23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested a dispute and it got kicked back as accurate so On XX/XX/23, i contacted XXXX to get a better understanding of why i have an account in collections. The lady stated she couldnt find any account with the information i gave her and to contact the debt company to get an account number. I spoke with Jefferson capital and she gave me info on how to dispute and that its better to dispute instead of paying it off.
Product: Mortgage

I refinanced my mortgage from RoundpoinXXXX to XXXX, closing XX/XX/XXXX. The payoff check arrived at Roundpoint on XX/XX/XXXX. As part of the refinance, XXXX obtained a payoff quote from Roundpoint. Included in that payoff quote was a line item called " Pro Rata PMI '' in the amount of {$290.00}. This payoff quote was for a payoff received by XX/XX/XXXX. Since it arrived approximately 13 days early, I was told I was receiving a partial credit and only being charged {$270.00}. At a rate of {$4.00} per day that's about 3 days credit. However instead of crediting me the approximately 14 dollars I was charged again, this time directly from the escrow account still with Roundpoint. I have two complaints. 

1. The credit should be 13 days at {$4.00} per day, or about {$63.00}. 

2. The {$290.00} was included in the payoff sent by the bank. Taking any PMI out of the escrow account after is duplicating that payment. 

I have the payoff quote showing the pro rated PMI being included in the payoff. I have the closing documents showing the payoff sent to Roundpoint included the full {$250000.00} for payoff as quoted by Roundpoint. I have screenshots of my online account showing my escrow before and after they took the final PMI payment out, as well as the line item in the account detail showing it was for PMI. I have conversation with a rep from Roundpoint claiming that I was charged correctly. 

I am also anticipating 13 days of per diem interest to be included for the overpayment due to the payoff arriving 13 days early. This overpayment is for loan interest calculated into the payoff quote, but not earned based on the time of payment received. 13 days at {$25.00} ( As stated on the payoff quote ) is {$320.00} in overpayment on interest. 

I should receive a check from Roundpoint with the following : {$2000.00} - Current escrow balance {$63.00} - PMI overpayment based on payoff date {$320.00} - Interest overpayment based on payoff date {$270.00} - PMI duplicate payment taken from escrow despite being paid in payoff Total of {$2600.00} I was told these go out within 20 business days of loan closing. Check should be post marked by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies XXXX and XXXX for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXX account number XXXX. TransUnion has the amount owed as {$18000.00} and XXXX is showing the amount as {$18000.00}
Product: Credit card or prepaid card

I have received the email screenshot since XXXX. I spent the required XXXX before the XXXX statement but have received no statement credit even after the XXXX statement. No where in the email does it state when my statement credit will be processed. After emailing the company, they said I am to receive points. I was expecting a statement credit. I get no clear answers from the company about this. Please see attached email.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX. {$0.00}. 


INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

LOAN NUMBER XXXX MY MORTGAGE LOAN WAS TRANSFERRED TO SPS IN UTAH AS A NEW SERVICER ACCORDING TO XXXX LETTER IN XX/XX/2020. 
SPS REFUSED TO DIRECT BILL TO XXXX XXXX FOR MY HOME INSURANCE AND CREATING ANOTHER SPS FRAUD. 


Sent : Tuesday, XX/XX/2020 at XXXX XXXX From : XXXX To : XXXX  XXXX Subject : My Coverage Info Information Received Thank you for submitting your document ( s ) using MyCoverageInfo.com/sps. This email is to provide confirmation that your information has been received. Please do not reply to this message. 
*********************************************************************************This e-mail message and all attachments transmitted with it may contain legally privileged and/or confidential information intended solely for the use of the addressee ( s ). If the reader of this message is not the intended recipient, you are hereby notified that any reading, dissemination, distribution, copying, forwarding or other use of this message or its attachments is strictly prohibited. If you have received this message in error, please notify the sender immediately and delete this message and all copies and backups thereof. Thank you. XXXX XXXX also USPS mailed twice ( 2 ) my property insurance Binder to Alleged Select Portfolio Servicing Inc & Its Successors Or Assigns. XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

To : CFPB We feel that the mortgage company Newrez has not acted in good faith and purposely been taking extra Escrow funds. They continue to not acknowledge or properly add my name to my deceased father 's mortgage. He died in XXXX. However, they still have his name on the account even though the house is completely and legally in my name with the county. It says " Est of ( and his name ) '' The difficulty is that we've purchased the home insurance coverage which is under my name as the owner. However, when it comes to pairing the insurance and mortgage they fail to acknowledge the difference and next purchased they're own lender-placed insurance coverage for the property. 

Once we realized this back in XX/XX/XXXX, we contacted Newrez and informed that of the insurance information with XXXX XXXX XXXX. In fact, we had the XXXX XXXX representative talk to the Newrez Insurance Division, but later on we realize that they were still charging for the lender-placed insurance even after we informed them about XXXX XXXX  and the fact that we no longer wanted insurance included in the Escrow because we just paid the insurance directly ourselves. Now in XX/XX/XXXX, we realize that they are still paying themselves the lender-placed insurance so we tried to complain several times but no one would correct the issue. Therefore, we just decided to pay the home off entirely instead of continuing to let them get the interest and fake insurance coverage. 

We submitted 3 payment to pay off the principal and close the loan. They accepted the first two payment totaling {$31000.00}, but when we sent the payment of {$40000.00} they originally accepted it, but a few days they returned the $ XXXX back to our bank and disabled the feature to pay online.

We called to express our frustration but they would never let us speak with a manager despite several calls and leaving messages. We also submitted five formal written complaints on their website with no response. 

I am writing for your assistance and to inform other current and potential future customers of their dirty practices to steal and keep your money. 

We appreciate any assistance and support that CFPB can provide. The company Newrez can be found at newrez.com or XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 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 card

I called CapitalOne to cancel or change my credit card from the current card I have with an annual fee to one with no fee. The fee was on my last statement as anniversary date for the card is around now. They offered to switch me to a no fee card but said they needed to check if the annual fee would automatically credit back to my account. 

After a long hold, they said the annual fee would not be credited back automatically and they would not credit it, period. 

They demanded that I still pay the annual fee since they had already " billed '' it. It was on my last statement and another representative had already told me as long as it was within 30 days, it would not be charged. 

A supervisor told me they would not " waive '' the annual fee. I explained I was not asking for a waiver. I wanted the no fee card and they still refused, saying I could switch cards, but since the fee was already billed, they would make me pay the annual whether I switched cards to a no fee cards or canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dispute number XXXX Federal law prohibits Medicare providers from billing beneficiaries who are enrolled in the QMB program for Medicare Part A and Part B deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the QMB program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of QMBs Is Prohibited by Federal Law Federal law bars Medicare providers and suppliers from billing clients enrolled in the QMB program for Medicare Part A and Part B cost-sharing under any circumstances.

The QMB program provides Medicaid coverage of Medicare Part A and Part B premiums and cost sharing to low income Medicare clients.

QMB is an eligibility category under the Medicare Savings Programs and providers and suppliers may bill State Medicaid agencies for Medicare cost-sharing amounts. However, as permitted by Federal law, States can limit Medicare cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the QMB program have no legal liability to pay Medicare providers for Medicare Part A or Part B cost-sharing.

Medicare providers who do not follow these billing prohibitions are violating their Medicare Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ). 
PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
Product: Credit card or prepaid card

Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from 60 % -70 % up to 95 % by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX, XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Product: Debt collection

Puget Sound Collections, XXXX XXXX is threatening and uses abusive language and harrasing calls at work. She always says to sign papers now or your get a lawsuit and go to jail.
Product: Credit card or prepaid card

On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.
Product: Credit reporting or other personal consumer reports

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 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 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 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 XXXX XXXX XXXX2
Product: Debt collection

To Whom It May Concern, The reason for my dispute is Reliant Capital Solutions was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Reliant Capital Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. Reliant Capital Solutions is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Reliant Capital Solutions is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Reliant Capital Solutions. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

Im on XXXX XXXX  member and a perk included is rescheduled payments. I used it on XX/XX/XXXX and rescheduled to XX/XX/XXXX. There are multiple issues : they charge a convenience fee for card payments, not when you use a bank, so i added bank and moving forward the payments were automatically deducted. Well on XX/XX/XXXX i payed ( rescheduled XX/XX/XXXX ) using bank to avoid convenience fee of {$1.00} - they did not disclose that they prefer bank payments or that it would take XXXX business days to process and that in that interim i would be blocked from using card with a false message that i had outstanding payments. Well it is XX/XX/XXXX and im unable to use app or request anything. Furthemore they sell a 30 day membership to sezzle anywhere im unable to use this product because i submitted a bank paymenti paid, on time, but because i used a bank it will be processing for XXXX business days- thats a week! they never disclosed that paying with a card is how you avoid processing times and what they actually prefer. Seems like payment discrimination and if i dont pay convenience fee it becomes an inconvenience to use the app. I have been blocked from using/requesting sezzle anywhere, but i paid 30 days of membership.. in their world i could go XXXX weeks being blocked from app and still charge XXXX membership because there are other loans issued and all will be payed through bank to avoid convenience fee therefore the account will always be processing payment very unfair practices- what agent says in screenshot is not actually posted anywhere as of XX/XX/XXXX when i made that payment. A payment is a payment, youre allowed to charge convenience fee but im not sure youre allowed to keep my account on hold or bad standing because i used bank. Id been using debit yet they charhed me XXXX each time, that adds up. Also, they dont allow you to turn off automatic payments, thats not an option.