23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) inc. based in XXXX XXXX XXXX, Utah took over my mortgage from XXXX. I have three specific complaints against SPS. <P/>( 1 ). During this acquisition, I had a home insurance recovery fund with XXXX. XXXX already paid two installments of the insurance recovery fund and did necessary inspection to pay the 3rd & final installment of the fund ( approx 13K ). <P/>Since the takeover, SPS is giving me run around and as of yet did not release the final installment of my recovery fund. After 9 months of pursuance, SPS finally did an inspection and now saying they have to verify some info with XXXX and froze my fund!! This situation is holding finishing my house work costing me additional living expenses. I am living out of home because I can not complete the restoration work without the insurance recovery money and SPS has already delayed 1 year. SPS is causing me immense hardship and disrupting my personal, social and married life. <P/>( 2. ) During the acquisition, my principal balance with XXXX as of XX/XX/XXXX was $ XXXX whereas SPS is showing $ XXXX as my principal balance. After repeated requests to correct this, SPS is not correcting the amount. I have statement from XXXX showing it was XXXX during the acquisition. <P/>( 3. ) My previous home insurance company dropped me in early XX/XX/XXXX due to hurricane reduction. I got a new home insurance and all documents were sent to SPS via fax and U.S. mail on XX/XX/XXXX. SPS as of today did not pay the premiums to the home insurance company and the new company is about to drop me. <P/>Basically, SPS is playing a foul game and causing me serious financial hardship. My social and married life is at jeopardy for the same reason. I did not choose SPS and I have no role in their acquisition of my mortgage. They are holding my last and final installment and not letting me finish the house work. I am paying my mortgage regularly but I am out of that home for more than 1 year because of SPS.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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
Product: Payday loan, title loan, personal loan, or advance loan

I was eligible to refinance on XX/XX/XXXX, I was denied due to the company not excepting my bank. I was denied. I spoke with customer service and was told to change my bank account and reapply. Once I changed my account and XXXX pay periods was showing. I went to reapply and now the website is stating that XXXX not eligible I need to make XXXX additional payments and my next payment due is XX/XX/XXXX. I even spoke with the collection department and was told that my account is not in delinquent status. Even though I had missed a payment in XXXX. Due to payroll botching up the allotments. Also I I make payments if XXXX faithfully every XXXX weeks, why out of XXXX per month only XXXX dollars is going to the principal. I was told that its the interest that is being charged per day if the full balance. Thats a complete rip off
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Product: Mortgage

I am making payments regularly to pay my mortgage in advance by sending in weekly or biweekly payments to pay additional principal each month. I am not doing this because I can not afford my mortgage. I am paying to pay additional funds towards my principal. 

Instead they are putting my funds in suspense, not applying my overpayment, and sending me loss mitigation. Right now with a credit of over {$780.00}, I have late fees on my account despite an overpayment. I do not understand why they are refusing to take extra money. Shouldnt I be allowed to pay more?
Product: Credit card

I had a capital one quicksilver card, which I don't use too often. I did however have rewards credit of {$140.00}, in cash, not miles. Whenever I would try to use the card I would get an error saying it was declined. I went to the website and ensured the card was activated as I recently received a letter saying the account would be closed due to inactivity. I just today got a message the account has been closed and I am not longer able to get the {$140.00} credit as the account has been closed. I asked them to open the account again, as I have proof of trying to use it or to somehow redeem the $ I had on the card, but they declined to offer any type of help. 

Seems unfair to not offer anything for a to keep the account open so I can at least use the money I had on the card. I have text messages showing the card was declined, even though it was in good standing and a XXXX balance.
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 Consumer 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 do not comply with 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.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE BANK USA Revolving with account # XXXX opened on XX/XX/year> and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
CAPITAL ONE BANK USA Revolving with account # XXXX opened on XX/XX/year> and a balance of {$840.00}. 
This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$1400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXXXXXX XXXX XXXXXXXX with account # XXXX and a balance of {$6500.00}. The original creditor is XXXX XXXX GA. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

UCC : * XXXX. EFFECT OF ERRORS OR OMISSIONS. 
* XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL * XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
* XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX
Product: Mortgage

On XX/XX/2022, I received a voicemail from a researcher and investigator from Amerihome Mortgage, in reference to finalizing my forbearance. The message is from XXXX XXXX and he states that my forbearance was being finalized and they were working on getting the documents mailed for me to sign them. Since then, I have not received any documents in the mail and each time that I contacted Amerihome in reference to this issue, they have requested that I submit a new application and supporting documents. I have since submitted 2 new applications and supporting documents. Both applications have been rejected due to additional documentation needed. I don't understand how I was approved for forbearance in XXXX and I never received the paperwork. I feel that there is a game being played and unfortunately, I have not been able to receive a forbearance and now I am in jeopardy of of losing my home. 

In addition, Amerihome has sent someone to my home on XX/XX/2022 to inspect my home. I don't understand why they would send someone to inspect my home, when they are fully aware that I am occupying the home and they know that I plan on staying in my home. 

Amerihome is clearly overstepping their boundaries and violating the mortgage laws. I refuse to be taken advantage of and I request an investigation. 

Please look into this matter as soon as possible. Thank you in advance. 

XXXX XXXX
Product: Mortgage

We purchased our home in XX/XX/XXXX. 
We have not missed one payment and pay early each month. 

InXX/XX/XXXX, RoundPoint mortgage send us a refund check of about {$2500.00} from our escrow and told us our monthly would go down about {$120.00}. 
A few weeks later, after we used that $ for other obligations/debts we had, we received a tax bill of about {$4900.00} We promptly contacted Roundpoint to ask them why we were getting the bill and to ensure they would be paying it. They assured us they would and asked us to send them the bill, which we promptly did. The bill which was due in XXXX, still was not paid in XXXX. We called. They told us they would be paying in XXXX, and could do that without incurring penalties. 
At this time of the call, in XXXX, we also asked clarification and concerns regarding whether or not our monthly would be enough since the tax bill was 50 % more than what they had estimated all year, despite the house being appraised in the spring of XXXX. While our property went up in value, their estimation of the tax bill was still way off based on the sale price of the house. We never had issues with mortgage companies before and didnt think of doing more research and assumed they knew what they were doing. 

Comes XX/XX/XXXX. We are about to file our taxes and realizes RoundPoint still has not paid our property taxes. We promptly called and complained and ask them to do that. 
But we are now unable to claim property taxes payment on our XXXX Tax return, which leaves us short of {$1100.00} on our annual tax refund. Which is money lost.. 

They supposedly have paid the taxes this week, precisely on Tuesday XX/XX/XXXX according to them. But as of today, Thursday XXXX, while the amount is not longer in our escrow, the XXXX county tax website still shows us as unpaid and have not received payment, which means another penalty will be incurred today. 

Furthermore, we expressed our concerns again about the XXXX still showing an estimate tax bill of 50 % of what our XXXX ended up being ( information they now have had for a long time ). they said an analysis would be done in 2-3 months to which we said absolutely not we want this done now. 

We havent received the official results of the analysis yet. But from the phone call we received it now sounds we will owe an additional {$420.00} in monthly payment, which is a huge amount on a mortgage like ours We find it unacceptable that just a few months ago they refunded us {$2500.00} and decreased our monthly despite us expressing concerns and now want {$420.00} a month to allow a 2 month cushion and to ensure they will be enough for insurances and taxes.

We also show only one month of premium pay to our PMI in XXXX - where is the rest? we need clarification on this. 

We didnt choose RoundPoint our mortgage got sold to them and obviously they do not know what they are doing. Reviews online are horrible! While we got some phone calls from them, we have also emailed them and sent messages through the message center and have received zero formal written communication from them. We have traces of all our communication and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time attempting to have XXXX, XXXX, and TransUnion remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.
Product: Mortgage

I AM TAKING AN EDUCATION COURSE THROUGH THE LOCAL COMMUNITY COLLEGE AND FUNDS ARE AVAILABLE TO THE PARTICIPANTS TO PAY HOUSEHOLD MONTHLY EXPENSES BUT THE COLLEGE REQUIRES THAT MY MORGAGE COMPANY COMPLETE THE VENDOR APPLICATION AND XXXX FORM IN ORDER TO RECIEVE PAYMENT - I FORWARDED THE BLANK DOCS ALONG WITH MY LETTER OF INSTRUCTION BACK ON XX/XX/2023 AND SINCE THEN I HAVE CONTINUOUSLY CALLED TO CHECK THE STATUS - SINCE THEN I HAVE FALLEN BEHIND ON MY MONTHLY PAYMENTS AND I AM NOW RELYING ON THIS ASSISTANCE IN ORDER TO CATCHED MYSELF BACK UP TO CURRENT - THE MORGAGE LENDER HAS EXCEEDED THE 30 DAY TIME FRAME AND THE STATUS STILL REMAINS OPENED AND UNDER REVIEW- I HAVE CALLED MANY TIMES AND ASKED FOR MY CASE TO BE ESCALATED - I WAS ASSURED THAT A SUPERVISOR WOULD REVIEW AND CALL ME BACK OR THAT THEY WOULD REACH OUT TO ANOTHER AREA IN THE COMPANY AND CALL BE BACK BUT I HAVE GOTTEN NO CALLS FROM MY LENDER AND NO RESOLUTION IS IN SIGHT - I AM NEARING THE END OF MY EDUCATION COURSE AND FEAR I CAN MISS MY OPPERTUNITY FOR ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX
Product: Credit card

Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Experian from in XX/XX/XXXX regarding the incorrect credit hard inquires that are fraudulent/errors/ and are not me. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Please help me have them deleted/removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax settlement administration admitted was apart of latest breach and inaccuracies on personal information on credit file due to FTC VIOLATION in due max penalty fine imposed
Product: Credit reporting or other personal consumer reports

I wrote your company a dispute last month XX/XX/year>, and I explicitly stated the accounts that were fraudulent and in question ; nonetheless, there are still accounts on my credit report that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX  XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. EQUIFAX AND XXXX  ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for XXXX XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!
Product: Checking or savings account

Ive been trying to set Up my XXXX account for my apartment, due to covid money is tight and this is the only way I can Pay rent on time right now. My account says Pnc isnt letting me connect my account so this needs changed or unlocked or something
Product: Checking or savings account

The dates are not exactly clear because we've had different responses from Great Western Bank. They've refused to work with us. They also sent us a letter saying to stop contact with them, and accused us of harassment. In mid XXXX of XXXX our bank account was levied for a unpaid credit card. I had deposited my check on a Friday and Monday morning my card was declined. The XXXX county sherrif department issued the XXXX. Great Western Bank honored the XXXX putting account at XXXX balance. Then they charged us {$90.00} for a XXXX fee causing account to go negative. There were bills pending prior to XXXX XXXX XXXX XXXX XXXX XXXX, causing account to go further in debt we were unable to do anything at that point. On XX/XX/XXXX the account was charged off, and by the end of XXXX was sent to collections. My wife 's grandmother had passed away in the beginning of XXXX. We believe there were possible funds that were to be deposited into that account. The manager of Great Western Bank in XXXX XXXX Iowa knows all of us personally. There is a great conflict of interest concerning this matter. My wife was a signer with her grandmother who also had a account at great Western Bank. They refuse to give us any information. The XXXX county sherrif deptmart XXXX was supposed to last 4 months. We had no chance of recovering the account, and the XXXX left us financially ruined. Also we found out there was a great Western bank account set up in XXXX with my wife and her mother in there maiden names. They both did not have there maiden name in XXXX. We inquired with the bank about this account and they told my wife she wasn't entitled to any information about the alledged account. My wife had that account since she XXXX years old her grandmother set it up for her. She later added me to account and the XXXX was my responsibility. There were pending child support payments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported as verified. Improper investigation. And reporting closed accounts. I get a proved for anything and it's my families quality of life financially. I'm a XXXX percent XXXX veteran in financial hardship.