23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I closed on my first home. At closing, the projected payment for escrow was based on the previous owner 's exemption status of Over-XXXX, XXXX. Due to her exemptions, she was 100 % exempt from county and city property taxes and paid {$0.00} taxes. Clearly, I'm not over XXXX and XXXX and these taxes were not accounted for in my new escrow account, despite the tax certificate documentation. The lender did not accurately disclose my tax liability and deceived me to qualify for an FHA loan. In XXXX XXXX, I received an Annual Escrow Analysis from my current loan servicer citing a severe escrow shortage of {$6800.00}. My mortgage went up from {$1500.00} to {$2400.00}, a monthly increase of {$950.00}. I retired on XX/XX/XXXX and am on a fixed monthly pension of {$3100.00}, but now I've defaulted on my loan facing possible foreclosure. However, I am under review for a loan modification. My current mortgage is {$1100.00} for PI and {$1100.00} escrow for taxes/insurance. I am paying almost as much for my escrow as I pay on my loan. There's something inherently wrong with that. As a first time home buyer at closing, we expect the professionals to do their jobs, with truth in lending. I was deceived and totally unprepared for this massive shortfall that has impacted every facet of my life to date.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXX there was a credit card by the name of Current that was opened in my name on XX/XX/XXXX and today I received and email that they have changed the address from XXXX XXXX XXXX I have a freeze on my credit so Im Not exactly sure how this happened
Product: Debt collection

Debt was charged off by the company XXXX XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Debt Recovery Solutions in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, DRS reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Debt Recovery Solutions that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
Product: Debt collection

I took out a loan for furniture for first American finance in XXXX XXXX XXXX. We set up to do auto pay on the bi-weekly payments. The dollar amount was set. I fell behind in payments. I contacted them. Let them know not to run my payment until the following week. 
From that point on, over XXXX months, They tried MULITPLE times per day to run my card. They also tried multiple dollar amounts. My bank kept assessing my charges. I explained this to them. I sent them copies of the attempts and asked them to reimburse me the fees for each of the non-authorized fees. They sent me back a copy of my contract. They did not acknowledge that they kept trying to run my card. Some days it was XXXX and XXXX times a day. 
when I spoke to the manager, he said they are allowed to use it " by any means possible '' to get the money owed to them.

At that point, my bank closed my account. l stopped trying to pay until they reimbursed me the fees that they caused, without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with two CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from XXXX states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my Consumer report, which supports there was not a proper investigation done by Equifax and XXXX. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Debt collection

I was informed about a loan that I was behind on in payments, a loan I do not remember or know anything about. I was worried so I made a payment and then contacted them. When I realized my mistake, I contacted them and told them it was an error that I did not request the loan. They told me that since I made a payment, I was stuck with the debt and had to pay it. When I started to pay, I couldnt keep up with the payments and the account was charged off through a company called XXXX. Now I received 3 letters in 3 days, today the letter was labeled as a Court Related document from Crown Asset Managememt LLC.
Product: Credit card

On XX/XX/2016, while reviewing one of my credit bureau reports I noted an inquiry from American Express ( AMEX ) in category of requests that I had initiated. After speaking with XXXX AMEX customer services reps, I was able to speak with a fraud specialist. I was told an account had been open in my name on XX/XX/XXXX. and sent to an address in XXXX. I have the agents ID if needed. In any case I was told an investigation would be open and I would not be responsible for any charges. I would also receive a letter saying same and credit bureaus would be informed. I questioned sending a card to XXXX when the record clearly says I reside in XXXX and have for twelve years. The agent told me they pay no attention to the address. Wow! No wonder Identity theft is so wide spread when companies make it so easy for the thieves.
Product: Checking or savings account

This bank is not following Regulation E guidelines. They charged me an NSF fee on an item still pending. After all items had posted on XX/XX/XXXX there was a POSITIVE balance of {$30.00}. The NSF fee hit that night causing the account to go negative {$5.00}. The item that caused the NSF fee is still pending on my account. Pending items can be removed by the merchant at any time. That is why you can not dispute and why FEES can not be charged against a pending item. XXXX, the call center manager on duty XX/XX/XXXX at XXXX XXXX, needs new yearly training to be updated on Regulation policies. This is federal law this bank is breaking. At the end of business day of XX/XX/XXXX my account was positive. I demand my money be returned as it was stolen by Regions Bank. This bank is so fee hungry, they will take a fee before the transaction even posts!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian opened my dispute for account XXXX XXXX XXXX XXXX They updated it on XX/XX/XXXX stating this account was REMOVED from my credit report. Then on XX/XX/XXXX they reinserted this account to my credit report with no explanation or did NOT send me a notice 5 days prior to the reinsertion and that is a FCRA violation. I have sent them countless letters asking for an explanation and to validate this account to make sure it is accurate and I feel like no investigation is being done correctly as per FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - Experian, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

The errors date back to XX/XX/2019 to present. My credit ws XXXX with XXXX  and equifax and then it dropped more than 100 points without explanation. I have been a homeowner for 2 1/2 years with excellent payment history. I have leased a car for 2 years with excellent payment history. I hav no derogatory marks on my credit. There was a mistake by XXXX erroneously putting my account into collections. That eror should have been corrected by now. If the problem is not resolved ASAP, I will take legal action against XXXX and any other entity responsible for this mistake. I am a XXXX veteran.
Product: Credit reporting or other personal consumer reports

I have requested to remove these accounts that belong to me. I have been looking to apply for new credit and it is holding me back. I have no knowledge of these accounts and have requested original contracts but none have been provided.
Product: Mortgage

XXXX XXXX told me to contact Select Portfolio Services in regards to getting my XXXX. No one seems to have been at fault in this XXXX 2nd mortgage scam. I filed a XXXX XXXX in XXXX which got rid of my 2nd mortgage and restructured the 1st mortgage. In XXXX or XXXX this XXXX  2nd mortgage popped up as XXXX XXXX and said I owed them {$120000.00} and they were foreclosing on my house. I called my 1st mortgage company they said it was a scam. I called the agency that did the bankruptcy filing and they said it was a scam. Then I received the foreclosure paperwork and I verified that the 2nd mortgage company can foreclose on my home so I paid the payment in the total amount of {$67000.00} because I was scared of losing my house. At the time Not knowing that they violated Regulation Z part of the Truth In Lending Act. I didnt receive any statements from XXXX or SPS regarding interest attached to the mortgage nor a statement or anything until I received foreclosure notice. The loan, shortly after I made the large payment was transferred to Select Portfolio Servicing Inc . I believe I was duped out of my life savings by this zombie 2nd mortgage which was wiped out when I filed bankruptcy. Proof of payment is attached
Product: Debt collection

XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote. 

Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party. 

Phone call was on XXXX18
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I
Product: Debt collection

In accordance with the Federal Credit Reporting Act, the below this company, Eastern Systems, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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. According to 15 USC 1681s-2 they are suppose to not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Around XX/XX/2020 Suntrust bank put my account on hold, after talking to them they asked me to verify transaction I made in writing, in a notarized letter I explained to them that the XXXX transaction was indeed initiated by me and was for my benefit, I included a copy of my ID as requested, was promised that my account would be accessible after 72 hours. After 72 hours I called them again and was informed they cant release my funds and no reason was given. After several attempts to collect my funds on a letter dated XXXX XXXX they informed me that they have decided to close my accounts, checking and business account, I had a savings account with them too but they never sent a letter closing the savings account. 

I waited for two weeks to received my funds when I didnt receive them I contacted them, I was connected to the fraud department where they informed me that they cant release my funds unless I provide them with bank statements of every third party I did XXXX transaction and with. ( Meaning anyone I sent XXXX or who sent me XXXX ). 

I explained to the representative that was unreasonable request, I cant go and ask people for their bank statements simply because they transacted with me. I explained that some of these people I did business with them on XXXX market and I did not personally know them to be requesting their bank statements. Even for the people I know they were not comfortable giving me their bank statements. 

I asked the fraud department representative if they was any disputed transaction on my account, they said No account was closed as a preventative measure on their bank. 

So I asked if there is no any dispute why do you need bank statements of other people, no satisfactory answer was given other than thats what the investigator requested and put notes on the account. 

Ok several times I have requested to talk to the investigator and they promised they would call me but no investigator has ever called me despite several requests. 

I explained to them that I can prove the reasons for the transactions but I cant provide them with other peoples bank statements since thats beyond me. 

The balance on the savings account is {$15000.00} The balance on the personal checking account is {$1100.00} and {$100.00} on the business checking account. 

I feel they are being unfair because I have no way to obtain other peoples bank statements. 

If they want those bank statements Im sure they can go to the court and get a subpoena if they have a legal reason. 

Suntrust have given me a run around for 7 months and looks like they are not willing to help. 

Help from this institution will be highly appreciated. 

If you go on their XXXX and XXXX pages a lot of customers are complaining of the same things Suntrust holding their funds without explanation or absurd reasons and making unreasonable requests. 
If you read the comments on their social media pages you will know how many people this bank is stealing from.
Product: Credit card or prepaid card

Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$7200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide my name and signature on that loan and car title then please remove it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Product: Money transfer, virtual currency, or money service

Someone use my bank account and sent out {$5000.00} by XXXX XXXX through about 30 transactions. But i was in sleep at that time. Chase declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What chase said is true. i try to fix it with chase, chase asked me talk to XXXX due to it was authorized by face id. And XXXX pushed me back to chase bank. the local police department refuse to help me and they dont care about this case. I have never send out multiple transactions and use all of my XXXX limit.
Product: Debt collection

Still to this date this collection company on top of it its sleazy tactics has still failed to produce any proof that the debt mentioned And erroneously reported on my credit has anything to do with me and is not the result of ID theft. 

Despite its numerous calls to me and my numerous attempts to get them to answer that question they continue to affect my credit and my lifestyle with this derogatory reporting yet no one seems to listen to the law
Product: Credit reporting or other personal consumer reports

XXXX refuses to update their files and correct my credit reports. They are reporting 2 student loan accounts ( with co-borrower XXXX XXXX ) as open with a balance, when in reality both accounts have been closed for almost a year and have XXXX balances. I have attempted to resolve this with XXXX via postal mail, email, and telephone, but they will not correct the information. During a telephone conversation on XXXX XX/XX/2023, a representative from XXXX verified that my account with them was closed. She said they would investigate and correct my information, and that someone from XXXX would contact me in 24-48 hours. None of this happened. I have also tried to dispute the 2 incorrect credit report entries with XXXX, Experian, and XXXX, but all they do is say the information is accurate and to call XXXX. Here is a short history of the loans : The co-borrower and I had student consolidation loans transferred to XXXX from the Dept of Education, then XXXX transferred our loans to XXXX ( at which time XXXX closed the accounts in their systems ), our loans at XXXX were completely paid and the accounts closed in XXXX 's systems. The Dept of Education and XXXX have reported the accounts to the credit bureaus as being closed with a XXXX balance. XXXX refuses to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my credit report with Equifax.