23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.
Product: Debt collection

Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( FICO ) - XXXX and Equifax are incorrectly calculating and reporting my credit score. I was told I have a " split '' Equifax file where when FICO runs an algorithm to determine my score sometimes FICO sends all information in my report and other times sends partial information. This inconsistency causes fluctuation in my score of more than 100 points monthly making it an unreliable and incorrect indicator of my credit profile and harming my consumer profile with creditors. Both companies are aware of this yet nothing has been done to address or fix the problem.
Product: Debt collection

I am requesting debt validation for two collection account Revenue Group place on my credit report in XX/XX/2020. I am disputing this debt and would like debt validation to prove this debt belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX EMPLOYEES : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days 2 FCRA violations : inquires not mine XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022
Product: Credit card

I have consistently made timely payments on this account and never let them become overdue. I am unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing. 
I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 

The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness. 

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX  XXXX XXXX Balance : {$390.00}.
Product: Debt collection

they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.
Product: Credit card or prepaid card

I don't know what happened but Chase Bank closed my accounts 2 business credit cards and 4 personal credit cards for no reason. I never miss any payment. Always pay off full balance on time. I had two fraudulent charges on my business card, I dispute but failed. Then my business cards were close. After couple weeks then my all personal credit cards were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I certified mailed with return receipt, 3 dispu

tes to 3 credit reporting agencies . I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies. I was never notified via mail or email that my disputes were seen or heard. This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively paying on!!!! Please help me uphold these companies to the standards they have set!! I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Product: Debt collection

Received email notification of debt collection for an account that was closed on eharmony.com on XX/XX/year> while expiration of previous account cycle was on XX/XX/year>. Email notification from RFGI requested {$430.00} be paid in full while original price was {$250.00}. Requested paper copy of validation of debt on XX/XX/year> but have not received any communication from company. Account was closed and billing and account information was deleted prior to subscription renewal date.
Product: Credit card or prepaid card

On XX/XX/2018, I purchased a dress online from XXXX for {$120.00} The merchant was discriminating against me in returning the item, theyve wanted to offer me a discount instead of me returning the dress, theyre trying to borrow time, I replied to the merchant that the dress doesnt fit me because it has built in bra these is not noted on the website during purchase. 

I returned the dress as the address provided by the merchant. 

XXXX  failed to protect my rights as a credit card holder under the applicable law. 

Please see copy of postal receipt included with this letter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They sent me a letter i received with the date of XX/XX/2018 and i received it on XX/XX/2018. On the letter stated I needed to contact them within 30 days but even through I debt via mail the same day they continued to collect. The same day I sent a letter via certified mail with return receipt stating that the debt doesn't belong to me and I advised that they not continue collecting. The debt collector never sent me validation of debt and I'm now seeking litigation for them violating the FDCPA subject to XXXX. If this debt isn't removed with 5 days, I will be seeking damages through XXXX courts for not only this collector but the other collector who they brought this debt from. Stop violating the FDCPA rules and do things the correct way. Now litigation is being seeked. You have 5 days to remove from my report, even after you violated my rights to dispute with 30 days. You collector really don't care. People aren't going to pay on debts they don't owe. I've been harassed even after I asked you not to, I had enough. Again stop trying to collect on an accounts that doesn't belong to a person. original letters will be shown at court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

XXXX was filed by XXXX XXXX XXXX, XX/XX/2016 that should have discharged the private loans. There were student loans in the amount of {$150000.00} that should have been discharged.
Product: Checking or savings account

Subject : Urgent Assistance Required for Fraudulent Activity Involving Chase Bank Details of the Incident : On XX/XX/2024, I received a call on my personal cell phone from what appeared to be a legitimate Chase Bank phone number. The caller identified himself as a Chase representative and inquired about recent wire transfers on my account ending in # XXXX. He even mentioned the exact balance in my checking account. When I confirmed that no such transfers had been made, he claimed someone was attempting fraudulent wire transfers and insinuated it was an inside job. 
The caller then stated that he needed to investigate further and would contact me shortly. Before hanging up, he explicitly instructed me not to discuss the matter with anyone.

Approximately ten minutes later, he called back. He directed me to withdraw {$6500.00} from a specific branch and deposit the funds into a different branch, emphasizing that I should not inform any bank employees due to the alleged inside job. 
To ensure legitimacy, my husband called the number the individual was using, and it matched an official Chase Bank number.

The caller proceeded to set up a Chase wallet card in our name and instructed us to deposit the withdrawn cash into the Chase ATM under this new cards account. Trusting the situation, we followed his instructions. Within minutes of completing the transaction, both the money and the card disappeared.

Later that day, the caller contacted us again. While I kept him on the phone, we returned to the bank branch, hoping they could identify the individual or trace his identity. Instead, the branch manager took the phone, told the caller he was a scammer, and abruptly hung up.

Current Situation : Chase Bank has refused to assist us in recovering our lost funds. From my research, this type of fraudulent activity has occurred with Chase Bank multiple times. Despite their knowledge of these schemes, the bank has offered no resolution or support. 
Request for Assistance : We are seeking urgent help to : 1.Investigate this incident and hold Chase Bank accountable for their inaction.

2.Recover the {$6500.00} stolen from our account.

3.Address the repeated nature of these scams involving Chase to prevent further victims. 
This fraudulent activity has caused significant financial and emotional stress. We are requesting that the CFPB intervene to ensure accountability and resolution.

We have contacted Chase Executive Office. They have been unwilling to help.
Product: Payday loan, title loan, or personal loan

One month ago I contacted green sky requesting a deferral due to COVID19 given my hours were cut at work. I was told I had a 3 month deferral. 5 days past the first payment that was not made ( 1st month of the deferred months ), I received a collection call. I reiterated that I was told I had a three month deferral and offered to pay as I did not want my credit to be negatively affected. I was assured that nothing is reported to the credit agencies until a loan is 30 days past due. A week after that call I get multiple collection calls, two in the same day. I have the same conversation and am assured that nothing is being reported. Yesterday, one month after the initial call I receive a letter in the mail  confirming the deferral. This morning at XXXX I received a call from Greensky yet again. I have excellent credit ( XXXX  rating ) and do not want to associate with a company that has a complete disrespect for its customers during a pandemic and no internal tracking of the conversations taking place. I have since set up the loan to be paid in full so I do not have to interact with this company ever again.
Product: Credit card

My wallet was lost in XX/XX/XXXX. I was monitoring my credit cards but I continued to make payments to the card without any charges. For the last two months I have been requesting a new card ; however, I never received one. When I called today XX/XX/XXXX, I was told the account was closed. When I inquired why, I have been giving three different answers : first, they stated I closed the account ; incorrect ; second, the bank closed the account after a review, incorrect and third-the account was closed because I never received the requested cards. To reopen the account they have to run a new report which affects my credit. Which I told them Im current on the account and I never closed the account
Product: Credit card

I noticed unauthorized charges on my Wellsfargo credit card when I logged in to my online banking app to make a monthly payment on XX/XX/XXXX. I immediately froze the card and notified Wellsfargo on the phone. The unauthorized transactions were from eight different stores in the amount of {$700.00}. The customer representative said a new card will be sent and they will launch an investigation and I am only expected to pay what I owe during the month of XXXX. I paid my legitimate transactions accordingly. A week after, however, I saw the unauthorized transactions posted on my account again. I contacted wellsfargo and they said those are authorized. I expressly explained that I never went to those stores nor authorized someone else to use my credit card. The fact of the matter is I still have the credit card set to be expired on XX/XX/XXXX and they claimed that they have shipped me a new one on XX/XX/XXXX, which I never received. Those unauthorized transactions occured on XX/XX/XXXX, XXXX and XXXX relaunched the investigation and denied my dispute once again and the whole process took more than a month. 
Adding insult to an injury, I am being charged interest on an amount that I never done nor authorized.
Product: Credit card or prepaid card

I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.
Product: Credit card or prepaid card

I received a referral from a friend for the American Express XXXX XXXX XXXX card, which offered XXXX miles if you spent {$1000.00} in the first 3 months and have never received a bonus on the card ( I have not XXXX. In short, I did n't get the bonus - but they have admitted to me that it is indeed owed to me but nobody is able to make the adjustment. I followed their process, but it has now been like 4 months with multiple deadlines passed that they gave me for resolution. I waited the first XXXX weeks for the bonus to post, it never did. I contacted them to open a case to research, which they told me would be XXXX weeks. The result of that is they closed it and admitted I fulfilled the offer, however they identified a large number of accounts that the bonus failed to post to. They told me it would be resolved in XXXX days. That deadline was earlier this week. When I contacted them, they said they are n't sure why I did n't get it but would open up another case and I would know more in XXXX weeks. I would like your help to get these bonuses paid out, for myself and everyone else. Waiting XXXX months is not right when they have admitted that they owe them to me.
Product: Checking or savings account

I sent a chat message to Citi on XX/XX/2020 asking them to close my account. the customer service rep confirmed they had closed my account ( it was at {$0.00} balance ). Now its 3 months later and I get an email saying my account is negative {$96.00} from overdraft and monthly bank fees.
Product: Mortgage

The loss mitigation company is dragging out the process to resolve the issue. I know they will assign someone to go through and look at their logs to confirm everything so I'm not going to waste my time entering dates in detail. On XX/XX/ they said it would be 30 business days to get the final loan paperwork to us for the modification. The week prior to XXXX XXXX, they said documents would be sent on the XXXX, however, I called back around the XXXX and they had not. They just make excuses that it's being processed and it takes longer some time. As they have the entire time when waiting on them. Now I'm making payments through their automated payment method and it's costing me money waiting on them. I can't make a payment through my bank because it doesn't reflect in the system. I can't mail a payment because I don't trust it will make it. Dovenmuhle has sent time-sensitive documents that show up well after the action date on the document. I just want them to get it done, and move on with my life.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX payment to XXXX XXXX was made perfectly on time XXXX ( due XXXX ) and yet I was assessed a {$30.00} late fee on XXXX. They have rectified this after 3 phone calls. I am still concerned that my XXXX payment is only visible online in their system under the " Transactions '' tab but it is not reflected on my Statement... anywhere. Their excuse was a " system update ''. I am concerned that this could have happened to many more people and the CC company is raking in extra cash for bogus late payment fees. It is very sketchy that my XXXX payment is not reflected on my statement anywhere. I felt the authorities should know about this sketchy circumstance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent accounts reporting to my consumer report is not mine. I attached my ftc report, also FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand these account be blocked from my XXXX, TransUnion, and XXXX within 4 days of receiving this complaint. 


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