23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX at Integrated Svs. regarding a complaint that had been red flagged for fraud. When I returned XXXX called he indicated that the issue for my dad ( Sr. ), they were n't able to give me information without him.I called the company back on three way with my dad. The customer service reps attempts to verify the last four digits of a SSN. It is not my dad 's number, so he says no. The CSR proceeds to provide DOB that is my brother 's. My dad says no and then the CSR starts yell and say that he is lying and he knows it 's him. I try to interject and let him know he had the wrong person. He told me I needed to shut up and listen. He threatened legal action and mentioned some other judgement. He 's still yelling and I 'm trying to out yell him to let him know he has the wrong person. He continues to spew insults saying that " the whole family has issues paying bill ''. I told him he has a problem and he proceeded to say " I do n't have a problem, I go to work everyday and pay my bills ''. So many other things were said by XXXX that seemed totally inappropriate and harassing.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all XXXX credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

I have tried to contact Equifax several times to have an account removed from my credit report that contains many inaccurate information. They continue to claim that the information has been verified or updated. I reached out to the original creditor and they stated that they did not supply nor verify the inaccurate information listed. The same item appeared on XXXX with different inaccurate information and XXXX deleted and blocked the item. I would like Equifax to do the same. I have attached my drivers license and social security card for identification verification purposes. I have also attached a copy of the item on my credit report with the inaccurate information highlighted. As well as the letter submitted to Equifax. I would like for Equifax to remove this item from my report and send me the proof immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They did not do this. 

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal. 

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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 antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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: Mortgage

Seterus Inc services my mortgage which is owned by XXXX. Over the last 7 months Seterus has initiated an escrow account in which they have tried to place flood insurance on my home even though my home is not in a flood zone. They have attempted to charge me for future property tax payments ... ..even though I pay my own taxes. After much haggling and extensive damage to my credit report ( Seterus absolutely crushed my credit rating because of my refusal to pay escrow ) I managed to get Seterus to take away out the flood insurance and taxes off my escrow account. Now they have decided to start a forced placed hazard insurance policy with their " partner '' and keep the escrow account live. I have no explanation as to why they just decided to impose a hazard policy. Lived in my home close to ten years and never was required to have one. After investigating complaints of a similar nature it turns out this is a common practice among mortgage servicers. They receive kickbacks from insurance companies and charge higher premiums on these forced policies. Seterus has managed to take away my ability to refinance to a local bank because of the damage they have done to my credit rating during by imposing their frivolous and un substantiated charges tacked on to my mortgage. They are currently the target of numerous class action law suits along with other mortgage and insurance companies because of these practices. I would much rather resolve this before taking legal action and any help you folks could provide would be great!
Product: Checking or savings account

I had {$XXXX} in transactions that were unauthorized. I waited XXXX  days to receive the provisional credit which was on XXXX XXXX. The provisional credit that was issued to me was only for {$XXXX}. Im missing the {$XXXX} the merchant/bank tells me that that is what I was approved for for the provisional credit
Product: Student loan

I did not authorize the consolidation, my information on the application is incorrect, and I should not be made to pay a higher interest rate or have my credit score dropped ( already occurred due to the closing of my other accounts ) for something that I did not request. 


I was advised via a letter that a fraud investigation was completed and that Nelnet had confirmed that fraud or forgery was not committed in relation to this account. The decision was based on the following actions you took, which acknowledged the debt as my own : Applied for forbearance I was advised to do so per the Nelnet operator I spoke with on the phone who updated my address, phone number and email address. She said that the loan with be in forbearance while the fraud investigation took place. 
Consolidation of loans- I did NOT authorize my loans to be consolidated so this is inaccurate information.
Product: Checking or savings account

I am writing to file a formal complaint against JPMorgan Chase & Co. regarding unauthorized and fraudulent charges made to my account. I contacted Chase customer service on XX/XX/year>, to report fraudulent transactions totaling {$2900.00}, which I did not authorize. Despite providing Chase with the name of the individual whom I believe may have made these charges, I have not seen the proper resolution or reimbursement for these transactions. 

As a primary user of XXXX XXXX, I do not regularly use my physical Chase card for purchases. The unauthorized transactions were made through my account without my consent. I have complied with all necessary steps to identify and dispute these charges, including promptly reporting the fraud, but I have not received the expected remedy.

Chase has not returned the disputed funds in accordance with XXXX XXXX XXXX XXXXXXXX policy or their own Terms and Conditions, both of which guarantee protection for unauthorized charges. Under these policies, I am entitled to a full refund for charges made without my authorization. The lack of response and the ongoing delay in reimbursing me is causing me financial hardship and frustration. 

I am requesting the following actions : Immediate reimbursement of the {$2900.00} in fraudulent charges to my account.

A full investigation into the disputed transactions and a final resolution in compliance with XXXX XXXX  XXXX policy and Chases Terms and Conditions. 
Clear communication from Chase regarding the status of my case and steps being taken to resolve this issue.

I trust the Consumer Financial Protection Bureau ( CFPB ) will investigate this matter and help ensure that Chase complies with the relevant consumer protection laws. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contain fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIS from my credit report. 
ACCOUNT : XXXX # XXXX
Product: Money transfer, virtual currency, or money service

For several years, I was using XXXX via my banks, Bank of America, and XXXX and the proper disclosures werent listed when I was using XXXX. Also, several times while using XXXX, when money was either sent to me or I sent money. There was a massive delay on receiving the funds. Sometimes it would be 24 to 36 hours before those funds were moved into different accounts. it was very frustrating to say the least.
Product: Checking or savings account

I opened a BMO Harris Smart Advantage Account and a Platinum Money Market Account in XXXX, XXXX via a promotional offer that promised 1 : {$400.00} for opening the Smart Advantage Account and having direct deposits totaling {$6000.00} within 120 days of opening, enroll in digital banking, and have 10 transactions posted to the account within 120 days. 

2 : Earn 2.05 % Annual Percentage Yield ( APY ) when you open a Platinum Money Market account with at least {$5000.00}. 

3 : Get {$100.00} bonus just for opening a checking account and a Platinum Money Market account. You must open the PMM within 30 days of opening the personal checking account. 

I'm having two issues. 

1. I did all three above, and recieved the {$400.00} bonus on XX/XX/XXXX. I have yet to receive the additional {$100.00}. I have sent numerous messages to BMO Harris. I was assured at one point that I would get it by XX/XX/XXXX. Once that didn't happen, I sent a message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All with NO response. 

2. My second issue is I believe their offer of a higher APY was a bait and switch, as I earned 1.91 % on my XX/XX/XXXX statement, 1.81 % on my XX/XX/XXXX statement, 1.70 % on my XX/XX/XXXX statement, .53 % on my XX/XX/XXXX statement, and .25 % on my XX/XX/XXXX statement. I understand that they have the " right '' to lower APY, but  this was deceptive of them. 

I have a copy of the language that I had possession of when I signed up for the accounts. BMO sent me DIFFERENT language when trying to get out of paying me the additional interest.
Product: Credit reporting or other personal consumer reports

Reporting unverified information on my credit report. Im the living breathing natural person. How can a piece of paper speak on my behalf and verify anything?
Product: Debt collection

I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I  have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. 

I know the debt is valid, but I am having trouble paying on it since I cant reach the collector
Product: Credit reporting, credit repair services, or other personal consumer reports

Invalid Addresses : XXXX XXXX XXXX XXXX XXXX TX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have 30 days to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ 2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have an account with Chime Bank. An unauthorized transaction- a Pay Friends transaction - took place at XXXXXXXX XXXX on XX/XX/21. It says that an XXXX XXXX took {$210.00} and transferred it. I did not authorize it. I called Chime and theyre investigating.
Product: Mortgage

I have informed Freedom Mortgage back in XXXX that our taxes were double paid. XXXX XXXX  is also aware of this and is attempting to assist me. 

Freedom mortgage advised to contact them every month to see if there is a resolution. 

Each time they were contacted they had no idea of the issue that I previously reported. 

I am owed over XXXX from my refinance and at this point I am looking into a lawsuit if no resolution or funds not received in the next month or 2. 

This is the second complaint I am entering without a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the following inaccurate information be removed or corrected from my credit report. I previously contacted TransUnion about these issues on XX/XX/XXXX, but to date, they have not responded. 
The accounts listed below do not belong to me and are therefore reported inaccurately on my credit report XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX ) XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX XXXX In addition, I request that the following account information be corrected on my credit report : XXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) - This account has never been late.
Product: Mortgage

XX/XX/XXXX - I received a delinquent tax notice from XXXX County ( SC ). I immediately called Amerihome Mortgage company and spoke to XXXX XXXX XXXX XXXX. She told me to send the tax notice to XXXX ( do they need a entire department because they forget to pay people 's taxes a lot? ). She said they would get it done. 
XX/XX/XXXX - Logged into mortgage web site to ensure taxes were paid. The taxes were not paid and this " company '' decided to refund almost my entire escrow. The date of the " refund '' was XX/XX/XXXX. I have not received a refund check as of the date of this complaint - XX/XX/XXXX. I called again and spoke to A -- -- a -she said they refunded my escrow because I am XXXX XXXX  XXXX. I am not XXXX XXXX XXXX. Now my taxes are not paid and my house will be put up for auction if they are paid SOON! I then called XXXX county Auditor and the VA to ensure they did not send something to Amerihome. The Auditor and the VA both told me they did send anything the Amerihome. 
XX/XX/XXXX - Called Amerihome back and spoke to XXXX XXXX XXXX XXXX she said the account didn't say I was XXXX and she would contact the delinquent tax department and get everything straightened out. I asked to have a supervisor call me also. NOTHING has happened and a I was never contacted by a supervisor. 
XX/XX/XXXX - Checked Amerihome web site again - nothing has been done. I still do not have a check for a refund - where is the money? I put in a request on the web site for them to do their job. Nothing ... 
XX/XX/XXXX - checked Amerihome web site again and nothing has been done. Called and spoke to XXXX, she said the account showed me XXXX XXXX XXXX. I explained I am not XXXX XXXX XXXX and she said I needed to contact the County - I explained I already Had! I told her the taxes needed to be paid immediately. Now the penalties are adding up. I l also discovered the tax number was incorrect on their end. Who doesn't even know the tax number of the property they lent money on? XXXX XXXX XXXX  said the taxes would be paid by Monday XX/XX/XXXX. I will be checking on Monday and calling again to get a different answer I'm sure. I still have not seen a check- I asked XXXX if they could simply stop payment on the check and have supervisor call me - we'll see. Every time I call I get a different answer. My families home is in jeopardy because these people either don't care or are incompetent. This is unacceptable and I hope you can help me save my home.
Product: Mortgage

I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests.
Product: Credit card or prepaid card

Since XXXX I've repeatedly supplied Proof that JPMORGAN Chase has WILLINGLY supplied the 3 credit bureaus with falsified information about me, I'm no longer able mentally or emotionally to deal with JPMORGAN CHASE BANK OR THEIR STALKING, HACKING AND ALL OTHER METHODS OF ATTACKS AGAINST MY PERSON & PERSONAL FINANCIAL ACCOUNTS, IM STILL LOCKED OUT OF MY AMAZON ACCOUNT, BECAUSE SOMEONE REMOVED MY ACCURATE PHONE NUMBER AND REPLACED IT WITH THE NUMBER THAT JPMORGAN CHASE HAD IN MY ACCESS PORTAL TO SAID XXXX THEM, IM STARTED TO HAVE SEVERE PROBLEMS WITH FOCUS AND NORMAL DAILY ACTIVITIES DUE TO THE SHEER AMOUNT OF STRESS AND THE KNOWLEDGE THAT IM BEING KEPT HOMELESS DUE TO FALSIFIED INFORMATION ON MY CREDIT REPORT BY THEM IS JUST AGAIN TOO MYCH FOR ME TO DEAL WITH ANY LONGER, IVE ASKED YOU FOR A YEAR NOW TO HELP ME, YOU HAVE NOT DONE ANYTHING EXCEPT PASS IT OFF .... YOURE SUPPOSED TO PROTECT! HOW TF IS THIS PROTECTING ME???? IM A XXXX CITIZEN OF THE UNITED STATES OF AMERICA AND NONE OF YOU PROTECTED ME AT ALL ONCE! I NEED A PROTECTIVE ORDER AGAINST THIS BANK AND ANY CALL CENTER AGENTS THAT XXXX EMPLOY TO STAY OUT OF MY ACCOUNTS INDEFINITELY! AND SOMETHING PROHIBITING THEM FROM ANY FORM OF FURTHER ABUSE INCLUDING SENDING OUT MEMOS TO OTHER CREDITORS USING MY NAME AND DELIBERATELY HAVING SAID COMPANIES LOCK ME OUT OF ACCOUNTS I HAVE WITH THEM!!!! 
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