23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Received mortgage statement with additional fees, supposedly for an escrow account. I never authorized or requested an escrow account be started. I have always ( since having the loan for last XXXX years ) paid my insurance and property taxes as direct pay/out of pocket. 

XX/XX/XXXX Paid my mortgage, less the escrow fees attached. 
My mortgage payment has not been applied towards my balance and sits in the account as " unapplied. '' I have called on at least XXXX occasions and spoken with customer service in escrow department and insurance department, requesting that the account be deleted and corrections on my mortgage be made ( including the refund of late fees being charged. ) Insurance department stated that they needed proof my insurance was paid in full, which I provided. I changed from XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX, but did so while I was still covered by XXXX XXXX, so there was never any lapse of coverage. Insurance department at NewRez stated that they had everything they needed. 
I've spoken numerous times and followed up with emails and letters to the escrow department as they stated they would do an escrow analysis and send us the findings. This was to be done in XXXX when I first started complaining. According to NewRez, they opened an analysis on XX/XX/XXXX but we've also been told it was started on XX/XX/XXXX. I can not get anywhere with the individuals I speak with on the phone- everyone giving me different information and not once have I received follow-up written communication from NewRez. I only receive threats of foreclosure, statements stating that I am deliquent, etc, etc. I am ready to hire an attorney, but I've been advised to go this route first. I've been told by legal counsel that NewRez can not open an escrow account without my authorization. I do not need any escrow account. My insurance agent stated that in XX/XX/XXXX, NewRez contacted him and told him to switch my account to mortgagee paid. This was done without my authorization. And my insurance and taxes had already been paid in full in XX/XX/XXXX so there was no need. I need help.
Product: Checking or savings account

On XX/XX/year>, I spoke with a banker at Chase 's XXXX XXXX branch regarding their advertised {$300.00} bonus for opening a new checking account and setting up direct deposit within 90 days. I specifically inquired if my tax refund would qualify as a direct deposit and was assured it would. Based on this information, and the online advertisement stating " {$300.00} bonus when you open a new Chase Total Checking account and set up direct deposit, '' with no further stipulations or references to promotional terms, I opened a Chase Total Checking account online on XX/XX/year>. 
I received my IRS direct deposit of {$1500.00} on XX/XX/year>, well within the 90-day timeframe. However, Chase has refused to provide the {$300.00} bonus, claiming that tax refunds do not qualify as " government benefits, '' a term found in their detailed promotional terms and conditions not referenced in the initial advertisement. 
This refusal is based on a narrow and misleading interpretation of the promotional terms, which were not fully disclosed in the initial advertisement and contradicted by the verbal assurance given by the Chase banker. Chase 's actions constitute a violation of the Truth in Savings Act ( TISA ) and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations.

This is not an isolated incident, as numerous other customers have reported similar experiences with Chase denying promotional bonuses despite meeting the advertised requirements. This suggests a pattern of deceptive practices by Chase.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX credit card that has been paid in full before they updated report, they post to my credit report. Equifax does not contact the creditor they use a data base that is wrong and 30 days behind
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX, I opened a XXXX XXXX XXXX account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX ) in response to a solicitation for a {$600.00} bonus. See copy of solicitation which lists all conditions. 
A {$300.00} bonus was to be paid if conditions were met for the checking account and another {$300.00} bonus was to be paid if conditions were met for the savings account. 
At the time of opening the accounts, a {$15000.00} check was present in order to meet the savings account conditions. See copy of account information provided after accounts were established and deposit slip for $ XXXX. 
After the requisite period of time and when all conditions were met, the {$300.00} checking account bonus was paid. No payment for the savings account bonus was paid. 
On XX/XX/XXXX, I visited the branch to make an inquiry as to why I didnt receive the {$300.00} saving bonus. It was then discovered that the XXXX, who set up the accounts, misdirected the $ XXXX to the checking account rather than to the XXXX account. A transfer was then made ( see bank XXXX XXXX XXXX slip attached ). I was told an inquiry would be made up the line about the {$300.00}. bonus and I would hear from the bank shortly. 
Having received no response from the bank, I again visited the branch to learn if any thing was done. A second inquiry went up the line. 
On XX/XX/XXXX another visit to the bank was made at which time I was told there still was no response or resolution. At this time it became obviously to me that no response was forth coming and I closed out both accounts.
Product: Checking or savings account

Bank of American the amount was paid in full. On XX/XX/2019
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit card or prepaid card

In XX/XX/2021 I made purchases on my Comenity Bank card at XXXX XXXX XXXX XXXX. In XXXX I realized that I never received a statement. Not paper nor email. I called them and paid the full amount of XXXX $ on XX/XX/XXXX. End of XXXX I called them to cancel the card since I was upset they fail to send me statements.Over the phone they advised me that I have another XXXX $ in late fees for which again I was NOT notified. I paid the full amount. Confirmation number for the card cancellation was XXXX. The card was yet never cancelled by them. The same week my credit score dropped from XXXX to XXXX. Comenity had reported me as over XXXX delinquent. Although I paid the pull amount in XXXX they have charged me XXXX $ late fee AFTER I had paid the pull amount. Those XXXX $ had accumulated to XXXX $ and they reported me delinquent. In XXXX I called them trying to dispute. Although they admit it was wrong and they reimbursed me the XXXX $ ( confirmation XXXX ) they say that once reported they can not unreport the late payment. 
I have tried reporting with all three bureaus but nobody can amend Comenitys initial fraudulent charge. I have not changed my email or address in the last XXXX years. And although I complained in XXXX that I no longer receive statements, they failed to notify me of any late charges. I believe Comenity bank knowing charges their customers fraudulent charges and fails to notify them in order to collect fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection from XXXX and I called XXXX and spoke with XXXX about making payment arrangements on my account and she said my debt was sold to Crown Asset at XXXX I called and spoke with XXXX and he said that he could not take my payments and payment arrangements would have to be done through XXXX XXXX  at XXXX. I called XXXX XXXX and spoke with XXXX and he stated that he could not take any payments because I was currently XXXX XXXX Military and the account had been transferred back to Crown Asset management. So I called Crown Asset back and spoke with XXXX XXXX and told her that I was currently in training and this was my only day that I had to make payment arrangements on my outstanding debts and I needed to pay on this account. XXXX said that the account was not with Crown Asset and that she couldn't take a payment anyway because all their payments would have to be made through XXXX XXXX. I called XXXX XXXX back and spoke with XXXX again and told him what XXXX said at Crown Asset and that it was imperative I make a payment today to start paying back this debt. XXXX stated that there was no way he could take payments on my account because it was annotated that I am currently XXXX XXXX military and because of that they have to transfer the accounts back to Crown asset and they no longer have it. Crown Asset or XXXX XXXX could not take my payments even though I attempted several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. Experian continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Payday loan

On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXt XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX  XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX  claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with XXXX XXXX XXXX XXXX, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Below is the student loans and as you read them you will see they have been paid off years ago and now saying installments and not showing when I was able to log in. I also been notified by Self I am working to build back up credit with. They sent a email saying that I have many on time bills I paid not listing. I also went threw XXXX XXXX and worked with them about my student loans threw. Trying to get the rest of other information gathered to download to you
Product: Credit reporting or other personal consumer reports

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. Experian emailed me on XX/XX/24 a letter stating they will not block the items off my credit report because one or multiple reasons. I then called Experian on XX/XX/24 around XXXX eastern standard time and spoke with the fraud department. I was told the reason they wouldn't block the account is because the complaint from the cfpb was missing my ID. I told the rep I also mailed out the same complaint with A copy of my ID, utility bill, police report and identity theft report. He then told me they never received the mailed documents. I asked can he check again and he said they don't have it. The recent dipspute is the CFPB dispute. I mailed the dispute with documents the same day I made the dipspute with the Cfpb and stated that in the dispute. I sent it certified mail and have the receipt and confirmation that it was received. Experian is breaking the law and is using bad practices giving people the run around and using stall tactics about disputes. They have everything they need to complete my dispute and remove the account from my report. I will upload everything that is needed including the mail confirmation. Im sending this to the attorney general and will take legal action if the account is not removed immediately.
Product: Credit card

The credit card issued by the BOA was not used for the last several years and that card was not even activated for use. In the meantime I have requested the BOA to close that account and a customer service representative told me that if the card in not activated and dormant for certain time, it will be closed or deactivated. 
However, I came to learn from my credit report that a charge has occurred in a credit card that has not been used for a long time and then I investigated and found out that the BOA Visa was changed for an unauthorized purchase. I immediately called the Credit card card services of BOA and reported that I don't recognize the transaction. 
Please see attached doc for additional details, which I have mailed to the respective department at least two times.
Product: Money transfer, virtual currency, or money service

My cellphone was stolen in New York early in the morning on XX/XX/year>. I flew home to XXXX XXXX a few hours later. When I got back to my computer I saw that my accounts had been overdrawn and my credit cards had been maxed out. I was able to get my credit card charges refunded by XXXX XXXX and XXXX. However, I went in person to wells fargo to let them know that someone had fraudulently moved money around in my various Wells Fargo accounts and then consolidated it into my personal checking. They then sent an unauthorized wire transfer for {$20000.00} from my account to someone else. I've been a customer with Wells Fargo for over 15 years I've never reported an issue like this or had any problems previously. They told me that the confirmed the activity was fraudulent but they would not be crediting my account back the money. They also told me they sent me a letter on XX/XX/XXXX telling me they were closing the case and would not be refunding me. This is completely inaccurate as I never receive any letter or communication from them in this regard. They also emailed me on XX/XX/XXXX requesting more information about the case. I was able to speak with someone from wells fargo on the phone on XX/XX/XXXX. This person had more questions to ask me and I provided them with all the information they requested. So it would appear impossible to me that they were still investigation the case as I was told in a recorded conversation on XX/XX/XXXX if they had already closed the case.
Product: Debt collection

Medical debt from XXXX XXXX was turned over to XXXX XXXX XXXX. They turn the collection over even if you are making payments. I now make my payments, at 13 % interest, directly to the collection agency. I recently questioned them as to how my payments are credited as they structure the debt by individual invoice. As an example, one invoice may be for {$15.00}, another for {$40.00}, etc. They told me that the payment is split evenly amongst the invoices. Therefore if I have 5 invoices {$5.00} of my {$25.00} payment will be made to each invoice.By my calculations, depending on the balance on each account, the debt will never be paid as that {$5.00} will go to interest and not to principle. I would like to assign the payments to particular invoices so that I can get them paid off. What options do I have as the company insists that that's their policy and I have no other options? 
Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment for XX/XX/year> on my LoanCare mortgage account. I am not disputing the account itself only the accuracy of the late payment. 

I submitted XXXX written disputes directly to LoanCare ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and I have proof of delivery via certified mail. Despite this, LoanCare has never provided documentation verifying the accuracy of the late payment. 

The credit bureaus now reflect " Customer Disputes XXXX XXXX '' with no resolution, and the late remark remains. I am requesting CFPB 's assistance to investigate and compel LoanCare to either provide verification or remove the late payment from my reports. 

I have attached all letters, tracking confirmations, and a screenshot of the account reporting as part of this complaint.