23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX ( formerly XXXX XXXX XXXXl ) submitted an escrow analysis for XX/XX/XXXX that duplicated insurance amounts for the house. I spoke with their insurance department on XX/XX/XXXX who admitted their error. Since then they appear to be unable, unwilling to do a corrected escrow amount. Here is a record in a copy of correspondence to them. I also spoke with them yesterday ( XX/XX/XXXX ) but got no response or resolution : Happy XXXX XXXX, I am writing out of frustration due to an unresolved issue. When my account was transferred from Guaranteed Rate to you this past year, your company double booked the escrow required for insurance. This resulted in a over statement of the XX/XX/XXXX shortage AND payments for XX/XX/XXXX, resulting in a 13 % increase in my monthly payment. I have been trying to get this resolved for nearly two months. In the interim, I have paid the new payment amount in good faith. 
Here is a record of the attempts I have made with XXXX XXXX since receiving my escrow analysis in early XXXX : XX/XX/XXXX - confirmed the appropriate insurance amounts and payment with my carrier, XXXX. 
XX/XX/XXXX - called your insurance division and spoke with XXXX, who confirm that there was an entry error on the part of XXXX XXXX which she would correct and forward for a new escrow analysis. 
XX/XX/XXXX - follow up call to CS rep Ms. XXXX at XXXX XXXX. I was told " these things take time '' and I should check back in a week or two. 
XX/XX/XXXX - follow up call to C rep XXXX who advised nothing had been done although she saw a note about it in the file. 
It is XX/XX/XXXX and the lack of response or action on this is beyond my understanding. Is there someone there who can help? 
XXXX XXXX XXXX XXXX My call to them on XX/XX/XXXX was also unsuccessful.
Product: Checking or savings account

A person opened an account with my social security and called my number, distorting me many times.
Product: Mortgage

I have a mortgage with my home with Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX I am retiring and wanted to pay off my mortgage I ask for a pay off quote and the sent one for XXXX I got two certified checked from two accounts one for XXXX XXXX and one for XXXX put them in the same envelope and sent it certified male they sent me an invoice said the needed XXXX for an escrow shortage as the had paid insurance and taxes for next year I called and they said they received the certified letter at the XXXX and if I played the XXXX my mortgage would be played off so I had them take it out of my auto pay account and then was told to go on the web site and shut off the auto pay witch I did and then the sent a statement that said that they only received XXXX and just called them and they have stated that they never recieved the XXXX I believe they are trying to rip me off and I have stoped payment of XXXX check to them I don't believe any one should do business with them they messed up the insurance payments and the insurance company keeps sending me the over payment back I call they say it is a problem with XXXX I call XXXX XXXX they tell me that they have no policy for me it stressed me out so bad I desided to pay off the loan we do they insist in ripping off old people?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times a collections account that does not belong to me and i have no knowledge of and is on my report and that continues to be reported by transunion credit bureau, i have called them multiple times and submitted diputes that result as information being accurate but they do not mail me proof of how they came to their result, i have continuously asked and no response and they are hindering my credit with this false information The collections amount is XXXX
Product: Debt collection

Portfolio Recovery Associates is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Portfolio with supporting documentation and received an unacceptable response from them. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor. I have attached a copy of my credit report showing where Portfolio has inserted a multiple tradelines in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Portfolio Recovery certified return receipt requested.
Product: Debt collection

they keep calling me. They will NOT tell me WHY they are calling, nor will they even tell me what their company does. They insist they can not tell me what they do or why they are calling me unless I give them personal information. I have made it very clear I'm not going to give them any personal information without knowing what they do or why they are calling me. I have told them to stop calling because they will not tell me why they are calling and I will not give them personal information without knowing why they are calling me. They continue to call demanding personal information from me. the only thing they will tell me is the name of the company " Conversion Outsourcing '' and won't even say they are a debt collection agency. I googled them and found out they collect debts. I don't have any debt that is in collections, so don't know why they would be contacting me demanding personal information. I want them to stop calling or at least tell me WHY they are calling so I can address, possibly they have the wrong person? but they won't tell me so in that case i've asked them over and over to stop contacting me, but they keep calling.
Product: Credit reporting or other personal consumer reports

I originated a business loan with XXXX XXXX XXXX under my business name in XXXX and signed as a personal guarantor. I originated multiple business loans ( XXXX ) from XXXX to XXXX, and was never late on any of my business loans, which never appeared on my personal credit. XXXX XXXX  was the service provider for XXXXXXXX XXXX XXXXXXXX and my account was setup to auto draft payments monthly. XXXX went out of business around XX/XX/XXXX and was purchased by a new company at the same time my loan was up for maturity. Due to maturity, XXXX XXXX removed my account from auto draft and would not accept any payments on the account while the loan was under renewal/extension with the new company. My drafted checking account had over {$200000.00}, so why would I risk my personal credit and not pay $ XXXX. XXXX ended up extending the loan, but XXXX added the business account to my personal credit file 5 months later and recorded 3 late payments to my account and accepted my late payments which they refused in the previous months. My credit rep at XXXX stated they would removed the late because he was familiar with the case and knew it was an isolated incident. XXXX  has refused to remove the inaccuracies. I provided letters stating they removed my account from auto debits, bank statements from the auto draft checking account. This error has caused me denial with other business loans and has affected my credit score over XXXX points.
Product: Debt collection

We met with Wyndham and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. Wyndham agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting Barclays and their debt collectors XXXX to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.
Product: Checking or savings account

I am filing on behalf of a claim I have tried to submit through bank of america fraud beginning on XX/XX/2021. Attached is the letter I most recently sent on behalf of my claim and was denied. 

A company or person purchased products throughout XXXX XXXX XXXX and my bank account in total of {$1600.00}, several purchases were sent to my house as a decoy to the total spent. I DID NOT PURCHASE THESE AND NEVER AUTHORIZED THEM. There were 6 purchases in a row that were not flagged by bank of america. I have tried to submit this claim 3 times and get NO WHERE. Please see the attatched letter for all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found an inquiry on my XXXX  report. The company that inquired was XXXX XXXX on behalf of Credit Ninja. I have never heard of Credit Ninja or ever applied for credit with them or any company they are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the reporting regarding XXXX XXXX was inaccurate in XX/XX/2021 of this year. As a result I tried to contact XXXX, Transunion and XXXX regarding the reporting. The balances were inaccurate and the dates of delinquency. I resolved this account with XXXX XXXX and the account is paid. I have not received any response from any of these companies as required by the Fair Credit Reporting Act. There is no response and this is well over 60 days. 

I sent a follow up letter XX/XX/2021, and still no response as to why, or any validity to the information being reported on my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 XXXX AND XXXX 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX  XXXX XX/XX/year> {$2700.00}, XXXX XX/XX/year> {$6300.00}, XXXX XXXX XX/XX/year> {$3700.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card

Out of the blue Synchrony Bank decreased my credit limit from {$2400.00} down to {$1600.00}, which is ridiculous and how can they do this, I pay over the minimum payment every month. Never had a problem until just this year 2023. I do not agree with this decision, I do not know where they are getting there information, but I have XXXX XXXX on my phone and my credit is checked daily so I know where I stand every day, for Synchrony to do this is not right and I want the credit limit returned to {$2400.00} like it was it was at {$2400.00} for about 2 years and suddenly they want to decrease for reasons that are preposterous! This company has not been easy to deal with since I have had them, but I want to keep the credit card because it is a Sam 's Club Elite Mastercard and can be used anywhere it is just synchrony banks reasons for decreasing the credit limit. None of my bills are late, there no derogatory or delinquent accounts that show up in XXXX XXXX which is updated daily nor is there any delinquent or derogatory accounts on XXXX, which I check regularly as well and my own bank monitors my credit and no delinquent or derogatory accounts through my bank so I do not know where Synchrony is getting their information, nor do I care because it is not accurate as I said my credit is checked regularly and nothing is bad on my credit my score is a XXXX for XXXX and XXXX for XXXX and XXXX for XXXX, which I just checked today, XXXX XXXX, 2023. I want this decision to decrease my credit limit down reversed immediately, I have never paid the bill to Synchrony Bank late and it is always above the minimum payment as it is with my other credit cards, none of them are late, they are all in good standing.
Product: Consumer Loan

Capital One keeps calling me on Sunday. I had complained about this nearly a year ago and was told they would not call on SUNDAY. I am not nor have I ever told them not to call at all. I just said not to call on Sunday. It is not legal for them to call me on Sundays!! They are calling yet again on Sunday. They also refuse to remove the charge off from my credit report. They are missing the extension that was done XX/XX/XXXX which was credited to my account and they refuse to correct the charge off. That extension and the {$100.00} extra PRINCIPLE ONLY payment I sent were not applied. They did not apply the extension at all for one, which puts the payment they say was over 120 days under 120 days and therefor can not charge it off. I had made 2 payments with them XX/XX/XXXX and they turned around and charged it off in XX/XX/XXXX with NO notices to me. They say they sent them and even generated some FALSE notices I NEVER GOT. They did not apply the {$100.00} credit I sent for PRINCIPLE ONLY properly, they put it on interest which WAS NOT for interest. They REFUSE to listen to me and correct these things and NOW they are calling again on Sundays!! I am not saying do not call, I am saying do not call on SUNDAY! I am saying they must correct my account.
Product: Checking or savings account

On XX/XX/year> I received an email from Juno ( previously OnJuno ) that there has been a disruption to banking and card services and that ACH transfers and card transactions are down ; customers are not able to withdraw cash from their checking accounts. 

Due to the XXXX XXXX bankruptcy, everyone is pointing fingers and saying they don't have my funds. Juno says they never held the funds and that the money is with XXXX XXXX  XXXX XXXX. XXXX says that they do not hold my funds and that it is still in the " XXXX XXXX. '' XXXX XXXX  XXXX XXXX did its own reconciliation process in XXXX, and in XXXX their reconciliation website says they hold {$0.00} of my funds. However, all of my bank statements on the Juno app ( attached on this complaint ) show that the money never left XXXX  's possession, which conflicts with the transaction history I requested and received from XXXX  ( also attached on this complaint ) showing numerous " Transfer to XXXX XXXX '' transactions. 

I sent out Notices of Error to all banks and entities involved, and they are all denying they have my money, and all the banks other than XXXX say the money never even passed through their systems. We can't get a hold of XXXX. 

Regardless of where my money actually is, I am filing a complaint against Juno since they advertised their financial services as being " safe '' and " FDIC-insured. '' And yet here we are. False advertising and negligence. Plus, we have publicly available evidence that Juno and XXXX knew about the upcoming problems long before the funds were frozen.
Product: Debt collection

I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.
Product: Debt collection

On XX/XX/2024 XXXX XXXX is contacted my relative from phone number XXXX. My relative is NOT listed on my debt and they have been contacted without their consent. They no longer wish to receive calls for issues not regarding them, when I have NOT listed them on any of my accounts or references. I don't have an active phone number/phone line and was contacted by my relative on social media after years of not speaking to her. She is upset that she is receiving calls about my debt. Please stop RESEARCHING my relatives and contacting them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging accounts on my credit reports which are obsolete. I have contacted XXXX and Equifax in regards to disputing outdated information on my credit report. Well, XXXX and Equifax is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. XXXX  and Equifax finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for XXXX and Equifax to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for XXXX   and Equifax to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.
Product: Credit reporting or other personal consumer reports

I discovered this morning that my credit report contains accounts that are completely inaccurate, and I dont understand how or why this happened. Ive checked my report countless times in the past, and this has never been an issue, but now there are discrepancies I cant explain. I tried refreshing the page repeatedly, hoping it was just a technical error, but it wasnt. The problem remains, and Im desperate for someone to carefully examine the documents Ive sent to resolve this once and for all.
Product: Debt collection

A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX  Account Number : 1661 has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.