23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. Thank you very much for responding to my concerns regarding XXXX/LoanCare. I wired a payment of XXXX to XXXXLoanCare on XX/XX/XXXX to cover my XXXX and XXXX payments since my checks were not processed in a timely manner by XXXXLoancare as mentioned in my first complaint. I received confirmation via email today, XX/XX/XXXX, that the wire payment was received. The automated system informed me that my next payment is due on XX/XX/XXXX. 

However, I have the following requests : -Since I made the wire payment on XX/XX/XXXX, I request that XXXX/Loancare do not process the checks that XXXXLoancare have not XXXX. I placed a stop payment on two checks that they have yet to cash. One check is dated XX/XX/2023, and the second one is dated XX/XX/2023. See attachments for check info on checks that have yet to be cashed. 

-I contacted XXXX via email today and requested that the two checks mentioned above and attached not be processed. In XXXX 's email response, they told me they could not stop the processing of the check -Because I am informing them of the stop payment on the checks, I should not be charged a fee if the checks are processed.
Product: Debt collection

The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.
Product: Mortgage

Escrow Not paying!!!! On XX/XX/XXXX, I sent a secure message to Round Point Mortgage Servicing using their website. When we purchased our home in XXXX, It was actually two parcels that by contract was suppose to be combined into one parcel. However, The county where we live only combines parcels once a year in XXXX. When you paid they tax bill in XXXX, it was not combined yet by the county and only one parcel tax was paid out of escrow. This caused another issue. In XXXX when they went to combine the parcels, they could not do so since one had not been paid. They do not combine parcels when one has a balance due. I called an spoke to a woman at the XXXX County Tax office by the Name of XXXX and she stated that until that amount is paid, that their policy is that it can not be combined. She stated they would speak to Round point Mortgage if they needed more information on this or any other info on the bill that needs to be paid. The number to the XXXX County Tax Office is ( XXXX ) XXXX. Sale Date XX/XX/XXXX Certificate # XXXX Certificate Holder XXXX Interest Rate 12.75 % Original Amount {$210.00} Interest Amount {$10.00} Fees {$6.00} UnPaid Balance {$230.00}XX/XX/XXXX XXXX I also sent messages on XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two onXX/XX/XXXX concerning this matter. ALSO, Now I have learned that my HOMEOWNERS INSURANCE has LAPSED as well!!!!! The payment was not made. I sent secure messages about this matter as well on XX/XX/XXXX. I have NOT RECEIVED any response other than automated stating my message was received. I have also called several times and spoken to various reps. Being told they would look into it and call me back and have this taken care of. No one has done so! I have contacted our lawyer, XXXX XXXX of XXXX XXXX and have made an appointment to speak to her further concerning these two matters and will have her do what is necessary to remedy these issues. WHAT I NEED : 1. tax bill paid for the previous year for parcel not paid and both paid from here on out. 2. The homeowners insurance paid and restored and paid on time from this day forward. 3. Someone to actually contact me back if i have an issue!
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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.
Product: Mortgage

Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.
Product: Debt collection

Dividend Solor financed our solar system for {$78000.00} and paid the provider ( XXXX XXXX ) in full before the system was completely installed and working properly. XXXX XXXX went bankrupt, and we are stuck with a system that does work properly and a roof that was damaged during installation. Dividend offered to defer payment until the system was installed and all issues were corrected. This initial repair took over six months. During the initial first try, the repair team noticed damage to my roof from the initial installation of the solar panels. The project team said they would send a team out to look at the roof and said it may take a few months, it has now been over six months and the the wood under my roof continues to deteriorate so I have contracted to have the repairs done out of pocked for almost {$8000.00} Once the initial try was finished, Dividend ended the deferred payment and closed the case and did not notify me or communicate anything to me. Since I was not notified, I did not make any payments thinking I was still in deferment. They have since added nonpayment to my credit report and sent the account to collections. They are not willing to discuss any alternatives even though I am willing to bring the account current as long as they remove the credit delinquency and pay for or at least part of the roof repair. 

I think this lender has some liability and only wants to dispose of any and all account associated with XXXX XXXX, leaving me and other victims holding the bag.
Product: Credit reporting or other personal consumer reports

XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.
Product: Credit reporting or other personal consumer reports

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXXXXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Consumer Loan

My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX  reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, someone have my information and they are using my information to open credit cards accounts, I have requested to XXXX, Equifax and XXXX to remove this faults information, pursuant to section 605B of the Fair Credit Reporting Act and they are refusing to remove base on a valid FTC, I am demanding that this information be block and remove from my credit report, because I have No knowledge who did this, the accounts they are refusing to remove is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00},
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and advocacy group helping me due XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX  DEBT FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts XXXX XXXX  Installment account with account # XXXX XXXX Installment account with account # XXXXXXXX XXXX  Revolving account with account # XXXXXXXX XXXX  Installment account with account # XXXX
Product: Bank account or service

My husband had XXXX XXXX XXXX XX/XX/2010 with real problems. XXXX I wasnt even thinking about a house payment at this time. I called chase bank and was told that this one late payment wouldnt affect our credit because of the circumstance and low and behold this one late payment has crucified us. I hate the fact that Chase bank lied to us and you would think that after all this time they would at least remove this negative report from our credit report now. To begin with they lied about not r3eporting this one payment because of our issues at this time but they continue to report this and it has been 6 years.Its time to remove this from our credit report.Please contact Chase Bank I have contacted them numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with Equifax. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, Equifax, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, Equifax and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account and 3 XXXX accounts that were originally managed by AES, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and XXXX/AES directly. XXXX and AES is trying to say that my account first went delinquent in XX/XX/XXXX. AES originally had these accounts and sent it to XXXX and XXXX in XX/XX/XXXXbecause it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. XXXX/AES is refusing to remove it. Please help me!
Product: Debt collection

A company called integrated services calls my cell and work place about a loan that I believe that I have paid in full from over a year ago. They have made claims that I committed fraud and other outlandish accusations. I asked them to send me proof of what they say that I owe to them and they have never done so. I asked that they stop calling my job and if they intend to file the lawsuit, to do so but stop harassing me about a debt that I do n't even think that I owe. I have had individuals call using profanity and making threats that are going to cause me to lose my job, file court proceedings, garnish my wages and so on ... I 've tried to explain to then that I do not think I owe them anymore money but I 'm willing to look at the documentation and if I 'm wrong I 'll pay you your money. They refuse to honor any of my request and continue to contact my employer and have left messages on my boss 's phone with details about this matter.
Product: Credit card or prepaid card

Social security expose the individuals have access to my accounts and medical records mortgage
Product: Credit reporting or other personal consumer reports

They have failed to follow 15 USC 1681 ( e ) ( b ) and 15 USC ( i ) ( 5 ) for my entire credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Product: Mortgage

Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/2015 I was injured and had to go to the hospital. I was charged {$990.00} and since i didnt have insurance the rate was significantly higher. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 am requesting a refund for {$170.00} from JPMCB for a dispute that was ruled in my favor the day after I paid this charge reluctantly by phone via XXXX XXXX that processed on XX/XX/XXXX. I was not able to stop payment on this transaction as it already posted to their accounts receivables the day this dispute ruled in my favor as I proved without doubt that this supposed debt was already taken care of prior to me closing all my JPMCB accounts including my debit card and all privileges to online services as a result. 
Since I had no online services I could not see what secure message they kept sending my via email and when I called the bank no one there seemed to be able to help as they passed me off to another department once they deemed they could not answer any of the questions posed to them. This is a trend with this bank along with the agent either transferring quickly so one could not detest the transfer or them just flat out hanging up on me. I tried on numerous occasions to prove my case but no one took any accountability into looking deeper into this case so they bounced me between customer service, Chase Freedom card ( ending in XXXX ), claims and their own dispute dept. 
Since I had no online privileges and the companies refusal to send concise copies of the debt they claimed to be my own and their reluctance to provide documentation on paper as tho these secure messages or the actual dispute that they claim I owed I was in fear of incurring a late charge -- so when I paid this amount of {$170.00} the representative said the actual charge was {$160.00} but the extra {$6.00} was still outstanding on the account but was also not true because I closed all accounts without owing anything with {$0.00} balances. 
This charge was tagged onto my Chase Freedom card ending in XXXX that I subsequently paid on XX/XX/XXXX using my XXXX checking account ending in XXXX and posted as paid to Chase on XX/XX/XXXX the day I won this dispute after providing more documentation to prove my prior payment to the XXXX Disputes Team. This charge has also been removed from my XXXX account and balance {$0.00} now reflects to when this account closed XX/XX/XXXX. 
Please reach out to JPMBC to get a refund on this payment for which I didn't owe as I have repeatedly tried to work with this bank but they never wanted to work with me. 

JPMCB CARD Account XXXX XXXX Disputes Report Number : XXXX Date Generated : XX/XX/XXXX Thank You kindly, XXXX XXXX XXXX