23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unjust Enrichment of my Escrow monies on a new loan originated on XXXX XXXX. 
" I received your reply dated XXXX XXXX, XXXX. 
I still contest the ledger on my escrow account is wrong. The investigation is not conclusive in regards to my request because it does not address the core issue with the accounting of my escrow monies. The escrow transfer credit on line XXXX is the correct amount @ {$7000.00}, but these funds were intended to be paid out at the time of closing to our Village and our Insurance company for XX/XX/XXXX invoices. The estimated escrow payment at origination was and still is enough to cover all of the escrow expenses that have occurred, and the projected expenses for the near future, with the overage originally calculated and applied. 

Your letter is showing a negative adjustment to the escrow account for {$7000.00} ( I 'm assuming to fund the taxes and insurance ), which would put the escrow balance at {$1200.00} at the time of closing. But your reported escrow balance is not true because Nationstar did not pay the entire property tax bill at the time of closing. The starting escrow balance, and our escrow payments in XX/XX/XXXX were enough to fund the taxes and insurance for XXXX, XXXX, and will be for XX/XX/XXXX. ( Including escrow padding ) The amount of {$3400.00} was not an 'advance ' in XX/XX/XXXX, it should have been CREDITED from your stated escrow balance of {$8200.00}. And the tax payment was short, and I had to contact Nationstar to make the additional payment of {$2400.00} in XXXX XXXX - which is a LATE payment. This amount should also have been credited from the stated escrow balance. These XXXX payment total {$5900.00} to the Village of XXXX XXXX - not {$7800.00} ( as stated in your reply letter ). Also, at the closing Nationstar cut a check to XXXX for hazard insurance for {$1200.00}, which should have been credited from the escrow balance. Nationstar 's ensuing management of my escrow monies and account charges are negligent at best. And the amount of harassment put, as a responsibility on me is unjust and erroneous. The errors have all occurred as a result of Nationstar mishandling my escrow ledger. This was election I made to make my accounting simpler - I do n't need to have an escrow account.
Product: Credit reporting or other personal consumer reports

I'm personally lodging this complaint about late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm seeking your help to address this issue swiftly and effectively.
Product: Payday loan, title loan, or personal loan

Company calls me several times per day and hangs up. I feel they are using abusive credit collection tactics by harassing me. 

Also, I am sure if the charge is legitimate. They waited 3 years before putting themselves on my XXXX Credit report.
Product: Payday loan, title loan, or personal loan

I try to create an online account to be able to pay, look at options, budget, and ultimately keep track of it wont allow me or say there are no loans attached to my name I have emailed IT multiple times and have called the branch a million times but still NO ACCOUNT Im not gon na pay until this is fixed Im tired of being runaround and still after 4 months HAVE NO ONLINE ACCOUNT TO MANAGE MY LOAN ugh pics below after I log in ugh
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Transunion, 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 I DID NOT AUTHORIZE THESE INQUIRIES 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: Credit reporting or other personal consumer reports

DISCOVER BANK XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Late payment info incorrect Please remove Attached proof of payment has violated my rights. The report is incorrect, I looked at my credit report on XXXX, 2024 and noticed some things are not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have a debt with Comenity Bank for a XXXX XXXX account related to prior dental work. I am currently past due with my payment and they call me repeatedly every day. Since XX/XX/XXXX, I've received the following calls from Comenity Bank 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 And the day isn't over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Debt collection

I located a fraudulent account in my credit report for {$200.00} from Convergent Outsourcing. In the report it claims the account was opened XX/XX/19. I contacted them and Convergent explained it was a account XXXX account . I contacted the company and have sent an affidavit of fraud, copy of my XXXX XXXX bank and my id that proves the my address does not match the fraudulent account. They have refused to assist and have lost my papers 3 times! I need this account to be removed. If I had opened the account I would have paid it. I have XXXX credit score and wont mess it up for a stupid {$200.00} bill.
Product: Debt collection

I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting same account twice which is a clear violation of my rights under FCRA. I am entitled to accurate reporting under FCRA and where a reporting company fails to abide by this factual requirement, inaccurate information must be deleted. 

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

Equifax sent me a letter ( which is attachec ) where they advised they are not doing any further investigating into the accounts listed on my dispute. Under FCRA I have the right to request the credit bureau furnish proof of the accounts being falsely reported to my credit report for accuracy. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting teh credit bureau furnish these documents - as this information is not valid - I have not signed contracts with this companies. This letter is their denial of what is my right legally and they have exceeded the legal time frame to provide it. 

I have attached a notarized authorization for them to speak with you to resolve my complaint, a copy of a bill, US Passport and the last letter that was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries added to my credit report that were not authorized. 

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

XXXX  ; Experian and XXXX  should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay
Product: Credit card or prepaid card

I received my benefits and was able to make purchases for about three days then they locked my card due to suspected fraudulent charges. I cleared that up with key bank, the card provider. My card was still locked after clearing it with them. I called them again and they told me to contact washington unemployment to unlock the card. I contacted them multiple times and they haven't responded or unlocked my card. If I have cleared it with the bank then why do they still have a lock on it and why do they get to lock my card in the first place.
Product: Student loan

I have been misled and misinformed about the forbearance and deferment of my Navient student loans. My original principles on my loans have SKYROCKETED from $ XXXX to $ XXXX and from {$8600.00} to $ XXXX. 

That's approx. {$11000.00} that has accrued on top of my original principal. 

I have been unemployed on and off for the better part of 5 years. I have notified Navient several times and have even applied for loan discharge and wasn't properly notified about how to best go about this. 

This is highway robbery in an already convoluted industry that is stealing students ' money who can not afford to repay their loans in an affordable or otherwise pragmatic manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX & XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account XXXX XXXX XXXX Account name XXXX Account XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX & XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an 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 crime 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/year> and initiated a temporary thaw of my credit report freeze ( date of thaw was XXXX ). I successfully accessed their website and it correctly displayed my request. However, when XXXX separate organizations requested a credit report they denied the request. 

I called Experian on XX/XX/year> and attempted to navigate their prerecorded solutions with no success. I then called several Experian numbers gleaned from the internet and finally spoke to a representative. The representative kept me on the line for XXXX mins while he attempted to resolve, but then disconnected prior to a resolution. I attempted several more times, but could only reach the prerecorded system. 

The XXXX vendors are still unable to access my credit report, and it is causing delays in my mortgage and utilities ability to process my requests. 

In researching today, I additionally discovered that because the XXXX organizations made several attempts to obtain my credit reportit has negatively impacted my XXXX XXXX, which has been exemplary ( previous score of XXXX ). 

I am requesting that you intervene as soon as possible, so Experian can resolve quickly. 

Please advise. 

Warmly, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

On XX/XX/2024, I contacted Shellpoint Heloc customer service located in XXXXXXXX XXXX. I demanded that they answer why they had held my {$5000.00} additional principal payment that I made over 35 days prior. After customer service rep - XXXX could not help me, I demanded that a manager resolve this issue. XXXX claimed to have escalated my ticket request and told me that his Manager - XXXX XXXX could call me back regarding the issue because she was busy with another customer. I demanded a confirmation of when the manager- XXXX XXXX would call me back and was told that it would be on the same day. 

It's now been 4 days and XXXX XXXX ( manager ) has never called me back. I logged into my SHELLPOINTMTG dashboard and see that they finally applied my payment but they also made my loan completely " inactive. '' shortly after I received an email that ShellpointMTG was closing my account. 

I NEVER ASKED TO CLOSE MY HELOC. My heloc is still within its 10 year draw period. ShellpointMTG is attempting to close my account without my authorization, and they are blocking me from accessing my dashboard and my the refund for the erroneous payments that they charged me. ShellpointMTG has charged me erroneously during the 35+ day period which they failed to apply my principal payment for {$5000.00}. 

This company is fraudulent, incompetent, and downright dangerous to consumers. But that does not give them the right to close my HELOC while I am legally entitled to my 10 year draw period.
Product: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX ( XXXX ) regarding an account allegedly purchased from XXXX XXXX in XXXX. My primary concern is that the debt validation provided by XXXX lacks sufficient detail and fails to address key questions about its accuracy. The records they provided do not adequately demonstrate a legitimate transfer of the debt, nor do they clearly show how the amount owed was calculated. This lack of transparency has made it difficult to trust the validity of the claim. 

Additionally, XXXX  initial notification process was flawed. They claim to have sent me a letter in XX/XX/year>, but I never received it. This has created confusion and prevented me from disputing the debt within the initial timeline, which I believe XXXX have adversely impacted my rights and credit standing. As a result, this unresolved debt has been reported to credit agencies, causing significant harm to my XXXX XXXX and overall financial well-being. 

Another major issue has been the inconsistency in reporting. All three major credit XXXX, XXXX, and TransUnionhad previously deleted this item from my credit report, only to re-add it later. This repeated re-adding has caused considerable damage to my credit score, created additional stress, and made it difficult to trust the accuracy of XXXX  claim. This action by the credit bureaus, presumably based on information provided by XXXX, raises further questions about the validity and handling of this debt. 

I am asking XXXX to provide more thorough documentation, including the accounts history of charges and payments, and to verify the precise legal ownership of the debt. I also request that XXXX cease all reporting to credit bureaus until these issues are fully addressed, as their current documentation is insufficient and has not answered my concerns. I believe a fair resolution would include a clear and transparent accounting of this debt, along with the removal of any inaccurate information impacting my credit.
Product: Checking or savings account

Sir or Madam of CFPB, this is the fourth /x4 ) time I claim for this other issue and the first time you close it ; Please, you are a USA Authority and I ask you no more discrimination with myself I had enougth with Citi people. THIS CLAIM IS NOT ABOUT THE CRIMES CITI XXXX DID TO MY MOTHER AND TO ME. Please Sir. or Madam, of CFPB pay attention before closing a claim ; Thank you. I loosed 4 years of interest on my savings because the many account office I had all this year none attend me the phone or emails and I loosed the inerest of all this years and this was another damage to my finance ; DO NOT CLOSE AS DUPLICATE, THIS IS ANOTHER ISSUE
Product: Debt collection

Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. " Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address, even though my correct address has been in the court documents since the beginning. They obtained my bank account information and sent a lien to my bank over a week before the process server date listed on the Lien Notice they sent me. The Lawyer 's say they are only their stand in 's in court and ca n't help. Results Unlimited says they refuse to remove the Lien unless they get {$1500.00} and a payment plan. They violated my due process rights and are committing fraud by holding my bank account with an invalid lien. They committed fraud to my bank by sending them paperwork that said they had a valid lien when in fact they did n't since I was never served.
Product: Credit reporting

XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX as it is reporting accurately. Please do not delete my XX/XX/XXXX XXXX account as it is not being disputed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.