23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We bought our home and it closed escrow on XX/XX/XXXX. The home belong to XXXX it was a bank own property. We got a home loan with XXXX the loan was set with out impounds just paying principal and interest. On XX/XX/XXXX, I received a letter stating that an escrow account had been set up for a loan because some taxes were owed. I called the mortgage company and sent them proof that i am up to date with the taxes and insurance. I found out the taxes were owed by XXXX please see attached tax statement. On XX/XX/XXXX XXXX sold my loan to Loancare who raised my monthly payment from {$1200.00} to almost {$1900.00} raising my payment by {$500.00} a month for taxes and insurance that are up to date. I had XXXX negociate with Loancare, Please see attached documentation all taxes and insurance are up to date and Loancare refuses to remove the unessesary impounds. Loancare has ruin my credit and sent me a letter that my home is in defult. I continue to sent my agreed monthly payment but Loancare delays the payments and make one payment out of two. Please help me I have been diagnosed with XXXX and it is very difficult to continue to fight with the bank. They have acted without any regard for the proof and I keep getting herrasing phone calls and letters. I have not done anything wrong, the back taxes should have been paid at the time we closed escrow. I have kept all the mandated agreement and my account and payments are up to date. Loancare refuses to accept any proof and continues to damage my credit and are treatenning to forclose my home.
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. 

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

I am a victim of identity theft and it is on my credit report i went to look at my report and i have this inquiry on my report that i have no knowledge of at all that i did not do. 
XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit card

I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.
Product: Credit card or prepaid card

I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for reporting a fraudulent account on my credit report. The account in question is from Fair Credit and an outsourcing collection agency. I have never conducted any business with Fair Credit or the mentioned collection agency, and I have not received any documentation or prior communication from them regarding this account.

This fraudulent account has adversely affected my credit score and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I believe Equifax has not adhered to the necessary procedures to ensure the accuracy and validity of the information they have reported. 

To address this issue, I have taken the following steps : Contacted Equifax directly to dispute the fraudulent account. 
Submitted a request for investigation and removal of the incorrect information from my credit report. 
Despite these efforts, the fraudulent account remains on my credit report, and Equifax has not provided adequate resolution or explanation. 

I am requesting the Consumer Financial Protection Bureau 's intervention to : Investigate Equifax 's failure to verify the accuracy of the information reported. 
Ensure the immediate removal of the fraudulent account from my credit report. 
Take appropriate actions against Equifax for their non-compliance with the FCRA. 
Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses. I have also included a copy of my credit report highlighting the fraudulent account. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and protect my consumer rights.
Product: Debt collection

On XX/XX/2019 I settled a XXXX XXXX debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have XXXX XXXX update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and XXXX XXXX is listing me as delinquent on my account. This has made my credit score go down. 

Client Services Inc. did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX officially took over the loan XX/XX/year>. During the transfer period, XXXX XXXX declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay XXXX XXXX the amount owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at XXXX XXXX as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for XXXX XXXX customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT.THE LIST OF ACCOUNT BELOW HAS VIOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER 15 USC 1681 ACCOUNT NAME XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CB Indigo/GF is reporting incorrect information on my credit repot. 
-Last reported date different with all 3 credit bureaus -Date last Active different with all 3 credit bureaus -Two year payment history information is different in all 3 credit bureau
Product: Credit card

We are in good standing with other credit card companies for 30 years, and never late. We have another Capital one, XXXX and XXXX all related to Cap1 for over 20 years and no issues. But only 1 year with Walmart Capital One and they state we already have a history of late payments and now want to charge us interest every month for 6 months until we are in good standing again with Capital One. I have called 2x with no resolution, Supposing " MY ACCOUNT SUPERVISOR '' filed an internal complaint, but will not give me a copy, nor access to any answers, and says i will not hear from Capital One unless they need something. I believe this company needs to be invested internal, due to i believe they purposely do not post payment until late so they can now rack up an interest payments over the next 6 months. If they do this to just a 100 people a month .... do the math... Then he tries to get me to cancel the card, which he knows will hurt my credit. This is wrong and again i believe Capital one believes it is hard to prove, but i state again, they are posting payment purposely 1 day late.
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/2022 I discover that I could not access funds in my CASHAPP in them amount of {$2100.00}. I initially reached out to CASHAPP vis the app and it stated someone would contact me. After no one contaced me within XXXX hours I called customer service. I was informed that a XXXX was placed on either me XXXX XXXX or my company Beginning Futures. The XXXX could not give me any other information, he stated a the CIVIL RESPONSE department had sent me an email in reference to the matter. I informed him that I had not received the email, he stated he would contact the CIVIL RESPONSE team to resend the email. Once I received the email on Fri, XX/XX/XXXXXXXX XXXX XXXX I attemped to contact the complany isted on the email. none of the identifing information was correct for the company both the office and cell provided an error message when calling. I responded immediately back to CASHAPP, receiving another message at XXXXXXXX XXXX saying that the case had been closed due to no response from me. This communication is an error, I did respond as soon as I was made aware of the issues with CASHAPP. CASHAPP has failed to provide a copy of a lien as well as any identifing informaion related to a lien. I would like my funds to be released back to me from CASHAPP, in addition CASHAPP should consider using the APP as a source of communication vs emails, this process was not reliable.
Product: Mortgage

This is a complaint against Mr. Cooper, a mortgage servicing company. 

This company took over servicing my loan in XXXX, XXXX. My homeowners annual premium was due on XX/XX/XXXX. I received a letter from my insurance company on XX/XX/XXXX advising me that my homeowner 's premium had not been paid, and that my policy was in danger of being cancelled for non-payment. I sent an email to Mr. Cooper thru their website on XX/XX/XXXX, asking why that had not been paid when it was due. I received a " form '' email in response several days later, advising me that it would take them 7-10 days to research this. That was interesting, because I could check on their website and find out in less than a minute if it had been paid. Several days after this response (? ), I received ANOTHER " form '' email, telling me that my issue was bring forwarded to the insurance department for review, and that they would be in touch following their " investigation '' into this not being paid. In the meantime, I am receiving calls and letters from my insurance company AND my insurance agent wanting to know if I was going to pay the premium. I have not heard anything from Mr. Cooper since I was told that it had been forwarded to the insurance department. I have ZERO faith in this company to service my mortgage properly. Now I am going to have to double check to see if my property taxes are being paid on time, as well as my homeowner 's insurance. I have not had ANYONE from Mr. Cooper reach out to me by email or phone to tell me what is going on.
Product: Credit reporting or other personal consumer reports

These inquiries were done without my permission and knowledge and I would like them removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted Mosaic to cancel out the loan for the solar project that was cancelled by XXXX XXXX engineers due to their hesitancy to install solar panels on an older roof. Mosaic told me to contact XXXX XXXX to inform Mosaic of cancelled project. Over 3 months later, the loan is still on my credit report. I was informed by Mosaic they would remove the loan within 30 days. Nothing has been done so far and no resolution from the credit bureaus.
Product: Debt collection

XX/XX/year> Called my Wife, XXXX, Myself looking for me to show proof of payment to this XXXX XXXX XXXX pay day loan i got from XXXX XXXX XXXX. 

Once i called they threatened me they are suing me for fraud and check fraud etc they were threating and scary to say the least. I told them i payed the debt to the collection agency last year they insisted i need to have a letter stating XXXX XXXX XXXX debt was exonerated. They told me my last XXXX digits of my socal secrity number made it real to me. 

I called the XXXX XXXX XXXX and they provided collections number i called them they were closed. 

This morning i called JTM Capitol Management they were busy so i left a message and the called me back and they confirmed i was XXXX scammed and XXXX XXXX XXXX XXXX were dropped 5 years ago i had noting to worry about.
Product: Checking or savings account

I am currently in XXXX and applied for a TD Bank savings account during XXXX XXXX. My family moved from XXXX to XXXX in XXXX  and there are no TD Banks here. I visited XXXX and attempted to go to TD Bank to withdraw my savings. Contacting their agent, they said the account did not exist when we had the actual card. We provided our SSN, but they said there were no records. Now they are saying there's nothing they can do and the card was the old version so there is no record.
Product: Credit reporting or other personal consumer reports

The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX by ( XXXX ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Consumer seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. 

Pertaining to the INACCURATE furnished Information by XXXX, XXXX and XXXX XXXX RADIUS GLOBAL SOLUTIONS LLC in the amount of {$13000.00} in Cahoots with XXXX XXXX  which is false representation of inaccurate credit reporting.
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AN REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO THESE ERRORS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT THE CASE. PLEASE REVIEW THE DETAILS IN THE FILES.
Product: Mortgage

I gave the company {$10000.00} in XXXX. They didn't put the money to apply to what is owed of my mortgage, and threatening to foreclose, unless they get more then what is owed. They will not answer my phone calls, at all
Product: Checking or savings account

On XX/XX/2023 square payroll debited my account {$220.00} for a service they did not provide. Two days later they debited my account for {$5.00} for a product that I did not receive. The service I agreed to was for payroll services. Instead of performing there duties they instead simply kept my money and have even denied taking anything out of my account. The other charge is for a subscription for payroll services. My account was immediately closed therefore I never received this service. They refuse to take my calls and have stopped responding to my emails. They will not admit to having my money let alone a refund. These people have done this Same thing to many other businesses. One only has to do a XXXX search to find the horror stories from people like me who has been unjustly robbed and account closed without any due process or explanation.
Product: Checking or savings account

I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???
Product: Debt collection

I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit  collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. 

Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.
Product: Payday loan, title loan, or personal loan

In XXXX of 2020 I spoke with a representative at Lending Club. I requested to have my autopay stopped. I was assured that the autopay was canceled and I can make one-time payments going forward. Lending Club did not cancel the autopay and withdrew money from my bank account resulting in overdraft fees and causing me to not have the ability to pay other bills. When I called to have the money returned the representative stated that it would take 7-10 days to return the funds. I waited the 7-10 days, but they did not refund it. During that time another loan that I have with them came due, loan XXXX. I explained to them that I could not make the payment on that loan because they still had not returned my money and I was trying to straighten out my bank account due to the damage that was caused by their company. I made several calls to them trying to explain what was going on, but no one there could seem to understand that the only reason my account, XXXX was late, was due to them taking an unauthorized payment for the other account that I have with them. Needless to say, the account was reported 30 days delinquent in XXXX because I was not refunded my money so I could pay my bills. I was shuffled around to different representatives and given misinformation multiple times. I was furloughed from my job during this time and made sure to pay my bills on-time even with my situation being difficult. The only reason the account became delinquent was due to Lending Club taking unauthorized money from my bank account. I want them to remove the 30 delinquency from my credit report. Thank you