23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

J.P. Morgan Chase bank foreclosed on my house on XXXX XXXX, 2017 without Notice as required by law. I notified the attorneys of the deficiency  many days before foreclosure and they ignored my notification and foreclosed anyway. 

J.P. Morgan Chase Bank qualify as a third party debt collector as defined by the FDCPA 15 U.S.C. 1692a ( 6 ), hence not a security interest and has no right to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows thst i make a late payment on XXXX, XXXX, XXXX and XXXX, it is a wrong information on my credit report..
Product: Checking or savings account

I have a high yield savings account with this company and have had it for over a year. I tried to initiate a transfer from that account to one my my checking accounts at another bank ( the same account from which I transfer money to the savings account ). The transfer was reversed and I received no notice of this. When I messaged an agent last week to ask why the transfer did not go through, I was told that it takes 3 business days and to wait until Monday. On Monday the transfer still hasnt gone through and after calling I was told the transfer was reversed the very next day after I initiated it and there was a hold on my account- so the person who told me to wait until Monday wasted my time and was incorrect.

I spent nearly 2 hours of my day trying to understand why my transfer was reversed and was never given an answer. I was told that the number the institution has on file ( which was the same number I was using to call them ) couldnt authenticate my identity- this is despite giving name my correct name, date of birth, security word, and prior address. I was told someone would call me back to authenticate me but no one did. So I called again and went through the same process again. The last thing I was told was that they would not help me over the phone as I had been told they would and someone from the security department would contact me. My funds are being held and have been held for over a week and no one has told me why. No one calls me back when they say they will ( or at all ) and I am afraid I will not have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX financial # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Debt collection

On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Mortgage

Since XXXX, I was employed part-time by the federal government. I have asked Selene Finance to assist me with loan modification programs. My last modification was for XX/XX/XXXX and my remaining balance is {$300000.00}. They offered me 5 % and a 3 month trial payment of {$2200.00}. I lost my job XX/XX/XXXX and I have not found one, but I am marketable. 

I spoke with them when I realized that I was unemployed and told them on XX/XX/XXXX, that I was unemployed and was actively seeking employment. I have also asked them on several occasions if I could make my original payment of {$1500.00}. Some of the representatives I spoke with told me NOT to send in the old payments as they would be sent back. I spoke with another person who told me too send in the payments and they would be credited. I did that. Now they said I no longer qualify for a modification and that I can lose my home in foreclosure or short sale. I have equity so I could sell, but I have no place to live. I received a letter from them denying me a loan modification. What am I supposed to do? I have a basement that floods and I have spent countless dollars on fixing that and now the insurance company said that the house has a foundation issue.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX has messed up my rent payment causing late and nsf fees of $ XXXX to my account. I have paid my balance down to {$0.00} which is why they said it failed the first time now the response is they tried to take the money from my debit card not my credit card. Im so confused and when I try to call you can never get a live agent they just have you fill out a request form. So I called Wells Fargo which is who XXXX  is ran by and Wells Fargo stated they have been trying to get ahold of XXXX for months and have filed multiple complaints. I will now get an eviction notice because XXXX has failed to pay my rent with my credit card balance at {$0.00} they have made no attempt to help or even give me definite information on why Im  having this issue.
Product: Mortgage

Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that XXXX has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being. 

Under 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as XXXX are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification. 

In my case, I have disputed the accuracy of the bankruptcy entry that XXXX has included in my public record. Despite my dispute, XXXX has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk. 

I demand that XXXX takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As XXXX has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.

2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.

3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe. 

I want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect XXXX to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies.
Product: Debt collection

I have been disputing this debt of {$680.00} with XXXX XXXX for over XXXX years now. 
When the debt went to collection company Credence Resource Manna, I have disputed with them as well. 
I have explained repeatedly that XXXX scheduled services at a location that had no signal and services never worked. I attempted many times to cease billing due to the fact that I had no services to be billed for. 
XXXX is a fraudulent company as far as Im concerned. How can you bill a customer when services do not work, and then hold them responsible for an insane amount of money, affect their credit when attempts were made repeatedly to cancel the service they initiated? I was at this location for five months and I did not even realize that this was on my credit report again until a few months ago. It showed up on my credit a few years ago which I disputed and it was removed. 
This needs to be deleted from my credit report permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have disputed several inaccuracies on my credit report to XXXX, XXXX, and Experian about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, to whomever this may concern, transunion has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. Transunion isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.
Product: Debt collection

XX/XX/XXXX XXXX. I've noticed inaccurate information on my credit report. I ( Consumer ) never establish or provided my personal information with IQ DATA INTERNATIONAL IN they are in third party Debt collection agencies and absolutely not the original creditors I established an agreement with. 


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Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( Block , inc . ) due to inadequate customer and fair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

About XXXX or XXXX months ago, the XXXX at Covington Credit constantly called and verbally harassed me concerning a debt that I am making payments on. He would call and over-talk me and call me XXXX or XXXX times within a week preventing me from working and making a living. If I did not answer then he would call my references numerous times asking for me and leaving a message to have me contact he as if I was not in communication with the company. I requested a cease and desist from contacting any of my references and disturbing them. I have an elderly parent who is constantly receiving calls from Covington Credit and it is disturbing her normal lifestyle and peace of mind. My mother recently had a XXXX XXXX and for the XXXX to completely disregard my 'cease and desist " request from contacting my reference is a total disregard for her health and life and I need this to stop. His continuous disregard for my request to reach out to my references is causing a mental strain on my family 's overall health and living. I am making monthly payments on the debt and I have advised the company I am having to make monthly payments on all of my debts with other companies until I can pay them off, please do not contact any of my references. 

I am reporting this constant harassment in hopes of getting the XXXX to honor my request and to stop contacting my references, I am making monthly payments on the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, Equifax, and XXXX. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I accepted a seasonal assignment with XXXX. A wisely pay card was supposed to be sent to me. But I never received the card. They just kept extended the time period and telling me to wait for it. They never told me the card was being used. They refused to block the card. I kept calling and asking for the card but no one would tell me it was being used and they wouldnt block the card. I found out on XX/XX/2023, that Apparently starting on XX/XX/2023, the card was used for multiple transactions for almost {$2000.00}. Rude representatives XXXX and XXXX refused to block card or dispute transactions and instead blamed me for not receiving card. They refused to tell me the fraudulent transactions, block card, or send a replacement card. They refused to tell me the phone number linked to the card or when the card was activated. I have never received the card, almost {$2000.00} has been stolen from me and wisely XXXX wont even block the card or let me dispute.
Product: Mortgage

OnXX/XX/XXXX1 I entered into a fraudulent investment Contract, with XXXX XXXX XXXX sending money to XXXX  XXXX XXXX, sat at the closing table and nothing was disclosed to me pursuant to ( CFR-42 ) about my rights, documents were removed out of the closing documents such as the disclaimer for the credit application, forms from the appendix ( H ) H-8, H-9. Im being held liable on a contract that To which Im not a party, ( The pooling servicing agreement contract ) and under the STATUTE OF FRAUDS UCC 2201. The investment contract/Mortgage Loan was for {$110000.00} at the time. I mailed a demand to M & T Bank I have Rescind this investment contract/mortgage loan transaction on XX/XX/XXXX and was received on XX/XX/XXXX. Do to the abundance of FRAUD i found. I also have the Indorsed note/securities that is indorsed to me.
Product: Payday loan, title loan, or personal loan

CareCredit ( carecredit.com ) pulled a hard inquiry on my credit twice without my consent. At no point did I sign off or give consent to a hard pull on my credit, and at no point was I informed or asked for consent to a hard pull on my credit. When I said this to the customer service representative on the phone, he replied " You're right, I did not ask you if it was okay to have a hard pull on your credit ''.