23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received an escrow analysis for my mortgage. This was the end of the first year of the mortgage, of which I have never missed a payment. The escrow analysis stated a new payment of {$1400.00}, which was {$210.00} less than my previous payment amount ( XX/XX/XXXX - XXXX XXXX  ). The letter also stated there was an escrow surplus of {$2200.00} which was due to me via check. I called the company TWICE to confirm the amounts were correct and both times the amounts were confirmed by different individuals. The individuals confirmed I would receive the check within 30 days of the letter. I never received the check but I was automatically charged the lower amount ( {$1400.00} ). After not receiving the check, I called the company again and they said the check was being put in the mail that day. I still never received the check or any clarifying information about what was happening. I waited approximately 60 days and called the company again ( on XX/XX/XXXX ), this time speaking with the manager. The manager explained that the analysis was incorrect and the letter provided an incorrect payment amount and incorrect escrow surplus. I was extremely frustrated because the company led me to believe that I could rely on this escrow surplus. But I was also frustrated because the manager said she was not sure how this would impact me. I wasnt sure if it would impact my credit, disrupt my mortgage, cause me to owe money next year, etc. I did nothing to have my payment changed. It was incorrectly changed by the company despite my efforts to ensure it was correct. I told the manager that this was wrong and that I was going to have to file a complaint with the CFPB. She begged me not to do so and asked that I give her 24-48 hours to get this fixed. She guaranteed a personal call back within 48 hours and promised that she would make it right. However, it has now been almost 2 weeks since that promise and I have not heard from her or the company at all. I called her direct line many times, called the general line and spoke with other individuals, but can not get her on the phone. All I know is they completed a new escrow analysis and they are changing my payment again. I have not received written notice of the new escrow analysis. I received a check this weekend for {$480.00} with the memo Surplus Refund Check. This is not the amount I was told I would receive. I feel misled and I am worried that Ive been harmed by BSI Financials faulty processes and poor communication. I have no other choice but to file a complaint here because I do not feel that BSI Financial is protecting me, considering me, or trying to do right by me. BSI Financial was not the company that I originally get my mortgage from. BSI Financial purchased my mortgage from another company. I am very upset with their performance and I wish they did not own my mortgage. I do not feel like they are focused on providing a good service to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an XXXX  XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18 I was notified my credit score had changed and that a credit card was closed. Capital One closed my credit card due to inactivity but did not send me any notification that this was going to happen and is refusing to open the card again. I did not want this account to be closed as this was the first credit card I ever opened and established my credit history. With the closure of this card the length of my credit history was drastically reduced and lowered my credit score substantially. Capital One refused to let me speak to anyone other than a supervisor and refused to do anything to get the account open again. They told me they would never close an account without notifying the owner first however I was never notified. Their customer service was terrible and had no excuse for why they did not notify me of my account closure.
Product: Checking or savings account

Below was the response from Chase from my first complaint which did not answer my two main questions : 1. Why is the account being reviewed? and 2. When ( date specific ) will the held funds be returned? 

My Feedback to that response is below We regret any misinformation given to you and appreciate you taking the time to tell us about your experience with us. Your feedback is important to us. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us was that Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. You can find this on page 12 of the Deposit Account Agreement.  You were provided a copy of the agreement when you opened your accounts or you may view the current agreement on chase.com. We are not required to give you a reason for our decision to close the accounts. Enclosed are copies of the account closures letters we mailed you for your reference. Once our internal review is complete, we can request for the funds to be sent to you overnight. We apologize for the inconvenience. 
Attachments XXXX XXXX XXXX ( 18.2 KB ) XXXX XXXX ( 73.2 KB ) Feedback provided Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS When will the internal review be complete - there is no timeline given as to how long the funds can be held? 

I understand the companys response to my complaint No ADDITIONAL COMMENTS I did not ask why my account was closed I asked for my funds to be returned and why the funds are being held for review in the first place. I've given crystal clear explanations about questions related to account activity to bankers at the branch who understand the transactions and they have relayed this information internally. Why is the money not being returned?! If not now, When?! these are my questions yet the only answer I received is that we don't have to tell you why we closed the account ( I already know ) and that the account is being reviewed internally ( again, I already know ). I want to know the following : 1. Why are the funds being held. 2. When ( date specific ) will they be returned. 

The company did what they said they would do with my complaint No ADDITIONAL COMMENTS I want answers to my questions! I do not wish to involve my attorney but unless I can get real answers, what choice do I have?
Product: Debt collection

I have recently obtained a copy of my credit report while trying to get an auto loan and discovered it contains inaccurate information provided by multiple companies. I have since then filed an Identity theft affidavit and sent copies to all 3 credit bureaus and the FTC. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$380.00} I.C. Systems, XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance {$480.00} Along with multiple credit card or device inquiries that are are affecting my credit.
Product: Checking or savings account

Unauthorized transactions totaling {$25000.00} were debited from XXXX Bank of America accounts through XXXX XXXX transfers without my authorization. The details are as follows : Account # XXXX : {$10000.00} debited via unauthorized XXXX XXXX transactions. 
Account # XXXX : {$14000.00} debited via unauthorized XXXX XXXX transactions. 
These transactions occurred in XX/XX/year>. I immediately reported the issue to Bank of America and provided evidence, including a detailed timeline and documentation of the fraudulent activity. Despite multiple claims being filed ( Claim IDs : XXXX, XXXX, XXXX, XXXX ), the bank has not reversed the funds or provided an adequate resolution. 

This has caused severe financial hardship, as I am a XXXX XXXX XXXX  with monthly medical expenses exceeding {$1300.00}. My savings have been depleted, leaving me unable to meet essential living and medical expenses. I have repeatedly requested both a review of the disputed transactions and temporary financial assistance during this process, but my requests have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received information that a " missed payment '' was reported to the bureaus for the month of XXXX. 

The payment was made on XXXX. In XX/XX/XXXX I was charged a late fee for XXXX payment. 

This is correct. Each payment after has been on the XXXX, or XXXX of the month. XXXX was made early. 

The reporting is inaccurate. The balance " DUE NOW '' has been the same since XX/XX/XXXX, with no missed payment reports to the bureaus. 

XXXX was not missed but paid earlier.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Bellow are the details of the disputed accounts : 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 very distressed with how my complaints turned out. I am constantly ignored regardless of my consistent plea for my information to be verified and updated but here we are yet again. I'm getting frustrated that none of my scores are going up because of the inaccuracies that are hindering my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aye ongoing on problem with Experian and XXXX, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

REF TO XXXX AND EXPERIAN : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX XXXX {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance XXXX Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, NY XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and Experian and XXXX do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. XXXX and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX.
Product: Debt collection

In XXXX I rented an apartment from ( XXXX ) Everything went according to plan and ended on good terms. We did a final walk through with no problem. Years later I receive a collection letter in the mail from finance systems. In the amount of {$770.00} XXXX XXXX XXXX XXXX in XXXX XXXX XXXX had already taken my security deposit of {$500.00} and never stated why. 

Now Finance systems keeps destroying my credit for a charge in collections over 6 years ago that I know nothing about! 

Ive already gotten it removed on XXXX and XXXX. Now need it removed on XXXX  ASAP!
Product: Checking or savings account

On XXXX XXXX, 2017, I noticed XXXX unauthorized charges on my checking account as follows : {$50.00} at XXXX {$110.00} at XXXX XXXX {$110.00} at XXXX Shoes I did not recognize any of these charges and immediately contacted my bank and requested my card to be blocked and replaced. My bank indicated they would investigate the charges. 

At some point between XX/XX/XXXX-XX/XX/XXXX the charge of {$110.00} disappeared ( or " fell off '' ). 

At my request, my bank issued a provisional credit of {$160.00} to cover the {$50.00} XXXX charge and ( erroneously ), the {$110.00} XXXX XXXX charge. At the time, I did not notice that they credited me for the charge that had fallen off ( {$110.00} ), rather than the one that stayed ( {$110.00} ). 

I received a reply from my bank this morning stating that they had concluded in their investigation that they determined the XXXX charge was valid and the {$50.00} provisional credit would be reversed. They also stated that the XXXX XXXX charge of {$110.00} had fallen off, so that credit would also be reversed. There was no mention of the {$110.00} charge that remains on my account. I do not know if this charge was investigated or not. 

My bank is XXXX XXXX ( XXXX ) XXXX www.simple.com The length of time this entire investigation took as well as the mistakes made by simple are very concerning and could be costly to me if not resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I believe these accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I request the immediate removal of the accounts listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank of America refuses to refund {$40.00} in fees I paid for checks that turned out to be invalid for the purpose the bank promised. I needed certified checks valid for one year. I asked Bank of America if its certified checks were valid for this duration and was assured that such checks issued by Bank of America were valid for three years despite the 90-day expiration date printed on each check. I paid {$40.00} for XXXX certified checks, or {$10.00} per check. The checks were rejected because the recipient has previously been unable to deposit Bank of America 's certified checks beyond the 90-day expiration date. When I returned to Bank of America, the manager was able to refund the value of the checks but told me that, due to " technical reasons, '' she could not refund the additional {$40.00} in fees. Nobody from the bank can seem to figure out how to refund the cost of the checks. Bank of America should ( 1 ) stop providing conflicting information about when its checks expire ; and ( 2 ) issue a refund for the {$40.00} I paid in reliance on the bank 's faulty advice/product.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUnding had placed an account on my credit reports which I settled. They then turned around and placed an open account on my credit reports after the settlement. I have no account with them and the accounts are settled. The inaccurate accounts that are being reported should be removed immediately from the major credit bureaus.
Product: Debt collection

XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX {$360.00} A call was made to them on XXXX requesting information to confirm the accuracy of this alledge account. The Company has yet to send over documents along with a signature that belongs to me.
Product: Credit reporting or other personal consumer reports

Ive been building my credit over the past year and doing a pretty good job. I brought it up ( XXXX points from XXXX to XXXX ) and was looking at other ways to bring it up even furtherinvestigating XXXX XXXX and mistakenly opened a the line of credit XX/XX/XXXX, however, after researching more in depth, I realized that the credit builder account was for people with lower credit than I had at that point, so I immediately canceled it the same day, XX/XX/XXXX, and withdrew the money I initially invested. XXXX weeks later, on XX/XX/XXXX, my credit dropped XXXX points, the only change having been the closing of that account Compared to XXXX, who had lowered it XXXX XXXX for this account closure ( which I can understand ), TransUnion ( who partners with XXXX XXXX I found out soon thereafter ) seemed a bit extreme lowering my credit XXXX points, so I contacted them and XXXX XXXX and after forever on hold and being transferred back and forth the only answer I received was that opening and closing an account can drop your credit score and that the account was indeed valid ( which I never denied ). I asked why XXXX points? I said the account was opened mistakenly same day, and is there no grace period? An Investigation took place. Again confirming that I did indeed open the account, nothing was done about my credit score decreasing so much. Also, it shows that it was open XX/XX/XXXX and closed XX/XX/XXXX. How can that be correct??? 
( See enclosed photos )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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>