23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

We have repeatedly contacted the company LoanCare about the issues of our previous complaints, and after receiving word from CFPB, they finally began listening to what we have to say. The latest packet that we have received from Loancare states that we still have XXXX and XX/XX/XXXX as well as XX/XX/XXXX payments to pay off. This all alludes to a total of {$7100.00} which we have already paid because we follow our scheduled monthly installments. We have repeatedly sent out proof of payment, and there is always a new month from a previous year which they claim we have not paid. We have paid all of our mortgage payments and taxes on time. XXXX XXXX claims that they have paid two Quarterly taxes, one of which got sent back to them as a refund, and they sent it to Loancare. Loancare claims that they have sent our one Quarter tax money to the township. The township will not accept that money because we have already paid the township directly. The other quarter that XXXX XXXX  paid to the township got refunded back to us, and we sent it to Loancare. If the parties involved could find the money that Loancare apparently sent to the township, yet the township did not accept, this issue would be resolved. 

The next issue at hand is regarding the escrow account that Loancare opened despite us having paid our escrow to our township among our other payments. After receiving word from CFPB with our previous complaints, Loancare claimed to have removed our escrow from our account and issued us an escrow refund. However, they claim to have refunded us after satisfying our escrow advance balance with a total of {$1800.00} remaining to give back. They should be refunding us {$3800.00} because we do not have any balance regarding escrow with Loancare. This {$3800.00} is the money that XXXX XXXX  sent to Loancare ( refer to the first paragraph ). As previously mentioned, we handle our escrow through the township. Thus we sent back the {$1800.00} back to Loancare because it does not belong to us. If Loancare were to distribute the funds in which they claim to return to us to where they claim they are missing payments from, the missing money issue would be resolved. However, Loancare claims that the current required payment is {$7100.00}, which is entirely not plausible. For the past 11 years, we have consecutively paid off our principal and interest to our lender. It is after XXXX XXXX sold to Loancare that these issues began arising for not just us but a whole community of others. Please try and help us with this issue as they refuse to listen without legal or government pressure. We have all the proof necessary to show that we pay our mortgage and taxes on time. They have obliterated my credit score on the claims that I have payments pending. Please help us as this has become our worst nightmare, from threats of foreclosure to hanging up on calls with us after holding for hours.
Product: Mortgage

I asked for a modification in 2017 and they forced me to sign one that raised my mortgage Payment from XXXX to XXXX and extended it 16 years an i have been paying on it yet my principle never moved from the original amount. The pa attorney general took them to court yet they never helped me even when i complained about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Transuion, XXXX Letter to remove Inaccurate Credit Information To whom this may concern, This specific letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please do me a favor and investigate as well as verify that all data for this account is reporting accurately as well as include every notion of date and balance whether reported or not. 


Dispute late payment - XXXX XXXX  XXXX XXXX Account starting ( XXXX ) XX/XX/XXXX XXXX, XXXX and XXXX of XXXX I would like to also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report within the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. It is my understanding that evidence must be provided within 15 days of the completion of your investigation. I also have read and understand that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must also validate these particular items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. Iknow this must be complete within 30days of receipt of the letter, or you must remove the incorrect information.

Please be sure to send an updated copy of my credit report to the above address. 



Thank you ahead of time for your time in this concerning matter. 
Sincerely, XXXX XXXX XXXX SSN : ( XXXX )
Product: Mortgage

I am a XXXX veteran who has real estate tax relief and use auto pay directly from my bank to my mortgage company every month on the first of the month. 

I also provided documentation of this to my mortgage company several times. 

My mortgage company overpaid my real estate taxes in XX/XX/XXXX and increased my escrow payment {$200.00} effective XX/XX/XXXX. This had happened with previous mortgage company and when I contacted them over the phone they told me to just continue with your regular payments as it may take a couple months to catch up.

I called them several times to explain my county had refunded the taxes and requested a escrow review. 

When an escrow analysis was conducted in XX/XX/XXXX, my payments were reduced an {$800.00} On XXXX XX/XX/XXXX I sent a certified letter to my mortgage company requesting all late fees on my account be remove and all negative reports to credit bureaus be rescinded. 

The mortgage company replied that they completed an escrow analysis on XX/XX/XXXX using real estate taxes and insurance raising my escrow requirements.They feel they are justified in charging me late fees and the negative reports they have sent ot the credit bureaus. 

Even though I consistently disputed the erroneous information on the taxes for they used for the audit. 

On XX/XX/XXXX the mortgage company performed a review of my escrow account and corrected escrow requirements and refunded me {$790.00} and decreased monthly escrow payments. 

I continued to pay my mortgage with auto pay directly from my bank every first of the month, I disputed the escrow amount. In XX/XX/XXXX, the mortgage company adjusted escrow correctly and confirming I was correct in my request. 

I do not believe I should be penalized with late fees and multiple negative credit reports when they refused to review the XX/XX/XXXX escrow analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loans from XX/XX/XXXXshows that I still owe a balance. It was discharged in XX/XX/2022. It needs to be updated correctly
Product: Debt collection

This complaint is in regards to " Convergent Outsourcing, Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, WA XXXX Twice I've gotten letters in the mail from this agency stating that " They have been authorized to accept payment of XXXX % of the total amount owed, which is XXXX, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. ) The top of the letter says I owe XXXX dollars. 

After doing some reading on Convergent, this is a scam. 

I was XXXX XXXX XXXX when I broke my contract with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are able to get out of cell phone contracts. 

If XXXX forgot to dot an I or cross a XXXX, that's not my fault, I hav n't used XXXX since XXXX, and I'm just now getting a letter for this? 

Clearly, Convergent is attempting to scam me. I left XXXX with a clean slate, and if XXXX for some reason didn't update something, again, XXXX, I'll provide all the evidence I need that I was XXXX XXXX on a XXXX overseas. 

The Audacity of this company. 
I don't know how they think I owe XXXX Money, but I was able to cancel my contract with XXXX due to leaving for an XXXX XXXX XXXX.
Product: Debt collection

This debt collection company ( Williams & Fudge ) is using an automated call system, an autodialer, to place calls, in violation of 47 U.S.C. 227. This is after speaking with them, telling them to cease and desist and verbally declining permission to use an autodialer to facilitate contact. In addition, despite not answering, they continue to call, repeatedly flouting " Reg. F 1006.14 ( b ) ( 2 ) creates a presumption of a violation where more than seven unanswered calls are made per week '' by stopping their autodialer at 7 calls per 7 days. They purposefully take it right to the line.
Product: Credit card or prepaid card

I had a credit card opened in my name from XXXX that was used for a XXXX XXXX store card I never opened this account I am trying to get this resolved now account was opened on XXXX of XXXX payments were made on this account last payment was made in XXXX of XXXX for the amount of {$220.00} I never received statements in the mail for this account the statements were going to another address other than mine the account is now closed and in collection for the amount of {$3400.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I already submitted a complaint, ref # XXXX. However, I need make a correction on the mortgage payment amount referred to in two areas of my complaint. Since this can not be corrected, I am submitting this new complaint. 
On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which totals to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time. That amount is for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and this resolved. 
Sincerely, XXXX XXXX SPS Account # XXXX
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 Loan number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX Account XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX {$19000.00} XXXX XXXX Account XXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( 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

I send them a letter, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34. They did provide validation in 30-day Debt validation period it has ended and they FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c )
Product: Mortgage

I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go. 
I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time. 
Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.
Product: Credit card

I opened a secured credit card account with First Progress Card. The reason I'm reaching out to you is that they have refused to properly investigate fraudulent activities on a credit card I barely used and have never used in over a whole year. The only thing I remember doing is paying the annual fee of {$39.00} since I opened this account in the year 2018 A few months ago I received an alert for a statement balance on this card I've never used. I've reached out to First Progress Card to resolve this issue and they have refused. I'm being accused by them of making those expenses/purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX made an unauthorized inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Pull my credit and i did not authorize them to pull. 
XXXX XXXX XXXX, pull my credit on XX/XX/, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XXXX XXXX XXXX. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXXXXXX XXXX account ( opened XXXX ) ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. XXXX, XXXX, and Transunion are still reporting this account.
Product: Student loan

XX/XX/2019, I got a phone call from the Student Loan Financial Assistance program. They call themselves SLFA. They reported that I was liable for a student loan forgiveness plan due to income. They seemed super legit. They have a website, and they gave me a phone number to call. They already had all of my information, including my social security and my address. I didn't give them either of them. I figured the only way they could know that was if they were a real company working on my loan. I was advised that if I paid XXXX for 5 months, the rest of the year I would make XXXX $ payments. After the year my loan would be put on hold as long as I kept the same income for the 105 months it would take to pay it all off. After the year of paying XXXX for 5 months and XXXX for 7 months I would not be reliable to pay any other monthly payments towards my loan. XXXX was taken out of my account XX/XX/2019, then again XX/XX/2019. No other money was taken out so it seemed legit. I recently got a call from my loan office saying I hadn't paid my monthly dues since XXXX. I went to the " account '' I had with XXXX and it states that I have paid XXXX and owe them a late fee of XXXX XXXX I tried to call them for answers and they hung up on me.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX