23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, On XX/XX/XXXX I received a Escrow Check in the Amount of {$570.00}. My Mortgage was {$1500.00} prior to this refund. My mortgage increases to {$1500.00}. I cash the Check. 
On XX/XX/XXXX, I receive notice that my Escrow is short by {$1300.00}. I have two options, do nothing and my Mortgage goes from {$1500.00} to {$1700.00} or pay the shortage of {$1300.00} and my Mortgage goes from {$1500.00} to {$1600.00}. I choose to pay the {$1300.00}. So at that time I am obviously irritated and call a Wells Fargo Rep., she tells me I should not have cashed the check. So in my mind why send it in the 1st place. So the Bank used this loophole to raise my mortgage? 
On XX/XX/XXXX, I receive another Escrow Check in the Amount of {$460.00}. So I again call Wells Fargo and talk to a representative who tells me that the escrow is evaluated every year in XX/XX/XXXX and that all escrow overages have to be returned to the customer. I just got my XX/XX/XXXX Tax evaluation and my property has increased in value from XXXX to XXXX. Obviously, the Taxes will increase and again I will be short on my Escrow Account and get to look forward to another Mortgage increase. This was explained to the representative and she told me she had no control over the tax increase. I get that and suggested that I do not cash the Check and she basically told me I had to. So, my thought is to cash the check and put it back into my escrow account as I pay it on line and have that option. She did not confirm or deny if this was acceptable, but did say even if I wasn't short in escrow come next XX/XX/XXXX I could expect to see an increase in my mortgage to cover the escrow shortage on paper to cover the tax increase, really? 
Again, I feel this is a game played by this lender to constantly increase your mortgage every 2 years and it is not right! I should be able to add more escrow monthly to avoid a mortgage increase. I am XXXX, and really do not feel that my income will increase to offset this increase every 2 years. What is the escrow overage limit defined by the government that has to be returned to the lender? 

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

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. XXXX, XXXX, and Transunion need to remove the " XXXX XXXX '' CLOSED, negative accounts XXXX in total from my credit report. 

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from XXXX, XXXX, and Transunion.
Product: Payday loan, title loan, personal loan, or advance loan

When I got a loan from them, I asked for 90 days of interest-free. I told them okay and provided my bank account. The company didn't take money from the account ; let it pass 90 days and start to charge by month {$220.00} twice a month. Eleven months ' payment of {$4900.00} has been paid, still a balance of {$2000.00}. Now they are telling me I have to sign the lease original amount is only {$2300.00}. I don't know why they charge me this much money
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a review with the Experian and XXXX   beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX  2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : INACCURATE INFORMATION DISPUTE : XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$71.00XXXX XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit card

The current balance at Synchrony Bank {$1200.00} was credited/refunded on XXXX. See attachments. Also, their website is NON-FUNCTIONAL.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am formally lodging a complaint against TRANSUNION for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, XXXX detail the relevant statutes and stipulate the necessary corrective actions : XXXX. Inaccurate Bankruptcy XXXX : TRANSUNION has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

XXXX. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( XXXX ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, TRANSUNION is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( XXXX ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

XXXX. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, TRANSUNION has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of bankruptcy by TRANSUNION is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and unreliable 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 address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial frustrations, to the point Ive stopped using the service as a precaution, Ive since started using it again, upon using it theyve added a new spot pay feature, but there is no option to turn it off, if a bill goes through with no money in my account to cover it, I now owe cashapp whatever money they covered up to {$100.00}, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my Transunion credit report. I called the XXXX Bankruptcy court that Transunion said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer report and it causing me harm. There are several names and addresses listed on my consumer report that are incorrect. I have previously disputed this same information with the consumer agencies which they stated they verified as accurate how is this when I know my own name and where I reside. I have attached proof of my identity and residency. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX update my consumer report immediately. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have been trying to dispute a collection account by the name of Cavalry Portfolio Services, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but XXXX is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why XXXX will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Credit Report that is now obsolete and should be deleted as the age of the account is over XXXX years old as of XX/XX/2023. The account as it should have was removed from my XXXX report in XX/XX/2023. In XXXX the account was still being reported to Equifax and XXXX. I have opened and filed disputes with these agencies and XXXX completed the dispute and deleted the account and it is now gone from my report. Equifax will not delete the dispute. They have closed my dispute and their resolution was an " Updated '' the account. As previously stated this account is over XXXXyears old. The account is an obsolete record and it should be deleted.
Product: Mortgage

Misleading over the conversion of a mortgage in New York State. At the very end of the conversation a point fee went up from {$400.00} to {$3400.00}. I was a die hard USAA member. Brutal experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.