23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX was my loan officer with Freedom Mortgage. XXXX told me she wasn't sure why escrow was on this refinance but not the two previous loans. She said she would send the information to the property tax accountant team and they would reach back out to me with an answer. They never called me back. When the notary came to me house for the signing of of the refinance, I brought it up again that the escrow was not supposed to be included on the payment. The lady then told me to go ahead and sign because it was a simple admin change and I could call the next day and it would be resolved. I called Freedom Mortgage from XX/XX/XXXX to XX/XX/XXXX before I was finally told that I had to pay the additional escrow for the last 4 payments or it would continue to hit my credit report. I had been told numerous times by different employees from Freedom Mortgage that it would not effect my credit until the dispute was resolved. Finally I got a call from a lady saying that I had to pay back the escrow and that they couldn't take it off my credit even though it was their fault. I explained to her that these payments were not late they were paid on time but only had the principle and interest. She told me put a written request to Freedom Mortgage to remove the adverse credit reporting. Then told me they probably wouldn't remove it.
Product: Credit card

Best Buy Credit Card- Account. 
I went to make my regular monthly payment on the website this XX/XX/2024 and i noticed the balance almost doubled from {$900.00} to {$1700.00}, i thought someone had stolen my identity or my account information but the rep told me that the promotion they had on the item i purchased from them ( tablet ) ( XXXX  months XXXX XXXX had expired. and when i asked how much interest they were charging, they did not say and from {$900.00} balance now it is {$1700.00}. and from a {$29.00} minimum payment, now i had to pay {$160.00}, which i can't afford. I told them please i was not aware of all that increase, i could expect a XXXX XXXX interest on the remaining balance but never the balance will doubled up. Covid came, a lot of financial adjustment. i told them i was willing to pay the balance off as soon as possible. they told me i have been reported to the credit bureau which is true, i need your help. 
i never received any statement, on their portal, they never had an alert about the ending promotion or payment change and even though i am saying i will pay the balance off as soon as possible they refused to assist. 
I am a XXXX mother, a lot of uncertainty after covid, i dont understand what kind of promotion they said they had that now is making me pay the double. unfortunately i can't afford these payments or higher balance. no one notified me and XXXX  months is a long time. i have other cards and i have never experienced this situation or this treatment. Please help,.
Product: Credit card or prepaid card

I have been a Bank of America Visa card holder for 16 years. I always pay on time and have excellent credit. I also have a large credit limit with them. I have put trips and weddings on this card. I paid this card off in XXXX but kept a small ongoing monthly charge to make sure I kept it open. In XXXX of XXXX, I uncovered a {$32.00} charge I did not make. I called the credit card company to tell them about this erroneous charge from XX/XX/XXXX. They closed my account, never sent me a new card, and will not reopen my card. I have spent 2 hours on the phone and then spent 2 hours at a financial center for B of A in XXXX trying to resolve this issue to no avail. My interest rate is low and I wonder if they deem me as an unattractive customer now that the card has been paid in full. I am also concerned about my XXXX  mileage reward point which appear to have been cancelled along with the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Checking or savings account

Bank of America froze my acccount. Deducted all cash available. When attempting to call customer support ( 4 hours of my time ), either was hung up on, referred to the XXXX XXXX, or told they didnt know what was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and TransUnion are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to XXXX, XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

End of lease with America Honda Finance in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to American Honda Finance instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with AHFC, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid American Honda Finance on  XX/XX/XXXX, they still hit me with a two month charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my previous name. I am recently married and was denied a loan application because Equifax had not updated my name properly. I have tried to access a new report but the error message says my name does not match what is on there system.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. 

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

Ive been trying to pay off my student loans and can not due so due to Aidvantage reversing my payments I ve tried calling their help center but no one is useful. Ive called my bank and it wouldnt be on their end. All the information is correct and Im not the only one having this problem. You can see the dates Ive been trying to pay on their website and they keep accepting and reversing it and interest just keeps building. Please get them to reverse the interest because at this point Im convinced its on purpose
Product: Debt collection

I am receiving an excessive harassing number of calls and threatening messages from Midland Credit Management. Also, they have trespassed on my property and called 3rd party elderly family members disturbing them and distressing me as well when I am ill which is frequently since I am XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, Discover closed my account without informing me of the reason or the fact that it was closed at all. Over a week later, the auto-generated email said they could not verify my identity. When I finally reached someone on the phone on XX/XX/2023, they informed me that I had done everything right in terms of verification, and had accidentally closed my account due to the fact that I ( an XXXX XXXX XXXX with very limited employment history ) had not filed taxes, even though I was not required to. They said they would reopen my account in a few days, but two weeks and several phone calls on my part later, all I know is that they said corporate is handling it with no end date in time. I have not received any communication from them via email since XXXX 2023. They have not called me. They refuse to update me on the status of my secured deposit refund or my account reopening. My credit score dropped XXXX points from their mistake and rendered me unable to do anything that requires decent credit history. I am missing {$300.00} that they told me would be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX XXXX - XXXX EXPERIAN - XXXX
Product: Money transfer, virtual currency, or money service

I want to express my thoughts regarding Zelles handling of disputes, in light of recent CFPB lawsuit. I use Zelle frequently and have reported discrepancies and have failed to get it taken care of. I was informed that it was impossible for it to get refunded. CFPB states that Zelle has not protected customers and has also allowed scammers to exploit this system and allowed people to be taken advantage of. This raises concerns to daily customers safety and is unacceptable.
Product: Money transfer, virtual currency, or money service

An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. 

OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. 

The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. 
PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. 

In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case!
Product: Credit reporting or other personal consumer reports

In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the hospital and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.
Product: Debt collection

I have two accounts with Penn credit XXXX, XXXX. 
That does not belong to me.
Product: Credit card

My card was stolen and I reported it and a atm withdrawal was made and the company refused to refund my money when they were aware of the stolen card and the fraudulent transactions that were made on the card. The company closed my account and made it way more difficult to get my money back
Product: Mortgage

To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. 

On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 
1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. 

On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. 

In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. 

Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. 

Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. 

Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX  Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to thedebt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, adebt collector shall assume that the convenient time for communicating with a consumeris after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumeris made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

My identify was stolen and also my information by the company listed below was use inappropriately. Based off my identify thief I had to change my address on my id.
Product: Checking or savings account

I have received a check last Friday from XXXXne of my clients and deposited it in my bank account on Friday and it left the clients account on Friday. I went to the bank o XXXX XXXX closer to my business, I talked to the branch manager inquiring about the check and she told me it has been held for 10 days .When I asked for the reason, she said that she did not know. I asked for a district manager number, she gave me a number that did not work. I asked her to call the district manager to answer my question, she turned around and ignored me and went to other customers .I raised my voice to get her back, all of a sudden she called the police and she claimed that I was aggressive, just because I was inquiring about my money in my account XXXX XXXX XXXX XXXX  XXXX pushed me towards the outside the bank, he searched me for weapons then he cuffed me and put me in the back of his police car for close to an hour where I had a XXXX XXXX, my XXXX kids were watching the whole drama and were videotaping all the incident, adding insult to injury, the bank asked for a criminal trespass against me. I am a business man running four big  companies, I owned my own business for 15 years and never been in trouble with the law. I have been humiliated and been detained in the back of a police car, my civil rights have been violated, I need your help, I can not look in my kids face anymore, I am a single dad, full time custodian .My kids and myself are XXXX, we could not believe what just happened The bank had put my check on hold for no reason, and humiliated me when I asked for the reason for the hold.
Product: Credit card or prepaid card

I called to capital one on XX/XX/2020 to settlement for deletion of the account.I send them the payment via money order and it was 2 checks for {$600.00} a pay check of a total of {$1200.00} for the deletion of the account and they failed to delete the account Im going to attach pictures from what I did. I want this account deleted from my three credit bureaus ( XXXX, XXXX, XXXX ) immediately