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

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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.
Product: Mortgage

My home loan was transferred to a company called loancare Im currently trying to payoff the balance owed with insurance checks totaling more than I owe. They keep stalling the process with either filing issues or even losing my check its not a hard task to deposit checks and process payment. I as well as many others I have spoken with agree that they are intentionally doing this to gain the extra interest. If I didnt pay it off myself and just sold it, the process wouldnt take as long. I currently am also due back over $ 14k for over payment. Customer service is highly rude. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 a 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 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.
Product: Mortgage

Within in 3 months of closing our loan was sold to another company, we do not know who because the loan servicing company will not give us the name. We noticed that the payment was not accurate and the monthly payment increased by {$330.00} with no explanation. Part of the change was a change in our insurance company but we still could not get them to explain what changed. So we contacted the tax office to get our yearly tax amount, approximately {$190.00} a month and we know what the monthly is for insurance, right at {$200.00}, and we know what the monthly principal and interest is, which is {$720.00}, that should total around {$1100.00}. We are paying {$1300.00} a month?? 

In XXXX we changed insurance companies and our insurance did increase from {$1400.00} to {$2400.00}. So we understand that the monthly payment would go up by about {$100.00} but it went up by {$330.00}. 

We got them to send us a disclosure statement, dated XXXX that said we had an escrow shortage of {$2800.00}, how did that happen, we closed in mid XXXX and this was 2 months later. We did change the insurance after the loan closed, and when we changed it we paid for the insurance in full, the mortgage company did not allow that and sent the money back to the insurance company but at no time were we without insurance or missed any payments. I feel like this has a lot to do with the issue but we can not get them to help us or explain it. 

On that same disclosure statement we noticed that in XXXX it shows {$310.00} was deposited in our escrow account, in XXXX nothing, in XXXX {$310.00} again. It says our account balance as of XXXX is negative {$1200.00}?????? 

They are charging our escrow account {$640.00} a month but only {$400.00} is going into it, again I don't understand. 

We have contacted them about every 3-4 weeks since XXXX to get them to explain the issue, the first time they agreed and could not figure out why so they said they will ask for escrow analysis and get back to us, no one does. We call again, this time they say our escrow is short, that is why we have to pay more, why is it short we ask, we have not missed a payment on anything, they say we will need to request an escrow analysis to let you know, we will call you back, no one ever does. we Have done this so many times and can never get any help or explanation. The last time we called they said that even though we were paying an extra {$330.00} a month towards escrow we will still be short at the end of the year, how is that possible?? They will not tell us the name of the actual owner of the loan/mortgage company, they will not give us a copy of an escrow analysis, we don't know how else to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times overdue that is actually stated on my credit report does seem inaccurate and or confusing.
Product: Money transfer, virtual currency, or money service

paypal emailed me today saying i will not be able to use their services. Due to user agreement and i called today XX/XX/2022 to figure out why. ive over XXXX $ in my account theyve said they will hold my money for XXXX days and they said they will not delete any accounts on my account like my debit cards & credit cards. im so upset im a single mother of XXXX babies i know my rights and this is not okay!
Product: Debt collection

Hello, I am reaching out for help because recently I sent out letters via certified mail to XXXX Collection located in XXXX Michigan to let them know that theyre in violation of my HIPPA rights. They received my letter XX/XX/XXXX and I received a response in the mail XX/XX/XXXX of statements claiming that I owe {$90.00} and {$140.00}. 
On both statements they include services received which was XX/XX/XXXX XXXX  XXXX XXXX And XX/XX/XXXX XXXX XXXX XXXX complete. 
Within my letter I asked that they provide a copy of my signature with the provider of service to release my medical information to them, XXXX collection failed to do so. 
I also asked them to cease any credit bureau reporting until the debt has been validated by me, which they have also failed to do. 
My privacy was violated in which I am protected by HIPPA laws.
Product: Mortgage

Having problem paying mortgage due to XXXX. I have reached out multiple times to finance company ( XXXX ) over a 3 week period and hold time exceed 2 hours. Once I finally get someone on the phone I am transferred to another department that does not answer. The phone just rings continually. I asked for a number to XXXX XXXX XXXX and was given a phone number ( XXXX ) and calls goes to voice mailbox that states the mailbox is full. I am in need of immediate assistance and desperately need help.
Product: Bank account or service

TD Bank is and has been improperly charging services fees to a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XXXX. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!
Product: Debt collection

I had a huge credit score change ( XXXX ) recently due to a open derogatory account which was claimed by XXXX ( XXXX ). It is a collection agency who claims to represent the original lender - XXXX ( XXXX PUBLIC SERVICE ELECTRIC GAS ) and amount is {$55.00}. I believe it is a false debt as the following reasons : XXXX. Wrong account number Ending with XXXX is the account # in the derogatory account details. XXXX was my account number with XXXX. Please see the attached file XXXX. PSEG_Account info and billing status. 

2. No balance with XXXX As the attached XXXX account information and billing status, I have no balance with XX/XX/XXXX. I had a automatic transfer from my bank 's checking account to XXXX for the electric bills. XX/XX/2015 was the last payment before moving. 

3. Moved to XXXX in XX/XX/2015 I cut the service from XXXX in XX/XX/2015 since I was reallocated to XXXX in XX/XX/2015. Please see the attached file XXXX. XXXX power_account info and payment history. 

Please note that all electric utility bills have been wired automatically from my bank 's checking account every month. There is no reason I have a balance with XXXX and a collection from them.
Product: Checking or savings account

On XX/XX/XXXX my checking account was charged {$280.00} by XXXX XXXX XXXX in reference to some business setup services, I ended up canceling the service and was never given a refund. I ended up disputing the charge through KeyBank around XX/XX/XXXX, they credited my account the {$280.00} during their investigation. Then on XX/XX/XXXX, KeyBank reversed the credit and alleged that I had called in and canceled the dispute - I didn't. I had the dispute reopened at this point, they never credited my account and then turned the dispute over to their fraud unit??? Never heard anything for months, then I receive a letter in the mail recently which gave no reason for the final resolution not in my favor. Pretty sure it is fraud for a bank to close a dispute for no reason twice!!! I should be able to return a product without being accused of fraud Keybank!
Product: Checking or savings account

I am not looking for you all to do anything necessarily. I just want to vent and I don't feel like going to the bank 's headquarters would do any good because I feel the local branch 's terrible customer service is a reflection of the overall corporate attitude at this horrible company. Chase Bank is evil. It's an evil company full of evil greedy people. I don't understand how they have been able to get away with everything they've gotten away with. They're too big. The CEO makes too much money. I closed my checking and savings accounts with them a few years ago because they were nickel and diming me to death in fees while simultaneously paying their CEO some obscene SALARY ( not even including bonuses ) even though they received a bailout. And this was before I found out that they were part of the reason XXXX was able to do what he did for so long. And yet as much as I hate them, I still have credit card accounts with them because they're so XXXX huge I can't get away from them completely. The main reason I'm having to deal with them now is because my deceased brother had his checking account with them and I've been trying to close it out forever but they are making it nearly impossible. They are rude, condescending and unhelpful. I hate this bank. I wish the feds would just shut them down.
Product: Credit reporting or other personal consumer reports

I became 30 days delinquent due to the XXXXXXXX XXXX XXXX  in XXXXXXXX XXXX I lost valuable items and had to relocate in which sent me into financial hardship. I am asking the creditor to reverse my 30-day late payment due to these circumstances. I am trying to buy a home, and the reporting is affecting that process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. 

There are two student loans from XXXX in the amounts of {$99000.00} and {$120000.00} showing on my credit report with XXXX and Experian. These loans were consolidated in XXXX and transferred at that time from XXXX to XXXX. In XX/XX/XXXX, the loans were forgiven under XXXX. Erroneously, XXXX and Experian still reflect that these loans are open with XXXX. I filed disputes with XXXX on XX/XX/XXXX and XX/XX/XXXX and with Experian on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. 

On XX/XX/XXXX I contacted XXXX and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. 

On XX/XX/XXXX I contacted XXXX again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. 

On XX/XX/XXXX I was contacted by XXXX Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.
Product: Mortgage

Plan o f Reorganization ( the " Agreement '' ) was approved by United States Bankruptcy Court e ffecti vely  XX/XX/XXXX . I am now on my  XXXX  servicer effective XX/XX/XXXX . The first  XXXX  servicers, PHH and  XXXX , respectively refused to acknowledge or   abide by the  Agreement as set  forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement.   XXXX  I have been unable to sell the property because they have refused to give me a payoff amount.   XXXX  I cant afford my Bankruptcy attorney to pursue this. I have included a lot of correspondence that will back up my claim
Product: Checking or savings account

Ally Bank continues to hold my funds hostage. I still have not received a debit card and I've called over 10 times to report this issue and nothing is being done to resolve the issue. I have NO access to a branch or any other way to access funds I've deposited through electronic means. I've asked for deposit slips and checks as well. I have not been provided anything. They also have my outgoing XXXX transfers restricted so that they take 3 business days to process which normally should take 30 minutes or less. They have no problem accepting XXXX deposits immediately. Multiple people at the bank seem to just be lost in regards to these issues and can not help. I'm also unable to receive instant deposits from my XXXX XXXX  pay because the bank can not figure out how to accept RTP ( real time payment ) transactions. Every other financial institution I've ever used has had no problem accepting, and making available any funds I've initiated for instant pay. Those financial institutions are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. So if they have no problem accepting RTP transactions what's your excuse? If you have no idea what RTP is you should look it up. There's information listed online from XXXX XXXX XXXX. My biggest issues with Ally remain that I have no access to my funds outside of MULTIPLE business day ACH transfers because they will not get a debit card into my hands. My card should have been sent expedited in the first place and if you claim that mail is slowed due to COVID-19 you should reflect that in your agent time-frame which has been 5-7 business days. It has now been past 7 business days and my card is no-where to be found. I'm really tired of banks thinking they can just do what they want with no repercussions. I don't know what needs to be done but I expect a debit card in my hands by the time you get this. I expect a detailed answer on Real Time Payments through XXXX XXXX XXXX You can find out more as a financial institution by emailing them : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my business account through the Automated Teller Machine, I was informed through the machine that the funds would be made available the next day which was standard.the check was in the amount of over {$9000.00}. This check was significant since it was funds that was withdrawn from my retirement fund intended for the purchase for an important trip I planned for my clients. On XX/XX/XXXX I went into a local branch after I discovered that my check was deposited as expected, then reversed back stating that it was a not an acceptable item. I was shocked to hear that not only was my check already being sent to a different department to be reissued to me but it would be mailed to me due to it having my two last names on the account. 
I have deposited checks previously to this account with my married last name and previous last name. The last name on the account and the first last name on the check both match and that has never been a problem in the past 3 years that I have had my second last name. I have has my business account since XXXX and I have never had a check that I deposited now be accepted as long as it has XXXX of my last names on it. The banking customer service representative could not tell me why I was not contacted and given other options to prove my identity if there was a concern of who the account holder actually is. 
I needed the funds on XX/XX/XXXX and on this date XX/XX/XXXX I still do not have my funds and have had to cancel the trip that these funds were intended to pay for. I requested that this situation be escalated so that it be resolved as soon as possible and she contacted her manager, who informed her that someone would reach out to me within XXXX hours. The branch representative informed me that I would receive a legal copy of my check in the mail. 
I did not receive a call within XXXX hours but within XXXX hours. The phone call did not result in me getting access to my funds in a timely matter which was my only and original desire which is why I deposited the check into the account. 
It has been 6 days and I have yet to receive the physical check and my bank account has been overdrawn. I lost money that I prepaid for the trip that had to be cancelled and now have clients that are choosing to end their relationship with me due to " lack of professionalism '' regarding the trip that had to be cancelled. 
The bank manager that called me XXXX hours after I filed my " complaint '' informed me that the check was reissued and mailed on XX/XX/XXXX. With the current stated of the mail crisis due to the national pandemic, in addition to this being the week of XXXX, it was not a surprise when I did not receive my check in the XXXX business days that it usually takes for a check that is mailed. 
I had to borrow funds in an attempt to maintain my bank account from falling below XXXX while I waited to receive my check back, yet did not fathom the idea that it would take XXXX or more days to have my check back in my possession. 

I desire