23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage is not calculating my monthly escrow payments appropriately. As a result, when it is time to make payments for taxes and insurance my escrow account is short. This is not a result of taxes or insurance increasing as my taxes stayed the same and my home owners insurance only increased by {$50.00} for the year. My escrow account is short approximately {$500.00} and they can not offer an explanation as to why. My frustrations are fueled even further by the fact that this is the second time this has occurred. I need to know why there is a shortage and what can be done to prevent this in the future? Lastly, I would like to point out that the damage has been done for this year as we will now have to pay extra on our monthly escrow payments to make up for the shortage. This clearly could have been avoided if we had been given the appropriate amount to pay each month instead of what seems to be some kind of made up amount.
Product: Money transfer, virtual currency, or money service

XXXX Google XXXX  card That wouldn't show the whole code I've been trying to get hold of Google XXXX  for over 2 weeks and have no response to a refund
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting XXXX  loan history. When I signed up for a XXXX loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I have problems to access my account, so I asked for support on the XXXX, to which they replied that I should make an appeal, so I made an appellation because I wanted to understand why they have blocked my account, as I had only introduced money to be able to use it, to take advantage of to have my savings in a multi-currency account and to be able to make payments when necessary. On the XXXX they answered me they need it more information, but the documents they asked me for were the same I had already sent in the appellation, so I send them again ( picture of me and my ID, picture of my ID with a code number they gave me and the explanation of the appeal ). After they sent me an email that says they have decided to close my account, that they can't give me my money back, and they cant tell me the reason why they have taken the decision. 

After this I have tried to contact the in different ways, call center, social media, emails and the answered is always the same, they cant give me explanation or reasons of what happened with my account or my money. I have XXXX eur in the account and nobody is given me and answer of where is my money, why do they block the account or been responsible to give me the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. Equifax had removed the public record then they re-inserted it causing my fico score to suffer.
Product: Credit reporting or other personal consumer reports

I had some misdemeanor warrants cancelled when I was fighting a federal charge. My lawyer filed the proper paperwork to get rid of the warrant, when I was released from XXXX XXXX  made sure the warrant was cleared ( or they wouldn't let me go to halfway house ) and I was told it is cleared and nothing shows up. On the criminal history report XXXX warrants show up from a time period when I was in fact incarcerated. I need help clearing this up.
Product: Debt collection

A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Product: Vehicle loan or lease

Nissan XXXX was totaled in accident on XX/XX/2022. Problems with XXXX claim adjusteXXXX that led to delay in them taking possession of vehicle. Nissan then claimed the vehicle in XXXX without any notification. We never stopped paying the loan for the vehicle. I finally got XXXX to step up on the claim at end of XXXX. Nissan received full payout shortly thereafter. 
In getting credit in XXXX, notated that vehicle marked on credit report as repossessed. I called Nissan and XXXX about this without much help. XXXX tried to intervene but Nissan wanted nothing to do with it. Multiple letters went to Nissan. Multiple disputed with credit bureaus but repossession still remains on credit. It devastated my credit and had hurt us financially. 
Nissan is continuing with the fraudulent claim that the Nissan XXXX was repossessed. They are standing by repossession. If this is true, they violated Maryland Law. If Nissan stands by the fact that it was repossessed, then it was wrongfully repossessed and in violation of Maryland law. According to MD Code XXXX. Repossession. Per that sections a Notice of intent to repossess must be sent at least 10 days before a credit grantor repossesses any tangible personal property, the credit grantor may serve a written notice on the consumer borrower of the intention to repossess the tangible personal property. No such notice was delivered to my address. I received no notice of redemption. Nissan never discussed or sent any documentation. I want this wrongful information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the Experian, XXXX, and XXXX about the fraudulent accounts. I sent the information via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays, XXXX XXXX XXXX XXXX, DE XXXX Has me as XXXX XXXX and my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Case Id was XXXX XX/XX/XXXX account is navyist card which is now closed by them. Due to delinquent. 
Falsely reported that on XX/XX/XXXX they gave me {$41.00} back while they investigated the circumstances surrounding the price of a particular payment they lost. I provided proof in the mail within the 20 business days of both electronic and picture of the cashed check they claimed was not received. They found out that it was paid, but they reported to the my credit report and Im very upset and would like something done about this. It was a false report regarding not my fault of a payment that was issued to them before the date of payment due. They lost the payment, but reported falsely to my credit report port that I did not pay it when then later they found out that I did I got a text message to said my credit card had been paid off on my credit report. I am very upset.
Product: Credit card or prepaid card

Someone on XX/XX/2023 attempted to open two different credit cards using all of my information. The cards were with XXXX XXXX XXXX and Barclays ( XXXX XXXX ). Which resulted in two hard hits on my credit. I have been unable to speak with anyone with XXXX  XXXX XXXX and Barclays was only able to provide that the application were done online. I have put a freeze on my credit. I am making a report with my local police department. I want to have this investigated for future issues.
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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party reporting agencies are not updating my credit score and are showing closed accounts with old information that should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.
Product: Debt collection

I sent a debt validation letter to Caine & Weiner for a collection account found on my XXXX credit file. I sent a request for debt validation on XX/XX/XXXX via certified mail. it was received and signed on XX/XX/XXXX. It has been 30 days without communication. I have not received any documentation validating the debt belongs to me as allowed under the Fair Debt Collection Practice Act ( FDCPA ). I attached a copy of the validation letter sent and proof of certified mail received.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Transuion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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.
Product: Checking or savings account

Bank of America is unfairly denying me access to open a personal checking account due so some fraudulent activity associated with a checking account ending in XXXX. I have tried calling them many times to try to get more information about this and to resolve this situation but they are not providing me with the opportunity to resolve this unfair treatment of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

This letter serves as a final demand for immediate action regarding unresolved negative accounts on my credit report, which have remained unaddressed despite multiple previous attempts to rectify these inaccuracies. These unresolved entries have caused significant distress and are unjustly impacting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card and XXXX XXXX XXXX accounts have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Thank you.
Product: Debt collection

I, on behalf of my husband, called XX/XX/2019 to inform Receivable Solutions, Inc. upon receiving a letter ( dated XX/XX/2019 ) that the account about was already paid off through the hospital. A mix up in accounts had caused a delay in payment being posted and the account was current. The lady who took my was rude, interrupting me, and refusing to allow me to talk. When she said her name it was muddled. As I tried to explain the mistake that had caused the issue, she interrupts me to say I have an account in collections as well. I explained that I was not aware of this account, but that shouldn't be. She was condescending about having her supervisor " check into '' the information I had provided about payment being made directly to the hospital. I asked if I could speak directly with that supervisor. She then said that if someone was there to talk me as if no supervisor was available to talk to me. After being on hold for several minutes, XXXX answered, who identified herself as a supervisor. I told her about how I was treated by the first lady. The supervisor apologized for me not being treat to " my expectations '' and said she would talk to the lady who took my call. After concluding my business matter ( putting my husband 's account on hold until the information I provided could be verified and closing my account ), I again asked about discussing customer service with the lady I spoke to earlier. The supervisor again said that she would talk with her. I asked if the supervisor could provide a follow-up about the matter. The supervisor then told me that she would replay the call and talk to her. I asked third time for a follow up on customer service training and she told me that she doesn't call customer 's spouses back. After I reminded her that I was a customer also, by her own admission, she said doesn't call anyone back about reprimands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Bankruptcy Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it is showing the wrong name, and the wrong addresses on the report. 
I dont have numbers in my name and i also only have one address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage has reported an inaccurate 30 days delinquency on mine and my husbands credit reports. I did attempt to make my payment on the XXXX and XXXX day of month ( XX/XX/XXXX ) but because the system was putting in the wrong amount of my payment I was unable to make my payment. I attempted to contacted Freedom mortgage several times and was on hold for over 30 minutes each time. I was finally able to get someone and made my payment. I questioned the errors on the online system and the inability to get in touch with someone. I was told that they were short handed to due the holiday and system errors like I was experiencing were causing an increase in call volume. I thought surely they were aware it was there issue with the system and I would have no issues with my reporting. I later called back and was told not to worry that there would be nothing reported. I am very familiar with the requirements under the Fair Credit Reporting act and I have no issues seeking legal advice if this delinquency is not removed from my credit report. Let me be very clear, I am not asking for a goodwill removal I am demanding that you update my report bc of you system issues surrounding the timeframe in which I was attempting to make my payment. I hope this ends here and quickly.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) reported collection accounts against my social security in the amounts of {$770.00} and {$550.00} to XXXX, XXXX and XXXX credit reporting agencies. PRA has not provided documentation to support their allegation that they purchased and have a right to collect on the debts.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX has reported XXXX Bank on my credit report as a charge off with the amount of {$760.00} from XXXX that is not mine. This account does not belong to me and I have never had a XXXX Credit Card nor have I done business with them I have tried disputing to Equifax and XXXX but they have not removed the account.
Product: Checking or savings account

On on XXXX I made a payment to XXXX XXXX in the amount of {$15.00}, but also made another purchase which dropped my account lower than I realized. The next morning I made a {$40.00} deposit to my bank to cover all transactions, and noted that the {$15.00} had been debited from my account and I was still in the positive on my account. On XXXX I noted an overdraft fee on my account, as nothing should have been debited from my account I called BB & T to ask what the fee was. That was when I was told that the XXXX XXXX fee had bounced and caused the overdraft. I explained that the amount had been cleared as of noon the XXXX, without issues and that I did not have their overdraft program that allowed them to pay out purchases if my account was short. The lady, XXXX XXXX, confirmed this and could not explain what had happened, only that it was valid and I wouldnt get my money back, she even chuckled about the situation at the time. I explained that the last fee was returned in XX/XX/17 when I had called my former car insurance and three-wages called the bank to prove that they had made an error and that, that return of fee should not count against me as that was their fault. The woman again stated I would not be getting a refund before I hung up. I also reached out to their social media accounts and received the same answer but no one could explain why it had both cleared and caused a bounce check fee. Can this be looked into? I feel as though my bank stole from me and it doesnt make me feel comfortable with them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account appearing on my credit reports 1. XXXXXXXX XXXX {$2100.00}