23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I uploaded a letter on XX/XX/year> to my mortgage company, Select Portfolio Servicing, requesting that they pay off my mortgage in full using money they had in restricted Escrow for insurance, and to send me a refund of the remaining balance. They told me on the phone that the process would take XXXX  days. I submitted my letter and my payoff quote, according to the instructions I received over the phone ( through the Select Portfolio Servicing online portal ), however I received no confirmation or communication regarding the matter at all for several days. So I called to confirm that they received my request. They said that they had. I heard nothing else for another week or so, so I called and emailed to request that they send me an email or letter confirming in writing that they received my instructions to pay the loan in full, and to let me know what date this was projected to be completed. They said they would send me the letter, but they never did ( this was over a month ago that I requested the letter ). I continued calling at least a couple of times a week to check on the status, and when XXXX days had come and gone, I asked why the loan had not been paid off yet. They said, oh, it takes XXXX BUSINESS days, not just XXXX days. So I said, fine, and waited a couple more weeks. Still nothing happened. So I called again, and then they said that it would take up to SIXTY days to process the payoff. I said, " What? Why? This is not acceptable. I was told XXXX  days and now suddenly it's XXXX? I'm getting charged interest and having to make mortgage payments every month when you guys have had the money in your hands to pay the loan in full for months? '' Then I asked, " So will it be sixty days just to process the payoff, or XXXX days until I receive my refund check? '' They said XXXX days to process the payoff only ( which means, what, XXXX days until I receive my refund???? I don't know ). I looked up the regulations on your consumer finance website, and it looks like a borrower is supposed to RECEIVE their refund within only XXXX  days of the money to complete the payoff being in the mortgage company 's control. So it looks like they are definitely breaking the rules here and it is causing me a tremendous amount of financial damage. I am currently speaking with lawyers about sueing them for reparations. Meanwhile, I have paid XXXX mortgage/interest payments since authorizing the payoff, and I am about to have to pay a THIRD on XX/XX/XXXX. This is crazy. Please help.
Product: Mortgage

At the beginning of XXXX I received notification from XXXX XXXX  ( XXXX XXXX ) at ( XXXX XXXX  XXXX, XXXX XXXX, XXXX, ga XXXX ) that my mortgage was decreased by approximately XXXX/month. Was told that there were some reductions and that was my new payment. By the time XXXX came in, I was hit with a escrow shortage of about 1100.00 which I immediately contacted XXXX to receive a reason. I was told that they made a mistake and didn't include my taxes in their yearly analysis for that year, which gave them a lower payment. There was also an incident where they withdrew my monthly payment TWICE at the same time and send an email saying they would correct the error. I believe this is when the problems started. They told me they were sorry and it was nothing they could do, I had to pay a years worth of this money back equalling about 1100 so my mortgage payment would not go up. I was already putting extra toward my principal so this just cancelled out my attempt to get ahead. Immediately after this mistake my account was transferred to XXXX XXXX   where the same issue came up again based on a domino effect from XXXX and their faulty analysis of my escrow account. I am now short XXXX in escrow and there has been no major changes in my taxes or home insurance to constitute this much of a shortage. I am not making the money that I used to and can't afford to keep paying for these kind of mistakes. I am in need of assistance, my servicing is being mishandled and I dont know what to do about this. Last person spoken with was XXXX XXXX at XXXX XXXX/XXXX. I have email correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that I have disputed twice with equifax, and equifax wont fix the problem. The account is with the company XXXX XXXX. There is an incorrect delinquency date on the account that was open on XX/XX/XXXX and closed on XX/XX/XXXX. The delinquency date says XX/XX/XXXX. I have contacted the corporate office of credit central and they told me that they have corrected the issue with the dispute that I sent with equifax. But equifax is still reporting the incorrect date in their system. I also have another account with XXXX XXXX XXXX XXXX that equifax is reporting incorrect. The account says included in bankruptcy. This account was not included in my bankruptcy. I have disputed this account several times thru equifax. XXXX XXXX XXXX XXXX responded back to CFPB saying equifax has to fix the problem, but every time I call equifax and explain it to them they tell me to dispute it with XXXX XXXX again for the fourth time. I am so tired of the run around with equifax and these companies. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Accounts Receivable Consultants, Inc.  that was paid in full in XX/XX/XXXX. The account shows a XXXX  balance, but the status of the account is reporting as " open. '' I've spoken with an account representative ( the same account representative ) on 3 different occasions in regards to the account status. She confirms that the balance was satisfied, but she is not understanding my request to update the status to " closed '' if possible. I continue to reiterate that I'm not requesting to have account removed from my credit, as she thinks. Our last conversation on XX/XX/XXXX, she again told me that what I was asking for was not possible and released the line as I was explaining that the account still shows as open. It's clear that this company is not attempting to listen ans or assist in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting

My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Original complaint : There are XXXX XXXX XXXX XXXXt accounts on my credit report that are reporting inaccurate information. XXXX XXXX Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my XXXX XXXX credit report. I have disputed this with XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim. 
ACCOUNTS WERE UPDATED TO ACCOUNTS CLOSED IN MARCH 0F XXXX WHICH IS STILL INCORRECT! 
ACCOUNTS WERE CLOSED IN XXXX!!
Product: Debt collection

Spring Oaks Capital NEVER provided proof of notification of debt, proof of certified letter sent via mail to me. I need to see the proof. Proof of debt purchase, notification, proof that they acquired this debt, proof that they had 5 days according to law. Without proof they shall remove the trade line from any and all consumer reports. They must prove notice via certified or notarized documents.
Product: Debt collection

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 XXXX collection agency By law, 15 USC 1692g , Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

On XX/XX/2021, Aargon collection agency sent documentation of services, provided by XXXX XXXX XXXX to XXXX XXXX XXXX. Aargon collection agency claims its right to enforcement of security interest, does not require it to provide, documentation verifying a debt actually exists, between XXXX XXXX XXXX, and XXXX vXX/XX/XXXX 

By law, 15 USC 1692g, Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

Aargon collection agency should be obligated to follow the laws stated above, by providing verification of its entitlement to any security interest between XXXX XXXX XXXX, and XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just came back to XXXX after XXXX yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX  {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in XXXX XXXX
Product: Credit card

In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Bank of America credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from BoA and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!
Product: Credit reporting or other personal consumer reports

Two accounts appeared on my credit report indicating two loans had been taken the first one on XX/XX/2022 for {$730.00} and another on XX/XX/2022 for {$850.00} from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX those accounts went into collection and now have been charged off causing my credit score to drop drastically. I have disputed these transactions twice with Transunion as being fraudulent and both times their investigation was reported as accurate. How can that be possible when i have never heard of this company nor have i been to XXXXXXXX XXXX Nor have i ever applied in person or online for any loans from this company nor have i authorized or cosigned for anyone to get these loans. The only loans i have or have applied for in the last 3 years is a XXXX and a XXXX XXXX if you look at my credit report you will see that i pay all my creditors on time. It appears that who ever acquired these loans made a payment or payments because the original amount was {$730.00} but the charged off amount was {$510.00} where as on the other loan the original amount was {$800.00} but was charged off as {$850.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was looking to fill a rx and seeking delivery service. I was led to make a payment through zelle which I never used before. The zelle payment request led me to my banking app I use weekly so I trusted the process. I sent {$100.00} to zelle account specifically requested to email XXXX and name XXXX XXXX as the recipient then text receipt to XXXX and my product would arrive in one hour. After 2hours I contacted the bank was instructed no refund would be issued and to contact zelle after doing so I was told to provide any info I had and it would be investigated. I asked if there was a way I could receive an update to the case or receive resolution after investigation I was told no due to privacy policies. I can no longer communicate with caliplugcarts.org through chat option it has been disabled and they no longer are responding to my texts after requesting a refund because they stated I would have to increase my order to {$230.00} if I wanted to receive my rx. So I have spent the next 10hrs seeking justice or a resolution to no avail
Product: Credit card or prepaid card

I used my Capital One Ventura Credit Card in XXXX XXXX  or XXXX XXXX  XX/XX/XXXX. The APR was XXXX XXXX  The very next month the APR went to XXXX XXXX. They hiked the APR on the card when I put {$2500.00} on it, the most ever used so they could get the most profit, but if I " hadn't '' used the card the APR would still be XXXX XXXX  Why couldn't they communicate to me about the APR increase that way I would just pay cash for the purchase. I have paid {$400.00} beginning in XXXX, and only {$70.00} has gone toward the account as of XX/XX/XXXX. Then they charged interest on the XXXX XXXX yearly membership fee. 
Over {$56.00} interest each month from the {$100.00} payments I made since XX/XX/XXXX. When I asked they said that my APR can be raised at any point, ok why wasn't that communicated, I asked does it make it ok to have my account credited for only {$70.00} when I have paid {$400.00}, which I pay on time each month. This is basically giving money away to them when I thought I was paying my bill down enough to pay it off. The lady told me if I didn't want to pay interest to just pay it off. I told her that the reason for having a credit card was to pay for it monthly and see the results of my monthly payments. I asked her did she think it was fair to raise the APR just because I used the card without telling me because if they had I wouldn't have put that much on the card.
Product: Debt collection

15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
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  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OR XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

Attempting to collect on an open dispute. By law they must cease collecting tactics until resolved. Attempting to arise vehicle.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$180.00} with XXXX XXXXXXXX Account # XXXX I do not have a contract with XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting

The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.