX XXXX XXXX continues to label ALL complaints as duplicate without any explanation. ALL COMPLAINTS WITHOUT ANSWERING ONE COMPLAINT! The complaint -- -- - The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX Loan # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was XXXX  for XXXX XXXX  and XXXX  in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX  XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and XXXX  XXXX  XXXX  XXXX as evident in her XXXX.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX  XXXX ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A synopsis of the situation is that I have received several Annual Escrow Account Disclosure Statements since XX/XX/XXXX from BSI Financial who holds my VA mortgage. All have different Escrow shortage amounts, incorrect tax and insurance distribution amounts and different monthly payment amounts grossly increased as compared to prior years without large increases in either taxes or insurance. Below is some preliminary information to better describe my situation : XX/XX/XXXX, Per mortgage statement, Escrow Account Shortage : {$1200.00}, monthly payment : {$1300.00} Escrow Account Disclosure Statement Date Shortage amount Monthly Payment XX/XX/XXXX {$4800.00} {$2200.00} XX/XX/XXXX {$5300.00} {$2000.00} XX/XX/XXXX {$2900.00} {$1500.00} XX/XX/XXXX *County Tax Delinquent Notice* Confirmed Issue was reconciled. 
XX/XX/XXXX {$3600.00} {$1600.00} XX/XX/XXXX {$6600.00} {$2100.00} I have called more than XXXX dozen times to attempt to understand and rectify the situation. The last time I communicated with an escrow department member at BSI named, " XXXX '' on XX/XX/XXXX where I was advised that my complaint was going to be escalated to the next level complaint department per his supervisor and that I would be contacted, " soon '' by said complaint department. It is now XX/XX/XXXX and I have not received any communication from anyone at BSI. I attempted to contact " XXXX '' twice today and he was not in the office, and no one could advise me when he would be. I have also recently become aware of the XXXX Class Action Lawsuit which BSI Financial was found liable on for this very practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. the account is listed below : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX and XXXX 's have informed me that my social security number has been used to obtain their store credit cards and that they have been used multiple times. They would not provide me any more information such as the name of the individual using my information. I looked at a screen while they were looking it up and a person with the name " XXXX '' shows up under my social security number. I called XXXX 's and could not get a response and when I spoke to a manager they said they couldn't help me and that I had to work through the credit bureau. When I asked the management at XXXX to cancel that card under my social security number they would not help either and said I have to work through the credit bureaus. Meanwhile my information is being used and I am disgusted at the lack of easy process to deal with this at these companies.
Product: Debt collection

On XX/XX/XXXX was transported via ambulance to XXXX XXXX XXXX Hospital in XXXX XXXX, XXXX  following chest pains with difficulty breathing. Was discharged after receiving medical care. Approximately 1 month later ( statement date XX/XX/XXXX ) I received a bill with total charges of {$2600.00} for services provided, but didn't actually see the bill until 2 weeks or so later due to work issues. After insurance payments and adjustments my financial responsibility for the bill was {$260.00}. 

On XX/XX/XXXX I began making {$25.00} per week payments, electronically, directly through the hospital 's payment portal ( XXXX XXXX XXXX ). These payments have continued thru XX/XX/XXXX ( every Thursday, which is my pay date ) so that I have now paid a total of {$250.00} toward that {$260.00} bill. 

On XX/XX/XXXX ( statement date ) the hospital sent the remaining debt, at the time {$61.00}, to a collection agency ( XXXX XXXX, XXXX XXXX , XXXX ). On XX/XX/XXXX I received that notice, again late due to work issues. I actually have made 2 more payments in the meantime so the total debt owed to the hospital is only {$11.00} and that last payment was going to be made on XX/XX/XXXX 

Needless to say I find the hospital 's action completely and unnecessarily hostile. Payments were being made weekly toward the bill so at no time could they say I was attempting to evade them or deny them monies owed. My questions are : Is this legal? Do I have any recourse? To whom do I make the remaining payment of {$11.00}? Has this affected my credit? If so, how do I dispute the action and clear up any negative remarks on my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

XXXX   XXXX ,  2017 I pa id off my mortgage wi th Loan Depot, m ortgage account  XXXX   Loan Depot had 90 days to provide me with a mortgage release documents, releasing me from an y liens against me and my house. As of today,  XXXX   XXXX ,    2017 Lo  an Depot ha s not provided me with the release documents. I have sent several emails and each time I get a response that they are going to provide this document and that it has been escalated, but to date no one has provided me with the proper document stating I am released from the mortgage. This document is needed should I ever want to sell my hom e. Loan Depot is not legally entitled to have a lien on my house since the loan has been paid off in full. There never been pen alty for late payments, I have always paid on time. This company is not responding to my requests to get my affairs in order..   I would appreciate if someone would force this company to provide me with the appropriate document. I am not sure how they can avoid sending me this document, I presume there is a law they have to do it within a certain amount of time. Well it has been 6 months since I paid the loan off. I would think my documents are long over due.   Thank you for your help.    XXXX   XXXX   XXXX
Product: Checking or savings account

I have attached a full description of the issue, but in short : Ally Bank, The XXXX XXXX XXXX ( XXXX ) Revocable Trust used Trust Funds to obtain CDs funded XX/XX/XXXX. XXXX had personal accounts with Ally Bank, and the XXXX where XXXX and XXXX XXXX ( XXXX ) ( me ) were/are Trustees. XXXX XXXX had Power of Attorney before and at the time of XXXX death.XXXX is the Executor of the Estate of XXXX XXXX XXXX. Prior to her death, the XXXX interest income was reported under XXXXXXXX XXXX SS #. The CDs were 13 month ( $ XXXX ), 18 month ( $ XXXX ), and 20 month ( $ XXXX ). CDs were subject to early withdrawal penalties, but no penalties with the death of the grantor/owner. Per Ally Bank T & Cs, CD Interest ( >12 mo CDs ) Credits at the end of the calendar year. XXXX XXXX XXXX passed away on XX/XX/XXXX. On XX/XX/XXXX I by Secure Message and FAX provided Ally Bank with the XXXX for the XXXX TRUST ( see attached ). In the communication to Ally Bank were instructions to apply the interest earned on the CDs to the XXXX. Ally Bank issued XXXX for XXXX with the CD interest reported under XXXX 's SS #. This causes IRS penalties. Note that a XXXX Election was taken when the TRUST XXXX was obtained, the TRUST first fiscal year is XX/XX/XXXX - XX/XX/XXXX. In incorrect XXXX was also issued for the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XXXX.