23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This business is coming after me for illegal charges and will not remove them from my credit report. It is illegal in Oregon for an apartment complex to charge for basic wear and tear. On my itimized list it shows that the apartment is requesting I pay for paint, paint labor, staff labor which is illegal in Oregon. I have requested the collections removed. This was also involved in a judgement which the collections company has on file showing the Judgement granted for {$250.00} and the company has willing ignored the Judgement as they house the records showing the Judges ruling. The amounts have also changed without payment from me because I do not owe this debt yet it has flutucated multiple times. The XXXX XXXX can not verify the money owed so they keep taking away and adding charges as they see fit. Fair Debt Collection Practices Act ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. They have requested I pay an amount that includes my deposit paid, normal wear and tear, and hourly paid staff for their work. The Judge has denied the request but the collections company will not follow the Judgement given. Attached is the itimized list, along with the Judgement amount on the last page of the documents the Judge granted. This company is making false financial statements that is effecting my credit and my name in a negative manner.
Product: Debt collection

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX XXXX  XXXX XXXX. but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Product: Credit reporting or other personal consumer reports

I am following up on my request to remove information that is not associated with me. Enclosed is my new FTC report with reference # XXXX for your review. Below are the remaining items that need to be removed from my TransUnion credit report : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Bank account or service

My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2023 To whom it may concern, THIS letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681 e ( b ) compliance and procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, Mail or email in a fraudulent account. I demand to see verification proof ( i.e an original contract with my signature on it ) that you have on file for the account listed or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts Has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide Me a copy of verifiable proof, you must delete the account listed below. 
I DEMAND THAT ANY ACCOUNTS BE VALIDATED OR DELETED IMMEDIATELY. 

In addition, Delete All non-account holding inquiries over ( 30 ) days old, also, please add a promotional suppression to my credit file.

Under Federal law, you have ( 30 ) day 's to complete your re-investagation. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 15 days of the completion of your re-investagation, Thank you XXXX XXXX
Product: Mortgage

My wife and I were in the XXXX forbearance program with Caliber Home Loans, before the XXXXmonths, we were informed by Caliber to apply for a loan mitigation modification. We applied and were approved however Caliber has admitted to not sending the documents to us that we need to sign to begin the modified payments. Caliber informed us not to make any payments until we received the documents and Caliber admits that their underwriter has not sent the documents. Now, Caliber states that since we did not return the documents ( which Caliber never sent ) that we need to reapply and Caliber has now started sending intent to foreclose notices. Caliber informs us each time we call to " ignore '' the foreclosure notices because they are simply auto-generated however Caliber is sending conflicting messages regarding our mortgage.
Product: Debt collection

I recently checked my credit report and noticed a account that resulted from identity theft. In XXXXXXXX XXXX XXXX  someone created a account with a company called westcreeck financial in the amount of XXXX. This account does not belong to me.
Product: Credit card

I received an offer to get 20 % credit back on a dermstore.com order on my Amex credit card ( for detailed offer terms, please see amex_offer_used_email.pdf ). I activated the offer and placed a single order of {$420.00} with my Amex credit card on dermstore.com on XX/XX/year> ( for order confirmation, please see dermstore_order_confirmation.pdf ), which means I should receive {$84.00} in credit from the Amex credit card offer. Shortly after placing the order, I received an email from Amex congratulating me on using said offer with detailed offer terms ( please see amex_offer_used_email.pdf ). However, on my statement, the single online order I placed was broken into two charges, one of {$86.00} and the other of {$330.00} ( highlighted in purple in amex_statement.pdf ), even though I placed it as a single order. Then Amex only gave me a credit of {$17.00}, which is 20 % of the lesser part ( {$86.00} ) of my order. After seeing these information, I called Amex and reached out through online chat. I reported my issue to 4 different agents in total and all of them told me that the merchant ( dermstore.com ) reported the order as two separate charges to Amex and the offer is applied automatically so there's nothing they can do.

I don't think this is right, because I placed one and only one order so I should receive 20 % back of the full order amount -- how the merchant reports the order to Amex is out of my control and none of my business. And the fact that the order is reported this way and the offer being applied automatically is no excuse. Customer service agents should exist to correct mistakes computers made and make sure that the offer term is fulfilled, not using automatic programming as an excuse. Furthermore, I personally think that Amex and dermstore.com are teaming up to boost sales with this offer -- in the extreme limit, dermstore.com can always break down a large order and report it to Amex as {$1.00} and total order amount minus XXXX dollar, and Amex will argue that they got the {$1.00} part of the order first, so the credit back is only XXXX cents. I only place the large order on dermstore.com because of the Amex order. Since XXXX products can not be returned and refunded, I feel cheated on when I discovered that I did not get the 20 % credit as the offer promised. 

And upon a closer look at my statement, the {$330.00} part of the order predates the {$86.00} part and yet Amex insists on only giving me the credit for the smaller part of the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests for my personal information to be updated and for incorrect names and addresses be removed from my credit profile. However, I received this email today from Experian with an obvious INCORRECT name " XXXX XXXX XXXX '' I have no clue who that is. I mean they can't even get that right. My name is XXXX XXXX XXXX. That is the only name I have/use and that's the only name that should appear on my credit report all other names and spelling variations should be DELETED immediately. I'm not sure who's furnishing their information but maybe they should double-check it before they submit it. If they were going by my previous request for a fraud alert they still got it wrong with the name. None of the documents submitted had that name on them unless it was to show inaccurate reporting ONLY.
Product: Mortgage

It sure would be nice if someone at JP Morgan Chase cared enough to thoroughly research this matter for a change rather than send the same old replies. I am not going to stop writing about this matter. <P/>I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. <P/>JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. <P/>Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. <P/>They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. <P/>There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything. <P/>The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. <P/>They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
Product: Mortgage

Clear Recon Corp did not give me the notice required under the section 22 of the DOT before acceleration on XX/XX/XXXX : Section 22 requires XXXX give the XXXX notice of acceleration and a chance to cure defects prior to accelerating the loan. This notice is distinct from the later-mentioned Notice of Default that Clear Recon, as trustee, must issue after the power of sale is invoked. Therefore, the XXXX have effectively pleaded that XXXX had a contractual duty to give them notice before accelerating their loan. 

See XXXX v Clear recon Corp. 

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ALASKA XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.
Product: Checking or savings account

Wells Fargo is now handling my retirement account ; however, when I tried to access the account online it stated that they were unable to process my request online and to call XXXX XXXX. I called that number and was told because I had more than one profiles that I had to go into a local branch. I went into the branch XXXX/XXXX/17 located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. Spoke with an associate that initially said that she could help. She asked for 2 forms of ID and I provided my driver 's license and my work badge. She had me verify my maiden name " XXXX '' and a previous address. Then she called someone. During her conversation she informed me that I will not have online access to my account and proceeded to say that if I had an active account that I would be able to access my account online. She gave me an XXXX number to obtain over the phone info about my account. I was upset and left. I told her that I would file a complaint. On my way home I called the number she 'd given XXXX XXXX, their Retirement Service Center. Spoke with an individual over phone she asked me personal questions, which I verified and afterwards was told that she needed to transfer me to someone else. I was transferred to a gentleman and I verified my information yet again. He initially said that he could help and then it changed. I recommended that he call the branch and gave him the name to the associate that I 'd spoken to. He said that he would, then he came back after a few minutes and said that he would have to fill out a form to escalate. This is not right!!!! Wells Fargo obtained my information through my employer, which is the same employer that I had when I opened a previous account with them. I work directly across the street from the branch. Since the transfer Wells Fargo, they have yet to reach out to me via mail, email or phone to verify my account information. How will they report this info for tax purposes? I 'm lost for words. Is this how financial institutions now handle accounts when there are multiple profiles? I 've moved and married since my first account with them but my race, sex and social have remained the same. I 've had retirement accounts with XXXX, XXXX and XXXX but never a financial institution unwilling to provide me with my account information. I feel their practices are deceptive and in violation with current banking laws and requirements. With all the media attention that Wells Fargo has gotten I 'm extremely concerned that they 're allowed to do this.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

There is fraudulent inquiry from Elan Financial for a business car.d I dont recognize I am requesting the inquiry be removed asap
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to accounts being on my report that were open due to fraud. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX sent a letter asking them to send me documentation with signatures of all parties involved and I never received any documents. I have doine this a few times now as well as filed complaints to have these accounts removed through CFPB.

They sent me investigation back and said everything is accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still show on my report.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Credit card

I have now tried using a balance transfer from XXXX different banks with the same problem. 
The only way to have a payment allocated to a balance transfer before the end of the statement period for the balance transfer is to first pay off all the other statement balance and post statement charges. 
If my balance transfer is {$100.00}, my statement balance ( excluding my balance transfer ) is {$500.00} and new charges after my statement is {$500.00} - I have to pay the bank {$1100.00} for them to apply {$100.00} to my balance transfer. 
To make it even harder for the consumer, the due date of the balance transfer to avoid interest charges is based on when the transfer was made NOT the statement date. 
The consumer, if they use their credit card, has to time the payment, between statements, just right or any pending or new processed charge will reduce the payment for the balance transfer. Basically, you have to make sure the total payment equals the total balance less your balance transfer ( which you actually don't know, even from the statement ) plus any amount you want applied to your balance transfer. This makes it very hard to pay down your balance transfer gradually. 
The bank told me that the wording they used " Pay at least this amount on new non-promotional purchases shown on your next statement '' totally explains how to know what to pay to pay down a balance transfer. 
Yes- it is a confusing as it sounds. 
The easiest solution is to stop using any credit card you have a balance transfer on until you pay off the balance. 
I am an accountant - I would wager that most consumers end up paying some interest on a balance transfer because this process is so convoluted and confusing.