23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, Chase made a clerical mistake during escrow analysis and said that the expected monthly amount was {$0.00} instead of {$1200.00}. I am including am escrow statement showing the error. I was paying double mortgage payments so I called asking why the two payments were different. They said I had paid down my principle so much that the escrow amount had changed. In XXXX, I receive a bill showing that I have an escrow shortage of over {$17000.00}. I called chase for weeks trying to resolve this to no avail. Finally, they said they would split the shortage over 5 years. However, that brought my monthly payment to an amount I was unable to pay due to medical issues that affected my ability to work. I applied for mortgage assistance and applied for a grant through Texas Homeowner 's Assistance Fund. The grant should have brought my account up to date. However, Chase provided the incorrect totals and provided the escrow amount that was the error. They also told XXXX that I was up to date on my escrow and as a result, I was declined any payments for escrow from XXXX and when I was approved for the XXXX XXXX, the amount did not bring me up to date because of the incorrect information provided by Chase. I contacted XXXX and provided statements showing the error but they said they can only receive information from Chase. They contacted Chase AGAIN and Chase continued to provide the incorrect totals. I had my case escalated through XXXX but again, Chase did not provide accurate information until the very end which at that point, the XXXX was out of funds. They were reporting that my monthly mortgage was {$1900.00} when in fact, it was {$3300.00} with the outstanding escrow balance. Not only was the XXXX  supposed to bring me up to date, but it was supposed to provide 3 additional months of mortgage payments but again, they had incorrect information from Chase. After I contacted Chase and told them that this was a case of negligence, they sent my loan to a debt collector ( XXXX XXXX ). In addition, XXXX sent payments to Chase that they did not process. I have proof in email documentation. I did receive a check for the " excess escrow funds '' after they incorrectly calculated the escrow but when I called to ask about the check, they said it was excess escrow that was put down during the signing of the house in XXXX. Despite me calling and verifying the escrow and questioning the amounts both with Chase and XXXX, Chase never provided accurate information. All of this could have been rectified had they given the correct mortgage and escrow information to XXXX. The case was even escalated and again, Chase provided the wrong amounts.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX XXXX bank account anything else I don't have any knowledge of ... I also got a police report..
Product: Credit card or prepaid card

As of XX/XX/2023, I sent this message to the billing department of the First Progress Credit Card Company via fax : Im filing this complaint/dispute on the company First Progress due to the unprofessionalism, the continuous of misleading information given by all of your customer service representatives and as well as your supervisors. As Im writing this Im am currently livid at one of your supervisors by the name of XXXX who hung up in my face after comfortably disrespecting me & had the audacity to call me a racial slur. For the past previous times Ive tried to make my minimum payment each month & have received confirmation numbers stating that the payment was scheduled to be drafted out from my bank account. However, the payment has been reversed to me twice without any other explanation other than insufficient funds. I find that hard to understand because on both occasions the funds have been available. You guys have my correct & verified bank routing & account number on file which has been confirmed by your unreliable representatives. As of XX/XX/2023 around XXXX XXXX  I called in requesting to speak to a supervisor in regards to why my payments arent being posted to my account. Your employees have failed to tell me why? My actual bank has informed me that the funds are available as well so it should be no issue that should prevent the funds being returned, me occurring {$30.00} NSF, & points taken away from my credit score. At this moment I would like for your company to pull each and every single recorded phone call Ive made with your representatives and supervisors because I want to file a complaint. And every single employee who I spoke with, I would like them to be reprimanded or terminated once again due to the unprofessionalism along with the disrespect Ive occurred. Your agents are completely dishonest & scammers it seems. Since the beginning of my I was charged with 2 {$10.00} fee because I had no choice but to make my payments with an agent because my account did not provide me the option to pay through my First Progress app and mailing the payments in wasnt going to be effective due to how my payment schedule is setup. In closing I am seeking legal counsel due to all the issues Ive been experiencing with your employees especially after speaking with the supervisor XXXX who called me the XXXX XXXX. I would like the remarks and negative impacts removed from my credit score somewhat ( your company needs to figure it out ) and on top of that Im not making any more payments to you guys as of right now until my requests are executed. I will be filling multiple disputes with my bank for all of the funds I sent you guys as all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for 15+ years Ive never witnessed any low class behavior from a worker. 

And now that it is XX/XX/2023 & no response back or resolution has been provided. And with the account closure had occurred. I accumulated late charges, NSF fees stacked with high interest which I dont believe is my fault or why I have to pay for.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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 XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The Original creditor failed to bill the insurance company for XXXX visit. I have provided proof that I had valid coverage to both the Original Creditor and the Collection Agency. I was told by XXXX that it is too late to bill the Insurance therefore I am responsible for the debt. This debt is being negatively reported on my Credit File with all XXXX Credit Bureaus. I am requesting a new investigation and have this item removed permanently.
Product: Money transfer, virtual currency, or money service

I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.
Product: Bank account or service

I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of last activity appears incorrect across both of my CLOSED XXXX XXXX accounts. Remove immediately due to inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus nexus is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Product: Payday loan, title loan, or personal loan

This company has produced a loan account on my credit file that I did not sign or authorize
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX  Account Number : XXXX The date of last reported is inaccurate, date of last payment is still inaccurate, and date last active is incorrect amongst all bureaus. 
Ive already disputed this account with CFPB & with Experian Report Number ( Dispute ) : XXXX. Nothing was sent to me to legally verify this account, nor was it corrected by all 3 Bureaus following the dispute which came back as verified, and your updated information still does not show accuracy under FCRA Law. This is a clear violation of the FCRA as this is still not accurate or complete information you are reporting about the account. CFPB COMPLAINT WILL BE REOPENED DUE TO NEGLIGENCE AGAINST CREDITOR TO REINVESTIGATE AND PROPERLY VERIFY THE INACCURACIES REPORTED FROM DEBT COLLECTOR AND OTHER BUREAUS.

This is already a violation of 15 USC 1681e ( b ) under GRAMM LEACH-BLILEY-ACT Failure to comply

would be another violation under 15 USC 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information VIOLATION OF CONSUMER RIGHTS ALLOWS ME TO BE ENTITLED {$1000.00} PER VIOLATION I LISTED AFTER YOU FAILED TO VERIFY MY INFORMATION PROPERLY Experian Prior Dispute was sent via regular mail and a second hand written letter will be attached to CFPB COMPLAINT.

DELETE THIS COLLECTION ACCOUNT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with XXXX XXXX XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Sometime on the night of XX/XX/XXXX or early XX/XX/XXXX my debit card was stolen. The next morning I woke up to alerts from my bank app relating to transactions and ATM withdrawals that had occurred that morning. I immediately called the bank ( at XXXX XXXX CT ), notified them that any transactions from that account that day were fraudulent, and to block the card. The bank temporarily credited some of the charges, but not all, and turned the card off at XXXX XXXX CT ( I have email confirmation of this ). A couple days later on XX/XX/XXXX, I went into a Chase branch to figure out why only some of the charges had been credited. The personal banker there informed me that whoever took the initial call missed some of the charges and it seemed some of the charges even occurred after the card was supposed to have been shut off. She also said that it would take a few days, but by XX/XX/XXXX I should see everything credited back to my account. However that never happened and instead the bank began reversing out the credits they had already given me. Then on XX/XX/XXXX, I spoke to the personal banker from the branch again and was told that the bank 's fraud department had determined that the charges were authorized ( since a pin was used ) and that I would not be receiving any credits. 

A few things that I think are important to consider : The bank allowed {$5000.00} to be withdrawn across 13 transactions over about 4 hours.

4 of the transactions occurred after I initiated the call to the bank fraud line. 
It appears to have taken 17 minutes into that call for the bank to have shut the card off. 
The bank never provided temporary credits for some of the charges. 
Most of the transactions occurred in XXXX. XXXX and XXXX ( between XXXX and XXXX ET ), and I live in XXXX without a car. 
I have credit card payments occurring in XXXX Saturday close to XXXX XXXX and again on XXXX XXXX. 
I have a receipt for an XXXX delivery to my XXXX apartment at XXXX XXXX  CT. 
I have multiple accounts and credit cards with this bank ( for over 10 yrs ), have been an excellent customer, and have never had activity similar to these charges ( cash back at XXXX, several large cash withdrawals in short time, any use of the debit card for that matter ). 
Chase claims to have a zero liability policy regarding fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} CrediXXXX limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I ( XXXX XXXX ) was living and working full time in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We sold our primary home in XXXX in XXXX. 
Sometime around XXXX Discover issued a credit card to someone using my name and my XXXX yr old address. 
The person maxed out the card in no time and defaulted. Upon my return to states and trying to get a credit card and buy a vehicle we discovered my low XXXX XXXX due default under my name. 
I reached out to discover asking for proof on verification of my ID before issuing the credit card. They will NOT comply. 
I have reached out to all three credit agencies with facts and they are siding with discover. 
Discover has tried to sue me. I reached out to their lawyer with facts but they refuse to talk to me. 
As a result it is becoming a XXXX vs XXXX story. I am unable to live a normal life despite being a ideal law abiding, financially responsible citizen. 
Before I start a lawsuit against discover, I wanted to reach out to you to see if you could assist. 
Happy to provide all facts. Please remember I did not live in United States from XX/XX/XXXX until XX/XX/XXXX and hence had NO utility bill to prove the same. 
This looks like a case of greed from discover and now I am the one paying the price. 
Thank you in advance for all your assistance. 
I can be reached at ( XXXX ) XXXX or XXXX XXXX. XXXX XXXX.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss.
Product: Credit reporting

Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.