23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by {$300.00}. We were given the option to pay the shortage and have a lower payment amount of approximately {$1000.00}. We agreed and paid {$3300.00} XX/XX/XXXX to cover the shortage amount. XX/XX/XXXX, we received another letter from LoanCare stating that there is another escrow shortage in the amount of {$480.00}, and our payment for the next 12 months will be {$1100.00}. Our monthly escrow payment is {$360.00}. As per RESPA, the maximum amount allowed as a cushion in escrow would be {$720.00}. The statement shows an escrow balance of {$860.00}, but they are requiring even more. They require that we have {$1300.00} in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid XX/XX/XXXX payment, and will be making XX/XX/XXXX very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.
Product: Debt collection

For the last year I have received over 100s of calls from Portfolio recovery ( the collection company who bought the debt ). They continue to call me from a multitude of phone numbers.In 2021 I disputed the account with XXXX and requested that they validate the debt. XXXX XXXX XXXX  never sent me documents verifying the debt they just sent an email saying that the company verified the debt, but I was never able to view the documents to validate the debt for myself. Furthermore, the debt has continued to report even though it is over 7 years old, and without me having the documents to verify I owe the debt which I rightfully believe I do not owe this debt, under perjury of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account in collections on my credit starting XX/XX/XXXX. I had several other things as well. I went through bankruptcy and completed the filing and process of that in XX/XX/XXXX. Everything including the XXXX XXXX was supposed to be off my credit report as it was in with my bankruptcy. They never took it off and even with a dispute experien says it will remain. Granted I only have a few more months for it to be 7 years and will be off my credit, it should of been off 5 years ago. After bankruptcy Im supposed to have a clean slate and Ive worked hard for a good score.
Product: Bank account or service

I have XXXX pay day loans that I believe are illegal. I have tried to revoke ACH, but it continues. I went to my local TD Bank on XXXX XXXX, and was told there was nothing I could do to revoke ACH, and the withdrawals have continued. 
The loans do not tell me how to stop ACH Authorization or automatic withdrawals. 
I have had difficulty reviewing the loan document sent, the link is no longer active. I actually have to log in online to review, and the document is no the original, but a new loan they renew weekly. 

I am hurting financially, close to being evicted. I 'm paying almost {$600.00} a month, for XXXX loan of XXXX, since XX/XX/XXXX, and another for {$300.00} since XX/XX/XXXX. They never go down. The payday lenders will not stop withdrawals, the bank continues to allow withdrawal after I asked then to stop.
Product: Credit card or prepaid card

While checking my credit card statement on Chase 's website I saw an offer off to the side from chase stating that you can earn {$75.00} back when you make two transactions of at least {$37.00} with XXXX wireless using my credit card. 

I went to XXXX XXXX website via the website link on the offer " XXXX '' and made two qualifying purchases. 1 transaction for a XXXXXXXX XXXX XXXX  for {$39.00} before tax. 2nd transaction for an XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX {$38.00} before tax. 

The terms also stated that " It is possible that a merchant may split your purchase into multiple transactions. In this case you may only receive your statement credit on the first transaction amount. If this occurs, please call the number on the back of your card '' Sure enough XXXX split the 2nd transaction into two shipments. One shipment for the headphone adapter cable and at a later date another shipment for the air tag. Charging the credit card as items from the order shipped. 

I figured no big deal the terms said if this happens to call the number on the card to get it straightened out. So when a letter in the mail came that stated : " Since there was only one purchase from XXXX XXXX XXXX in the amount of {$43.00} on XX/XX/2021 if did not qualify for the offer '' So I called on XX/XX/2021 @ XXXX and an agent said they understand and will submit a request to review and should get a response from chase. 

I get a response in the mail XX/XX/2021 that again chase has denied the promotion because the terms were not met. 

I call and speak to 3 different managers. 1st says unfortunately there is nothing she can do because once marketing makes a decision it is final. 2nd Manager hangs up the call after answering. 3rd manager : Decision final, even if they are wrong, she is very sorry though I'm XXXX out of luck. No way to complain, no escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd submitting a dispute request via the CFPB about XXXX  and Equifax simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of 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, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX  : XXXX has violated my rights. 



I looked at my XXXX, XXXX, and Equifax credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the 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- ( 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} Experian is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.
Product: Vehicle loan or lease

I, XXXX XXXX and natural person, was denied credit by CAPITAL ONE when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information involving a $ XXXX fine and possible jail time in order to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit, when a car loan is really an installment agreement and doesn't exist as a car loan in consumer law. They also aligned themselves with the dealer in trying to make give them a down payment when its a consumer credit transaction involving a " finance charge '' and thats breaking the law 15 U.S.C 1605 ( " The finance charge does not include charges of a type payable in a comparable cash transaction ). 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE 15 U.S.C 1602 ( p ). Theres no way it makes sense to refuse an auto loan, when nothing is loaned out to begin with. Credits are extracted instead, while called a loan just for a lender to purchase a contract to receive a vehicle that's aleady paid for by credits taken from the applicant but in turn wants to receive payment from that same applicant who those credits were taken from in the first place. So, who's really committing fraud, pretending to be a creditor?
Product: Debt collection

A company called Account Control Technology , Inc ( XXXX ) has been calling family members, acquaintances and friends saying they have " time sensitive information '' and must reach me right away. They are calling the children of family members as well. In many cases they are calling these family members at work. Yesterday they called my cousin at work and listed off by name every member of our family and said they would continue to call until they reached me. My contact information has not changed in 19 years. This is not a strategy to reach me directly this is merely a tactic to attempt to cause embarrassment and work related issues.

They refuse to give the name of the company. We found the name of the company by reversing the phone number. Many of these calls have been recorded because they are on work lines.

My attorney advised me to submit this complaint prior to taking any additional action.

This company DOES NOT have my permission to contact any family member, friend, or acquaintance by either phone, direct mail or electronic communication. Any additional attempts will result in legal action.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, 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 The debt that is being reported on my consumer report is only on XXXX, the credit reporting agency has failed to report accurate and complete credit information.
Product: Credit card or prepaid card

Misleading Ad on XXXX website leading to rejection and detrimental effect on my credit score - SPECIAL OFFER FOR YOU IS DECEPTIVE AND IMPLIES A HIGHER CHANCE OF ACCEPTANCE. 

Link on XXXX website was accessed on XXXX. It clearly stated " Special Offer for you. '' I have the XXXX store credit card so my thought was that my good history with that card may have been shared to generate this special offer. Also admonishes that if you leave the webpage, the offer may be rescinded or inaccessible. 

Called the AMEX number on the digital rejection letter. Transferred twice, spoke to three total people. The second agent said the third agent would be asking for my SSN to pull up the details.The third agent did not ask for my SSN.He just kept repeating that I had read the terms and conditions of the cardholder 's agreement. He would not acknowledge my concern of deceptive advertising which I felt was akin to a pre approved offer or at the very least there was a high chance of acceptance. This was for the AMEX XXXX XXXX XXXX Card with extra perks for shopping on XXXX with attractive terms. My score is right around the 700 mark. Then called XXXX and she had absolutely no process in place to escalate the complaint. FInally I did email Manager-XXXX and essentially gave a condensed version of what I am detailing in this complaint. This hard inquiry will last two years and current creditors with whom I am good standing with may see this and I risk account closures and/or unfavorable interest rate adjustments. I would like this removed from the credit file so that I do not have this liability for the next two years. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.
Product: Credit reporting

Equifax is reporting XXXX accounts on my credit report, refusing after XXXX written request for investigations to remove, and in violation of the FCRA, reporting information that has n't been updated by the creditor, so the true status is n't known or sought. The specific accounts are XXXX XXXX XXXX with account no. XXXX, and XXXX with account number XXXX to include XXXX inquiries that were obtained not with accurate information. To wit, if someone knows the name, and address of a person, and creates a social security number not the consumer, the actual credit report of that consumer will be visible, illustrating the actual social security number as well. This was done XXXX individual times on my credit report. In addition the aforementioned accounts have n't been updated in over XXXX months, and the credit reporting agency is acting as the creditor, which is against the FCRA
Product: Vehicle loan or lease

This is an unbelievable story and its why as a consumer, it is paramount you have all the conditions of a loan and/or lease at time of signing the documents. To make a long story shorter when getting a lease car at XXXX XXXX XXXX XXXX, I was told to just get the lease started and then if I can find someone to co-sign at any point the lease terms would be much better because I had been the victim of identity theft and I'm still struggling to repair my credit score. Turns out that was a total lie by the salesman and also the manager XXXX. 

They were both lying and drove off in a car I couldn't afford because I thought I was going to be able to have my XXXX co sign the next day, which would have changed the monthly payments from {$430.00} to {$250.00}. I had been to the dealer 4 times that week and I was tired and foolishly I believed them. 

To make matters worse I had to leave my job because I was diagnosed with XXXX  and had to start XXXX treatment at XXXX XXXX XXXX immediately. This really put me in a jam because going into this mess I was repairing my credit from identity theft and am up to date on my car lease now. Even though I made the lease agreement under false pretense 's I received a grant from a local XXXX foundation, and have paid my lease up to date. 

Unfortunately, I have called GM probably 50 times, they wont change the terms of my lease, and they wont update my credit report to say I paid in full. Please help me, I need my credit to reflect the truth which is that I am on time. Please help ASAP, I am going for an apartment in a special XXXX center and they will run my credit and it needs to be perfect. Thank you and XXXX bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

After entering all my correct identifying information ( DOB, SS #, address, Experian PIN ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.
Product: Mortgage

Hello, I am an XXXX XXXX XXXX XXXX member XXXX  in Louisiana. I contacted my mortgage company PHH Mortgage on XXXX XX/XX/2024. I sent them a letter through email explaining that I am an XXXX XXXX Military member XXXX  in Louisiana and based on Louisiana statue should qualify for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to lower my interest rate. I was denied this request. The representative told me The XXXX only applies to loans taken before XXXX. I explained that in Louisiana it can apply after as well. The answer was still no. 

Can you assist with this? 

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

I am filing a complaint about Paypal 's negligence in managing a series of fraudulent transactions. 

For background, I have my XXXX checking account linked to my Paypal account, and XXXX fraudulent transactions were made out of my Paypal account, and credited to a bank account at XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$130.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$200.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XXXX parts -- Part XXXX on XX/XX/XXXX ) Debit out of my XXXX securities account for {$500.00} > into my Paypal account ( credited XX/XX/XXXX ). Part XXXX on XX/XX/XXXX ) Debit out of my paypal for {$500.00} > into XXXX ( account ending in XXXX ) ... .to be credited XX/XX/XXXX. I even told them on XX/XX/XXXX that the " fraudster/originator '' has already debited fraudulently twice before and they will certainly try to transfer the {$500.00} as soon as it comes in and to PLEASE STOP ALL PAYMENTS OUT OF MY ACCOUNT. And they told me " well, sir, you could transfer those funds back to XXXX before the fraudster does '' ... .and then recommended I setup XXXX authentication. They didn't understand that whoever this fraudster is has access been able to transfer funds out EVEN after I change my password, which means they have hacked my phone. It's the only way someone would be able to debit an account that way. 

I called XXXX so they could stop the payment ( and reverse the original XXXX payments ) and they said they could not help me because they would need the originator 's information ( bank account number full XXXX digits not just the last XXXX ). Paypal will not give me the information I already asked for. 

I also called XXXX and they washed their hands of any responsibility. I asked them to recall the funds with a letter of indemnity and they told me Paypal has to initiate any fraud investigation and resolve it. 

I then called PayPal XXXX to ask why they let another debit go out and to stop the payment ... and they said they couldn't. I asked ( via their message center on the PayPal app ) for them to claw back all three transactions, otherwise to give me the transaction information including bank account information so I can send it to XXXX, but have not responded to me with any information I requested and have not reached out to any of the other institutions to try to resolve the issue. They haven't even called me back to follow up on the matter, and have not responded to the messages I've sent through their message center. 

As of right now, there is a total of {$830.00} being fraudulently held at XXXX and no one is helping me. It's why I filed this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ive filed multiple disputes requesting deletion of this account and for form 1099c. This account is currently reporting as charge off to my credit file. The way charge off is understood is an accounting event has taken place on the account. Under Equifax FAQ they define charge off. 
-A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
So what accounting event has taken place with this account? XXXX is reporting as a charge off but has yet to state in any company responses what accounting event has taken place. So since the company has not complied with my demands Ive submitted a tax fraud referral to the IRS regarding this account. The case reference number is XXXX. Ive submitted all disputes to the IRS requesting form 1099c. Im also requesting the public and private accounting records. I will also submit this complaint to the XXXX  and the state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureau, After receiving a copy of my credit report with your company, I noticed some discrepancies concerning my personal information reporting. I would like to ask that you update the information provided by myself. I have provided as much information relating to my name, address, social security number. If for some reason, they are reporting anything different, that would mean it is reporting inaccurate and untruthful information and that would be violations of the FCRA. 
I know that you are required per the FCRA to record and report only accurate and up to date information in honor to be truthful. I would need you to correct any erroneous information that is not verified. 
Please have this information updated and corrected ASAP. Here is the information that should be reporting : XXXX XXXX. 
XXXX XXXX XXXX XXXX Virginia XXXX. 
My Social Security Number is XXXX My DOB is XXXX. 
For security reasons since my phone number is unpublished and private, I ask that you do not report my telephone number due to all these marketing and sales calls which are very annoying to say the least. 
Please mail me an updated credit report to the correct address listed within this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and Ive been reported as a XXXX XXXX victim for the past XXXX  years
Product: Credit reporting or other personal consumer reports

I have included a police report number XXXX bage # pc. XXXX for XXXXXXXX XXXX  these accounts are not mine please remove