23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. 

When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. 

The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.
Product: Consumer Loan

In 1991 my wife and I received a XXXX loan due to the earthquake in California. After a year or two they sold the loan to CSC Logic. For the last 22 years I have been trying to secure an annual statement from them showing beginning balance, payments, total interest, principal reduction and ending balance. I can not get to any managers, officers or find the company online. The only information I can get is their a division of CSC
Product: Debt collection

My account with XXXX XXXX was closed XX/XX/XXXX and I had clerk to verify both units was empty. Now I have a collection stating I open in XX/XX/XXXX and past due as of XX/XX/XXXX of XXXX. I have talked to them several times telling them my account was closed with the clerk in XX/XX/XXXX. I was told clerk did not close the account out correctly. I moved out before another due date and clerk stated she terminated contract and I didnt need do anything else and I didn't owe any more money. Now they want me to pay for something I didn't have and didn't use. Very unprofessional and should train employees correctly to handle such transactions to keep patrons from going through distress to prove their truthfulness when the employee did not follow through the termination accurately on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in XXXX reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, Commenity bank do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. The following accounts were used unauthorized and it affects my finances badly. I need help, I demand to remove the following accounts from my Credit Report! 
XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card

I received an email reminding me to pay my open balance of {$720.00} by XX/XX/year>. The payment was sent on XX/XX/year>, accepted on XX/XX/year>, confirmation number is XXXX. The problem is that I never pay any of my bills late. If this was set up for automatic payment, they would have been paid twice. They have not responded. If they are doing this to me, how many other people are experiencing the same problem?
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled RESURGENT/LVNV FUNDING Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

When I left XXXX XXXX apartments the property manager told me that they had already rented my apartment and said I don't owe any lease termination fees or any additional months of rent. She told me I owed nothing. 

I never received any bills from XXXX XXXX or anything else and suddenly this appears on my credit report from Fair Collections and Outsourcing and has made a huge negative mark on my credit. 

I do not owe XXXX XXXX anything and this debt is invalid and not mine.
Product: Payday loan, title loan, or personal loan

i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations
Product: Money transfer, virtual currency, or money service

I am living abroad in XXXX and have no physical card. I can not withdrawl cash with a virtual wallet. I signed up for WorldRemit yesterday ( worldremit.com ) because they advertise the website as an option to send money abroad, and to yourself, and pick it up in minutes. I tried twice to send to myself when given a dropdown list of options which include the option to self-send cash. IMPORTANT! I had already verified my ID and was accepted and had dual factor authentification initiated. PER THEIR WEBSITE FAQs! WorldRemit states in their question section word-for-word ( link attached to page ) : Can I send money to myself with WorldRemit? 
Yes. If you're on holiday, studying abroad or working overseas, you can send money or airtime to yourself with WorldRemit. 

Collect cash in a nearby shop, pick up funds from a local bank, get an instant transfer to your mobile money account, or top up your phone on the go. The choice is yours. 

LINK : ( https : //www.worldremit.com/en/blog/product/most-asked-questions ) -- -- -- -- -- -- -- -- -- -- -- -- -- My transaction of {$220.00} to myself was instantly denied twice by them when my bank did not deny on their end, and confirmed my use. I didn't understand why I was being denied so I reached out to customer service ( transcripts below ), and asked why I was denied. After XXXX minutes of waiting, a chat representative joined and when I asked HE/SHE STATED WORD FOR WORD ( attached below ) and did not even answer my question : " Your transaction has been cancelled because you can not send it to yourself '' ignoring my question of why, and when I asked again twice simply stated I would recieve a refund and left the chat. Keep in mind, after every purchase a confirmation email is sent from the company, I never recieved XXXX. I tried again this afternoon to send to my girlfriend, it was approved, I WAS CHARGED {$250.00} WITH XXXX CONFIRMATION EMAIL OR CHAT HELP and remained void and when I requested to cancel, no email as well. No email of confirmation, XXXX XXXX breach of policies on their end ( their own ), non-transparency, etc. I was verified, all information legal and correct on both ends, I have an address and ID in XXXX, and in the XXXX, so does my girlfriend, both verified. I called by phone to find a solution, waited an hour, and an actual agent answered and simply said " no phone '' and hung up, XXXX clue why or how this is legal or on what basis.
Product: Debt collection

XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off account from XXXX XXXX on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by XXXX settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by XXXX XXXX & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and Experian who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
Product: Mortgage

In XXXX I took advantage of a program called XX/XX/XXXX I qualified for $ XXXX assistance that went towards my principal that brought my home in line with the current market value. In XXXX, XX/XX/XXXX transferred the servicing of my loan over to Select Portfolio Servicing. I have been trying for the last year to have the PMI removed in which they were the ones who initially brought to my attention that my LTV value would permit it. They have giving me the run around after I paid their BPO they use {$120.00} to come out and give them the value of my home. The PMI costs me {$99.00} per year, which in turn has cost me over {$1000.00} and climbing because they refuse to release that amount due every month. We have gone back and forth from them telling me that I don't qualify due to having been late on my payments, to the value of my home, etc. When you call the company most of the representatives seem to not even be familiar with the mortgage process or verbiage when asking questions. So there in itself seems as though they hire incompetent people to assist homeowners. The balance on my home is {$150000.00}, the value of my home is over {$220000.00}. I feel like I'm apart of some type of predatory servicing company.
Product: Credit card or prepaid card

Capital One- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid. 

XXXX XXXX- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid.
Product: Credit card or prepaid card

Everytime I make a payment on my capital one account they hold my payments without notices for almost 10 business days. This is every single payment. I have called capital one on this and they advised me they can do whatever they want. My last payment was on XX/XX/21 and that payment still HASNT posted to my available credit. Capital one deducted this from my external checking on XX/XX/21 and the funds cleared. However even though I have proof they deducted my account over a week ago. They still dont care. This is reflecting my account - {$5.00} however again availability of credit shows {$0.00} this means I cant use the card. Ive called multiple times asking if I can use the card for gas and they dont care. They told me I need to wait until they decide to release my payments. They also told me they can hold my payments anytime they see fit even though they received the funds. So basically capital one takes your money and then holds your money instead of applying it to your card. They never advise you their holding the payment in fact they show it posted. Which is misleading. 

In addition to that capital one shows a fraudulent checking account on my profile I never opened. It says joint and thats a lie. It has an address thats invalid and its negative. I did call about this. Since then I filed bankruptcy because the identity theft the checking account thats fraud was included which was discharged I want this account closed and my liability removed.
Product: Consumer Loan

My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. 
XXXX one of there Reps sends me Repo letters when my payment is late one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.
Product: Checking or savings account

$XXXX  deposit unjustly kept by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I fully paid off a debt that had been transferred to a collection agency by XXXX XXXX XXXXXXXX. It is important to note that the debt was sold to the collection agency without my consent, which I believe is a violation of my rights as a consumer. After paying off the debt in full, the collection agency assured me that the charge-off status would be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and Equifax ) XXXX 

However, despite their promise, the charge-off remains on my credit reports, negatively affecting my credit score. I have contacted the collection agency and the credit bureaus multiple times since then to have the charge-off removed, but no action has been taken to correct this inaccurate information. 

The original creditor was XXXX XXXX XXXXXXXX, but they transferred the debt to a collection agency without notifying or obtaining my consent. I have attached proof of payment and correspondence with the collection agency confirming the debt was paid in full. Despite the debt being settled, the charge-off remains on my credit report, and I am requesting that it be removed immediately as it is causing unnecessary harm to my credit profile. 

*Dates Involved : * - Date of full payment : XX/XX/year> - Date when the charge-off was supposed to be removed : immediately paid *Actions Taken by Companies : * - The collection agency promised to remove the charge-off but failed to do so. 
- I have contacted XXXX, XXXX, and Equifax regarding this issue, but they have not removed the incorrect information from my credit report. 

*Relevant Consumer Protection Law : * Under the *Fair Debt Collection Practices Act ( FDCPA ) *, consumers are protected from unfair debt collection practices, including the unauthorized sale of debt. The sale of my debt to a collection agency without my consent could be a violation of this federal law, particularly if I was not properly notified. I request that the charge-off be removed from my credit reports with XXXX, XXXX, and Equifax as soon as possible, and that my rights as a consumer be fully respected.
Product: Mortgage

XXXX XXXX XXXX XXXX - failed to release the mortgage Lien showing on Title Search being held up in making settlement I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that XXXX XXXX was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Since XXXX XXXX XXXX XXXX is not in the business of supply mortgages, XXXX XXXX should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.
Product: Debt collection

I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.