23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I requested an escrow analysis for my mortgage with customer service for Chase XXXX XXXX. They told me that I had a surplus of over {$6000.00} that would be refunded to me in approximately a week. On XX/XX/XXXX, I called back and was told that, due to the high amount, it was being checked again and it would be a couple more days. On XX/XX/XXXX, I called again and was told the amount had changed due to a change in my property taxes. The amount they quoted me was incorrect. I gave them the correct amount on that same call. I was told that in a few days I would have the money. On XX/XX/XXXX, I called again having still received no money nor communication. I was told that I should have received the money and they were sorry, but due to their error with the property taxes, they were doing more analysis and would do an electronic funds transfer. On XX/XX/XXXX, I called again and they had no explanation for the delay. I was placed on hold for twenty minutes with my operator as she waited with me to try and reach someone in the company to help. No one answered her and I asked her to call me with an update later in the day. She called back toward the end of that day and said she was told that an electronic funds transfer of approximately {$5500.00} ( their revised amount ) was going to be sent soon. Please note that I not have the mortgage with chase, but am a chase banking customer and pay my mortgage from my chase checking account electronically every month. They have complete and total control of the transfer process from end to end in the same company. Today, on XX/XX/XXXX, having still not received my money, I called again and they escalated my complaint to a supervisor. She had no explanation of the delay and apologized. I informed her that, according to the CFPB and CFR 1024.17 of the Real Estate Settlement Procedures Act they had 30 calendar days from the analysis to give me any surplus over {$50.00} and if I didnt receive the money that day they would be in violation of federal law and I would file a complaint with the CFPB. As of the close of business, I have not received any money or subsequent communication from the company. As it has been 30 days they have violated these rules as I understand them. Furthermore, the size of the surplus is especially troubling given that the mortgage is 8 months old and it was a refinance of my prior loan for which I provided all necessary documentation of property taxes and home owners insurance. The surplus represents more than 50 % of my annual property taxes in total. This means I was either asked for too much money at the closing and/or my payment has been artificially too high since the inception of the loan.
Product: Debt collection

I have already paid this debt and it was never take off my credit report even though when talking to them over the phone they said they would remove it with three weeks. It was removed from one report but not the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking the company and the credit reporting agencies to delete the inquires but they have not done so yet.
Product: Checking or savings account

i paid my bill XXXX two days later my bill was sent back charged an NSF and an Overdraft fee. Funds were available but 2 days later it was overdrafted due to WF submitting for the service fee of XXXX XXXX. Also during the pandemic i was receiving a stimulus monthly. WF decide they were going to credit me the amount to pay a fee but 6 months later charge me for the amount that as credited which ended up in my account being over drafted and needing to close it. i was put in a financial hardship due to the bank misusung my funds.
Product: Money transfer, virtual currency, or money service

I transferred amount of XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX  using my account in XXXX XXXX XXXX  in XXXX XXXX ( sender bank ) via Bank of America ( intermediary bank ) and XXXXXXXX XXXX in XXXX ( Beneficiary Bank ). The funds were held in Bank of America. They never transferred or returned the funds to the sender bank. The are not replying to the emails sent by the sender bank. I need your support to get the refund. Copy of transaction details is attached. 

TT XXXX
Product: Debt collection

I had a small debt of {$50.00} for a medical co pay for an ambulance transfer. The debt was paid to the company and the check was cashed. I received a collection letter from a collection agency stating that I owed {$53.00}. Not only was the debt paid, the company had no right to charge another {$3.00}. I find this practice unfair, deceptive and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached dispute letter explaining the background and requested resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I sent Experian, XXXX XXXX, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX XXXX # XXXX XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX XXXX # XXXX Experian # XXXX. 

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 seven 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.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.
Product: Debt collection

AFNI INC CORPORATION SERVICE COMPANY XXXX, GA, XXXX, United States To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit card

Two charges were placed on my bill on the same date ( XX/XX/2017 ) for the same amount ( {$100.00} ) from two different companies in Florida -- ( XXXX & XXXX ). Yes, I was in Florida on XX/XX/2017. But I did n't even carry that particular card with me. And I am the sole user on that card. My husband carried all the joint cards with him. I reported this to my local XXXX XXXX Bank on XX/XX/2017, the same day I discovered the information online ( no paper report had come to me yet ).
Product: Debt collection

I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.
Product: Prepaid card

My ebenefits account was compromised and changed my direct deposit from my XXXX bank account and transferred my funds to a prepaid netspend card and used this card to withdraw money from the atm XXXX, which I stay XXXX. I never authorized this transaction and would like this matter to be resolve.I also would like to NetSpend to be investigated because I followed the FTC guidelines and forward all pertinent information to them, but I got only a hard time and told that they never received my fax of my documents after I sent them numerous times.I called numerous times and requested a supervisor because the customer representatives do n't speak XXXX which I find kind of odd.
Product: Debt collection

About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.
Product: Debt collection

This collection agency has been calling my XXXX year old mother and harassing And threatening her. They threatened to take her social security. My mother is In fragile health and is now a nervous wreck. The debt is not hers. She was a reference listed on a credit card application from 11 years ago.
Product: Credit reporting or other personal consumer reports

Today XXXX XXXX I was trying to get these unauthorized and unverifiable inquiries and accounts of my XXXX and TransUnion credit report the customer rep wasnt very helpful in helping with my credit situation I have been dealing with this unfair situation for some years now I done tried to fix my credit many of ways even got a account with XXXX XXXX XXXX which cheated me out of a few XXXX dollars when I had a account with them if I have to keep going through this pain and suffering and hardships cause these credit bureau are not doing jobs correctly I will sue all XXXX  companies I'm tired of this running around and it's not fair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
Product: Credit card

My APR with American Express is 28 %. I have been a customer in good standing for years. 
I called American Express several times asking if I could have a break on my interest rate mainly due to the fact that my credit score is high and I have paid on time each month. I called XXXX XXXX XXXX XXXX  and spoke to someone I could barely understand because they had an unintelligible accent. I was told there were no deals available. I called again XXXX XXXX XXXX XXXX and the agent again was difficult to understand. I was told there were no deals available again. After The Federal Reserve Chair lowered interest rates, I called again XXXX XXXX. I again found myself on the phone with someone I could barely understand and I asked Now that the federal reserve has lowered interest rates, will I see an adjustment with my interest rate. The female agent repeated There are no deals available right now. Im not sure how American Express is calculating my interest, but it seems as if Im being charged interest on top of interest. They have access to my credit score and yet they see no reason to offer me relief even though interest rates were lowered by The Federal Reserve Chair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX account and had some items in my shopping cart in the amount of {$200.00} that I was in the process of completing my order later on. As soon as I clicked on the item I got a prompt from XXXX offering me to pay {$59.00} right now and I will get {$150.00} if I apply for their XXXX credit card through Chase Bank without affecting my credit. This was supposed to be a pre-approval credit with a soft pull, but instead they pulled my credit with a hard inquiry. I immediately received an email from XXXX that there was a hard inquiry on my credit report that caused my credit score to drop by XXXX points right after I was denied. They lured customers to get their credit cards by misleading them and lying to them they will not run your credit, but instead they do. I didn't even need the card, I accepted their offer because of the reward. I can not afford to have hard inquiries on my credit report because I'm trying to repair it right now. I just found out they also have another bank by the name of " XXXX '' that they are using to do the same thing. I have attached an attachment. 

Thank you
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n,
which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card

TJ Maxx delays crediting payments up to 21 days. I made payment on XXXX XXXX, 2016, money was take out form my account right away but the payment was not credited to my credit card yet. when I called TJ Maxx yesterday, i.e. XXXX XXXX, customer service told me that it takes 21 days to credit my account despite they took money right away. Is it the legal practice? No other credit card I have delays my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX  XXXX  ( never authorized ) and XXXX  XXXX  ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Product: Credit reporting

I wrote Experianon XX/XX/XXXX, asking for their assistance and they replied with a letter stating that I did not provide enough information. How did I not provide enough information when the letter specifically stated the account that I 'm disputing, that I needed their assistance in verifying the validity of it and gave the exact reason for my dispute? I 'm including my Consumer Financial Protection Bureau complaint with the new letter, as this is a blatant disregard of my rights. They stated that they are not going to honor my request under section 611 of the FCRA ; at no point did I say that this was ID theft. Actually, I specifically stated that I was NOT saying that it was identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 US Code 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally protected consumer, may have given CITI whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 and 6802, states I have the right to privacy, 15 USC 1681 Section 604, states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b I demanded under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry. 

This creditor did NOT provide me strict proof or DELETED the item immediately. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

This creditor didnt provide STRICT proof of authorization after 30 days, therefore they must delete this fraudulent inaccurate account, If you do not delete the account immediately I will I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. Acc XXXX. Balance : {$590.00}. 

Someone in the State of North Carolina rented a residential property in XXXX during the Covid 19 pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of North Carolina nor I have never signed any residential lease for any property in the State of North Carolina. I have been living in the State of Florida since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX which is a private apartment complex managed by XXXX at XXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX {$590.00}.