23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During closing, I notified the mortgage servicer that I felt that the escrow amount was not considered reasonable, as their estimate of taxes did not accurately reflect the tax law in my region/city. They requested a much higher escrow amount. I then attempted to have them review their escrow analysis multiple times, to no avail. 

Now, there has been a large disbursement ( it seems ) from escrow but there has been no notification or no log of such disbursement. When I view how much is in escrow, the amount decreased by $ XXXX with no notification of where my money went. When I log-in to review escrow documents, I see documents associated with Insurance, tax, PMI disbursements, but there is no log of this $ XXXX disbursement. I am not sure how much my escrow actually dropped because there is no backup available to me. I have waited over a week just in case it was a delay on their side, but still nothing. I wouldn't have known this amount was disbursed unless. I was notified that my mortgage servicer was going to transition to another mortgage servicer within the next week and I am extremely worried that I will lose any and all visibility to this $ XXXX escrow disbursement. 

I have now called 5 times over the past 2 months and can get no answers.
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 XXXX, Account name : Rentdebt Automated Colle, has violated my rights. 

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 seven 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom this may concern, I am writing to request the removal of unauthorized hard credit inquiries that appear on my equifax credit report . I recently retrieved my credit report and it is showing unauthorized hard credit inquiries that I have no knowledge of ever authorizing. Therefore these inquiries are reporting fraudulently and it is illegal to report inaccuracies to a consumer credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report. I am aware of my rights under section 605b that this INFORMATION MUST be removed from my credit report effective immediately after providing the necessary information attached to this letter. Under 1681 15 USC I have the right to privacy, my credit report must ONLY SHOW TRUE AND ACCURATE INFORMATION. Thank you. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Attached you will find a copy of my id and social security card for verification along with a filed FTC report on behalf of the unauthorized fraudulent inquiries. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I waited for the details and nothing came. My phone call with them on XX/XX/24, I was told they were not providing more information
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I found out that my Celsius Network digital asset account was frozen, and they would not allow me any access to sell, buy, swap, transfer or withdraw any funds, coins, collateral or rewards, essentially locking me out from accessing my property. At that time, my assets inside my Celsius account totaled roughly {$1.00} million in equivalent US Dollar value, and were comprised of XXXX, XXXX, XXXX, XXXX, XXXX and others. 
Just days before the freeze, the CEO of Celsius XXXX XXXX was boasting that all assets were completely safe and that everyone has complete access to their assets. Indeed, for years XXXX constantly boasted about how Celsius was safer than a bank -- suggesting that our assets were not only completely safe, but that we'd be utter fools to use banks instead of Celsius, especially with that " sweet yield '' we were earning. After XX/XX/2022 as an accredited investor I moved assets into CUSTODY to add an extra layer of safety to some holdings. Holding assets in CUSTODY meant that the assets were not earning any yield, and they could be readily accessible at any time. 

In early XX/XX/2022 I pledged approximately {$400000.00} in XXXX from CUSTODY to become collateral for a {$100000.00} USDC loan against my digital assets. This four to one ratio of collateral to debt ( 25 % LTC ) enabled me to gain some capital access at 2.95 % annual interest rate and most prominently allowed me to access some of the value of my appreciated coin valuations without selling any assets and incurring taxes.

In summary, I have coins held in the EARN account, in the CUSTODY account, and pledged as collateral on a LOAN, which I would gladly pay off to rightfully recover possession of my digital assets.

Not only is it now readily apparent that Celsius LIED to us extensively by taking massive undisclosed risks with our assets and covering up the truth of their beleaguered financial status, but after being exposed they are now using OUR assets to seek compensating themselves and paying attorneys to help exonerate them from their gross negligence and heinous acts of mismanagement and perhaps, extensive fraudulent and 'Ponzi scheme ' related activities. We find this to be terribly disturbing and blatantly illegal in many ways and feel it warrants a thorough investigation and prompt legal attention. 
Thank you for your ardent consideration in this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is my third time filing this complaint about Experian. I have recently been informed that there is negative information reported in the file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see a negative entry for XXXX XXXX on account # XXXX. 

Experian claims they contacted the data furnisher to verify the accuracy of the information with which I disagree. Experian further claims the data furnisher has verified the accuracy of the disputed information and the results summary was sent to me, XX/XX/XXXX, for review. 

Please do not base your decision on a previous investigation. I have attached pertinent information supporting my request! I am enclosing an official statement on company letterhead from XXXX XXXX XXXX dated XX/XX/XXXX indicating account # XXXX has been paid in full and should be removed from my credit profile immediately. Whatever investigation Experian conducted before is null. 

Once again, I challenge the accuracy, compliance and reportability of this listing. I implore you to have Experian validate this information with the original creditor and provide me with copies of any documentation associated with this account. 

I formally request that this information be immediately deleted from the credit file maintained under my Social Security number. Please do not allow Experian to continue reporting this inaccuracy. This is against the law! 

Your prompt attention to this matter is greatly appreciated, XXXX XXXX
Product: Checking or savings account

I requested a refund/dispute on a transaction made today XX/XX/year> at XXXX XXXX  for {$15.00} I did not receive the goods/services and was denied a refund by XXXX. I then went to pay fare for a dispute. They also denied it. I asked if it was because it was pending they say no its because I did authorize the transaction. I dont understand because I did not receive the goods/services promised from XXXX. I need help getting a refund
Product: Debt collection

in  XXXX     2017, I fille d a report with this company with the FTC, about a collection about the amount for  XXXX , for concept for the bill due for payment.   We did the report with the FTC and I sent the police report I did in date  X/XX/2017   .   The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.
Product: Checking or savings account

I filed a dispute # XXXX with Wells Fargo Im regards to 33 unauthorized charges totaling {$4300.00} on my debit card ending in XXXX from an online XXXX site. I believe someone used my card online to play but I was unaware of this. I filed on XX/XX/24 and heard nothing until XX/XX/24 when I was left a message by XXXX from Wells Fargo claims dept asking me to return her call to answer questions. I called back the same day and answered them. The next day I got 2 more voicemails from the same person asking me to call again for questions. I called back again on XX/XX/24 and was told that there was no record of me answering the questions but it was noted that I called the day before. So the person who I talked to on XX/XX/24 for at least 40 min and I answered all the questions with never updated it correctly so XXXX could see. So I answered them again on XX/XX/24 and was told it was being processed. Today on XX/XX/24 I get a message on my online account that the claim was denied because the charges were correct. This is absolutely ridiculous and this is {$4300.00} in charges that I had faith in this bank to handle correctly. There is no proof possible that I did these charges since I did not and I dont think it was even looked into besides asking me questions. One of the questions was if I had personal information on my phone stored which I said I did because I have passwords stored for online accounts. I think this may have been their reason for denying this and thats insane because I also stated that no one has access to my phone or computer. I am highly disappointed how this was handled. I got no temporary credit while this was supposed to be investigated and I can not pay my bills because of this. They waited until the XXXX business day after I filed to deny this so they didnt have to issue one. I am beyond upset at this point
Product: Vehicle loan or lease

I have had car loan with Chrysler Capital since XXXX. As stated on their policy of reporting to the bureau 's every 30 days/end of month, my current active car loan is not reflecting 5 years or payments, or to exist at all. It was actually purposely removed from Chrysler Capital themselves as XXXX let me know reflected on their end. Removed XX/XX/XXXX, not show closed or every owned by myself. 

I first contacted them regarding this XXXX of XXXX when I noticed my car had been removed for my credit report, although prior it has always reflected. I was directed to the credit department who said they would send it into the bureau 's again and follow up with me. I did not receive a call back. 

I reached out again XXXX of XXXX as I still did not see my car reflect on my credit report. I let them know that no one had followed up with me. I was then told another report was put in and someone would follow up with me. No one did. 

I called again XXXX of XXXX and inquired about my car not still not reflecting on my credit report although I was still actively making payments and had been for the past five years. A gentleman said he would submit it to the credit bureau 's for a 3rd time as he was not understanding why it was not reflecting and that he would personally follow up with me that day. 

Later on that same day I received a call from this same gentleman letting me know that his supervisor said they could not send it to the bureaus until my 12 day late payment was made. I informed him I was not comfortable continuing to give money to a car that no longer existed on my credit and was almost paid off. 

In XXXX of XXXX I had {$16000.00} left on my loan. I made an XXXX payment. Since then, I have made my monthly payments and now as of XX/XX/XXXX have a {$5000.00} remainder on my loan. 

I then reached out to all the bureaus to seek more information And was told that chrysler capital in fact removed my car in XXXX of XXXX. They escalated this and also reached out to Chrysler and directed me too. As of today Chrysler has stated they will follow up with me and have given no reason as to why my car was removed and is not reflecting. 

I was directed to ask for a summary of payments for the last 5 years which I did receive showing that my loan is still active. I'm still making payments and I have been although. It no history is showing on my credit and chrysler is providing no assistance although they're policy is that they report every 30 days.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .XXXX  XXXX  SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..
Product: Debt collection

On XX/XX/2024 a man left a letter under our door mat at my home. I have the ring video of him leaving the letter under my door mat as well. When I got off work the following morning I was able to retrieve the letter. I called the Justice court to verify the case number and that the letter was authentic and not a scam. Once explaining to the clerk what happened, she stated that the way I was presented this letter was not the proper lawful way. The letter was a summons ( case # XXXX ) by Justice Court, XXXX XXXX XXXX XXXX, Nevada. It stated that I was being sued for a sum of {$1400.00} by LVNV Funding LLC, in which they were being represented by Attorney XXXX XXXX XXXX, for a credit card with XXXX XXXX XXXX. The problem I have is, I never had a XXXX  XXXX XXXX XXXX XXXX in that such of an amount. The most I ever had on a XXXX XXXX XXXX XXXX XXXX in my life was only {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Product: Debt collection

XXXX states this account was open XX/XX/XXXX? I never had an accoount with XXXX XXXXhey stated on the phone that it was a syncb XXXX however, the account they bought was a XXXX XXXX account. This was an original syncb walmart credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX XXXXXXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called syncb on XX/XX/XXXX the recording said XXXX balance. then I called XXXX XXXXXXXX it said XXXX balance. I called XXXX then the next time I talked to XXXX XXXX they said I needed to contact XXXX  which I did again. On the origianal crdit balance was XXXX and it was with Syncb XXXX I can not find out anything from XXXX XXXX. I requested from XXXX the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. XXXX states its a Syncb XXXX which is XXXX XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per syncb XXXX.
Product: Credit card

The relevant time period is XXXX, XXXX, XXXXThe total amount involved is {$290.00}, all of which consists of Earned Loyalty Cash Visa Rewards, which were systematically removed from my Visa account on the basis that these earned rewards were subject to arbitrary expiration despite the extraordinary, unprecedented circumstances of Covid pandemic. We requested immediate action by U.S. Bank Cardmember Service to restore our loyalty rewards. During the period in question, travel was highly restricted by governments, that is, XXXX and XXXX. These circumstances, which were truly extenuating, were particularly problematic for my wife and myself as we spend much of our time in XXXX and we were especially vulnerable to XXXX owing to our XXXX XXXX, well into our XXXX. Under these circumstances, it was only natural and reasonable for us to be distracted by the lethal unfolding events of the unprecedented pandemic rather than focusing on arbitrary expiration dates of our earned loyalty rewards. To date Cardmember Service of U. S. Bank has rejected our request for reinstatement of our earned cash rewards on the basis that " ... this is not an option for this account ''.
Product: Credit reporting or other personal consumer reports

Experian Rent Bureau should not have this on my tenant screening report. This was removed by Rent Debt Automated collection.
Product: Debt collection

I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XACTUS XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Date of inquiry XX/XX/XXXX XACTUS LLC XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XACTUS LLC XXXX XXXX XXXX XXXX, MD XXXX XXXX of inquiry. XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on XXXX credit bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan with XXXX XXXX XXXX XXXX in XXXX SD was opened in XXXX of XXXX. All of my payments are on time and I am paid ahead until XXXX of XXXX. The payments all reported as being on time until a couple of months ago when all of the previous payments on Experian switched to XXXX late payments. XXXX and XXXX still reported on time. I opened a dispute with Experian and XXXX days later they claimed it was resolved. The only thing that changed XXXX now all of the payments including XXXX and XXXX were now late. I contacted the XXXX XXXX and XXXX the branch XXXX confirmed that I had never been late. She wrote a letter stating as much and provided a detailed payment history that has been uploaded to Experian. My report is still messed up. To make matters worse as of yesterday XXXX is also reporting all of those payments as late.