23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For seven years I have received periodic calls at my work office number from " National Credit Adjusters. '' Their number is XXXX. They say they are tying to reach someone named " XXXX XXXX. '' I have explained to them for the last seven years that ( 1 ) I 'm not XXXX XXXX ; XXXX 2 ) there is no one in our company named XXXX XXXX ; and XXXX 3 ) I do n't know anyone named XXXX XXXX. 

I would greatly appreciate it if you would get these XXXX to stop calling me.
Product: Credit reporting or other personal consumer reports

The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible
Product: Credit reporting or other personal consumer reports

15 usc 1666b a creditor shouldnt treat a payment as a credit card. Which this account from XXXX XXXX XXXX XXXX is a charge off.
Product: Mortgage

I received a making home affordable program payment made eight payments with a promise when the fourth cashed I would get XXXX. Chase foreclosed on the property XX/XX/XXXX, rescinded for closure XXXX and filed a lawsuit. XX/XX/XXXX at arbitration Chase stated no longer owned the note, so could not complete making home affordable program modification. XX/XX/XXXX Chase transferred and backdated to XX/XX/XXXX ownership of the note XXXX value. XXXX Chase for closed on the note, without owning the note also increasing note {$530000.00}. XXXX chase contacted owner of the note transfer note back to Chase. XX/XX/XXXX Chase filed a lawsuit asking the court to grant them quiet title backdated to the date of the foreclosure XXXX. Chase was unable to serve the lawsuit because its spelled the owners name wrong. The house has been empty off and on from unlawful detainer filed in XXXX without contacting the owner, XXXX two unlawful detainers filed one against unknown people Chase made up names without contacting owner on XXXX room cabin XXXX ft. added to the note in error. Chase is constantly filed fraudulent documents, recorded documents that contradict the previous claim, taking away in XXXX room Cabin from a XXXX man Chase has no right to. Can I demonstrate what extent the largest bank in the world will go to to steal the XXXX XXXX XXXX tax value that {$37000.00} please help?
Product: Credit reporting or other personal consumer reports

It has recently come to my attention XXXX Integra is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX  Integra reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report ( XXXX  ) beginning XXXX of 2021. This account does not belong to me and I would like it removed. I was a victim of identity theft years ago and majority of the fraudulent accounts have been resolved. However, this particular account continues to linger. Please assist.
Product: Mortgage

This is in response to a previous complaint that was closed for some reason without resolution. Freedom Mortgage has failed to address my issues. What they have said is false and illegal. I have reached out to a lawyer and reatin him if necessary. Please see below in regards to initial complaint # XXXX with the CFPB. 

This letter is being sent via Certified mail. 


This letter is in response to your statement regarding our mortgage and your failure to pay our insurance premium through escrow. 

What you have stated is false information regarding coverage. I have kept all documentation as well as voice recorded information from Freedom Mortgage stating that I had insurance for said period between XX/XX/2020 and XX/XX/2020. As the responsibility of Freedom Mortgage being said lender, they must not simply " assume '' that we had coverage and had paid for this policy myself as this is why they hold my money in escrow, to pay these bills when they are due, and Freedom Mortgage failed to do so. The responsibility falls on you to assure that their account holders are in fact insured and paid in full and on time. I was never contacted by anyone during this time period to inform me that we were not insured. As stated earlier, we have recorded proof as well as physical documented proof that Freedom Mortgage stated to me that we were insured at the time damage occurred. Additionally, we sent a certified letter to Freedom Mortgage specifically stating that they are NOT authorized to place lender placed insurance on our home and bill us for this, as the lapse of insurance is their fault. I am confused as to how they are pinning this on us. Federal law requires a loan servicer to send notice to the homeowner at least 45 days before it buys force-placed insurance. The servicer must then send a second notice ( a reminder notice ) no earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. ( 12 C.F.R. 1024.37 ). These procedures were not followed, and again we are stating that Freedom Mortgage is in fact responsible for this mistake. One must ask the question, if we are required by Freedom Mortgage to have an escrow specifically for paying insurance and taxes, how do you simply assume that we paid it ourselves? We are asking for Freesom mortgage to either pay the forced insurance in full, provide us with a {$1000.00} deductible that we should have had and assumed if Freedom paid our premium as required. 
In conclusion, I am expecting a timely response from you regarding my above statements. I will also be requesting any recorded phone calls that were made between myself and Freedom Mortgage. I have contacted the VA regarding this matter. Additionally we have retained legal counsel. The firms contact information is listed below ; they can be contacted via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Perhaps if Freedom Mortgage fails to remedy this situation, perhaps the court will. 

Regards, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I made a balance transfer as an authorized user from my wife XXXX XXXX XXXX ( XXXX XXXX ) to my XXXX XXXX XXXX ( XXXX XXXX ) for XXXX dollars. 
The money was posted on my XXXX XXXX account and since I had only a balance of {$33.00} only I asked XXXX XXXX to mail me a check for the difference They told me we can not and the {$19000.00} that I have as a credit in my account has to be sent back to the exact sender which is XXXX  XXXX  ( affiliated with XXXX XXXX ). This amount of money was not posted in my wife XXXX credit card account., I called XXXX  XXXX and, they said we did not receive anything. 
I contacted XXXX XXXX ( XXXX XXXX ) they told me that a check for the amount of {$19000.00} was received and cashed by XXXX XXXX ( which originally sent them the {$20000.00}. check ) and they sent me a copy of the cashed check that they received on XX/XX/2017 ..I filled a couple of disputes for {$19000.00} that XXXX XXXX received though their XXXX system. and they rejected both of them. I spoke to a higher management at this bank her name is XXXX XXXX, she told me that they got the money and they are working on it to put it in the account and promised me she will call me when it is fixed. I tried to contact her and I am getting an answer ( she is not available ) all the time .I am not getting anywhere with this bank I have the proof that they cashed this check from XXXX XXXX on XX/XX/XXXX.I want this problem to be fixed as soon as possible it is almost 4 months now since they received and cashed the check. I never experienced and expected something like this happens in the USA. There is something wrong going on in this bank and has to be corrected.
Product: Debt collection

I received a letter/statement dated XX/XX/XXXX from a company called Ditech. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them on XX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( XXXX ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from Ditech. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that Ditech or XXXX had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 XXXX statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to XXXX, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by XXXX on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the XXXX statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to the XX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why Ditech says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion decreased my credit score XXXX points. When checking to see what has changed my XXXX XXXX went up {$2.00} dollars. Documents attached.
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The self credit card are emailing to make a payment when they had closed the account and sent a check back to me, They email me to pay a balance of XXXX. XXXX closed the account and i ask to opt-out and now its effecting my credit. the limited was a XXXX dollars charging late fee 's which are transaction
Product: Checking or savings account

I'm filing a complaint against Bank of America due to the fact that they profile me and decided to false accuse me of depositing a counter fake check. 
Around XX/XX/2023 I deposited at a Bank of America ATM 2 checks that I received by mail from my XXXX XXXX ( XXXX XXXX  XXXX ) ; one for the amount of {$2600.00} and another for the amount of {$2700.00} for a total deposit of {$5400.00}. On XX/XX/XXXX, I received a notification that the checks were not going to be clear until XX/XX/XXXX. I called the institution for answers and for my surprise they told me : " I was under investigation due to counter fake check and that my account was getting close ''. On XX/XX/XXXX they locked my account and left me with no money away from home, without a valid reason. 
I went personally to XXXX XXXX, FL XXXX to show the documentation that my XXXX provided me as an evidence ( See the attached documents ). Routing numbers of the checks are valid and belongs to XXXX XXXX XXXXXXXX. 
I've been calling multiple times and every time is a different person, a different supervisor, a different story. I was supposed to receive my checks back by mail but no checks have been sent and I need my money to be able to return to XXXX and buy my XXXX supplies and clothes. This situation already cost me 2 XXXX XXXX visits.
Product: Mortgage

Two issues with Arvest Mortgage 1. They are slow-walking my escrow refund. The My original request was made in XXXX. They have requested forms to be signed and payments to be made. They claim to lose the forms and the checks. They are holding {$10000.00} of my money. I have asked repeatedly by phone, email, and letter. 
2. In early XXXX they promised to pay my property taxes in XX/XX/XXXX. Instead they paid them in XXXX, which cost my {$840.00} in extra federal income tax.
Product: Credit reporting or other personal consumer reports

Per our last discussion, you openly admitted that on XX/XX/XXXX2023 my account was charged off due to non-payment with a balance of {$1000.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication 4681 ( 2023 ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.
Product: Credit reporting or other personal consumer reports

I am writing to you once again, now for the seventh time, to beg for your help in removing unauthorized inquiries that continue to report on my credit file. I want to be very clear : I have no recollection of ever opening or authorizing these accounts. The presence of these inquiries is causing me significant stress and is unfairly damaging my credit score.
Product: Debt collection

There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.
Product: Mortgage

Freedom Mortgage bought out my previous mortgage company as of XX/XX/XXXX. Prior to the buyout, my monthly payment was {$820.00} inclusive of mortgage, taxes, insurance, and FHA Mortgage XXXX. 

As of XX/XX/XXXX, I canceled my previous XXXX XXXX as I was able to bundle XXXX with XXXX for much cheaper. From day one, they were charging me the wrong fee for my insurance payment. 

My new payment is now {$880.00} which I have questioned as my taxes and Insurance have decreased and as such, my new payment should have reflected the revised Insurance and taxes. Over the course of a year, I have received numerous statements with different analyses of my escrow, all of which all incorrect. My mortgage statement dated XX/XX/XXXX states once again that I have a shortage in my escrow in the amount of {$1600.00} and therefore, my payment increased to {$980.00} which will be spread out over the course of a year. I have several statements which I can forward upon your request. 

I have a fixed rate of 2.5 % FHA Loan and last year I was informed by a rep that I could pay my taxes, and XXXX XXXX separately all the while explaining I am not eligible due to the type of mortgage I have. I was also informed once I reach 80 % loan to value, I could drop the PMI again explaining that insurance remains for the duration of the loan. 

My monthly payment is {$880.00} of which {$520.00} is the monthly principal and interest payment and the remainder of {$350.00} is to pay XXXX, taxes, and PMI. The math doesn't add up as {$350.00} x XXXX is {$4200.00} of which is to pay yearly taxes of {$1200.00}, XXXX {$1500.00}, and FHA Mortgage XXXX {$1000.00} which totals {$3800.00}. There are numerous complaints against this company and I am asking for my escrow to please be reviewed and resolved as I can not continue to spend countless hours on the phone to get this matter resolved. I have lost countless hours of sleep and it consumes my everyday tasks, especially my job.