23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

please refer to complaint XXXX. due to technical problem I did not submit my comments to XXXX XXXX XXXX responded on my complaint XXXX and I feel that in order to come to a resolution I need show evidence. 
FROMXXXX RESPONSED : XX/XX/XXXX and the loan was due at that time for your XX/XX/XXXX installment. We have confirmed that no payments were missed or received 30 days late in XXXX. FROM XXXX XXXX MY ORIGINAL ALLEGATION WAS AND CONTINUE TO BE THAT ( # 1 ) XXXX DETAIL PAYMENT HISTORY ) 1. ON XX/XX/XXXX REGULAR PAYMENT WAS POSTED {$1400.00} ON XX/XX/XXXX A INVESTOR REVERSAL ( - {$1400.00} ) back dated to XX/XX/XXXX ON XX/XX/XXXX {$1400.00} WAS POSTED AS A REGULAR PAYMENT satisfying the XX/XX/XXXX payment. this is just an example of how servicer have and continue to do what they please with my funds, XXXX have done lots of damage including is financial abuse. 
RESPONSE FROM XXXX We have reviewed your concerns about payments you paid in XX/XX/XXXX basically XXXX stands for my loan been late. FROM XXXX XXXX XXXX XXXX XXXX DID NOT DISCLOSE on many occasions requesting clarifications on payment receipts ( prove on all attempts upon request ) including my complaint mention above. 
PAYMENTS IN QUESTIONS!! 
Bill payment went out regular mail to XXXX in the amount of {$1400.00} on XXXX XX/XX/XXXX went out regular mail refer to payment history regular payment posted same day XX/XX/XXXX impossible to be the same payment I believe this is the XX/XX/XXXX payment missing ( please find bank statement.in addition a partial payment f {$1200.00} to unapplied funds was posted. 
Bill payment went out ( regular mail ) on XX/XX/XXXX in the amount of {$1500.00} XX/XX/XXXX another bill payment went out from my personal checking account in the amount of {$1600.00} for payment a not matching payment posted on my loan on XX/XX/XXXX for {$1600.00} please find attached fee history from XXXX stating that on the payment that posted on XX/XX/XXXX was a phone payment. leaving the XX/XX/XXXX {$1600.00} and XX/XX/XXXX {$1500.00} unposted to my loan. 
I HAVE ALSO ATTACHED A COPY OF MY CREDIT REPORT YOU CAN SEE HOW NEGATIVE DID IMPACTED MY CREDIT FOR THE SERVISER MISTAKES AND LACK OF NOT DISCLOSING INFORMATION TO COME TO A RESULUTION. 
for clarification XXXX responded that XXXX transfer my loan to XXXX please find attached loan documentation that states that I refinanced on XXXX/XXXX/XXXX with countrywide and later transfer to XXXX them to XXXX and now to Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXXXXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Product: Checking or savings account

Opened a checking account and setup to transfer my direct deposit from social security. Made two deposits by check, but realized it was from an old closed account. Called Wells Fargo ( " WF '' ) customer care and was told them about the mistake and was told not to worry just make new deposits. The next day ( XX/XX/22 ) I received an email from WF stating they were closing my account. I told them what happened and they told me go to a local branch to resolve the matter. I should them proof it was an error, but WF still closed the account. I spend a lot of time opening the account and transferring a direct deposit. I feel like I was discriminated against because I made an innocent error. I have done business with several banks and never experience a problem like this. For example, XXXX XXXX, XXXX XXXX, etc. I am a XXXX  veteran and it would have been helpful to have a bank close to my home. This was no way to treat a customer especially a XXXX veteran.
Product: Debt collection

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Debt collection

A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is ADR processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
Product: Debt collection

Upon careful review of my recent credit report, I found several fraudulent accounts that appear to have been added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN XXXX: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concernns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Paypal used my bank account to pay for an unauthorized charge of {$96.00} from a company called XXXX XXXX XXXX XXXX. 
The service had been canceled because it did not work and I did not supply money. I was informed of this. However, the company used by bank account via PayPal to take funds. The next week, my bank account was hacked and several XXXX dollars were taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.
Product: Credit card

In XX/XX/XXXX, I made a credit purchase at XXXX XXXX XXXX and XXXX XXXX  after opening my account. I visited the store to pay off my {$32.00} charge before the statement arrived, intending to avoid interest. I was assured by a clerk that the account was paid in full and requested its closure. Despite this, I received additional bills in XXXX and XXXX, including a late fee. I called XXXX XXXX, paid the bills again, and requested account closure, which they confirmed. However, I continued to receive statements through XX/XX/XXXX. After paying yet again and being told my account was closed, I received another statement in XX/XX/XXXX. I reported the issue to the police in XXXX, Michigan, citing fraudulent charges that severely damaged my credit score, dropping it from nearly XXXX to around XXXX. Both XXXX XXXX and XXXX XXXX continue to send statements, even a year after opening the account.
Product: Mortgage

I changed my payments from monthly to biweekly starting XXXX XXXX. Paid the first half of my mortgage on the XXXX and waiting on the XXXX to pay the rest to complete the XXXX payment. 
Before my old mortgage company sold my mortgage to Carrington, i had a check given to me due to overpayment for escrow and now carrington help that amount in suspense. 
Carrington then told me that using that money in suspense i only needed to pay {$56.00} to complete that XXXX payment but i had the first half already paid. I kept asking them to explain to me why i have to pay multiple times. 
For context. I have about XXXX in suspense then the XXXX payment was supposed to be XXXX and i paid half of that. Carrington told me that to make XXXX payment up to date, i needed to pay XXXX extra since XXXX + XXXX is equals to my XXXX payment. I asked where my first half payment which is about XXXX went then. And they kept giving me the round about and basically telling me that i just now needed to pay XXXX to make XXXX up to day. So my question was what happened to the XXXX i have in suspense. 
The guy on the phone raised his voice at me gaslighting me that i just needed to pay that extra to be up to date. Now i have a late fee for all these going on. The balance left for the XX/XX/2023 is 2 different amount when i use the app and the website.
Product: Debt collection

Andrew, Palma, Lavin & Solis, PLLC is filing for false judgments to be paid in full, but Ive never missed a payment with them. This is absolutely disgusting because my payment arrangements began in XXXX for {$35.00} a month for the first 3 months and {$100.00} a month afterwards. I sent {$35.00} in XXXX XXXX, {$50.00} In XXXX XXXX, {$100.00} in XXXX XXXX, {$100.00} in XXXX. XXXX, and {$100.00} in XXXX. XXXX. I only had to give them {$300.00}, but they received {$380.00}. Yesterday I received mail asking for the payment in full, but we have a payment arrangements and I dont have that type of money to pay in full. I dont know if they are preparing for the pandemic and people being unemployed or what. In the past, I called and was placed on hold and no one came back to me. Yesterday I mailed a letter to them. I dont know if debt collectors are essential workers while under a safer at home order. But I sent all of my payments in and they are breaking our agreement without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I need to verify this debt because it is not what or who I owe. I have not received any validation. I have received robo calls and people I know have received harassing phone calls about this.
Product: Payday loan, title loan, personal loan, or advance loan

I have got solar panels installation from XXXX XXXX on XX/XX/2023. The representative came to my home gave me a quote of XXXX $ and I would receive a XXXX  credit of XXXX $ approximately. And gave me a finance option with their partner DIVIDEND FINANCIAL. The quote I got was XXXX $ a month and told me that if I didnt pay back the XXXX  XXXX of XXXX $ back to DIVIDEND FINANCIAL then my XXXX XXXX go up after 18 months from the loan initiation time. Now DIVIDEND FINANCIAL has increased my principal balance from XXXX $ to XXXX $ and when I asked for an explanation they say the payments of XXXX $ I am making is not lower than the interest accrued each month and hence the remaining balance is being added to my principal balance and is being compounded. I contacted XXXX and they told there is nothing they can help me with it and DIVIDEND FINANCIAL is not helping either. Please help me resolve the issue. My only concern is the principal balance being increased even after regular payments. I havent missed even a single payment till date. Thank you!!!. I have attached the signed document for the total balance with XXXX XXXX for your reference.
Product: Debt collection

Repeated frequent calls from numbers and locations all over the country from Portfolio Recovery. I have repeatedly stated to them that I do not have any business with them and asked them to quit calling me. This has been going on for 2-3 months now.

I receive an average of 3-4 calls daily.
Product: Mortgage

I wanted to make a payment on my XXXX XXXX loan. I have been having difficulty signing into account online since XXXX XXXX. When using Truist app on my phone, I get a message, Service unavailable at this time. Try again later. Trying again later over, and over does not improve the process. I tried using the Truist website for online banking. After successfully logging on, I immediately get a message, You have been logged off after 10 minutes of inactivity I never get to an option screen, and I am kicked out. 

On or about XX/XX/2023, I contacted Truist at XXXX for assistance with accessing online banking. After explaining my difficulty for 10 minutes, I am given the opportunity to make a payment. I provide the account number, and then I am told Truist is refusing the payment because the account is more than 30 days late. The account is late because I can not logon to pay. I am also told that online access is probably restricted because the account is late. Approximately, 20 minutes has passed, and I am given another number to call to make the payment, ( XXXX ) XXXX. I insist on help with logging into account using mobile app and/or website, which is why I called. I am given a number to help desk, XXXX XXXX. I am given an offer to create a new password. There is nothing wrong with the password, if I can login. I have spent approximately XXXX minutes, and have accomplished nothing. It is XX/XX/, and I still can not access online banking. 

According to correspondence dated XX/XX/, online banking and mobile app are a benefit. There is no indication that restrictions apply. 

I have updated browsers, and mobile app. I have uninstalled and reinstalled app. I updated XXXX. I ran security and virus checks.
Product: Mortgage

Monthly ( through my mortgage payment ), I pay into an escrow account that is allotted for property taxes and homeowner 's insurance. By law, XXXX ( Alabama Housing Finance Authority ) is required to pay those items ON TIME from the escrow account. 

My annual homeowner 's insurance was due XX/XX/19 ( {$980.00} ). The bill was mailed to XXXX   XX/XX/19. I received a letter from XXXX dated XX/XX/19 that my insurance was expiring and if I didn't send them a new policy showing coverage, that they would purchase expensive insurance for me. 

I checked my mortgage statement, and it shows that there is indeed money in the escrow account to pay for my annual insurance. Why it hasn't been paid, I'm not sure, but this seems to be an ongoing issue with this company based on other complaints I have read. They charge a late fee if a mortgage payment is late - So they should be charged a late fee as well for not paying the insurance on time. 

Please enforce the law and hold this company accountable for its negligence.
Product: Credit card or prepaid card

On XX/XX/XXXX via certified registered mail, I tendered ( following no response from DISCOVER after the first tender mailed on XX/XX/XXXX for amount of {$5900.00}. XXXX/XXXX DOLLARS ), another negotiable instrument ( U.C.C. 3-603 ) in the amount of $ XXXX DOLLARS for satisfaction regarding account number ending in XXXX given the Remittance Coupon Presentment in the amount of they sent by USPS. Included in my correspondence was Notice of Acceptance and Authorization to Set-off and " Instructions to Tender Payment '' to set-off account number ending in XXXX for the amount $ XXXX DOLLARS. I informed DISCOVER my negotiable instrument is presented under the authority of The Constitution Article 1 section 10. clause 1, The Constitution Seven Money Clause # 6, The Constitution Monetary Rule # 5, House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Title 31 USC 5118, and the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX 
I requested if for any reason, DISCOVER was unable to apply the credit and adjust the accounting thus completing the set-off, because I have accepted their presentment for assessed value, to please send a notice of dishonour from a qualified third party as well as, if applicable, send any law, code, policy or provision that purports that their company has a right to require payment in a particular kind of currency and/or that I am not in honour nor continue to operate in good faith nor with clean hands to satisfy this obligation for both parties. There was a directive to send the documents to the address I provided within ten ( 10 ) business days from the date the Notice of Acceptance and Authorization to Set-off was post marked.

DISCOVER did not respond AT ALL, nor with a third-party notice, nor did they set off of the account ending in XXXX ; therefore, ( DISCOVER ) fell into default due to non-response. As of date, XX/XX/XXXX, I have yet to receive any written correspondence/action fulfilling my specific request to discharge/setoff account ending in XXXX, nor have I been made aware as to why lawfully XXXX XXXX  is choosing to not sef-off the account though tender was made. 
DISCOVER was informed of California 's Commercial Code 3603/UCC 3-603 `` If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender ''. Due to DISCOVER not responding to any of my correspondence, they acquiesce to my terms therefore, I am seeking complete discharge/ set-off of the full amount of $ XXXX Pursuant to 1-102 and 3-603 of the Uniform Commercial Code. With DISCOVER failure to respond and set off of the account, per contract is now in debt of {$7500.00} to the Principle of said account and no longer have the capacity to pursue collection.
Product: Debt collection

I received a dunning notice from TSI, Transworld Systems Inc, alleging I owed {$18.00}. My records show this debt was paid, and had been waiting on Medicare and my Medicare Supplemental Insurance to pay with no update provided to me. The very fact that TSI is involved for an {$18.00} charge underscores that Medicare was billed too much by the provider but more importantly it underscores that TSI is a crooked firm that does not verify the accuracy of their alleged debts. If TSI can handle an {$1800.00} debt, then they are using slaves or overseas labor, or they have nefarious intentions of shaking down the public as they can not even answer a Consumer Finance inquiry for {$18.00} if they are using ethical labor and ethical tactics. I DO NOT owe this debt, and I am requiring TSI to acknowledge their incorrect information and to make a formal, written apology to me. By the way, Medicare is NOT efficient but it is a Federal agency that is too big to ever be efficient. Just like TSI is too big for their XXXX, documented to be inefficient, inaccurate, and crooked.
Product: Debt collection

I have reached out to COMENITY BANK and requested information for two accounts. I have yet to receive a response. 

COMENITY BANK is in violation of my rights as a federally protected consumer. 



accounts : COMENITY BANKXXXX account # XXXX COMENITYBANKXXXX account # XXXX
Product: Debt collection

I sent a debt validation letter to the company ARS Account Resolution on XXXX, XXXX XXXX requesting validation of the account currenting reporting to my credit. I requested a signed document from said provider showing that I was releasing my medical information to a third party company. As well as a signed document showing that I was financially responsible for the debt they claim I owe. They responded with a letter dated XX/XX/2021 only listing the account numbers and amounts claimed to be due. They were given 30 days to provide the requested information and have failed to do so in the allotted time. I will send a copy of the letter sent as well as the a copy of the letter received from the company. 

They are in violation of HIPPA and should not have any access to any of my medical records or accounts.
Product: Money transfer, virtual currency, or money service

Prepaid Digital Solutions failed to allow consumer to change PIN on gifts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting an investigation of inaccurate accounts on my credit report. It has been 60 days and I still haven't received any results.
Product: Debt collection

I received notification through XXXX from Caine & Wiener which dropped my credit score 74 points for a balance of {$200.00}. I have been a victim of identity theft. The account was open on XX/XX/21. I have never received any information regarding the account until I called them on XX/XX/21. Speaking to the manager XXXX she didnt do anything to resolve this issue.