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

Additionally, pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act, I am requesting that you cease all further communication with me regarding this disputed debt. This section of the FDCPA states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated or to notify the consumer that the debt collector or creditor may invoke specified remedies XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Debt collection

Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.
Product: Prepaid card

I received American Express gift cards in the total amount of {$200.00} ( XXXX cards at {$100.00} each ) and they get declined at 95 % of the establishments I try to use them at. American Express only offers keep trying them at other places until they work as their remedy. It says on the website and on the card that these should be accepted anywhere that accepts American Express but that clearly isnt true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.
Product: Credit reporting or other personal consumer reports

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two Victoria 's Secret credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

XXXX XXXX  was my mortgage company. I hired a law firm to help me get a reduced interest rate from XXXX XXXX because I had 2 loan modifications with XXXX XXXX but I was told the mortgages were fixed 30 year mortgages. Howver, each time the interest started low and ballooned to over 6.5 %. So I did not want to modify my loan with XXXX XXXX a third time. XXXX XXXX and my attorney ( XXXX XXXX ) at XXXX XXXX XXXX was negotiating my mortgage loan and in XX/XX/XXXX in the middle of the foreclosure prevention negotiation, XXXX XXXX transferred the loan to Fay Servicing. Fay Servicing has refused to reduce the interest and has tried to force a foreclosure or have me pay {$18000.00} to reinstste the loan. I thought I paid the amount to reinstate the loan by wire transfer from my XXXX XXXX to the Federal Reserve to Fay Servicing. As it turned out the money that the Federal Reserve put into the Fay Serving Account at the XXXX XXXX XXXX, was stolen. The account may not have been a valid Fay Servicing Account at the XXXX XXXX XXXX. That was onXX/XX/XXXX. The wire transfer money was due XX/XX/XXXX. On XX/XX/XXXX my attorney contacted me to tell me that Fay Servicing did not receive the {$18000.00} that was wired from the Federal Reserve. Now, today I receive a letter from Fay Servicing asking for {$20000.00} by Friday XX/XX/XXXX to reinstate my loan. Fay Servicing will not reduce the interest rate or put the reinstatement fee back into the loan. Considering that I made the initial reinstsement amount in good faith just 2 weeks ago, I don't feel that Fay Servicing is being reasonable to try to foreclose on my family home that I grew up in and that I can afford to keep by making monthly payments at a reasonable interest rate. I need your help in understanding why XXXX XXXX would not negotiate and why XXXX XXXX transferred the loan after trying to foreclose on my property. But, currently, XXXX XXXX is advertising new mortgages on the radio that have 3 % interest rates, Secondly, I need your help in getting Fay Servicing to reduce the interest on my mortgage .loan and put the reinstatement fee back into the mortgage loan or let me make payments to pay the reinstatement fees. The wire transfer was stolen by being wired into an account that was named Fay Servincing at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Experian received certified letter stating inaccuracies in my report. 

Experian did not answer withing the 30 days they they have to respond by law. 

XX/XX/XXXX Experian Received followed up letter to delete inaccuracies that they did not respond to as of XX/XX/XXXX as of today Experian has not responded and they keep reporting the inaccuracies they they did not respond to as of XX/XX/XXXX.
Product: Debt collection

When I was applying for a loan on a home, I noticed a collection on my account. I never received notice before it went to collections. Had insurance that was handed to them at the hospital. They refused to bill my insurer and decided to just put in on my credit instead. I called them to ask what it was for. The lady on the phone yelled at me and threatened to take money from my account for the debt. I told her it is their due diligence to reach out to the insurers first then to me. They did neither. They threatened to sue me for the amount and she yelled at me with bad language so I hung up.
Product: Credit reporting

There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is incorrect and not accurate at all. I was incarcerated thru this process and would like to be updated and deleted please help!
Product: Debt collection

This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. And is erronously being reported.
Product: Mortgage

I have discussed several accounting discrepancies with SPS but SPS has refused to make corrections to my account. SPS statements they mailed to me indicates that I owe XXXX XXXX dollars ( XXXX ) for property taxes, which is not true but they refused to tell me how they derived at that number. There are also charges that show XXXX charges for inspections with no details as to why, especially since I was not in foreclosure. I sent SPS a payment history to show that the billing was incorrect however they refused to stop the Auction of my home scheduled for XX/XX/2019. I filed a Notice of Error on XX/XX/2019 they have ignored the notice, even though they have opened an inquiry for research. They indicated they did not have to stop it because of the RESPA regulations did not apply to Dual Tracking for this incident. The notice of error stated numerous accounting errors by SPS, over charges and other erroneous charges from companies that I do not know that are on the SPS statement of charges sent out by the previous servicer and SPS. 

I also was charged for numerous inspections charges for my home when my home was not in foreclosure. I was charged BPO charges and legal fees when my account was in a current status. I am not sure of what the charges are that are on my account and why, but I asked that SPS give  an accounting to why they continued to charge those incorrect amounts to my mortgage account when I have indicated they were incorrect many times. They are currently ignoring my request. I requested that SPS review my account and make corrections to my interest and my principle, they have refused to this date to do that. 
SPS on XX/XX/XXXX received a QWR they have refused to respond to my request, they indicated they will respond to it after my home is auctioned off which does not make a lot of sense to me. SPS has given erroneous information about the status of my account, I was told by several managers especially one that opened the research to verify the accounting errors on my account that the auction of my home would be postponed until that happened. Of course that was lies. I have requested several call backs from supervisor in the department of the Ombudsman and litigations no one will return the call. I requested that other executives in SPS ( any department ) return the call and address my inquiries and there has been no response, no call back and no evidence that they are willing to allow a workout plan. This has been blatant bullying and harassment from SPS with refusal to discuss with me the status of my account. 

The interest on my account is incorrect because of the erroneous charges therefore the principle is incorrect I have as for a pay-off and settlement which they withdrew which was a breach of the prior agreement in place. I have charges on my account for forced place insurance that need to be corrected and adjusted on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XXXX XXXX XXXX XXXX
Product: Mortgage

As you may be aware the year XXXX has been very challenging for myself and other homeowners with their mortgage payments, I too was unfortunate to fall behind. So i felt really relieved after i applied for a deferred payment and got an approval from my mortgage company -Select Portfolio Servicing Inc , in XXXX of XXXX. However immediately after the approved deferral my mortgage company informed me that effective the same XXXX of XXXX my loan is now subjected to a significant increase in my interest rate from an affordable 4 % to a whopping 9.54 % which effectively increased my monthly payment from {$1000.00} per month including escrow to a overwhelming {$2100.00} per month including escrow. I contacted the company regarding an affordable interest rate reduction in XXXX of XXXX and to my great disappointment and after a lengthy and drawn out process of communicating with them and providing their info requests from XX/XX/XXXX they informed me in XXXX of XXXX that my request for a reduction of the interest rate which was doubled-up and ill-timed was not approved and even suggested i give up my precious family home to a short sale. I am in the process of appealing their decision and realized i will need Help from your organization to deal with this GIANT Problem with this Giant of the industry who makes decisions about people 's lives with no regard to peoples social needs of having somewhere to call home and being able to stay in their homes especially during and after the tumultuous year of XXXX and beyond where the corona virus came and turned our lives upside down. 

I sincerely look forward to your Help in this feeling of helplessness situation that i am in.
Product: Credit card or prepaid card

The interest fees are higher than informed. Very misleading and confusing information.
Product: Mortgage

They took my money but have not responded regarding my loan and will not refund the money
Product: Mortgage

The main reason for this submission is now over one year after closing our mortgage ( XXXX XXXX - Closing ) payment increased by {$490.00} due to an escrow account analysis showing a shortage in the account. I am aware some of it is due to roughly $ XXXX {$300.00} increase in homeowner 's insurance, however over the course of 12 months that only equates to a $ XXXX {$25.00} difference which in turn would not it's self cause this steep increase in our monthly mortgage payment as I have expressed. 

Originally it was disclosed for us to be paying {$220.00} ( {$1300.00} semi-annually ) for property taxes into our escrow account in XX/XX/XXXX when our loan closed. However, over a year later in XX/XX/XXXX, we received a letter of the increase that would be happening to our monthly mortgage payment due to the escrow account shortage of {$3300.00}. I called Wells Fargo customer service to discuss this escrow analysis they had done and their representative said my property taxes had increased when only looking at the analysis for a couple seconds ( XX/XX/XXXX ). Our conversation continued and she mentioned they doubled, which is an extremely unlikely occurrence. 

I contacted my title company on XX/XX/XXXX for the property tax certificate that was provided to Wells Fargo. They provided the Tax Certificate document dated XX/XX/XXXX that clearly stated {$2500.00} semi-annually. This would equate to {$420.00} that should have been disclosed to deposit into escrow for property taxes ( not including insurance ) leaving a monthly shortage over the first year of {$190.00} monthly for property taxes alone. 

Attached I have included documents from my county 's website to confirm that there was not a double increase in property taxes. 

XXXX - {$2300.00} semi-annually XXXX - {$2500.00} semi-annually XXXX - {$2400.00} semi-annually Due to this documentation provided Wells Fargo did not disclose the correct amount of property taxes during closing, to be accurate, they only disclosed 25 % of a year versus an entire year as detailed above. The underwriter should have noticed this and corrected prior to approving clear to close. 

Currently, we will be paying {$490.00} over our closing disclosure monthly payment for the next 12 months ( until XX/XX/XXXX ) and after this 12 month period still elevated at {$210.00} over our original payment amount all due to an error on Wells Fargo end to correctly and accurately disclose property taxes based on information given by the title company promptly during the loan origination process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX/XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Checking or savings account

Ok I got an email from Sofi bank stating they we're finally closing my account after two on a half years of keeping it open without any access to my account nor the funds that was still in the account it's been three weeks now and still I haven't seen.nor heard from Sofi bank I'm starting to wonder how many othe people they done this to because they can rack up a great deal of money by defrauding five customer that doesn't stay were there is main branch located just only online access to their company I believe they company should be under investigation for stealing funds from the online customer when they said a check bounce for XXXX they lied and I have proof so what contract did I break when Made a deposit of a XXXX dollars from jobs credit union they said it didn't go threw and when I showed them proof is when I received a call asking me why I had two account later on having cash deposited from my job I accepted two check from my neighbor normally I don't take check but it is my. neighbor buying yard tools from a yard sale I had needles to say SoFi bank said the check for XXXX didn't go threw but I have proof it did My account had none XXXX and some old dollars on it XXXX to start with XXXX check that went threw and XXXX they said bounce immediately they frozen my funds from leaving they account no explanation why months later a woman called me and said the.checks were stolen I have a signed confession from the owner of the check saying the. check we're good and it belong to him also his bank statement showing XXXX and XXXX was withdraw from his account I have been going back and forth with them on this matter for XXXX going on XXXX years and all they said they have to finish there investigation
Product: Mortgage

Quicken Loans aka Rocket Mortgage committed to a 30 day close before taking the application with the caveat that due to low rates it would take no more than 40-45 days. They are so slow at processing the loan they keep re-requesting the  same information to delay the loan. They requested the P & L statements as the delay documentation request now for a third time. All third party services have been completed the first 10 days of XXXX. 
Secondary issue is bait and switch on a 15 vs 30 year mortgage after we were 6 weeks into the process. And the exorbitant Fees being charged were not properly disclosed and also substantially higher than quoted.