23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX  has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX said they did not get the FTC report from you so I am reuploading here to ensure they get it along with Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the Equifax data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that Equifax has admitted that they did use my information in this data breach, and Equifax has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report.
Product: Mortgage

Effective XX/XX/2019 XXXX XXXX transferred the loan servicing to ShellPoint Mortgage Servicing dba NewRez. As of the XX/XX/2019 XXXX Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 Shell Point-NewRez shows escrow balance of XXXX. No statements have been received from either XXXX or NewRez to show the transactions causing the difference in escrow balance.
Product: Mortgage

I reached out to Shellpoint Mortgage on XX/XX/XXXX when my mortgage was only 21 days past due. I spoke with a representative who submitted a 3 month forbearance that only required a verbal request from me ( no paperwork needed ). She stated that a decision would be made in 48 hours. I never heard back so I called again on XX/XX/XXXX. The new rep said that he didnt see a forbearance request so he will submit a new request and again to call back in 48 hours to see if a decision has been made. I called a week later, around XX/XX/XXXX. A new rep said that they mailed out a packet for loss mitigation that needed to be completed and I would hear from XXXX in the loss mitigation department. I never heard from anyone so I returned the packet on XX/XX/XXXX. I called on XX/XX/XXXX to see if they received the packet and they explained they would need income documentation and a new packet filled out. At this point I believe the mortgage company is giving me the run around, they will not return my calls or make a decision regarding my forbearance request, causing me to get further behind ( now due for 3 months ).
Product: Bank account or service

Last weekend I went to visit my wife and child in VA. While I was there I rented a car. The rental company put a " hold '' on {$100.00} in my bank account. I had the car from late Friday night ( XXXX ) until early Monday morning ( XXXX ). Over the weekend I used my debit card several times for smaller items, most under {$10.00}. On Monday when I returned the car, the company put all the money back in the account except for {$37.00}. On Monday and the Tuesday following, I was hit with several overdraft charges even though when the charges came through there was money in the bank to cover the purchases. In total I was hit with XXXX overdraft charges totaling {$280.00} even though when the bills hit my account there was money in my account to cover the debits. 
The bank 's justification for charging me the overdrafts was that at the moment the card was ran the money was n't in the account. 
My question is how is it legal for the bank to charge overdrafts on me when there is money in the account when the debit comes in? I just want to be clear, there was no check deposit or anything like that, it was just a release of money the car rental was not using back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts for months. Transunion refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Product: Debt collection

On XX/XX/XXXX I was served a summons to answer to a debt I owed at that time. The total amount including late charges and legal fees was {$2400.00}. I was given 30 days from the date of service to respond to contact the plaintiff 's attorney which I did on XXXX, XXXX and subsequently paid the amount in full also on that date. 

Plaintiff : Preserve at XXXX XXXX XXXX XXXX Attorney/debt collector : XXXX XXXX XXXX, XXXX. of Lazega & Johanson LLC Although I provided the payment information to the collector I received a letter in XX/XX/XXXX advising that a judgment was made against me in the XXXX XXXX XXXX for the same debt that I paid. I did not have a job then and could not afford a lawyer and my efforts to contact XXXX XXXX were unsuccessful. I met with the plaintiff at their office and they were satisfied that the payment was made and instructed XXXX XXXX to refund late charges to me which I never received. I thought the matter was settled until I received notice of garnishment twice which was dismissed by XXXX and XXXX XXXX XXXX. 

I recently began working at a hospital and after returning from quarantine due to testing positive for covid I discovered that my pay was being garnished for the same debt that was paid over a year ago. I had paid XXXX for legal service after the second garnishment attempt, however the failed to protect me from this dishonest collector. 

Please help me, I am already struggling with XXXX. Please help me. Thanks
Product: Mortgage

On XX/XX/XXXX I was notified by my Homeowners Insurance that my coverage had lapsed ( since XXXX of XXXX ) because of non-payment from Shellpoint Mortgage. When I contracted Shellpoint, their response was " how were we supposed to know to pay the insurance if you never provided that information to us ''? Despite the fact that I am in escrow and they are accruing for insurance payments. 

Due to not paying my Homeowners insurance, Shellpoint had an overage in my escrow account of {$190.00}, which they sent me a personal check for around XX/XX/XXXX. I cashed the check with my bank and then was notified the check was cancelled by Shellpoint. When I called to discuss, the Agent did not know why the check was cancelled, but said there was a current overage of {$490.00} and they would send me another check. The check came for {$190.00}, which I cashed in XXXX. On my XXXX statement, they deducted the same {$190.00} and put it back in escrow. 

On that same phone call in XXXX, I also requested to have my PMI dropped, given the current outstanding loan balance is only $ XXXX of a $ XXXX loan and I've clearly met the loan/debt ratio. The agent said they would submit a request to have PMI researched and dropped. When I called to check the status XXXX XXXX  XX/XX/XXXX ) was told there is no way to drop PMI on an FHA loan despite the fact that I haven't missed a single payment in XXXX XXXX. 

The primary reason for calling Shellpoint today was to ask about the calculation of my interest rate. On my XXXX statement, I am being charged {$83.00} against a mortgage payment of {$450.00}, which is XXXX XXXX. I always overpay my mortgage each month, so in XXXX paid {$1000.00}, minus the {$190.00} they took to replace escrow, leaving {$720.00} to go towards principal. {$83.00} against {$720.00} is still XXXX XXXX. Or if calculated against my total payment of {$1000.00}, XXXX is still XXXX XXXX -- - NOT XXXX XXXX as it should be. When I asked the agent to explain their calculation to me, he said he needed to put me on a brief hold to " go find a calculator. they've taken our calculators away ''. When he returned, he could not get the " calculator to work '' and didn't know how my interest was being calculated, or why they are charging interest on my principal only payment, but he would have someone return my call in XXXX XXXX. I highly doubt any call with be placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX reported to Experian that I owed {$680.00} and lowered my credit rating by XXXX points. My payment history on XXXX XXXX XXXX 1 late payment made on XXXX XXXX. All previous payments made by payfast are shown. XXXX report to Experian is inaccurate and unfair. I have never been contacted by XXXX for an overdue payment prior to this report.
Product: Debt collection

I received mail recently from indigo attempting to collect a debt. Unfortunately, the way they communicated with me through the mail while attempting to collect a debt violated my federally protected consumer rights. They violated the Privacy act of 1974, 15 USC 1692b-5, and other laws that protects consumers. I will attach my proof below.
Product: Debt collection

XX/XX/2020 I received a letter stating that I owed XXXX XXXX a sum of {$610.00}. At the time, I put it off because I believed it to be false. But, over time I kept getting repeatedly called about it. I was told by XXXX that I made a purchase of {$610.00} out of state. While I do have an account with XXXX XXXX, I have never made a purchase of this amount with XXXX XXXX. The company attempting to collect this debt from me is Credit Management LP
Product: Checking or savings account

I demanded a refund from XXXX for a washer & dryer I ordered online from them. The company they had supposedly delivering my products, were lying to XXXX telling them that I was not home ( I work from home ) and then told them they DID deliver it. XXXX did nothing except mark my order as " delivered '' - can you believe that? They made it look like they stole {$2500.00} from me. I demanded a refund and was ignored for weeks. 

I report this to Truist since I used my debit card and disputed the charge. The last response I received from truist was a piece of mail at the beginning of XXXX saying I have a high chance of getting my money back. Since then, they have not given me my money, XXXX tried to refund me, I sent that information to Truist, and nothing. No response, no nothing. 

I want the CEO of Trust and the CEO of XXXX both arrested for stealing my money. It doesn't matter what their intentions are, I don't have my money and one of them do. Both of them are negligent to the point of thievery. 

I guarantee Truist has my money and is just borrowing it for free. They need to be held accountable and responsible for this type of underhandedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance to the Fair Credit Reporting Act, XXXX, xxxxxxxxxxxx XXXX has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. This company also contacted my employer several times. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file. Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.
Product: Checking or savings account

I reached out to my bank on XX/XX/XXXX to inquire about a dispute that was taken out of my account in the amount of {$100.00}. I informed them that I was not sure why this was being taken out of my account and that I did not recognize the transfer that was originally made on XX/XX/XXXX until I investigated further and found out this was made unauthorized by another individual to themselves from my account. 

It is under my impression that under regulation E that unauthorized transactions are eligible for disputes even if they involve institutions such as XXXX I was repeatedly told that they could not assist me as I authorized my initial transaction even though Im explaining to them it was not authorized. 

After arguing with me and stating that they have been on the phone with me for 45 minutes and theres nothing more they can assist me with. I asked to speak with a supervisor. I was first told that they would not speak with me as they would be repeating themselves. After insisting they finally transfered me and said they could not assist me either and refused to file a claim for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am having a terrible experience with WISE also known as Transferwise stating that they would have sent over my transfers on XX/XX/XXXX. I have my XXXX bills to pay which are going to be cut off within XXXX hours and I tried telling them that they should find out what the XXXX is going on with this transfer. Why is my transfer taking so long than the normal times I would have got it? It XXXX me off!!!!!!! I need this to be resolved immediately!!!! because someone is going to be reported. I swear if I know who is behind all these scams!!! God knows what I would have done.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an inquiry that I do not recognize and did not authorize an unauthorized hard inquiry by XXXX XXXX XXXX  dated XX/XX/year>. I do not recognize or authorize this inquiry. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, such inquiries require my explicit consent, which I did not provide. This constitutes a violation of my rights. 

I have also reported this issue to the Federal Trade Commission ( FTC ) and attached the FTC report along with a copy of my drivers license and social security card for verification. Given the unauthorized nature of this inquiry, I request its immediate deletion from my credit report within 24 hours. 

XXXX XXXX XXXX
Product: Mortgage

I received an escrow statement from XXXX XXXX at the beginning of XXXX, 2021 indicating that I had a shortage in my escrow account and I needed to provide additional funds or my payment amount would increase. The statement indicated I needed a minimum payment of {$390.00} to set my new payment amount at {$1500.00}. I submitted a check for {$600.00}, which was cashed by XXXX XXXX on XX/XX/2021. Unfortunately XXXX XXXX applied the payment to principal. When I saw this mistake on my account on the website, I telephoned XXXX XXXXXXXX around XX/XX/2021 and asked why they had applied the payment to principal when I had submitted the payment with the escrow payment stub. They advised they would correct the problem and their records would be updated by XX/XX/XXXX. When my bank account was drafted for my XXXX, 2021 payment, XXXX XXXX withdrew {$1600.00}, which was the payment amount indicated on the escrow statement if I made no additional payments. I telephoned XXXX XXXX on XX/XX/2021 to again try and correct this issue. I spoke with a representative who said their records did not reflect this payment had been made. I waited over 40 minutes to speak with a supervisor to again correct this error. No one ever picked up the phone.