23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Timeline:XXXXXXXX  We receive a statement from Specialized Loan Serving requesting an additional {$630.00} for our escrow account. Investigating why this amount is so much we looked at our insurance and taxes which both went up.Increase in insurance = {$270.00} Increase in taxes = {$170.00} {$270.00} + {$170.00} = {$440.00} We agree with the loan serving company that these amounts have increased.However, {$630.00} - {$440.00} = {$180.00}. 
When we asked why and where the additional {$180.00} is coming from, we get no answers, other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Currently our escrow account on our XX/XX/XXXX statement posts that our escrow balance is {$1100.00}. When we ask why do you need more of our money in our escrow account when the current balance is {$1100.00}, allow get is : that is what our records show and our escrow account needs {$870.00} at all times. 
In addition, our statement from XX/XX/XXXX states that the loan service did not make any payments to our escrow account for the months of XXXX - XXXX, XXXX, XXXX, XXXX or XXXX. When we ask why they were negligent in placing money into escrow for those months, we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Specialized Loan Serving contacts from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX for new documentation, got an email, same information with no changes XX/XX/XXXX XXXX XX/XX/XXXX XXXX The response from all these contacts is the same : we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Note on XX/XX/XXXX when we asked to talk to the next supervisor, XXXX refused to transfer us to any other supervisors or representatives. 
We would like to know why the Loan serving company wants more escrow money? 
We would like to know where the additional {$180.00} is coming from on their end?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , XXXX , and Experian. asking to reinvestigate information. Experian sent me a letter saying it will no longer investigate this account. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XX/XX/XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX. the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.
Product: Debt collection

Central Portfolio sent a text message to my fathers number regarding my debt. Although the amount of debt and to whom I owe this debt to was not identified, my reference number was. Therefore, I feel that in this circumstance this third party can contact central portfolio with my information and find out that I owe this medical debt to a specific MD and when I had this visit. I do not want anyone knowing my medical information, even where I get my medical care from. This is not only unprofessional but I believe it violates my privacy. 


Another issue I had with Central Portfolio ; they contacted me via text of my boyfriends debt. We do not share the same last name. We do not live together. What made them feel so comfortable in taking action like this? Its very unsettling. I was not aware he was in debt, this is a deceitful act. Their agenda is to tarnish our reputation, as if they are threaten us to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Abra has blocked my ability to login to my account/wallet, thereby restricting access to my assets. They are citing a compliance issue- which seems to impact all US clients. I would like to gain access to my wallet so I can retrieve my assets. 

I reached out to Abra 's support team on XX/XX/2024, notifying them I was locked out of my account. They responded stating they will no longer offer services to U.S. customers and that my funds are now considered 'lost '. I asked for more information and never received a response. 

I submitted another support ticket on XX/XX/2024. I was again notified that my funds are now considered 'lost ', because I didn't move them out in time. I did not see the email notifications warning of any lockout. 

It feels like my assets have been stolen, not 'lost '.
Product: Credit reporting or other personal consumer reports

I tried to resolve the wrong and incorrect information on my credit report ; I call the company and credit agency fraud identity theft departments for Equifax credit agencys to dispute and remove hard inquiries because of identify theft. Filed claim with FTC and submitted dispute to all three credit bureau two have process my dispute which is XXXX and XXXX. Equifax showing investigating was done when it has not been investigation and nothing was removed or resolved from Equifax. The following incorrect address and inquiries are showing on my credit report because of identify theft need to be removed from my credit report : Incorrect address never live or been in XXXX I the United States ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didnt notice on XX/XX/2025 one of my accounts was resolved Closed the CFPB made the credit bureaus closed one of my accounts Actually one of the best one I needed close An that took 8 days I put my complaint on XX/XX/2025 as you see in the attachment an resolved on the XX/XX/2025
Product: Credit reporting or other personal consumer reports

I HAVE IDENTIFIED INFORMATION ON MY REPORT THAT ARE A RESULT OF IDENTITY THEFT THESE items ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I open a credit card with Wells Fargo, the primary is my partner, Iam the secondary in the account, however I do have a POA for the primary in the account. 
In the summer of XXXX I received a balance transfer offer with XXXX interest rate for 18 months. From the beginning I notice that they were charging me interest rate on the transfer balance, I call them every month for 3 consecutive months, I stop, and I said to myself, before paying the bill I will talked with them about their rate offer violation, I was still using the card and paying off all new purchases every month. The interest I was receiving in my statement was all balance under the interest rate. Comes XX/XX/XXXX and I wanted to pay off the balance because that was the promotion offer, before paying off I went to a Wells Fargo branch and talk with a Customer Service, he said that it was a violation of the promotion and he open a claim, and I truly believe that it was going to be resolve, 10 days later, I received a XXXX envelope with a letter saying that it was not a violation of the promotion. 
The interest rate that I pay to them is in the surrounding of XXXX to XXXX dollars.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I signed up for a Citibank gold checking promotion that offered XXXX miles AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XX/XX/XXXX to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for XXXX spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than { {$90.00} } in account fees to keep the account open until the points had posted.
Product: Mortgage

I received a dispute summary report from XXXX and I see Wells Fargo closed my home Equity loan account # XXXX on XX/XX/XXXX with a XXXX balance then opened a new loan Account # XXXX under a loan type of a '' line of credit '' on XX/XX/XXXX with a balance of {$27000.00}. 
I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account. 
It 's my belief that Wells Fargo has no legal right to open a new loan in my behalf by prepackaging a previous home equity loan that should have been closed out due to the home being foreclosed on ... Additionally within the remarks it states '' foreclosure initiated, '' when in fact the foreclosure has concluded and was closed once the home was sold back in XX/XX/XXXX? 

Wells Fargo has acted unethically in the past and has been found guilty by our court system of falsely opening illegal accounts without permission or knowledge of its customers and has been ordered to reform their company 's business practices and pay a stiff penalty for their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
Child Support : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my credit score unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the E-Oscar system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.
Product: Credit card

In XX/XX/XXXX ( XXXX ) I got an e-mail from XXXXXXXX XXXX XXXX XXXX saying my order was shipped and needed someone to sign it. It happens that I don't have a subscription to this website. I subscribed ONCE to try when they had a sale and canceled right after that. 

Right after this e-mail, I e-mailed the XXXX XXXXXXXX support and informed them they were wrong about shipping me wine because I didn't have a subscription with them. I also checked my Bank of America credit card, which was LOCKED because I hadn't used it for months, and there was a charge for the wines, even tho the card was locked. 

The XXXX XXXX support said they couldn't refund me the total amount, they could try to refund me but deducting XXXX XXXX  for the fees. Of course, I didn't want it. I don't wan na pay any fee for something I didn't subscribe to. 

I filled a claim on the Bank of America app and, after long weeks of waiting, I got my claim denied by the bank. 

Now, when I checked the XXXX XXXX  website, it even says the wine was delivered to me, which is a lie. 

I'm not in the XXXX since XXXX XXXX XXXX and I can prove it. 
It's impossible for the wine to be delivered to me. I requested again XXXX XXXX  to refund me and to prove they delivered me any wine, but they haven't replied me yet.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Product: Debt collection

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX XXXX. Balance : {$800.00} XXXX. Date Opened : XX/XX/year> XXXX. Account number : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on at least a half a dozen times to let them know that an account that they have or that they are showing on my credit report is not correct it shows that I have a balance of {$930.00} to upgrade card but that card has been paid off since XX/XX/XXXX of 2023 there is no balance there is nothing owed to this company I keep putting him disputes what the company says that they are reporting that there is a 0 balance but for some reason experience is refusing to accept the. Information or something they keep saying that they've done their investigation. But they keep coming back with the same answer. Which means somebody's not doing their not really somebody Experian is not doing their job they are just sitting there pressing a button sending out the same answer to everything without doing any real investigation or getting up off their butts with one phone call they could have cleared this up having this account paid off and not being credited for it is damaging my credit and not allowing me to move further just in case I want to get a home a mortgage a new car them not doing their job and not updating my credit report properly is holding me back from doing these things and I need this corrected ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.
Product: Credit reporting or other personal consumer reports

FCRA 605B might necessitate the removal of any incorrect accounts from my credit report. Could you review the documents? Some listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Product: Vehicle loan or lease

The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.
Product: Credit reporting or other personal consumer reports

I saw an inquiry on my XXXX credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my XXXX credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a XXXX representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all XXXX credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. 
Thanks!
Product: Credit reporting

Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX