23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the Chase Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX  AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK CHASE ADDED TO MY ACCOUNT. 
Chase needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN CHASE ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
CHASE NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
Chase may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE CHASE CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST CHASE.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I called XXXXXXXX XXXX  to find out why I was being reported late during the months of XXXX XXXX to XXXX when I was on a payment plan and all of my payments were being made on time. I have documentation from them showing I was not charged a late fee from XX/XX/XXXX forward. According to my credit report I have been reported late by XXXX from XXXX of XXXX to XXXX of XXXX. I called again in the middle of XXXX of XXXX to have this corrected and dispute this information. On XX/XX/XXXX I contacted someone at XXXX and they told me all the late fees have been corrected I have not been reported late at all and I will have a letter from XXXX stating the status of my credit reporting. On on XX/XX/XXXX I received the letter, according to the letter their reporting was accurate and no changes were going to be made. I called back on XX/XX/XXXX and was told there was nobody available to handle this situation and that somebody would call me back by end of day. 

This reporting has prevented multiple loans being approved including a vehicle loan and mortgage refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX 2. Validate Account XXXX XXXX Account XXXX : XXXX 3. I was never late. Send proof that you did a proper independent investigation XXXX XXXXXXXX Account Number : XXXX 4. I was never late. Send proof that you did a proper independent investigation XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX
Product: Mortgage

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I applied for a mortgage to refinance my existing mortgage with Strong Home Mortgage in early XXXX of 2021. That mortgage closed on XX/XX/XXXX with final documents delivered on XX/XX/XXXX and other previous dates. The clear understanding was there would be no escrow payments for taxes or insurance and I would paly those costs directly, as I have done for the past 10-2o years. Strong then sold that mortgage in XXXX to XXXX XXXX  XXXX. That reselling came as no surprise as Strong made it clear they would resell the mortgage. However, XXXX advises that I owe escrow payments and I have made it clear to XXXX that was not the " deal '' with Strong. I notified XXXX and Strong if the issue and the problem has not been resolved. In fact, XXXX just advised me today that I must make escrow payments including an immediate payment for taxes. I clearly feel this is an illegal modification of the agreement with Strong. I have attached various documents including : emails from Strong verifying that no escrow payments were to be collected ; recent emails with Strong and XXXX ; Closing Documents clearly showing that I am responsible for making all tax and insurance payments and that no escrow is owed to or to be collected by XXXX. I have told XXXX I will continue to make principal and interest payments as I did on the first mortgage payment on XX/XX/XXXX and will rely on cfpb to resolve the issue. Thank you Please see related complaint XXXX-XXXX
Product: Prepaid card

Money frozen says acct on hold since their site crashed XX/XX/XXXX. talked to dozen of customer reps promise to fix it refund it or send a check. NOTHING ever happens they intend to keep the money of XX/XX/XXXX people
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, An electronic item was sold in person. XXXX XXXX was the community where the exchange was arranged. The transaction was made between the buyer and seller in person. The buyer received the item, while the seller ( me ) received the payment on PayPal. A month later, the same person who sent the payment decided to dispute the payment. They claimed that they did not authorize the payment. Afterward, PayPal automatically took back the payment that the buyer originally sent. I reached out to paypal and they said that they could not do anything since the buyer had " rights ''. I ended up losing the Item that was sold and the payment that was originally sent. The original amount sent was {$700.00}. In the following attachment, the note that was left on the payment was " XXXX for XXXX  thanks ''. This transaction was made on XXXX XXXX XXXX In the other attachment, there is a review left by " XXXX '' on the same day it was made. This shows that we did indeed meet as he is able to leave a review AFTER the transaction.
Product: Debt collection

This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Mortgage

I closed on my house XX/XX/XXXX and I was told since I didn't have 20 % down payment I would have to pay mpi on my loan until i paid off 20 %. I have recently reached that mark and they are telling me my loan is not eligible. I called XX/XX/XXXX and Sat on hold forever just to get a no. They told me I would have to keep paying mpi for the life of my loan or until I refinanced.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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: Vehicle loan or lease

We had a car loan with Bank of America, the final payoff amount on XX/XX/XXXX was approximately {$64.00}, the bank continued the automatic withdraw we had been paying for the life of the loan at {$740.00}, about {$670.00} dollars more then we owed them. We called the Bank and were told they would process the credit and give us a refund, in the next two weeks or more. They are not compensating us for interest and banking fees and we are just supposed to accept as standard operating procedure. If we were late on a payment, I would receive a whole list of fees and interest. They basically stole money from our account that we did not owe and we are being told to be grateful they will give it back to us sometime in the future. On top of this they closed our account since no balance due and removed our access to the account. However we are owed money from a closed account.
Product: Credit reporting or other personal consumer reports

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Mortgage

On XX/XX/2020 My credit was accessed by a Credit Plus on behalf of an unknown mortgage company, I was trying to obtained a mortgage pre qualification, i have provided to them all the required documents and sensitive information, the mortgage broker responded via text message stating that i would be needing a co-signer in order to be qualified, no other information was given, i have made several request for them to provide me with written denial and reasons and none of those request have been met, i have reached out to them multiple times without success. They also informed that they did not pulled my credit report yet it remains as an inquiry on my report, please advised me in how to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX  has an account on my credit report thats not mine. 
XXXX- account not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior XXXX certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1100.00}
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I joined XXXX  XXXX XXXX on XXXX/XXXX/2020 because they had a deal, but my credit card was locked during their billing and I decided that this gym wasn't for me. I sent my request to cancel my gym membership and it was canceled on XX/XX/XXXX, however I started getting charges that did not match the agreement I signed. I reached out to the manager of the gym on XXXX/XXXX/2020 and was completely ignored and disregarded. On XXXX/XXXX/2020, I requested an itemized bill by going to the website that does the billing for XXXX  XXXX XXXX. I still continued to be billed even after I asked them not to by revoking authorization to my credit card. On XXXX/XXXX/2020 I received an email marked " Final Attempt '' to make a payment but still no itemization nor an explanation of bogus charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}
Product: Bank account or service

Chase charged {$5000.00} in unneeded overdrafts things like charges going through twice can you demand that Chase open a new account with the XXXX in the account?
Product: Mortgage

I refinanced my mortgage in XX/XX/2019 with XXXX XXXX. When I received my first statement from the company, I noticed that my escrow balance was shown incorrectly as {$0.00}. My escrow balance should have been {$4100.00} as per the closing disclosure during the refinance. 

Since then, I have already made two payments and contacted the company several times through email and phone to report the escrow balance error, but each time I get a response saying that this is being investigated and that someone from their team will contact me back. So far, I have not received any response from the company and it has been over a 45 days since I first reported this issue. It is surprising to me that this has taken so long to resolve when the agents over the phone can clearly see the Final closing disclosure statement with the correct escrow balances.
Product: Consumer Loan

payment are not bein applied as should. Threaten phone calls.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. 
We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. 
If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Product: Debt collection

On XXXX XXXX, 2018, I contacted the company in an attempt to resolve a debt. I was told that I would be emailed a offer letter the day before. The one that I received did not match the settlement we discussed. I asked to speak with the manager sending it, whose name was XXXX. He informed me that the amount owed could not be fixed because it was generated by their computer. I informed them that if they could not send me an offer letter with the discussed amount on it then I will opt out of it. I ended up speaking with another XXXX who was the Director, he stated, and he was very disrespectful, condescending, and unprofessional after I informed him that I 'm not sure if someone was lying to me about what was discussed over the phone the day prior to our discussion. He went into a tyrant and started to tell me to be quiet so that he could give me what I wanted and proceeded to engage in combative behavior with me, telling me he will not provide me a receipt for what I paid to them already and to contact my bank. He told me that this was not a Customer Service job. ( I 'm assuming for him to treat me like a human ) I do not believe that this is the job for him and he should be removed from it. After going through speaking with him, I felt disrespected, ashamed that he had me yelling and cursing, robbed out of my money, and disregarded as a human being. I was already angry and I informed him that I was recording the call to maintain for my records and I will sue them if I needed to. I was transferred back to him after attempting to contact their headquarters office to report his abusive behavior, in which he was then more calm. I informed him that I do not trust them with my information after the heated conversation that we had earlier.