23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service.
Product: Mortgage

The mortgage company said my escrow was short and they had to bill me more, I filed a complaint saying it was wrong, they answer the complaint with consumer finance government saying they was correct and I was wrong, consumer finance closed out the investigation saying they answered. However a month later mortgage company came back after I have been paying increased amount because of the escrow shortage which it never was to say my escrow was a surplus and too much was paid by their calculations. Now they are saying I am storage again for the last 90 days my mortgage has increased. They are stealing or misapplying monies
Product: Credit reporting or other personal consumer reports

Writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employers information and full or partial SSNs in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employer data and SSNs, must be safeguarded and not shared without proper consent.

Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employer and SSN information fall under protected data categories that require stringent compliance standards.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX CT XXXX, GA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The address reported was never an address of mines, in addition I never gave Santander any written consent to share any of my personal information with any agency.
Product: Credit reporting or other personal consumer reports

3rd ATTEMPT : disputing again because a XXXX rep canceled my previous dispute with my attached documents when I asked them not to because I did not want to rest the dispute process with the attached documents so I am sending them again I am again disputing this XX/XX/year> late payment that is reporting on my credit report. They changed the reporting status multiple times on my credit report, it was reporting on time at first and I will be attaching a copy of that with this dispute. My consumer rights are being violated and my information is not being reported accurately. 15 U.S.C. 1681s2 Requires that information provided to consumer reporting agencies be accurate. It prohibits providing inaccurate information, or providing information after being notified that it is inaccurate. And the late payment in XX/XX/year> with XXXX XXXX XXXX was reported late and that is inaccurate information I was NEVER LATE. Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit.I was never notified about any XX/XX/year> late payment or any late payment at all. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. XXXX is VIOLATING MY CONSUMER RIGHTS they CAN NOT guaranteed accuracy and is reporting false misrepresenting information on credit and keep changing the information and dates on the same account Thanks kindly
Product: Debt collection

Equifax reported this on my credit report XX/XX/XXXX I never received notice from this company XXXX of rights to dispute which is against the law. This delinquency was first reported on XX/XX/XXXX by law it is supposed to be deleted after the first date of delinquency 7 years later. Instead they newly reported it to my credit report. Since disputing this item the company has reported this item every month in spite. Which is against the law and harrasment.
Product: Credit card

Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$790.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXXXXXX ) due to inadequate customer service and unfair practices, which violate the Customers 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 error resolution requirements under the Electronic Fraud Protection Act ( EFPA ) and Relegation E. These actions have caused significant inconvenience and financial loss, Id like to seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with Enhanced Recovery. They did not provide me with the original contract or signatures. I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, 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. XXXX  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Debt collection

XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me I have attempted to write several letters since XX/XX/2020 to this company, and for some reason my certified return receipt letters would mysteriously disappear and never come back to me confirmed with the United States Post Office . 
I then sent my dispute letter to them on XX/XX/2020 via XXXX. Per XXXX, my dispute letter was received by Credit Bureau Associates on XX/XX/2020 at XXXX and signed by an individual named XXXX . I have attached evidence of this, along with the dispute letter I last sent them in where I requested they attach copies of any agreement with them that grants them the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, or authorization under subtitle D of the ARRA, SEC 13401. Application of security provisions and penalties to business associates of covered entities ; and SEC. 13407 ( 1 ) Breach of Security. By breach of security, I meant in respect to unsecured PHI ( PHR ) and where did I sign a waiver to my HIPPA rights. As of today, they have yet to send me this information. This is damaging my credit worthiness.
Product: Credit card

I have a credit balance with American Express and have reviewed my cardholder agreement. It does not specify that a refund be conveyed in a particular way ( Ie : check, wire transfer ). 
I requested that I be directed to where it states that it will take ( 7 ) business days to receive my refund and they are refusing to provide the information, expedite the process or allow me to speak to another department with regard to the processing. This refund is in excess of {$3000.00}. While AMEX has written documentation concerning payment, the representative could not direct me to any language that defines how refunds or credit balance are handled. The information provided by the rep kept vacillating stating that it was " processed '' " check with my bank '' to they can not " expedite the process '' to " any other rep of AMEX will tell me the same thing ''.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I request that this item ( XXXX XXXX  XXXX ACCT. NO. XXXX ) be deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim to it's data breach and Equifax has done nothing. Please help me delete this illegally account from my credit report. XXXX has already removed this illegal acct. 

My Equifax claim number for this data breach is : XXXX My XXXX  engagement number that was given to me by Equifax is XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} - ChargeoffXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2000.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed- XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed - XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Regular letter XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} - Late/Open- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$680.00} - Late/Open- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$470.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX
Product: Mortgage

The payments have increased from roughly {$3400.00} to {$6300.00} Mechanics Bank has filed a default against my property a month ago. 

I inherited the property in XXXX. 
There is over {>= $1,000,000} In equity and I only owe {$2500

00.00}. I need to refinance and due to the unique property. I tried this past two wee
ks to get it refinanced. I was denied... the lenders are confused because i have a XXXX XXXX  here. Which is my XXXX... plus I live here. They can't figure out if it's commercial or residential. 
There are two homes on the property and because the XXXX XXXX is a little bigger than the main house they said they could not help me get a new loan. 

I'm a single mom with XXXX kids ... with no help.ive lived here since XXXX. 
I grossed {$93000.00} in XXXX and XXXX. 

I can easily afford to pay a mortgage on a new loan... but no one will help me. 

What do I do?
Product: Money transfer, virtual currency, or money service

EMAILS REQUESTING RESOLUTION OF FUNDS HELD ISSUE : Account status XXXX Re Account status Ticket ID XXXX Re We have received your request Ticket ID XXXX Re why was my transfer denied Ticket ID XXXX Reminder Remove account hold to permit transfer of XXXXXXXX XXXX XXXX  Verification of email XXXXXXXX Why is this XXXX
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

i have recently opened a credit card with CITI CARDS DOUBLE CASH BACK, that being said i have had the card for only a short period of time and every single time i use that card my account gets flagged through XXXX XXXX and right away gets flagged for fraud, i have been dealing with this problem for the past 2 months and it has been awful! ... i have to keep calling the fraud dept everytime i use the card to verify my transactions then they unlock the card then they tell me that im not going to have these issiues anymore then next thing you know i get flagged again and again and again, now this is the 3rd time my card has been suspended, because citi fraud dept wants to send a letter to my house for the 3rd time with a pin number to verify that it is indeed me that has this card and everything is correct on the account! ... i have pleaded with citi bank over 50 t times within the past 2 months to please fix this issue, and they have failed so, when they keep telling me that they have resolved the problem and moving forward i will not have any problems. and now currently my card is suspended, last week i went to go take my daughter to collage and i have told citi cards to please put a travel notification and to please not to freeze or suspend my card when im traveling and they have assured me that they was not going to, then the worst has happened!!!!!!!. they actully suspeneded my whole account until i receive another letter with a pin number in the mail to verify my account!. i pleaded till i was blue in the face and they have refused to help me in this matter, i had to call my sister to XXXX me {$2000.00} so i can book my air bnb through my debit card this was the worst experiance in my life that i ever had to go through!. i am asking the cfpb to please step in and get involved to help me in this sitiution please. this issuie needs to be resolved!