23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2020, I received an Annual Escrow Account Disclosure Statement from my loan servicer, XXXX XXXX XXXX XXXX ( Loancare ), with a statement date of XX/XX/XXXX. This new Escrow Analysis shows a escrow shortage of {$1000.00}. 

Upon researching why my Escrow shortage was so high, I discovered that my county was now combining my City and County taxes. My County and City taxes combined is {$1800.00}. XXXX ( Loancare ) is assessing my County taxes as {$1800.00} with an additional {$700.00} in City taxes and therefore charging me twice for the City taxes which are included in the {$1800.00}. I have sent them a copy of my county tax bill on XX/XX/XXXX showing that both taxes are now combined and it has been confirmed by SEVERAL customer service reps that they have the copy of the tax bill and can see that they, XXXX ( Loancare ), are assessing the City taxes twice. 

Since sending XXXX ( Loancare ) a copy of my tax bill, I have placed numerous calls to XXXX Servicing ( Loancare ) requesting a new Escrow Analysis as the XXXX Analysis Escrow shortage has increased my mortgage payments to a distressing amount for me at this time. 

Although I did not document the dates of all the earlier calls I have made beginning XX/XX/XXXX I have been assured multiple times that they can see I am being charged twice for my city taxes and that they are requesting a new escrow analysis yet no changes have been made to my escrow account or mortgage payments. 

In addition to the many calls I have made, I requested a revised Escrow statement/analysis through XXXX online customer service on XX/XX/XXXX, explaining the issue in detail ( Ticket #  XXXX ). I received an email back on XX/XX/XXXX stating the issue was resolved with no explanation and no changes to my escrow account or my monthly payments. 

My most recent calls, I spoke with XXXX who assigned a case # XXXX on XX/XX/XXXX. She assured me that she has elevated and expedited my request for a new Escrow analysis with the corrected tax bill. 

I again spoke with XXXX, agent # XXXX on XX/XX/XXXX, who stated the case is still under review and should be resolved within a week and prior to my next payment going past due ( XX/XX/XXXX ). 

As of today, XX/XX/XXXX, my escrow account still list the duplication of {$700.00} for my city taxes and an escrow shortage of {$1000.00} with a higher monthly mortgage payment. In all the numerous calls I have made to XXXX ( Loancare ), I am not allowed to speak to a member of the Escrow Team and this issue is not getting resolved by the customer service team. 

I have not been working since XXXX of this year due to Covid-19 and this new, higher mortgage payment is having a huge impact on me and my family. 

Thank you for any help you can provide in resolving this matter.
Product: Credit card

This concerns the persistent failure by XXXX XXXX XXXX to impartially resolve disputes XXXX and XXXX with XXXX  XXXX in compliance with Visa Rules : XXXX. As such, a card issuer is obligated to provide Cardholder all protections in compliance with applicable Visa Rules, laws and regulations. Therefore, the card issuer is responsible for acceptable due diligent reviews of disputes in accordance with Visa Rules and the Fair Credit Banking Act of XXXX [ 15 USC 1666 ] From this context, XXXX anonymously assigned professional case investigator noticeably failed to investigate [ review ] and execute fundamentally applicable Visa Rules for resolution of disputes XXXX and XXXX regarding XXXX XXXX. In this instance, Elans witting inaction allowed XXXX XXXX to function outside of the Fair Credit Banking Act and standard Visa Rule regulations with impunity as follows : [ 1 ] Willful failure to execute Visa Rule : 11.10.2.2 concerning improperly cancelled dispute XXXX, [ XXXX ] Willful failure to enforce Visa Rule : XXXX concerning recently and improperly cancelled dispute XXXX [ XXXX/XXXX/0224 ], [ XXXX ] Willful failure to return phone calls within XXXX to XXXX business hours in support of enhanced customer protocol pursuant Visa Rule : 11.1.2 and [ 4 ] Remiss dispute Provisional Credit reversals prior to due diligent review or research between the Merchant and Cardholder as required by Visa Rule : XXXX, etc.! 

Still in this regard, XXXX seemingly willful negligence on behalf of XXXX  was chronicled in a real time narration statement of Fact for further detail.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been unable to reach anyone via phone for over 3 weeks starting from the beginning of XXXX. 

I have made 5 attempts to call on different days of the week and been on hold for over 60 minutes every single time. My message through their system has gone unaddressed as well.

Nelnet put my loan into an administrative forebearance while I'm waiting for my SAVE application to go through. I did not ask for that to happen and wanted to keep my auto-payments going. 

I am unable to reach anyone via phone to opt out.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and I noticed that I have been a victim of identity theft I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO CONTACT XXXX, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error
Product: Debt collection

Halsted Financial Services called my cell phone on XX/XX/XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get  personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XX/XX/XXXX in an attempt to limit my time to respond and request for verification of debt.
Product: Student loan

I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : FRAUDULENT XXXX, XXXX, EQUIFAX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by XXXX, TRANSUNION, AND XXXX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : CREDIT CARD REASONING : I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX  BALANCE IS INCORRECT Account number : XXXX XXXX  : YOU MUST REPORT CORRECT BALANCE INFORMATION.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you delete/ correct these negative items as XX/XX/XXXX I asked for validation with no documentation of your investigation.According to section 611 of The Fair Credit Reporting Act, you were given 30 days to investigate and provide me proof of your investigation. Unfortunately you failed to do so.. As reporting inaccurate items are in violation to my consumer rights according to 15 USC 1681 a ) accuracy and fairness of Credit reporting. I hope we can resolve this matter amicably or I intend to file this matter to the Federal Trade Commission. Below are items I need validate with shown written proof of signed contracts with my signature and reports to the address above within 5 business days upon receiving. If this is not done in this manner, I am requesting you to delete these inaccurate reports on my credit report immediately. 

XXXX  XXXX Credit Card with account opened on XX/XX/XXXX and a balance of {$28.00}. .This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.. In addition, you are violating consumer law, 15 USC 1666 ( b ) ( a ) in respects to a billing error, a creditor may no treat a payment on a credit card plan as late for any purpose unless, a disclosure is sent 21 days prior to credit billing statement. I, the consumer did not receive this. So, I am requesting you delete the late payment off my credit report. 

XXXX Charge account with account opened on XX/XX/XXXX and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions. In addition, charge offs are cancelled debt are to reported as income. So, I am requesting you delete this charge off from my consumer report. 


XXXX XXXXXXXX XXXX Auto Loan with account opened on XX/XX/XXXX and a balance of XXXX 
This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.This account does not nor has not shown negative balance. I am requesting you delete the late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 requested removal of inaccurate personal information from Equifax credit bureau
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I learned that XXXX had a data breach which included my SSN and personal information, so I set about securing my credit. On XX/XX/XXXX I successfully froze my credit at XXXX and XXXX. I failed to freeze my credit at Equifax because I needed to create an account, and after verifying my information they claimed additional verification via mail was needed. I received my verification code via mail XX/XX/XXXX and put it in XX/XX/XXXX, receiving a " Welcome to myEquifax '' email. I still can not log into my account on XX/XX/XXXX though, and the website directs me to contact customer service via phone. 

Calling customer service via phone XX/XX/XXXX ( admittedly an off-day for support ) requires me to go through an hour of robot dialog. I follow the prompts ( admittedly very aggrevated at this point ) and verify my personal infomation ( including SSN ) only to be told that I should seek help at myEquifax online because support staff is unavailable. All I want to do is freeze my credit, why do I need to create an account with a business which has already leaked my personal information back in XXXX?
Product: Debt collection

I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Product: Student loan

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Debt collection

On XX/XX/19 I sent a certified letter to Southwest Credit requesting proof of debt validation. The alleged amount owed is questionable because of the dates of service listed on the bill. Southwest Credit responded to my request by sending a bill summary. On XX/XX/19 I sent a 2nd certified letter requesting additional information due to the debt collectors failure to provide me with proof of proper debt validation per FDCPA. Again, Southwest Credit sent me a bill summary. Southwest Credit is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards
Product: Mortgage

I have been trying to work with new Rez/XXXX  mortgage services with regards to my property. The amount to reinstate my loan as of XX/XX/XXXX was {$31000.00}. I have {$20000.00} and I requested that the rest of the amount be put into a repayment plan and or forbearance plan. I can afford a higher payment to pay back that amount on a monthly basis however, XXXX/newrez are refusing to negotiate/cooperatein assisting with anything. When I asked if that was an option at first, I was advised that yes I can put the amount in a repayment plan or forbearance plan. They changed their mind and then verbally advised they will not do anything other than take the full amount owed.I have the financial means to make the higher payment to get back on track within 6-9 months, but I would be willing to pay the rest in a plan over the next 6 months. I do not understand why they are refusing and not bothering to explain to me why that is not an option. Again, they first stated that it was possible and then retracted that. I need to know why they would rather take my property than work with me to rectify the situation. I am a qualified homeowner with more than enough monthly income to make the payments if given the opportunity. In the past I was offered a loan modification and would send in the payments and XXXXNew Rez would claim they never received my payments. It has been an ongoing battle and I am ready to pay back what is owed. I need an answer as to why they are refusing my request for a repayment plan/forbearanceplan. They are refusing to review me for this option and them not providing an explanation as to why they are refusing so that I can possibly understand is unacceptable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres-for these violations.