23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage obtained in XXXX, and included escrow for taxes and insurance. Newrez/Shellpoint collected escrow, but did not remit payments, causing many problems. To clarify, they charged me the escrow but didn't pay the taxes or insurance. I submitted a CFPB and legal complaints, at which time Newrez/Shellpoint eventually paid the outstanding amounts. As part of the settlement, escrow was removed. My reason for requesting this was that Newrez/Shellpoing clearly doesn't understand the point of escrow. They know how to collect, just not pay. And that is the most important part of escrow. So, everything has been fine for 4 years, but in XX/XX/XXXX, I received a new escrow analysis showing that my escrow went up due to normal insurance increases. This would be fine except one small thing, as I mentioned, I don't escrow for taxes or insurance. So, I contacted them once a month for the last 4 months via phone. Each time, they tell me not to worry, it will be handled. Now, as of this month, my extra principal payment was applied to escrow, which is fraud, given that I do not have escrow. Also, it shows next month I need to pay a much larger amount, since the full increased escrow kicks in. So, if i don't pay, they will charge me late fees, but I should not have to pay. So, the escrow needs to be removed immediately AND my new monthly payment should be readjusted back to the P & I only AND all amounts held in escrow need to be RETRO actively applied to the principal, and my interest adjusted. Even if these amounts are small, this needs to happen, as they were fraudulently held.
Product: Vehicle loan or lease

Communicated Everytime I had uncomfortable payment delays and late fees/payments met each promise I made. Around XX/XX/XXXX I gave a one time only verbal communication for XXXX lies to speak with my neighbor, and then I received a letter dated XX/XX/XXXX stating I wished for a voluntary repossession which is inaccurate I never requested they reposess my vehicle. I received 2 letters from XXXX XXXX after they repossessed my vehicle stating they had somebody interested in purchasing my car auctions depleted willing to make an aggressive offer. I followed up with XXXX XXXX and spoke with a guy named XXXX they knew nothing about my car being picked up told me that finance Co can discuss with him on the buyer. I never received any offer the second letter said I was to review and options to find another vehicle XXXX XXXX never responded to my email asking about the details nor has finance Co responded. Instead keep adding derogatory delinquent payments to my credit.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. 

I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. 

I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. 

Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. 

Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score.

Both accounts have different information as you can see in the attach file in this report. Inaccurate like Different account number, account type, date opened the account and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the followings accounts. 
XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Student loan

So I have two loans. 
One to repay XXXXXXXX XXXX for a check they lost and another for the last XXXX XXXX. To avoid issue, I asked my financial aid advsior to fill out my paperwork. She either accidentally or on purpose, chose the option for interest repayment in school. I thought everything was fine. Well, in XXXX, I get a notification that I have a payment due. I was not entirely sure why, so I called. They explained it to me, I told them I didnt fill out my own form so maybe they need to reverse the decision or get into touch with the school. Well, that never happened. They put me in a repayment program and moved on. I called at least once or twice a month since then to get an update on the investigation. However, when I called back I received a different answer everytime. The final time I called was on XXXX XXXX when a representative told me she would follow up with me that following Monday. That following Monday came and she did not call back. I gave it a week and she didnt call. So I assumed she was busy and she would get back to me within 2 weeks. Well, 2 weeks turned into 2 months. XXXX XXXX XXXX XXXX XXXX XXXX, so time slipped from me. Now, they are telling me I owe {$480.00} and theres nothing they can do about repayment options or fixing anything. Even though THEY were the ones who did not call me back. Today, I was on the phone with several different agents. XXXX had consistent answers. At this point, I just want to refinance or something. Sallie Mae should be held responsible for their inconsistent, unprofessional business practices.
Product: Student loan

Simm Associates, Inc. ( XXXX ) XXXX contacted me regarding a private student loan. My daughter has several private student loans cosigned by other people. I have cosigned for my daughter but am unable to pay the delinquent payment. Simm Associates contacted me at my husband phone number I told them contact me on my cell phone number only. 
When they contacted me on XXXX XXXX, XX/XX/2015 at XXXX, the representative said I owed them {$87000.00} dollars of which I cosigned in my name. This is extremely untrue. 
I am not a cosigner for {$87000.00} I want them to stop calling me and send me emails only. Also, I want to send any funds to XXXX the originator of my loan in which I cosigned for daughter which totals {$16000.00}. I am no able to pay the full amount but would be willing to make a payment that is reasonable due to my financial circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Errors for Not Cross Checking the Dates to Resolve Incorrect Data. 


Equifax Failed to Correct Their Misreporting to My Credit File as the Dates of Last Payments Conflicts with Dates of Major Delinquency. 

Issue One 1 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR. 

Issue Two 2 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. Please update ASAP.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I have sold some BTC and tried to make the cash out transaction to my other personal bank account. I was able to XXXX withdrew of {$1000.00} on XXXX but then when I tried to make the XXXX withdrew, my account became restricted from making any additional withdraws. I've contact Coinbase numerous times via phone calls and social media but failed to get any meaningful response, other than telling me that their team is looking into this and that they will let me know once the review is completed. 


I need your help,
Product: Debt collection

I started getting the calls in XXXX of 2023, I sent letters to verify the dept. Show me my original contract with my signature and the card agreement. Also the proof that you have the right to sue for the dept. All they did was send me court papers with a copies of one of my credit card bills. I asked again, I have yet to get any reply.

I sent a letter to cease contacting me at my home and job XX/XX/year>2023. From that time to now, the call me 6 or 7 times a day. And 6 or 7 times at my Job. My Boss has gotten on the phone several times and ask them not to call, nicely and not so nice and that this is a business. That stopped nothing.

They call every day except Sunday. Its been going on for 2 years now and my Job is not being understanding anymore. This week alone I have 30 and its just Thursday. I can only imagine how many the shop is getting. I'm really starting to get in fear of loosing my job if this doesn't stop.

I've seen this on t.v. but I never thought it would be happening to me.

I appreciate anything you can do to help. 
Thank you so much XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove this account for violation because it is a collection account showing an amount past fue an a complete payment history XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX **************** {$6800.00} XX/XX/XXXX XXXX  XXXX ************ {$4700.00} XX/XX/XXXX XXXX **************** {$3500.00} XX/XX/XXXX XXXX  **************** {$2200.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Capital One Services ; is trying to collect a debt that's not mine. Capital One had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; Capital One then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, capital one understand that's its ID theft also ....
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.

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 Sta
tes : 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 XXXX 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

My problem is my mortgage company say I have an overage in my escrow every year and have been charging me more than my taxes and insurance every year, now it has gotten out of control and my taxes and insurance haven't gone up but my escrow keep going up for what reason I don't know. My mortgage is currently with seterus. Yes I have missed a month here and there over the 15 years I've had the mortgage but never have I been in forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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.
Product: Checking or savings account

Heres the revised version of your note : I am filing this report with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other deposits. Capital One has cited technical issues, which may constitute a violation of the Electronic Funds Transfer Act ( EFTA ), as the act requires timely access to funds. 

This issue raises concerns about the protection of my financial and consumer rights under the law. I kindly request your assistance in investigating this matter to ensure that my rights are upheld. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  date XXXX Balance : {$6000.00} XXXX XXXX DATE XXXX balance {$2900.00} In accordance with the Fair Credit Reporting act 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 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: Prepaid card

I have the claims with Bank of America due to being a victim of identity theft and my benefits being unauthorized and fraudulently used, despite me sending a Identity theft report from the Federal trade commission, A police report, a copy of my government ID, Bank of America has not refunded these unauthorized charges, even after I sent them via fax all documents proving I was a victim of identity theft and that my benefits were stolen. 
XXXX XXXX XXXX If the policy is ( Bank of America 's {$0.00} Liability Guarantee policy ) ensures that customers are not held responsible for any fraudulent transactions made with their Bank of America credit or debit cards. This policy is designed to protect customers from unauthorized transactions and provides assurance Why am I being held responsible for unauthorized and fraudulent charges? 


I asked for documents supporting why they denied my claim and did not reimburse me and all they sent was another letter stating that my claim was denied, no information why
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account im asking you to verify as accurate : account name is XXXX and the account number is XXXX, also the inquiries on date XX/XX/scrub>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

I have filed numerous disputes about portfolio recovery services. They have placed a fraudulent collection that is also too old to be on my report but XXXX  keeps verifying it as accurate even though it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a respond.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX  during the time this account was opened and closed and i filed a FTC Police report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so there is no way i could of opened this account if i XXXX XXXX XXXX
Product: Student loan

I have contacted XXXX multiple times to see how I can repay back my loans because the payment was too high for me to afford with a low paying job. I offered to pay the interest for a few months until I can figure out how to repay them. I also paid {$500.00}, {$600.00} a month every month for quite some time. They refused to work with me. They refused to take into account the few hundred dollars I was sending them every month. And then I went into deferment, got a lawyer and now currently in the process of declaring bankruptcy, to buy me time to figure out how to pay these loans back. Today I received papers stating I am being sued by XXXX. I really dont know where to go from here.