23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this complaint because my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This complaint is in regard to a reinvestigation performed by TRANSUNION. A recent investigation was performed by TRANSUNION over multiple inaccurate and incomplete accounts that commenced in early XXXX of 2024 in my consumer report with their agency. I recently received an updated version of my consumer report bearing the updated accounts that were initially investigated and noticed that there is still an existing account that still has missing information. This account is incomplete because it lacks transactional information in the payment history section of the report. This data shows up as " XXXX '' notations indicating the account 's incompleteness. The furnisher has failed to verify and update TRANSUNION with all the relevant information necessary to make the account report as complete and accurate. As a result of the failure, an incomplete account is currently being reported in my consumer report from TRANSUNION which is potentially damaging, misleading, and directly constitutes statutory violations of the Fair Credit Reporting Act. Specifically, the Fair Credit Reporting Act section 1681e ( b ) Accuracy of the report and section 1681 ( a ) ( 1 ) accuracy and fairness of credit reporting. Consequently, I am well within my right to have the disputed account deleted from my credit report based on these violations because of TRANSUNION 's failure to ensure maximum accuracy of my consumer report as evidenced by this existing disputed account during the account 's reinvestigation process.
Product: Mortgage

Amerihome mortgage company LLC is my mortgage company. In mid of XXXX of 2022 they informed me, of increase of taxes and Insurance, and therefore, there were a shortage needed to be paid before the end of XXXX. I was informed that my shortage is XXXX total. 

In XX/XX/XXXX of 2022 I made a payment by phone fully to cover the XXXX shortage as they requested. 

IN XX/XX/XXXX, XXXX and XXXX, I called to follow on my Escrow, the customer service agents informed me different statements. one said there still shortage of less than XXXX and other stated there is hundreds, so Confusion occurred, and therefore a suggestion from another agent to wait till the numbers adds up next month, and maybe look for different Insurance company or to work in reducing my Insurance policy in order to see a difference in my monthly payment. 
I decided to reduce my home insurance and requested to be sent to my Amerihome and they did. the reduction didnt make any huge difference. 

I was told my monthly payment will increase no matter what. 

I'm confused and stressed about the outcome of my communication with Amerihome and it seems no way to avoid the shortage and pay it off fully due to accuracy of information provided.
Product: Debt collection

On XXXX XXXX velo law started garnishing my wages on an account from XXXX i have never owned a credit card they garnished XXXX dollars. I hired a lawyer XXXX XXXX i never recieved any information from any party. XX/XX/XXXX ipaid XXXX dollars cashier check with certified mail which velo law has recieved because i checked tracking number. i have called multiple times they say they can not release any information too me because i have an attorney. the issue is the attorney no longer represents me. they will not send me reciepts or tell me any information and they have taken XXXX dollars they have garnished recently i really need your help action must be taken
Product: Checking or savings account

on XX/XX/XXXX I made a online purchases from XXXX XXXX, in the amount of XXXX after the item was delivered, I noticed the jeans were the wrong size, I reached out to XXXX for either and exchange or a refund via email. I received a response and was approved for the return. after sending the jeans back I did not received the refund or the exchange. I reached out to XXXX asked for the exchange or refund, no response after 30 days. I reached out again via email without a response and stated I would have no option but to dispute the transaction. I opened a dispute with bank of America claim # XXXX a temp credit was issued. 

I received notice of the bank unable to pay, due to the response of the merchant. after I review the documents the merchant sent to the bank, BOFA failed to properly review and investigate the information sent in by the merchant, the paperwork sent by the merchant shows clearly the exchange was sent to a completely different person and address. 

bank of America has a duty to protect its customer and has clearly failed to do so, the neglect to do a proper investigation, has put me in distress, as its hard enough to pay my bills. it has demonstrated bias toward my race, and has favored the merchant to make profit over its customers.
Product: Credit card or prepaid card

My mother 's Sun Trust master card was used for two fraudulent transactions. One on XX/XX/XXXX for {$240.00} and one on XX/XX/XXXX for {$240.00}. Both seem to be the same. My mother has not used the card for either transaction. The fraud department says they've investigated and they keep insisting the charges are valid. I suggested they investigate my mother 's history with that card and clearly they haven't because if they had it would be clear that she did not charge either one of these. Someone at a restaurant perhaps used it before they returned it to her. Both charges appear to have been placed at XXXX XXXX. My mother is XXXX years old she doesn't travel and if it's a mall she hasn't been to a mall in 10 years.
Product: Debt collection

I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. Equifax is falsely stating this information on my credit report and yet to remove it.
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 Name XXXX XXXX Account Name XXXX  XXXX XXXX XXXX Account Name XXXX XXXX Account Name XXXX  XXXX XXXX Account Name : XXXX and list of Inquiries 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 XXXX 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 reporting or other personal consumer reports

I dispute the unauthorized hard inquiries on my credit report. These errors breach 15 USC 1681c-2, and I request their removal without delay.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$410.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$750.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX OXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, I received our annual escrow account statement, alerting me that my monthly mortgage payment would be going up by about {$100.00}, in order to account for revised tax/home insurance amounts, and to make up a shortage of my escrow account. 

The shortage is estimated to be {$840.00}, representing the difference between the projected low balance ( - {$200.00} ) and the " required escrow balance '' ( {$630.00} ) - required being their terminology despite the fact that federal law does not require them to have that minimum but permits them to " charge the borrower a cushion that shall be no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the escrow account. '' XXXX ( c ) ( XXXX ) ( i ). When extrapolated over the course of the year, that adds {$70.00} to my monthly payment. 

I don't take issue with the fact that there is a shortage that needs to be accounted for. What I take issue with is the timing of the mortgage servicer paying my property taxes, and doing so to create a greater shortage ( or a lower " projected low balance '' ) for the year, which in turn requires me to pay more each month in order to make up the shortage. 

In the County where I live, property taxes are due on XX/XX/XXXX of each year. I don't even receive a statement from the County until after XX/XX/XXXX. In XXXX, despite my escrow statement from XX/XX/XXXX projecting my property taxes to be paid in XX/XX/XXXX, after my monthly mortgage payment ( which is paid on the first of each month ), the servicer debited my property taxes from my escrow account on XX/XX/XXXX, creating a negative balance until my mortgage was paid the very next day. Looking at the escrow statement for XXXX, because the servicer plans to debit my property taxes from my escrow account in XX/XX/XXXX rather than just days later after my XX/XX/XXXX mortgage payment, I will have a balance of - {$200.00}, rather than {$110.00} if they would wait to pay the property taxes closer to when they are actually due. Doing so would lower my " shortage '' to {$520.00}, requiring an added {$43.00} each month in XXXX to make up the difference. 

I have reached out to the servicer to try and resolve the issue, but they told me it would not be possible to adjust the date of the property tax payments for my account, because it is sent to the County as a lump payment covering the property taxes of all accountholders within the County, which leads me to believe that they are artificially creating shortages or greater " Projected Low Balances '' for many more accountholders in the area, something that could be resolved if they simply paid the property taxes when they were due.
Product: Money transfer, virtual currency, or money service

This is a follow up to Complaint ID Number XXXX I have sent XXXX email messages to Venmo to close my account and completely remove all my personal information from their databases. I advised them that in the event there was an unfortunate breach of their systems, I would be affected yet I am no longer XXXX of their customers. Venmo went silent on me despite the follow up message. I would like them to confirm in writing that they have removed all my information from their systems. I should not be able to log into the account yet I still can and the banner states " Your account has been suspended ''
Product: Credit reporting or other personal consumer reports

in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Money transfer, virtual currency, or money service

A international wire transfer from my local bank " XXXX XXXXXXXX XXXX '' to XXXX in the amount of XXXX was returned to Amex on XX/XX/XXXX Amex uses Citi to its international wire transfers. Citi has refused to deposit those funds back into my XXXX XXXXXXXX XXXX Account, despite the many attempts from several individuals at my local bank and corporate offices. 

I need assistance on getting Citi to return those funds. 

Thank you much XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Pa XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. 

I received a bill from WAKEFIELD AND ASSOCI and as allowable under the Fair Debt Collections Practices Act. I am requesting validation of the alleged debt. I am aware that there is debt from WAKEFIELD AND ASSOCI but I am unaware of the amount due and this bill does not include a detailed breakdown of any fees, and I do not recognized who this is affiliated with.

Furthermore, I am allowed under the HIPPA law ( Health Insurance Portablity and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to an unknown provider for them to release my medical information to a third party. I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patients authorization.
Product: Debt collection

I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.
Product: Mortgage

On or about XX/XX/2024, I applied to receive mortgage assistance from CrossCountry Mortgage LLC. However, to date, I have received NO RESPONSE OR COMMUNICATION from XXXX regarding my request for hardship assistance. This is in violation of my rights under the XXXX  rules and regulations regarding requests for mortgage assistance/relief from homeowners. 

On or about XX/XX/2024, I mailed a notice of adverse action to CrossCountry Mortgage LLC ( hereinafter " CCM '' ), the Servicer of my mortgage. In that letter, I requested the information for the original creditor since XXXX had provided a letter dated on or about XX/XX/2024, informing me that the original creditor was XXXX XXXX and that the mortgage note was placed into a mortgage backed asset pool. They also provided me the specific name of the mortgage backed asset pool. In my letter dated XX/XX/2024, I specifically asked for the CUSIP number of the mortgage backed asset pool. XXXX responded that it was " proprietary information '' and they COULD NOT provide me the CUSIP number. However, CUSIP Numbers are NOT " proprietary information ''. CUSIP numbers are unique numbers assigned to a financial security. Since the financial security is mine, I am entitled to know the CUSIP number and XXXX must share that information with me upon request and I have and am requesting the CUSIP number. 
I also specifically asked for the original creditor 's information including the specific address of the creditor. I also specifically inquired about the Deed of Trust since the Deed of Trust currently does not properly reflect that XXXX XXXX, a subsidiary of the XXXX XXXX XXXX XXXX XXXXnd XXXX XXXX, is the actual lender/creditor and it does not reflect the correct Trustee and it does not reflect the correct Beneficiary. 

On or about XX/XX/2024, I received correspondence from XXXX, in which they did not provide all of the information requested. I did however, receive a payoff quote from XXXX, although it was NOT requested. By NOT providing the specific information I requested, XXXX is in violation of my federally protected rights under FDCPA, FCRA, and UDAAP and in violation of XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX. 

XXXX further violated my rights by refusing to acknowledge that they attached an allonge to the mortgage note and already received the full amount of the note due but then also proceeded to assign the note to other holders in due course and have amassed and received additional financial benefits and reimbursements as a result of the mortgage note that I alone signed. I have sent XXXX a notarized revocation of XXXX of Attorney, a current XXXX of Attorney, a revocation of security interest on the note, and instruction letter. I also informed XXXX that I will have a forensic audit completed on the mortgage note to evidence the capital gains that have been earned on my behalf that XXXX has failed to credit my securities to me. Thus XXXX is committing securities fraud by continuing to act on my behalf and/or act as my fiduciary in regards to the mortgage note and continued assignments. Currently, the note was recently assigned to XXXX XXXX XXXX per XXXX. ( See attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, XXXX XXXX Experian XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.
Product: Mortgage

We received and were approved for loss mitigation in XXXX after a long lengthy process. They tacked on exorbitant legal fees and other fees. We bagan making payments after never receiving any paperwork other than a letter that we were no longer in foreclosure. Payments were being made with no knowledge of where to send them. We sent to the address in the paperwork, when I called about this the CSR said that this was normal during loss mit and continue to make payments. We did and it was still being reported to the Credit Agencies that we were in default. On XX/XX/XXXX, I received XXXX statements with a due date of XXXX. When we called them they informed us that our payments were going toward attorney fees when that is not what the paperwork stated, they were added to the balance. We want to pay via ACH but they wont let us stating we are behind, then we were told we only owe XXXX. They sent me a statement which was so confusing I couldn't understand it. Now today I got a letter that we are in default which is not true. I want to refinance with another bank so I don't have to deal with them anymore. I have never dealt with such incompetence in my life