23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have inquired about paying my own taxes and insurance into my escrow in order to prevent my mortgage from raising. I have a fixed mortgage rate. I was told it would be possible but wait for escrow analysis to pay shortage or any changes. The servicer names Newrez attempted to charge me twice what the county asked for tax and attempted to raise mortgage higher than what was being paid without warning or option to pay shortage. I immediately called them and notified them of this error. They asked for documentation proving my taxes were lower. Once I provided it they then agreed to charge what county charges. I then proceed to tell them I still intend to pay shortage if there is any. They then notified me there is no shortage I actually have a surplus however they still want to charge me a higher rate in anticipation of a possible shortage. When I told them first all of their calculations are incorrect because they were based on the wrong tax information they said well that is the only option or write a hand written note to remove the escrow. I did. Then I was told I would have to refinance to a higher rate in order to remove escrow which was not mentioned before and the representative stated oh well there is no other way. This practice seems predatory and shady as it is as if they are trying to force unaffordable payments or undue hardship in order to push for forclosure or a higher interest rate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, multiple, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Product: Credit card

On XX/XX/year>, XXXX called me and left a voicemail at XXXXXXXX XXXX  stating that if I did not return their call within two business days, they would be unable to assist me regarding my case ending in XXXX. I called them back the same day at XXXXXXXX XXXX at XXXX and spoke with XXXX, a dispute XXXX. She assured me that my case would not be closed since I had contacted them. I also requested written confirmation of my call to ensure there would be no issues, but she stated that it would only be notated on my account. 

Despite XXXXXXXX XXXXXXXX I received the same voicemail again today, XX/XX/year>, at XXXXXXXX XXXX, while at work, stating the same warning about my case being closed. XXXX had previously assured me that I would not receive another call and that my case would remain open, yet the voicemail contradicts this. 

I am concerned about the inconsistency in communication and would like written confirmation that my case remains open to prevent any misrepresentation or closure due to an internal error.
Product: Money transfer, virtual currency, or money service

I opened a Kraken  account on XX/XX/XXXX. This included providing copious amounts of PII ( understandably ) and successfully inking my checking account for currency purchases. After confirmation that my account was opened and checking account linked, I put in a purchase order for {$250.00} of XXXX cryptocurrency. The order was placed ( minus Kraken  's fee ). I then attempted a {$250.00} purchase of another currency -- - and was told that the purchase could not go through. The next day, I was told that I could not purchase through my checking account, but could use a debit card -- - and a transaction fee to Kraken that was 300 % higher. It appeared to be some sort of bait-and-switch. They told me my checking account could not be used. I checked the balance in my checking account and found nothing had been deducted. I unlinked the account. A day or so later, I was told that my Kraken account had been closed. Shortly after that, I received an email stating I needed to arrange for payment of the {$250.00}. I explained that they initailly accepted by checking account ; they had closed my account; and I had unlinked it. Over the next two weeks there were several back-and-forth emails from agents -- - always sent around XXXX XXXX time. I had also seen XXXX rise in value about 20 %. They stated I had made the purchase and wanted me to empty my account. I asked for a full accounting. On XX/XX/XXXX, I received an email stating that my account was opened and I needed to withdraw the credit balance of {$46.00}. I was able to log-on and successfully re-linked my checking account ; but when I applied for withdrawal, Kraken again stated my checking account could not be used. I unlinked the checking account again. I am demanding a check for my balance of {$46.00} to be sent to me via USPS. This is an unscrupulous and dishonest organization. They have an F rating with the XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit card or prepaid card

They want to charge a fee per month yet wont allow me to use the card. Ive made multiple calls and chat messages to try and fix the problem. The company wont do anything about it. 

It needs to be fixed to wrk and fees removed for not providing a service
Product: Credit reporting or other personal consumer reports

XXXX writing to formally request the removal of illegal medical information included in my consumer report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 6 ) Health Insurance Portability and Accountability Act 42 usc 1320d ( 5 ) ) 6 ). The presence of such information not only breaches my privacy but XXXX also result in unfair treatment. 
Upon reviewing my consumer report, I noticed that the following medical information has been included : * XXXX XXXX XXXX * XXXX XXXX  * XXXX XXXX XXXX XXXX Under the FCRA and related laws, consumer reporting agencies are prohibited from including specific types of medical information unless explicitly permitted under certain circumstances. i dontnot consent to the sharing of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to furnish EXPERIAN consumer report online at XXXX.XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$4000.00} to Coinbase : Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX United States Account number XXXX Routing Number XXXX Recipient Name Coinbase, Inc Recipient Address XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Reference Number : XXXX I sent the money from XXXX : From : Account : INDIVIDUAL ( XXXX ) Action : Transfer cash To : Account : XXXX XXXX XXXX  Account Number : XXXX Bank Routing Number : XXXX Wire Amount : {$4000.00} Transfer Fee : {$10.00} Total Amount : {$4000.00} I have contacted both XXXX XXXX  XXXX XXXX XXXX who both verify that Coinbase has my money. I have attempted to get into contact with Coinbase via E-mail, their support portal on their website, I have tried calling them ( they have no numbers publicly available ), and I also tried reaching out to them on XXXX  and reversing the wire transfer through XXXX to no avail. At this point the money is being held hostage by Coinbase and I can not get in touch with any individual who may be able to help me. I have read online and a number of users have had issues with Coinbase holding their funds hostage/in limbo. Any help with this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST This is not a normal complaint this complaint is to expose the bureaus fraudulent practices that you the CFPB can do what you are supposed to do and shut em down until they do manage to do business by the law. Ive complained about this issue several times. I need action and recourse. CFPB it is your whole reason for existing. to make sure that these institutions dont take advantage of consumers. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed items on a credit report within 30 days, I have found your lack of action and correction unacceptable. The Accounts listed in the attachment have not been properly investigated nor verified with the diligence the law requires. 

Moreover, under 15 U.S.C. 1681b, the FCRA stipulates conditions under which you are permitted to report consumer credit information. Express permission is a requirement not to be overlooked. Without my consent, the reporting of any such unverified and incorrect information constitutes a direct violation of these statutes, effectively amounting to the illegal dissemination of data. 

Let this letter serve as a formal notice for your agency to CEASE AND DESIST all reporting of the aforementioned unverified and incorrect information related to my consumer credit files. Immediate rectification actions are required to address these inaccuracies, including but not limited to the deletion of these items from my record, to bring your operations into compliance with 15 U.S.C. 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sued me over an alleged unpaid balance. During the court process the case was disissed with prejuidice. Subsuqent to this I have filed a dispute with all 3 CRA regarding this. Discover continues to tell the CRAs that the debt is correct. I then called Discover directly on three different ocassions ad they continue to report this debt even though they know the case has been dismissed with prejuidice.
Product: Prepaid card

I have two American Express pre-paid gift cards totaling {$5000.00}. Both cards are active and valid as confirmed when I called customer service on a number of occasions. On Monday, XX/XX/XXXX, I tried to pay for an order at XXXX XXXX but both cards were declined. First I tried in the store, swiping the card, then when that was declined I tried to enter the card numbers manually online with XXXX XXXX and again both cards were declined. Customer service said there was nothing wrong with the cards and maybe I should just keep trying other merchants. They also offered to send two new cards but, as I explained, it wasn't an issue with the magnetic strip as both were declined when I tried to enter the gift card numbers manually. 

I should be able to use these cards where and when I want and said that to them. They couldn't care less. I ended up having to pay for the order on my personal credit card as it was going to be cancelled unless the charge was paid for on that date.
Product: Mortgage

I'm trying to refinance my first mortgage and I have Equity line of credit with HSBC that I'm not including the refinance, per HSBC policies, I sent a subordination agreement package and I followed up with tons of emails and calls, the servicer charged me for the agreement {$250.00} and it's taking 30 days to process the request and they said processing takes 2-3 business days, it has been more than 20 business days with no response and no reply, my rate for the refinance has expired and closing has been postponed 3 times and HSBC mortgage servicer are not cooperating and not providing information, now in additional to the {$250.00} for the agreement, I also paid {$450.00} for the appraisal because according to HSBC policy, I had to provide appraisal report too. 
Please help
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on experian it continued to update as charged off in both XXXX and XXXX XXXX on experian it reports XXXX potentially XXXX XXXXXXXX XXXX On XXXX it reports XXXX Potentially XXXX XXXX and shows no Payment history on XXXX.On experian it reports account type as " Charge Card '' on XXXX as Revolving account and on XXXX XXXX Revolving account. On XX/XX/XXXX Experian reports on time payment in XX/XX/XXXX on XXXX it reports XXXX  days XXXXOn XXXX it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXX inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of my credit report
Product: Checking or savings account

On XX/XX/XXXX, I reported unauthorized transactions to my Chime credit card account in the amount of {$1200.00}. I provided all documentation requirements as well as submited emails from merchant detailing the unauthorized use of my account. The company accepted one charge out of the ten as fraudulent and denied the rest of my claim. The company was supposed to issue documentation used in making their decision but failed to send anything to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 
The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S. Code 1666d 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q 18 U.S. Code 8 - 18 U.S. Code 1344 12 U.S.Code 5562 ( c ) ( 10 ) 16 C.F.R. 433.1 ( h )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX is reporting unauthorized information on my credit profile. 
Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXXXXXX XXXX. I am challenging the incorrect information with XXXXXXXX XXXX and XXXX inquiry on my credit report is fraud. Where Experian clearly violated the law. Experian put on my credit report an account number that is not my and the balance is false. XXXXl monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, Experian and XXXX decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX  account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.
Product: Debt collection

I received a debt collection notice by mail from Armada Corp . The phone number listed on the letter is not in service. Nor is phone number that is listed on the letter XXXX. I attempted to call the number multiple times within the listed business hours ( XXXX - XXXX ). The number just disconnects. This is not good for business.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XX/XX/XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that REGIONS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

XXXX XX/XX/XXXX I was referred to XXXX XXXX by the Builder I hired, XXXX XXXX . I applied for a loan via XXXX XXXX, relationship manager. 
XXXX ) When discussing mortgage with XXXX XXXX, I requested a fixed rate Loan. XXXX XXXX told me XXXX was the only program when converting the construction loan to a Mortgage. 
XX/XX/XXXX I emailed XXXX XXXX, he responded with bank does not offer long term fixed rates. I was never provided with any fixed rate mortgage options. 

2 ) Home Inspector did poor job ; he commented he could not see the air condition handler, but he did approve so Builder received payment. Bank Inspector stated there were gates on sight. Builder did not install gates on each side of house and filed mechanics lien to receive payment. Builder used Bank Inspector comments to request payment. XXXX XXXX referred me to XXXX XXXX. She emailed me copy of contract regarding Bank Inspector. 

XXXX ) XX/XX/XXXX In a meeting the Arizona Registrar of Contractors, City of XXXX, AZ Inspectors and XXXX builders, XXXX XXXX, XXXX stated the Bank said I was complaining on bank Inspector and that I was saying bad things about XXXX XXXX. 

XX/XX/XXXX I emailed XXXX and XXXX, why was my confidential complaint discussed outside of the organization. XXXX responded he did not discuss my complaint with anyone outside of organization. 
XX/XX/XXXX I emailed XXXX to file unethical complaint on XXXX XXXX, refer me to Human Resources, or if she is the one to discuss my complaint. XXXX referred me to zionsbancorp website to file complaint. 
My complaint should be confidential. Why is the bank discussing my complaint with others outside the organization?
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerihome mortgage wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter from a collections agency who said that I owe {$710.00} to an apartment complex they said I did not give a XXXX notice but only a XXXX that I left trash and did not feel my nail holes I have sent the collection agency and the lawyer that is now has the account all the information that I did what I said I did and they say I have not given them proof. They have put it on my credit and no one will rent to me and I will have to move and possibly live in my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and  yard sustained minor damage, but enough to need money to fix. XXXX XXXX sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from XXXX XXXX   asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted XXXX XXXX and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with transunion. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from XXXX XXXX '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.