23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a surplus in my escrow account in the amount of {$10000.00}. I was informed by Specialized Loan Servicing on XX/XX/year> that my escrow payment would be reduced to {$320.00} from {$1000.00}. That has yet to be done. My mortgage payment was to be reduced from {$4000.00} to {$3200.00}. That has yet to be done. I was to receive an escrow refund of {$10000.00}. That check was never sent. My escrow balance still shows the overage of {$10000.00}. I have called Specialized Loan Servicing on 4 occasions to escalate and it still has not been done. They now tell me that the refund check was cashed though my escrow account has not lowered. I never received a letter nor check. Nor have I cashed any check from my escrow. I am now being asked to file a police report and claim fraud. They cant explain why my payments have not been lowered nor can I get an explanation as to why I still have a {$10000.00} overage in my escrow account if the check had been sent and cashed. There automated system show no escrow refund was ever processed. I believe there is an issue with there process and systems resulting in a failure to lower my escrow payment, which would result in a lower monthly payment. There is an error in the system as the escrow balance has stayed the same but they are claiming a refund check was sent and cashed. They have not provided me a copy of the canceled check and are now asking that I send it all in writing
Product: Debt collection

I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned collection are the result of identity theft and fraud.
Product: Debt collection

I am filing a complaint about a scam debt collection agency named Cavalry Portfolio Services , LLC. I looked up the address ( XXXX. XXXX XXXX, XXXX, NY XXXX ) on the Better Business Bureau site and it came up invalid. There is also another address to make payments ( XXXX. XXXX XXXX, XXXX, AZ XXXX ). I received a letter from them asking for {$6200.00} for a XXXX XXXX XXXX / XXXX XXXX XXXX account ( XXXX ) that I 've never had or owe. I would never make a payment as they ca n't fool me. I feel this agency definitely needs to be investigated as I do n't want them to scam innocent citizens.
Product: Mortgage

PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.
Product: Money transfer, virtual currency, or money service

I have tried several times to CASHAPP. Their was fraud on my account They have disregarded my complaints. I let XXXX XXXX know about the fraud and they refunded my money. After I closed my account they are saying XXXX. I have the names of the people and this started in 2020. I had money so I just recently included that information. I have copies of most of the conversations. 
XXXX.CASHAPP allowed people to fraudulently add money, via XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One had fraud charges on my quiksilver card. 
I had no idea these charges occurred in XX/XX/2019. 
They were small -- less than XXXX dollars. 
When I did not get the bill, notice, email or text alert, they charged late fees. 
They charged interest. 
They had credit card fees that were over {$100.00}. 
So now they said I owed over {$140.00}. 
Somehow, I became aware in XX/XX/2019, and promptly called them and arranged for payment by phone to bring the account current. 
They were also supposed to open an investigation. 
They did not. 
The operator did not properly make the check by phone. 
So the account got charged off. 
It severely damaged my credit. 
I called them in XX/XX/XXXX. I called them again XX/XX/XXXX. They finally called and said they would fix it. They admitted to the mistake being on their end. They said they would reinstate the account. They said they would send me my rewards money. They did not. They reported to the credit agency that the account was late and charged off. Then they updated to say the account was closed at my request. All of this was not true. I told them to reinstate as long as they did not run hard credit check. The woman said she would get back to me and never did. 
The account was open for 4 years and that history being off my report damages my score. 
They also stole my reward money.
Product: Credit reporting

XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER )
Product: Consumer Loan

I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!
Product: Credit card or prepaid card

I purchase a two {$500.00} US Bank Visa Cards on XX/XX/XXXX at XXXX in XXXX, TX. They did not activate. I have tried to call the number on back of the cards XXXX and customer service is unresponsive and it does not allow me to see the balance at XXXX.. Could you please have this activated ASAP. The phone number for customer service is XXXX. Both cards should have {$500.00} balance per the receipt.
Product: Mortgage

XXXX XXXX XXXX XXXX ( XXXX XXXX ) provided misinformation on Cash to Close amount needed. The amount disclosed to Buyer, prior to closing, ranged from approximately {$4000.00} to {$6000.00}. 
XXXX sent Buyer a Closing Disclosure on XX/XX/XXXX, just three days before Closing, which showed Cash to Close {$5100.00}. However, 45 minutes after Closing had commenced, Buyer was notified that {$22000.00} would be needed to Close on the Property. Cash to Close cost of {$22000.00} was never discussed nor disclosed to the Buyer at any time leading up to Closing. 

- The Buyer inquired numerous times, by phone call and through electronic correspondence, to the amount that would be needed to Close on the XXXX property. XXXX XXXX email dated XX/XX/XXXX estimated Closing Cost at {$4900.00}. XXXX XXXX and XXXX XXXX forwarded documents that reassured Buyer that Closing Cost would be affordable and in Buyers affordability range. 
- XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$6400.00} - XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX   Estimated Cash to Close : {$4900.00} - XX/XX/XXXX ( 3 Days prior to Closing ) Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$5100.00} - XX/XX/XXXX ( Day of Closing + 45 minutes into Closing ) Buyer received Final Closing Disclosure from XXXX XXXX XXXX Estimated Cash to Close : {$22000.00}.
Product: Debt collection

Holloway Credit is reporting an account on my credit report. I had not previously received anything from them. I mailed a letter requesting verification and validation of the account. The company then mailed me a bill with a statement stating that I have 30 days from the date of the letter, which is dated XX/XX/2021 to dispute the validity of the debt. However, the account was reported on my credit report before this notice was sent to me. The most recent reported date on my credit report was XX/XX/2021. I sent the letter requesting validation to the company on XX/XX/2021. Only at this time did the company send me the notice that was supposed to be sent to me before they reported this account on my credit report. I have attached the bill with the statement from the company with the date XX/XX/2021 circled. I also attached a document showing where this account was last reported on my XXXX  credit report on XX/XX/2021. I know that this is a violation as the company is required by law to send this notice of the right to dispute and ask for validation before reporting anything on my credit report. 

Also, as I was submitting this dispute, I saw an option that states the company 's letter did not state that this is an attempt to collect a debt. The letter from the company does not have this statement on it either. So, this is another violation. I could only select one option on this complaint.
Product: Credit card

I am really unhappy with my credit card from XXXX rewards XXXX. It is with FNBO, and it is connected to my XXXX casino rewards. 

I added up all my transactions and the balance is not equal to my calculations. The transactions seem to be repetitive. I found the same transaction charged already, and it says it is pending again. The balance keeps going up, I think they are raising it up on purpose. They are putting extra in the balance because it is not adding up to be the same total. 

I barley got the card in XXXX and started using it. There are not a lot of transactions. 
I put screenshots of the transactions, the ones that are repetitive are from this month XX/XX/XXXX. There are a couple repeating in the date area. You should add up my transactions. 

I already have another complaint on this company. Different issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, is reporting in-accurate and in-consistent information on my credit file. 

1. Date Account opened is in-accurate 2. Account number being published is in-correct 3. Last payment made has different dates ( XX/XX/2012 & XX/XX/2012 ) 4. Account is being Re-aged 5. XX/XX/2012 Published that account was charged off 6. XX/XX/2012 Published that account was 120 days late 7. XX/XX/2012 Published that account was Charged off Please see CREDIT REPORTS with in-accurate and in-consistent information, Also, see letter of evidence from XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for probably 20 years. It is currently active and within the last months have charged purchases through XXXX which are charged to my credit card. 
Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. HOWEVER, it now demands that I give them my cell phone number and will not log me in without it. Their web page does NOT provide an option to skip it. I am stuck. 
They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. This is a violation of privacy.

And what if one does not have a cell phone number? Permanently locked out.

Further, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' So they are violating their own terms.
Product: Credit reporting or other personal consumer reports

No direct benefits were gained from these credit inquiries nor did you receive permission from the executors office, XXXX XXXX. These credit inquiries were opened without our permission, and we do not recognize them. Unless you can provide authorization from the executors office by the executor, please delete these inquiries immediately. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DEPARTMENT OF EDU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been getting calls for a person XXXX XXXX for 1 month. The collector asked me for my social security number. The phone number they call from is XXXX. I was told last week they wouldnt call me anymore since I have no debt with them. I got another call this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times to hear that there isn't anything they can do about fraudulent inquiries. I have inquiries on my report that do not belong to me. I have never applied for these accounts. I am a victim of an identity thief. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  and all XXXX major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent XXXX XXXXXXXX XXXX a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested XXXX XXXX XXXXXXXX XXXX  provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the XXXXXXXX XXXX recipient on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. XXXX XXXX 's willful negligence has had an extreme impact on my financial affairs. 

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX  is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXXXXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not consent to furnish this information, and XXXXXXXX XXXX  XXXX does not have my written permission. 

Given XXXX XXXX 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and XXXX my privacy. As per the Fair Credit Reporting Act, XXXX XXXX is obligated to delete this account. I am also reiterating my request to opt out of all reporting by XXXX XXXX XXXXXXXX XXXX to all credit bureaus and to have the account removed from all three major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account incorrectly the account listed as XXXX XXXX XXXX / XXXX XXXX has several late payments that do not match up with the other XXXX credit reporting agencies. Transunion is reporting late payments from XXXXXXXX XXXX  but XXXX is reporting late payments from XXXX XXXX. Neither credit bureau can verify rather this information is correct. Transunion also refuses to provide the source from their investigation. The law is clear that they are required to disclose this information. Instead their response is only verified as accurate with no other information. Tell me exactly how you are verifying this information and with who because this is a violation of my right to privacy and I will have to sue to protect my consumer rights. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Money transfers

Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek resolution.
Product: Credit card or prepaid card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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 an 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 or 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. 1681 S-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: Credit reporting or other personal consumer reports

I contacted Equifax on numerous times regarding my credit report to no avail, always came back verified when it should of not. then just recent in XX/XX/year> I asked again and they updated my report with charge Offs and it tanked my score and because of this I lost some credit cards or limits cuts they made it seem it was recent and in fact it was over XXXX ago -- the companies are as follow ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this company was closed and paid in full before charge off but it states closed charge off. they will not delete these obsolete accounts all they do is keep updating them and ruining my credit.

I Want Equifax to delete these misleading and incorrect accounts as soon as possible