23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

JP Morgan chase has arbitrarily and unlawfully decided to raise my fixed-rate mortgage from 1080.42 to 1387.12 - a 30 % increase. Further, they've shorted my tax payments to the county per the escrow dispersal - the tax coupon we received ( and JP Morgan receives as servicer of the escrow ) indicated a biannual installment of XXXX. The escrow disbursement information available from them shows they only paid XXXX. Further, they're claiming an escrow shortage, despite only servicing the loan three months, and claiming that the escrow payment needs to increase by over $ XXXX/month - an absurd increase as neither tax nor insurance has increased to any significant degree. 

I believe these " accidents '' are intentional retaliation for my original protest of them acquiring my mortgage to begin with in complaint XXXX-XXXX. Such retaliation is a violation of the Equal Credit Opportunity act as indicated in this clause : 'Moreover, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act '' ' JP Morgan Chase has refused to answer any questions or calls regarding these arbitrary increases, only providing an escrow assessment statement and automatically increasing the amount of automatic debit, without my express, implied, or written authorization. I believe this also constitutes as a fraudulent banking transaction. This behavior is not unusual for JP Morgan Chase - https : XXXX. 

All attempts to actually discuss these charges, the escrow issues, or anything other submitting a payment to JP Morgan have resulted in the call being disconnected with the representative indicating that I needed to be transferred to another department, which promptly disconnects the call. At this point, this is either negligence, or malicious retaliation for exercising my rights to file complaints about their illegitimate behavior.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically.cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected .furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

The Listed Account XXXX Account Number XXXX Appearing On My XXXX CREDIT REPORT Was Not Opened Or Initiated Ir Made By Me This Account Is The Result Of Identity Theft See The Attached Copy From The FTC IDENTITY CRIMINAL COMPLAINT # XXXX
Product: Credit card or prepaid card

I recieved a text from a number claiming the following : " BOA XXXX Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America XXXX Prepaid Card to Access your Card. XXXX : XXXX '' I do not own a BOA XXXX Prepaid Debit Card.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Prepaid card

On XX/XX/, I transferred {$3000.00} and {$1500.00} from my XXXX XXXX unemployment debit card issued out by Bank of America to my personal account, but unfortunately my bank rejected the money and they return the money back to my Bank of America debit card, so Bank of America blocked access to my debit card so I was able to reopened it after talking to Bank of America. So after the debit card was reopened, I checked my balance on my debit card and the {$3000.00} and {$1500.00} was not in my card. I contact my bank and they told me the money was returned back to my Bank of America debit card. I kept calling Bank of America to return my money bank since XXXXXXXX XXXX XXXX moment and they keep saying there's nothing they can do about it. I need your help regarding this as Bank of America is making life difficult for me and I need the money to pay bills and buy food at home.
Product: Vehicle loan or lease

This company overcharged me and did not follow the 15 USC 1605. They also added my cash downpayment onto the loan to add more money on interest.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress. 

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation. 

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.
Product: Credit reporting

Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. 
sincerely XXXX
Product: Debt collection

Tower Loan of Central XXXX XXXX XXXX XXXX, XXXX XXXX La XXXX XX/XX/year> Dear Gulfco of Louisiana, XXXX Tower Loan of Central, This letter is to formally notify you that this is to serve as my Do Not Call Request and that I have also filed complaints with the ( CFPB ) The Consumer Financial Protection Agency, The State Attorney General and the XXXX XXXX XXXX  based on your aggressive and harassing phone calls to Me XXXX XXXX, my friends and family on all different days, times and hours including weekends and including mail correspondence from your attorneys. Please stop this harassment immediately because it is my right under the FDCPA, TCPA and the FCRA to file a lawsuit in order to collect statutory damages. It is my sincere desire to eventually pay my debt at a future time when it is possible, I am certain my financial circumstances will change and will allow me to again make payments. 
Sincerely XXXX XXXX acct # Please send any future correspondence to my attorneys XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a {$3000.00} Perkins Loan that was handled through the University of XXXX by XXXX  while I attended the University of XXXX. The bill recently came due as you can see by the attached statement. It clearly shows a Date Due of XX/XX/XXXX and a Payoff Amount of : {$3000.00}. When my Father went to pay the bill on XX/XX/XXXX he was informed that the total due would be {$3000.00} as the interest started accruing on XX/XX/XXXX when the grace period ends. This is stated on the statement as well, but clearly the company miss stated the facts. One line they show Grace Period ending XX/XX/XXXX ( in extremely small print ) and then they show a payment due date a month after interest starts ( at the top of the statement in BOLD TYPE ). This is a clear deception. Why not just say the invoice is due on XX/XX/XXXX instead of XX/XX/XXXX? The only reason is to start charging interest before the they state the bill is due/ I asked them to remove the {$12.00} and they refused. I realize this is only {$12.00} to one student, but multiply the number of students who pay off their loan in full by XXXX XXXX and it adds up to an extra income to XXXX of {$12.00} million dollars. Multiply the extra months interest by the number of loans they write and collect and XXXX   could be making 10 's of millions in extra interest that no one really knows they are charging. I also want to point out that just saying the grace period ends on XX/XX/XXXX does not mean they immediately start charging interest if the 1st payment is on due until XX/XX/XXXX. Their deliberate confusion is a money making proposition for XXXX.
Product: Credit reporting or other personal consumer reports

I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character
Product: Mortgage

Fay servicing did not pay my home owners insurance policy. XXXX XXXX has been sending them the bill since XX/XX/XXXX with a due date of XX/XX/XXXX. Fay servicing is noted as the bill to for this account. On XX/XX/XXXX I received notice from XXXX that my insurance coverage will lapse if they do not receive payment. I immediately contacted my insurance broker XXXX XXXX from XXXX to see what was going on. She then worked diligently to get this resolved. She email, faxed and spoke to several agents at Fay servicing whom all stated it was their mistake and payment would be made right away. Day after day they said they would over night the check and nothing would happen. When I logged into my account it said they sent the money XX/XX/XXXX, but they couldn't provide any tracking when requested. Finally on XX/XX/XXXX I received a call from XXXX XXXX stating that Fay servicing had sent the check to her in her name. XXXX is NOT who is listed as the payee on the invoice and they were told several times in writing where to send the check and who it's to be made out to. I contacted XXXX and now at this time they will not re-instate my insurance due to non-payment. I contacted Fay servicing and was told there are no managers I can speak with and no one in any department has a contact number that can help me. They stated I now have to wait XXXX business days for them to cancel that check and re-issue another one. They can't even re-issue it because XXXX won't take it at this point. I have written to them to request my account be a non-escrow account and I will pay for my own insurance and I'm currently waiting for a reply. I have already contacted another insurance company and have paid in full to bind my policy. Fay servicing is now holding my escrow illegally and collecting interest.
Product: Debt collection

Wells Fargo has sued me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX XXXX, and XXXX forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines. They offered to settle in 2019 for XXXX, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for XXXX  which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of XXXX or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX XXXX XXXX XXXX XXXX XXXX  relocations in 1.5 years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion during covid that this bank and lawyer have shown is inexcusable and this case should be thrown completely out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting an incorrect coding of the XXXX   XXXX  XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an XXXX. ( Please see pages 18,  19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I recently contacted Capital One to address a debt that was incorrectly attributed to me. Despite my efforts to resolve this issue, the debt remains on my credit report, and it is impacting my financial standing. I have provided the necessary documentation to prove that the debt does not belong to me and have requested that the company promptly correct this error.
Product: Credit reporting

I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. 
The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : XXXX, Equifax, and XXXX. The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. XXXX deleted the Chapter XXXX, but verified the Chapter XXXX as accurate. Both Equifax and XXXX verified both as accurate. No one sent me the MOV. On XX/XX/XXXX, I requested the MOV once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the MOV matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. Equifax and XXXX verified as accurate, while XXXX never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.
Product: Debt collection

Zwicker & Assocites in New Jersey are debt collection company. That buys debts from credit card companies and sues people telling them the credit card company hired them. Which is false. They buy the debt. They are calling my husband at work harassing him for money and information when the credit card is in my name not his .. they attached two different credit card agreements with two different last names to the summons. Every time we tell them not to call they call back with another number and texting me. They have over XXXX complaints on XXXX. Also the number they used to file the summons was not in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Experian, XXXX, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against Experian, XXXX, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA. 
Sending Stall Letters : I have received multiple stall letters from Experian, XXXX, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that Experian, XXXX, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that Experian, XXXX, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Hello, I had a Volvo SUV that was repossessed in XXXX of XXXX. My automatic payments had stopped ( no one could explain why ) and the mail that Volvo Financial was sending to my apartment was not being received as I had moved.

In either event, after many many hours on the phone with Volvo Financial, I was able to get the car back. I kept the car for the remainder of the lease, paid off the rest of the least and handed the car back to Volvo at the end of the lease term in XX/XX/XXXX. 

The car was paid off and returned to the dealership. There was no further incident. But my credit score continues to reflect an outstanding bill to Volvo Financial.
Product: Mortgage

Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ) On XXXX XXXX XXXX, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period XXXX XXXX through XXXX XXXX. The Final Escrow Account Statement was dated XXXX XXXX XXXX. 

The Final Escrow Disclosure Statement does not reflect our scheduled XXXX XXXX, XXXX payment that was accepted and deposited by RCS on XXXX XXXX XXXX. This payment was processed by RCS before servicing transferred to XXXX XXXX XXXX. 

The correct ending escrow balance is {$2800.00} not/not {$2400.00}. 

Servicing of our loan transferred from RCS to XXXX XXXX XXXX on XXXX XXXX XXXX. RCS transferred an escrow balance of {$2400.00} to XXXX. They failed to transfer the {$430.00} that was accepted and deposited by RCS on XXXX XXXX XXXX. The correct amount of escrow that should have been transferred to XXXX XXXX is {$2800.00}