23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, I received my annual escrow account disclosure statement. On the statement I was notified of a XXXX increase in my monthly mortgage payment. The statement references a current negative balance and 12 month payment plan to bring my escrow into a positive balance. 
When analyzing the reason behind the increase in monthly due, I discovered that payments made in XX/XX/XXXX were higher than what they should have been. The account history indicated that no payment was made in XX/XX/XXXX when my county taxes are typically due. However they list two ( 02 ) payments made in XX/XX/XXXX for the normal amount ( {$2300.00} ), and a third payment to county taxes in XX/XX/XXXX for the amount of {$2500.00} ( a {$230.00} increase over normal taxes ). According the country website that tracks taxes on every property, a late fee was charged to my account for XXXX for an unexplained reason. 
I wrote a Error Resolution Notice on XX/XX/XXXX and received a response letter dated XX/XX/XXXX. In their response they admitted to inadvertently paying an extra XXXX from my escrow account. However, they also indicated that this affair is my responsibility as the escrow disbursement form I signed indicated no payment due till XX/XX/XXXX. While this is technically correct, what is missing from their thorough Investigation is that their company financed the XX/XX/XXXX taxes into my home loan. The money was financed with the explicit purpose of property Taxes Parcel # xxxxxxx EST to XXXX County Recorder. Further, {$1200.00} was financed with the purposes of frontloading the escrow account for the XX/XX/XXXX tax and Hazard insurance payments which was to be paid in XX/XX/XXXX as agreed per the afore mentioned disclosure statement. 
A phone conversation was conducted with an Official at the XXXX County Treasurer Office on XX/XX/XXXX.  During this conversation he confirmed all taxes paid on my property. He also confirmed that all tax payments in XX/XX/XXXX,  prior to my refinancing with loan care, were made on time for that year ( XX/XX/XXXX and XX/XX/XXXX in the amount of {$2300.00} ). He then confirmed that no tax payments were received after XX/XX/XXXX until the 3 payments were made in XX/XX/XXXX/XX/XX/XXXX. This means that the {$2400.00} that was financed for the purposes of paying my taxes was never sent to them as intended. Since there is no record of it being placed into escrow or back into my account. I must assume that Loancare has misplaced these funds. 
The XXXX County official also stated that the refund was noted in his records as sent to Loancare on XX/XX/XXXX.  As of the date of this writing ( XX/XX/XXXX ), no funds have been shown to have been reimbursed to my account. So they have either misplaced the refund, or have taken an abnormal amount of time to credit and fix my account. 
It should also be noted that this refinance was done through Loancare to refinance a loan held by Loancare. No other companies were involved.
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 Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX 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 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

I have a Bloomingdale 's credit card and been a loyal customer for a little over a year now. My bill is paid on-time everymonth. Today XX/XX/2015 I received a letter in the mail from them date XXXX XXXX, 2015 that they were decreasing my credit limit from {$600.00}, to {$500.00}, because they ran my credit and seen that my credit score had dropped, I never authroized them to check my credit and before assuming my credit score dropped because of myself they should have verfiied with me to see if I had some ID theft resulting in fraudulent accounts being open in my name. What crazy about the letter is that although I 'm just receieving it, it says that they ran my credit in XX/XX/2015 and seen this drop and now two months later are decreasing my limit, after I just paid the bill. So now I feel like they are profiling me and assuming I 'm not going to pay my bills. As of today XXXX 2015 my credit score has return back to normal and is fair, my credit score has increased again because I had those fraudulent accounts removed.
Product: Credit reporting or other personal consumer reports

Reporting agencies improperly used my personal business without my consent. Transunion, XXXX and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.
Product: Credit reporting or other personal consumer reports

Upon number of occasion, Equifax never finish doing an investigation correctly. There was already sued by CFPB for not doing investigation properly I have documents showing my name how I use my name correctly and how they are trying to stick me with a different name on the credit bureau report I will be showing the evidence and I think they need to be fine for keep sending me through these issues. my name is XXXX XXXX XXXX thats the only name I use on my credit bureau report. Equifax is trying to say I use another name also which is incorrect and in the data breach. as you can see my name is XXXX XXXX  XXXX thats being used in the data breach settlement that Equifax use now they stating they cant identify who I am, but they identified me in the data breach.
Product: Credit card or prepaid card

This was a settlement offer with Citibank the home Depot I paid the {$340.00} it was XXXX my social security number is XXXX their phone number is XXXX i paid this in full I have contacted them because it's still showing on my credit report is due this needs to be removed and showed that the credit card from home Depot with Citibank was completely paid off and it's not showing that on my credit report this was paid a month ago I have talked to them and they said that it takes time to take it off but this is getting ridiculous they're saying they're saying that they sent me a letter proven that I paid it off and I'm not received any letter and this letter was supposed to have been sent XX/XX/2021 I hope you guys can help me my phone number is my phone number is XXXX I can't find their account number but you can call them up and give him my social security number and they will find it okay I have a partial last for the account number is XXXX with Citibank the home Depot this was paid off to {$340.00} the settlement amount was paid off on XXXX the XXXX of 2021 can you please help me to get this off of my credit or show is completely paid because it's ruining my credit history thank you very much if any problems please give me a call XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tired of wasting my time and spinning my wheels to get this fixed! My issues with all credit agencies have fallen on deaf ears. 

Two Auto loans were PIF and I refinanced with another Loan company. TransUnion has continued for two months to report this information incorrectly. The have NOT corrected the errors on my credit report at all. See photos attached. 


The have increased my debt load by 33 % on my account page as well giving a false and damning picture of my credit. My credit is stellar!!!! Not what TransUnion and its false information is portraying. XXXX XXXX and XXXX XXXX have both already reported the Pay Offs on these accounts, however, TransUnion continues to increase my debt load on my report and post false information ... ..for TWO months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with Three Sticks Lending. I was in a desperate situation when I took out this loan. My credit score was not bad at the time of the loanit was in the high XXXX. I asked about the interest rate and they never gave me an answer, and still asking about the interest rate. They only give the APR rate of 597.01 %. 
Once, I realized the mistake I made with this loan so I am asking questions. 
I asked whether this loan exceeds usury laws for the State of Florida. 
This was not a payday loan instead an installment loan. Amount loan was {$500.00}. Interest monthly is {$240.00}. 
No part of the payment goes to the principal. Their Rep told me it is both a payday loan and an installment loan. While paperwork shows installments.
Product: Money transfer, virtual currency, or money service

I am filling 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I've found that payment history is being reported on this account. XXXX  history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 
According to 15 USC 1681 2al ), under the exclusions section, the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( XXXX ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX soc security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I think Im being declined for multiple inquiries. I have no clue what they are. So my inquiry Adds to it and isnt mine I never had a XXXX  checking account, we dont even have a bank around my area
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised to please update my credit report. I have unauthorized and fraudulent addresses and names that are not associated with me. I have unauthorized inquiries on my credit report that I want deleted ASAP. I have unauthorized CHARGE OFF ACCOUT ON MY CREDIT REPORT AND I NEVER DONE BUSINESS WITH THAT COMPANY. I FILED A IDENTITY THEFT REPORT XXXX advised to please remove all inaccurate info from my credit file per 15 U.S.C 1681b exclusion sec accuracy and fairness of credit reporting. Please delete all unauthorized info in regards to my address. 15 U.S.C 1681n civil liability for willful non compliance any actual damages sustained by consumer as result of failure or damages {$1000.00} please remove and provide me with the exact source where you received the information so I can take legal action. Please remove collection account per 15 USC 1681s -2 a reporting info with actual knowledge of errors please send updated credit reports to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this company about debt that they saying I alleged owe. They are reporting false information to the credit bureaus. This account is reporting duplicate on my credit report and that's illegal by law and caused severe XXXX upon me and my health. They saying it was sold or transferred but it still show up along with the company they sold this debt to which is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX.
Product: Mortgage

On Saturday, XX/XX/2021, my XXXX account was overdrawn nearly {$5500.00} due to my mortgage company Mr. Cooper pulling multiple unauthorized payments from my accounts. I attempted to contact them all morning Saturday and then they closed their call center at noon which left me with no alternatives until Monday. I had no cash for food or gas and at least 1 credit card payment was returned by XXXX XXXX as a result of this error.
Product: Money transfer, virtual currency, or money service

Contacted my arvest bank XX/XX/XXXX and XXXX in northwest Arkansas to submit a fraudulent claim of theft XXXX transfer XXXX $ not authorized by me. phone was stolen with account info on phone. Bank denied claim stating it wasnt banks error so money would not be returned.
Product: Vehicle loan or lease

XX/XX/year>. I asked to speak with a Supervisor and a representative by the name of XXXX came on I asked her how do I go about getting a monthly statement she told me I couldn't she could give me my transaction I told her I have my transactions. I wanted a billing statement thats when she told me the company was paperless. I responded by saying how is a company paperless without informing the customer she stated I signed the contract online, and I said it was nothing in that contract saying that this company was paperless, so therefore I want a monthly billing statement and that's my right as a customer. I told her if I did not sign anything acknowledging that you all were paperless or/y'all did not mentioned it in the contract then I have a right to a monthly billing statement. She still refused me
Product: Debt collection

In XXXX of XXXX, I closed my account with XXXX, returned equipment ( streaming media device only ) and paid my balance in full. XXXX sent me a final bill with an amount of {$210.00} as balance owed. I contacted XXXX and disputed the balance as they could not provide proof of actual charges. A few months passed and I began to get harassing phone calls and letters from Eastern Account System of XXXX, CT. I once again disputed the debt with them and requested proof of charges and an itemized statement. As of this date, they have refused to do so. In the meantime I also disputed the debt with XXXX. XXXX has continued to report this and it has negatively impacted my credit score ; in some cases dropping it as much as XXXX points. My credit score was in the excellent range until this happened. I have no other negative reports and pay all of my bills on time .It 's ludicrous to think I would let something as minor as a {$210.00} bill drag my credit score down when I pay my other bills on time. XXXX continues to be uncooperative and uses extortion means to punish people who do not comply with their attempts to collect a debt that they can not prove to be legitimate. Any reputable business will provide an itemized statement of services provided or product sold.
Product: Checking or savings account

Charged fees from navy federal credit union because I thought money was in my account that they put my account in the negative for overdraft fees.
Product: Debt collection

This debt is from XXXXXXXX XXXX XXXX, the original collection company was XXXX XXXX XXXX, I fought and dispute that debt a d it was cleared because it was time barred debt, and the debt was awarded to my ex spouse legally I am not responsible for that debt,. Now that XXXX XXXX  had to remove it from my credit they sold the account to awa collections, I do not know this company and they are in violation of the fcra,. They automatically out the account on my credit without sending me any form of notice that they were doing it so tht I can dispute it,. I do not owe this company money, I have no clue who they are, they just attached it to my credit with no form of communication, I have no legal binding contract with them, I have no account with this collection agency by law they are to remove the items from my credit and cease all collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the collection agency I.C. System Inc. add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( I.C. System Inc ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately
Product: Debt collection

I filed a complaint against this debt collector for attempting to collect a debt that is not mine. The debt collector requested that I fill out an FTC identity theft affidavit. Attached is the affidavit.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous 100 complaints those are alleged debts and even those billing statements are false and misleading .I am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reinserted addresses on my credit that I disputed and the took off but reinserted the addresses. I do not live at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX nor did I ever live at XXXX XXXX XXXX, XXXX ohio XXXX. Both these addresses was removed but equifax keeps reinserting them. I have sent in several forms of documentation supporting my dispute and they seem to keep doing what they like. There is also a few more accounts that was reinserted without notification nor validation nor verification. XXXX XXXX, XXXX, and XXXX XXXX. I have had it up to no witts end with this agency. CFPB obviously does not do there job this should not keep happening! Remove these address and the accounts that XXXX is showing in there computer system.
Product: Money transfer, virtual currency, or money service

Zelle money was never transfer and it was deducted from the bank {$800.00}