23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home loan with XXXX Mortgage Co. 

I received a notice re a shortage in my escrow account, and was given an option to pay in full the shortage, or start paying a higher monthly amount. I chose the former, going to the website and paying the amount of {$1400.00} in full. 

XXXX has acknowledged receiving the amount, but claims that they didn't know where to put the funds I had paid, and after trying to contact me ( the phone number they had in their database was incorrect ), they applied it to my escrow, which according to them is different from the escrow shortage account. 

Because I had already paid the shortage, I paid the bill due in XXXX in the amount of {$3200.00} instead of the higher amount if they had not received the shortage payment ( approximately {$3400.00} ). 

However, because XXXX did not apply correctly the escrow shortage payment I sent in : XXXX ) they have claimed I had not paid the {$3400.00} payment due on XX/XX/XXXX XXXX ) added late fees XXXX ) reported me to the credit bureau for XXXX I spoke to a Roundpoint rep on XX/XX/XXXX and she had claimed they would fix the issue and remove the late fees, and my future payments would be {$3200.00}. She told me to wait till XX/XX/XXXX and everything should be fine. Instead, a delinquency notice was sent to the credit bureaus around XX/XX/XXXX. Immediately after being contacted by XXXX, I called XXXX again and was told they would TRY to fix the problem which hopefully would reflect no delinquency around XX/XX/XXXX. In the meantime, my credit is messed up. The rep also said I have an escrow overage and would receive a refund check, which further muddies the situation.
Product: Checking or savings account

On XXXX  I deposited a large check into my personal account a my chase bank. Later that day I received and email from chase stating that the funds would not be available till XXXX. I at that point I called them to have them manually release the check which I had in the past with out issues. The employee I spoke to told me that the hold had already been released and my funds would be available at XXXX XXXX XXXX XXXX XXXX  and confirmed it twice to me on the phone. The next morning I was disappointed to see that the funds were still on hold. I called in again and was told there was still a hold and spoke to someone in department that handles the holds. That lady said there was nothing she could to override it and then we were abruptly disconnected. I though it was very odd I was told one thing the day before and now a different thing so I called back. I asked to speak to a manager of the holds department after explaining everything to her just said she would get it taken care of I was on hold with her for awhile and said he submitted the request and the funds would be available in my account in the next 30-45mins. Well that never happened, I called back 3+ hours later and spoke to another manager in the same department. He said he saw the request was denied by the previous employee but he could fix it. I was on hold with him awhile and he told me he needed to speak to my attorney who issued me the check. He confirmed with him the check was 100 % legitimate and that I would see the money in my account within 20 mins. Guess what? That never happened. I called back in the morning of the XXXX and spoke to another manager who said they must have just not gotten to the review and he would send a priority message to his " back end team '' that does the reviews and I would see the funds in 20 mins. Surprise no money 5 hours later, and when I call they say it was just denied. I asked them why would 4 employees give me false information? Of course they would not admit to their coworkers lies. Here is the thing I understand checks taking forever to clear when its a large amount. But when I am told differently then that is what I am expecting. I was told but 4 different employees 4 different times and dates when to expect my money. Do banks have any obligation to be truthful to their customers? Are they able to make fraudulent statements to their customers without recourse regardless of their intent? Is it typical of banks to call the person ( my attorney in this case ) who signed the check and then disregard the answer they provided from said person? Also as Chase reminded me all calls are recorded so it will be very easy to verify everything I have said.
Product: Student loan

In 2015, XXXX XXXX XXXX University wouldn't release my transcripts because I owed them roughly $ XXXX {$800.00} for withdrawing from their school before the quarter ended. I left because my program was closing and they either wanted us to either do a dual degree with any of the current or new programs or start over. I chose to start over but not at that school because I couldn't afford it. So I went to a community college to start over but they needed my official transcripts and XXXX wouldn't release my transcripts. After I was finally able to pay off what I owed at XXXX and get my official transcripts, I found out from the Board of Education that all of the credits I earned at XXXX were not even transferrable/accredited. So I racked up thousands of loans just going to XXXX and not even having any credits available for transfer.
Product: Credit card

Charge was made for a XXXX hotel. I never stayed at a XXXX hotel. I disputed the charge with Chase, and they asked me to provide proof that I stayed at a different property. I provided photo proof. They then told me to provide proof that I left my wallet in my room. Of course that is impossible. They then told me to provide cctv proof that the person that swiped the card was not me. There is no contact info for XXXX - again impossible. They then asked me to get a member of hotel staff in another country to admit to the theft of my card. Again impossible. Case was closed and I was rebilled for the charge. 

The whole point of using a card is to be protected from unauthorized charges like this. I've never had a bank so flagrantly unhelpful and unsupportive as this. XXXX XXXX was disrespectful and frequently spoke over me. XXXX made me wonder why the heck I do any business with a company who treats their customers this way.
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 DPT TREASURY XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom it may concerns : After several attempt phone calls with Chase freedom Credit Card dispute department, Customer Service, and branch visits my issue still pending since XX/XX/2019. I purchase sunglasses from XXXX XXXX XXXX  on XX/XX/2019 and returned them to company via XXXX on XX/XX/2019. Merchant received returned sunglasses on XX/XX/2019. Merchant did not return the money or refund me back claiming that he issue a credit to the bank. Since XX/XX/2019 until now I open dispute claims for the charges and provide bank with XXXX proof that merchandise was returned and still I am not going any where. Dispute department at chase they are so hard to deal with what hurt is that they keep asking for a proof that I return the merchandise and I keep sending it and always they say we did not get it on a timely manner and ask me to open a new dispute ... I am sure money is somewhere with chase and they do not want to refund me back my money. Please help I have family and I can not afford to pay for something that I do not have nor using.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account.

American Express is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I found out that CFPB is suing Experian for their mishandling of credit report information. I'm again filing my complaint against them due to information on my credit report. According to 15 USC 1681i ( a ), 15USC 1681i ( a ) 6 ( b ) 3, and 15USC 1681i ( a ) ( 5 ) B, I don't know what is legally should be there and what shouldn't. I'm requesting that my Experian credit report is wiped clean due their inability to monitor and keep my report accurate and secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 someone opened a XXXX credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and XXXX XXXX on multiple times and they still have not removed item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX account # : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 8 states I have the right to privacy. 15 usc 1681 section 604 section 2 states consumer reporting agency can not furnish your account without my written instructions.
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 XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 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

As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of 1996 was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXXXXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Equifax keeps putting a freeze on my credit report and it affects my credit for the past year. 

I have never requested a credit freeze I have previously requested to remove this. 

When I call I have been disconnected twice and my online account is locked and will not let me in and keeps telling me to call. 

I can not request credit limit increases on most of my credit cards that use Equifax cause it says it locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT 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. 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
Product: Debt collection

It was baught by mistake. XX/XX/2024 I spoke to customer service to return the item I recieve I tried to drop it off at XXXX XXXX XXXX XXXX  But I needed a code. Customer service could not provide me one because he said I no longer have an account with XXXX due to fradulant in my transactions. He said he will be sending me a code I'm waiting nothing yet I have tried this couple times and I was told the same thing over again. I will try again.I still have the item unopened in the box unopened. XXXX still trying to take money off my bank account and I keep getting over draft that my bank keep reversing it because I do not have enaught funds. 

I started a return transaction online on XX/XX/2024 the label was not working when it was being scanned at XXXX XXXX. 

Item is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX to be exact while using my phone I saw a notification from Bank of America pops up so I stopped what I was doing on open the email when I opened the email I saw the email stated " we placed a hold on a check you deposit at an ATM an amount of {$5200.00} '' I was in shock I was like " a hold on my check " because I saying that I didn't deposit a check or go to any atm since lately nevertheless, I rushed to my online banking I realized I'm unable to logged in I went to my book bag that I took to work and checked for my wallet I realized my wallet wasn't in my book bag so I rush to see if it's in my living room or somewhere in the house then I said to myself my wallet maybe it fell out on the seat in the bus because it's not where to be found so I rushed to XXXX and typed " bank of America customers service number '' it popped up and I pressed the number on the screen got to speak with an agent/assistant I told her that it seems like my wallet fell out in the transit while coming from work and someone found my wallet with my information ( I wrote the information for my bank because I always forget passwords, pin etc and sometimes my phone not back up so if I use my notes it's going to be gone if it's not backed up ) so I told her to removed the link account for my online banking because I didn't want whosoever found my wallet in the bus transfer the funds to their account so she did told me that the linked account is unlinked so the call end I went on XXXX to make an appointment to go in person to also report the following Thursday the but they were no slot available so I got an appointment for the following Friday which is the XX/XX/XXXX I when I going back on forth on calls they said my account is going to closed which is so sad because some tries to do fraud on my account and all checks that I deposit I never wrote my middle initial or that's not how I form my W 's and other letters to conclude this my dispute and I hope to hear from you guys with a solution thank you in advance!