23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Received a flyer in the mail saying I was approved for line of credit for XXXX I went on the website the flyer told me to go to and had it deposited in my account after giving them my banking info and my pay dates. They put XXXX in my account XX/XX/XXXX then payment was due for XXXX I paid it. Then I got message payment was do again on XX/XX/XXXX I don't have the min. Payment they had due because they have took it off my account statements now. But I think it was XXXX I paid XXXX on XX/XX/XXXX then on XX/XX/XXXX I paid XXXX then by XX/XX/XXXX I had to ask for a draw because of having to give them my whole XXXX check. Then on XX/XX/XXXX they try to get XXXX which declined causing me fees. This went on and on wanting outrageous payments every two weeks until I almost lost my home. Had do money to even live off of. Here is my really big problem!! XX/XX/XXXX they said my outstanding balance was XXXX then by XX/XX/XXXX my balance was XXXX ok was told pay extra on it my balance would go down. Ok XX/XX/XXXX paid XXXX on this XXXX I owed. And was more than the minimum payment I had. That should have brought down to XXXX paid XXXX on XX/XX/XXXX should have brought what I owed to XXXX then XX/XX/XXXX paid another XXXX all with no draws balance should have been XXXX went back online to check my balance XX/XX/XXXX they had by balance at XXXX again after paying XXXX month of XXXX with no draws contacted them and theyre trying to tell me I owe this!! No way do I owe this they're crooks told them I was going to report them to everyone I can XX/XX/XXXX go online check balance they got I owe XXXX went on there today they got my balance XXXX The total amount I have sent these crooks is XXXX with a total of XXXX in small draws because they were taking my whole check monthly. Didn't even have nothing to live off of. And about to get put out of my home because of getting behind paying these crooks my whole income. This place needs to be shut down forever!! They're crooks!!!
Product: Mortgage

This is a follow-up to a prior complaint I filed with the CFPB - complaint #  XXXX . I filed that complaint on  XXXX   XXXX ,  XXXX .     In brief, I am th e administrator of t he estate of my late mother,  XXXX   XXXX . She took out a reverse mortgage in  XXXX  with Reverse Mortgage Solutions , Inc .     My mother passed away in  XXXX   XXXX , and I was name d administrator lat er in the year.     In  XXXX   XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because  Reverse  Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told  may  be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed.     After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the  XXXX   XXXX  complaint.     On  XXXX   XXXX ,  XXXX ,  Reverse Mortgage Solutions  replied to that complaint, and separately sent me ( as  administrator f or my later mother 's estate  )  a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00}  )  as well as the apparently changed calculation of costs and fees the company claims were owed.     But I have several remaining questions.     The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the  XXXX   XXXX  payoff statement, yet are offered as dispositive now without any explanation for the changes.     Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by  RMS  for the estate, it is the exact amount billed by  XXXX   XXXX , Georgia in  XXXX  for property taxes owed on the property, so presumably represents that amount.     But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX .     Thus,  RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate.   RMS  owes that {$1700.00} to the estate.
Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc  e in resolving this matter.      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one says i Had an acct that had been written off this has been showing on my credit report but I have never opened an acct with capital one I never recieved or used their credit card I have. No credit cards and I dont want capital one or any other credit cards from. That company someone used my identity and I want to report this as fraud and take this off my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. Capital one This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer.

3. Capital One After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Product: Credit card or prepaid card

Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake. 

As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}. 

In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas. 

On the third call I was left on hold for over 15 minutes.
Product: Mortgage

In XX/XX/XXXX we called Carrington mortgage company requesting assistance for XX/XX/XXXX payment. Work was slow and we knew we would not have the payment and they told us not to worry about it and we would figure it out. In the following months Carrington mortgage applied all of the payments we made to the previous month keeping us a month behind and destroyed our credit. The " late payments '' were all made by the XXXX of each month within the grace period. I am on a fixed income that I receive by the XXXX of each month and Carrington is aware of this and it has been no issue. We had been approved for a refinance through another company to get Carrington paid in full. Carrington waited until XX/XX/XXXX to report to the credit bureau eliminating our refinance ability. We have now had to go to a debt consolidation firm to try to straighten out our debt. A different representative from Carrington calls us once sometimes twice a week 7 days a week with no help or insight on how to fix the problem. Our payment has went up {$100.00} a month, every year with no explanation as to why. We have been told property taxes but none of my neighbors had a tax increase. We are at the end of our rope on working with them or speaking to someone without kids screaming in the background. We would like to find a solution to the delinquent payment and get the late payments off our credit, we have receipts the show the payments were made by the within the grace period every month. Any assistance would be appreciated.
Product: Debt collection

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Product: Debt collection

I have power or attorney for my ill father. I contacted XXXX/CONTFIN by phone at ( XXXX ) XXXX to inform XXXX/CONTFIN that the alleged account # XXXX opened up on XXXX/XXXX/XXXX for {$500.00} could not be owed by my father ( XXXX XXXX ) as they have reported on his credit report because on XXXX, XXXX XXXX was in the XXXX and XXXX with a condition that left him XXXX. Therefore, this account had been fraudulently opened and fraudulently reported by XXXX/CONTFIN to the XXXX, XXXX, and or other credit agencies. 
On XXXX/XXXX/XXXX, I called XXXX/CONFIN and spoke with to XXXX, who informed me he could not give any information unless a Power of Attorney was mailed to XXXX, DE XXXX. I told him I mailed it around XXXX/XXXX/XXXX. XXXX then said give it 10 days. I said ok. I called again on XXXX/XXXX/XXXX and spoke with a female associate who 's name stared with a XXXX. 
At this point I was informed she does not know whether they received a power of attorney form and the debt had been sold to XXXX XXXX XXXX. I said so now I have to mail the power of attorney to them. She placed me on hold and came back and said she does not know whether they received the power or attorney but she could not tell me anything. I ended the call. 
My problem is that I sent them a Power of Attorney that is not being acknowledged. My original letter to them was sent with the power of attorney requesting they prove the debt is owed by mailing to me the signed application by my father, any statements sent to my fathers home address. I have had power of attorney since XXXX for my father and has never received any statements at his home address of almost 40 years from this company. 
This is the information I needed to have them correct his credit report they damaged by placing false information to the credit agencies. 
I want XXXX/CONFIN as a resolution to submit to me proof that the debt is owed, showing the original application signed by XXXX XXXX my father and any statements sent to his home address. When XXXX/CONFIN finds my father did not sign these documents or open this account to remove all negative credit information from all credit agencies including XXXX, XXXX, and other agencies
Product: Debt collection

Recently, a collection has been added to my credit reports causing a hard ship. 

The collection is from a company named DRS ( Debt Recovery Solutions ) based in New York. 

I reached out to this company via phone calls and emails requesting proof that their company and had any business dealings together and asking them to remove this collection. 
I have yet to receive any documents with my signature and DRS agreeing to do any business together. 

Im requesting that CFPB, help remove this collection from my credit reports. 
Ive tried reaching out to this company but am getting no where. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has charged and attempted to collect a debt for {$440.00}. I have filed for identity theft with my attorney and this was a charge that was to be taken off the credit report. The report is closed, but not taken off. To be more specific, there are ( 2 ) charges for {$220.00} each totaling {$440.00}. Im submitting this report to have this account removed from my XXXX, XXXX, XXXX accounts.
Product: Debt collection

Letter from Complete Payment Recovery Services states my company XXXXXXXX XXXX owes money for a check cashing service provided by XXXX, whereby they allege my payroll check was dishonored. The check has cleared my bank and was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a late payment on XX/XX/2022 which is inconsistent with the other credit bureaus.
Product: Debt collection

SATISFACTION OF LOAN AND DEBT RELEASE ( Sent to Bridgecrest XXXX ) I am writing to confirm that account # XXXX has been paid in full and this has satisfied any and all obligation to the said Retail Installment Contract. The final payment ( s ) is hereby made as satisfaction of loan and debt release status as of XX/XX/, showing in the amount of {$14000.00} ( Remaining Principal Balance ), and any additional interest and/or fees associated with account above in accord and satisfaction of debt as a whole. Account status is now Paid in Full as this was confirmed by agent during phone call made XXXX at XXXX and re-confirmed by another agent including title release information via text communication made XX/XX/ at approx. XXXX to ( XXXX ) XXXX. Therefore, any statements made to credit agencies or any other credit reporting bureaus must be made aware that this debt has been satisfied and Paid in Full. Furthermore, you shall refrain from making any more claims in relation to this debt as it is considered to be satisfactory of the loan, including any and all obligations in connection with the XXXX XXXX XXXX, and is now hereby released of any and all debt. 

Please notate statements on Invoice # XXXX which is an attachment of electronic payments made on XX/XX/2023 ( Sent to Bridgecrest dated XX/XX/2023 ) which confirms payment if full in accord and satisfaction of said debt and payments were accepted by Bridgecrest
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a TEMPORARY LIFT on Credit Freeze on XXXX XXXX, XXXX for ONE DAY ( until XX/XX/XXXX ) from myequifax.com online account - so, after XX/XX/XXXX my credit file should have automatically frozen again. However, as of today XX/XX/XXXX ( 2 months later ) the 1 Day temporary lift still exists in my account at myequifax.com and it shows " You have temporarily lifted your Equifax Credit freeze UNTIL XX/XX/XXXX '' - please see the attached image. Their software/system should have automatically frozen my credit file again as per schedule, after the 1 day temporary lift period expired on XX/XX/XXXX. Also, since the temporary lift still exists in the account, it is no longer allowing me to add/manage/schedule any NEW/FRESH temporary lifts and shows a message saying you already have a temporary lift in place ( image attached ). I want them to FREEZE my credit file again.
Product: Mortgage

My Mother, a XXXX in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. 
She applied for HAF funds several months ago. 
In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. 
She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. 
I caught this error only after she made 3 trial payments, but luckily before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a XXXX with a perfect XXXX credit score a 40 year mortgage. 
Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. 
They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. 
Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. 
It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. 
They need to be monitored and investigated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERFORMANT FINANCIAL performed a hard inquiry on my credit on X/X/2017. 

PERFORMANT claims that the hard inquiry was allowed by law due to an collection account that was opened in in XXXX 2017. 

THE inquiry was performed 4 months prior. 

PERFORMANT unlawfully pulled my credit.
Product: Credit card

Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion stating my bankruptcy had been verified. There is no information on who verified this information. When another person other than myself is confirming information that is not permissible purpose is identity theft. The bankruptcy court doesn't provide information. Since you are fishing for information against me. This is identity theft. Please remove all negative information, Charges will be filed.
Product: Checking or savings account

friday XX/XX/2021 at XXXX my bank called me explaining the see some unusual activity in my account and they were going to to stop the activity but at XXXX i went into my account and notice i was missing {$2700.00} in my account someone went into my account and transfer money to someone I don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX  XXXX BANK 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report. 
Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.