23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a mortgage with PHH Mortgage to purchase a villa on XXXX/XXXX/14. At the time of closing I was asked for over {$3000.00} for the escrow account. I questioned it at that time because from the data I had been given, most of the homes in the subdivision have real estate tax bills of under {$2000.00}. I was told that if the amount was incorrect that it would be corrected when the XXXX tax bill was made. 

PHH did pay the original tax bill. However, that tax bill was for an unoccupied home. the payment they made triggered an additional bill which was forwarded to them. They did not pay this bill nor did they notify me that it had not been paid. The total tax bill due was {$1700.00}. Of that they paid {$570.00}. 

I found out that they had not paid when I read a story about a local homeowner who lost their home because their mortgage holder never paid the tax bills. I decided to double check. The bill had not been paid. I paid it and sent PHH a letter requesting a refund for the amount I had paid out of pocket on XXXX. 

From XXXX until XXXX they basically ignored me except for the XXXX email they sent in which they stated that after checking with the tax office, there were no taxes due. The letter dated XXXX basically stated that they had received my complaint and would be in touch. 

I received a XXXX letter ( from XXXX XXXX, liaison to the President ) a few days after XXXX XXXX and I spoke. He agreed verbally and in the letter that PHH had ben negligent in not paying the XXXX bill. He informed me that there was an excessive amount of money in the escrow account and he would personally initiate a refund of any overage. I received a letter from him a few days later which stated that I was indeed due a large refund and that due to the overage that they had collected, they would be adjusting the payment amount and lowering it. 

Four days later I received a check for over {$1000.00} less than what he had stated and a notice that they would be collecting the same amount in escrow for the next 12 months as they have since the XXXX payment. 

They have estimated my taxes at {$4600.00} when in reality the actual tax bill was {$1700.00}. By the time they receive my XXXX XXXX payment they will have over XXXX what they need to pay the bill in XXXX. In other words, my tax bill could XXXX and they would have money left over. When they pay the tax bill in XXXX they will have over {$2000.00} left in escrow and yet will continue to collect almost {$400.00} a month for another five months before again evaluating and adjusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC. 1681 Acct Name : XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Acct Name : XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States no consumer reporting agency May make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I started receiving a bunch of emails welcoming to my new account at Moneylion that I didn't have or setup an account with. The emails included everything from welcoming me to my account, to your information has been updated and your virtual card has been setup. I immediately searched this Moneylion on the internet to find it's a real company so I reached out to them on the phone number ( XXXX ) found on their website. I was on hold for about 15 minutes when I finally talked to a customer service rep. I talked to her briefly and she did confirm there was an account in my name. I explained to her what was going on and she gave me a number to call which is XXXX for their fraud dept. I called this number multiple times over many days to just get put on hold for hours and then it hangs up on me. I called the 888 number again and talked with the customer service rep and she forwarded me to the fraud dept. Again I was put on hold for hours and hung up on over and over. I called the 888 number again and asked for a supervisor only to be disconnected again. I would like to get this resolved. I did not set this account up and at this point i don't know if they have my bank info or what is going on. This is fraud and I want to close this out and return anything that was taken. I also attached some of the emails I received for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 {$8300.00} XXXX XXXX is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. 

The account in question was charged off by XXXXXXXX XXXX XXXX  on approximately XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XX/XX/year> ; XXXX XX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued.

As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. 

I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 

15 USC 1681 15 USC 1681 s 602 15 USC 1666B
Product: Credit card or prepaid card

In XXXX of XXXX I was forced to XXXX from my job due to XXXX XXXXXXXX pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to XXXX  for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. We were able to keep all payment current until money fell a little short in XX/XX/XXXX. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XX/XX/XXXX payment on time as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my issue to FIRST PROGRESS and attempt to get my late payments from XXXX & XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it. My account is now current and I plan on paying the card of in XX/XX/XXXX.
Product: Mortgage

Our home is mortgaged through XXXX XXXX, the servicing agency being Select Portfolio Services XXXX " SPS '' ]. XX/XX/XXXX, the anniversary date, we notified SPS that under the terms of the agreement, we would pay the insurance carrier for hazard insurance on our property directly, and would no longer be paying through SPS. We provided a written notice and the policy declaration to the company. See, Exhibit A, appended. SPS continued to bill us monthly for the escrow payment. XX/XX/XXXX, we resubmitted the same information, again requesting that SPS no longer bill us for escrow for hazard insurance. Although SPS responded in writing [ See, Exhibit B, appended ] and we have had numerous communications with SPS, and promises that the issue would be resolved, SPS has not stopped billing. See, Exhibit C, appended. Because of concern about possible reports by SPS to credit reporting agencies that we are delinquent in mortgage payments, we have continued to pay SPS. SPS, therefore, has taken our money purportedly to pay for insurance, but has never paid the insurance carrier -- we have. At this point, SPS has overbilled us {$1000.00} -- being doublebilling for insurance escrow money SPS never paid the carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency TransUnion, XXXX  and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Product: Credit card or prepaid card

There were 5 purchases that show up on my statement that i did not approve. I called US DIRECT EXPRESS over ten times before i was able to get threw. i was on hold for 45 minutes, talk to a customer service agent for 5 minutes, then was told to hold while he transferred me to the dispute department. I was on hold for 2 hours before i finally gave up. Worse company every. I dont know why ssa would use this company
Product: Credit reporting or other personal consumer reports

I am writing to formally address significant inaccuracies in the payment history of my XXXX XXXX XXXX XXXX account on my credit report. Despite multiple attempts to resolve these issues through XXXX XXXX XXXX XXXX XXXX department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed. 
Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX XXXX XXXX XXXX account appear to breach XXXX XXXX XXXX XXXX legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : XXXX XXXX XXXX XXXX - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that XXXX XXXX XXXX XXXX - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX XXXX XXXX XXXX - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that XXXX XXXX XXXX XXXX - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # 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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Checking or savings account

I had a client that had multiple stolen credit cards back in XXXX of XXXX. He booked XXXX reservations with us and used a different credit card each time saying they were prepaid because he loads them from being an investor through bitcoin. The merchant service I had during that time ( First Data ) started to hold my funds without any communication on what happened. I called my credit union that I have my business account with ( XXXX XXXX ) to ask why my funds were not being deposited for the past couple days and they said they would look into it. I finally heard back from them that they were holding all the funds ( almost {$25000.00} ) due to some charge backs coming through. When they told me the dates and amounts I was able to figure out that it was the client with the prepaid credit cards that he said he had. All his transactions came out to around {$2800.00}. Since this situation I have signed up with a different merchant to keep business going and I take better precautions with getting all the information for every transaction that comes through. I don't accept any cards that a client says is prepaid anymore and I will only accept major credit cards. The bank says they have no control over this merchant releasing the funds and they don't have any answers on where my money will be released. All the charge backs have happened and I have paid everything back for that client back in XXXX. I also didn't get clear communication on fighting the chargebacks and lost the money that client had stolen from missing the window to fight them. I would have if the person at the bank told me clear communication on what to do. I understand that this merchant wanted to hold funds from what happened but to hold that much money and to keep telling the credit union that they will reevaluate releasing the funds and then nothing happens is getting me concerned. I have all the email correspondence on this from the past couple months that I can send in as well. XXXX XXXX told XXXX they would seek legal on this merchant but have failed to do so. Please let me know what other information you might need. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

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

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Transfer of Debt Collection Account Dear CFPB, I am writing to formally report a concerning situation, I discovered that my account was sold to a new debt collection agency without my notification. This account was removed from my credit file, due to the debt collector not being able to provide documents I requested so I can verify. Details of the situation are as follows : 1. Original Debt Collector : XXXX XXXX XXXX 2. New Debt Collector : Consumer ADJ CO. 
4. Date of Transfer : XXXX I was not informed of this transfer, which I believe violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), mandating that consumers be informed about debt-related communications. Furthermore, this lack of notification and its resulting entry on my credit report violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) that protects consumers from inaccurate reporting. Due to these violations, I kindly request your assistance in addressing this matter and would also like to explore eligibility for compensation as a result of this lack of notification and potential violation of my rights. Thank you for your attention to this matter. I hope to hear from you soon regarding the next steps. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Money transfer, virtual currency, or money service

XX/XX/2023, I requested PNC Bank at XXXX XXXX, XXXX, XXXX  to wire {$10000.00} to my brother XXXX XXXX XXXX XXXX XXXX, XXXX Unfortunately bank wired the money twice. The bank wire person called me and indicated, she wired the money twice by mistake and made request right away to recall the duplicate wire. My brother is unable to draw duplicate wire and send it back due to XXXX financial crisis. Now bank is refusing to refund my money which bank wired duplicate funds without my knowledge and authorization. In spite of several requests they are ignoring it. 
Wire reference and complaint # XXXX XXXX Phone # XXXX XXXX XXXX.
Product: Debt collection

The debt is {$10000.00}. I requested more information by fax that include my email address on the X/XX/2017. Also I attached was a copy of a casher 's check and emails verifying the amount was incorrect. I was told they will have to investigate and I will have to pay {$4000.00} but the will have to report the {$10000.00}. and stay on my credit for seven years. Up to now I have receive a breakdown of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines.   XXXX   XXXX   is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Product: Mortgage

I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male