23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against XXXX  regarding their refusal to provide a reasonable discount for early loan payoff, despite my history of on-time payments and the significant amount of interest I have already paid. 
I requested a fair adjustment or settlement offer, considering the financial burden I have already shouldered. However, my request was denied outright without any flexibility or explanation beyond standard policy. This refusal seems unfair and does not take into account responsible borrowing behavior. 
I am seeking a fair resolution, which could include a reduced payoff amount or a review of excessive interest charges. I request the CFPB to investigate this matter and help ensure fair lending practices.
Product: Debt collection

I have never had XXXX XXXX XXXX. I have always used XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on several occasions to update the status of my closed accont. The status is closed and ner late. It is reported late in XXXX and this is inaccurate. XXXX agreed to remove this late reporting. However, this removal with the credit bureau 's has not been updated.
Product: Credit reporting

Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.
Product: Student loan

Navient failed to correctly apply or allocate borrower payments to my account. I signed up repeatedly for autopay and Navient would send me confirmation of enrollment in autopay and then not take out my payment and charge me late fees. Navient refused to give me options to pay by income and forced me to deferr my students loans by paying for this deferment which negatively affected my credit score and interest continued to accrue. As well, they obscured information consumers needed to maintain my lower payments because during school I was told I could have a pay by income option, but did not get that opportunity. Navient also required a full payment weeks after graduation which is not feasible time to secure a job and get a paycheck to make a payment. Navient also lied about requirements to release my cosigners from my loan and it went from XXXX months of one time payments to XXXX years.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me.

Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974.

If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law.

Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Product: Money transfer, virtual currency, or money service

This complaint is against JP Morgan CHASE BANK : I originally filed the complaint to XXXX XXXX. 
I thought the issue was with them. However, once I received their response, with included proof, I now know the issue is with MY bank, Chase Morgan. I've been a client since 1992. 
In addition, I did three walk-ins into Chase, to see the person in charge. Although the employee attempted to be helpful, they could not track down the money XXXX XXXX put back into my account. 
It had been returned to Chase for months! 
The Chase managers told me to contact their customer service department via phone. I did this on four separate occasions only to be transferred multiple times for each call. Once I was transferred nine times! Needless to say, customer support was a dead end and a huge waste of my time. I've exhausted the help I can obtain via Chase employees and their dead-end customer service department. 
This is the reason I'm writing this complaint to CFPB against Chase Bank. 

CHASE BANK HAS MY XXXX. 
IT WAS RETURNED TO THEM BY XXXX XXXX. SEE XXXX XXXX 'S LETTER AND CASE NUMBERS IN ATTACHMENT. 
_______________________________ Original Complaint To XXXX XXXX : Through my bank, Chase, and via XXXX, I sent XXXX, to my brother for medical reasons. I sent XXXX for three months straight, to help him. He just had his XXXX XXXX  and lives alone. It was totally my error! I sent the money to a man in Florida because his phone number was one digit off from my brother 's. I understand XXXX can not refund my money because I made the mistake. However, when I contacted the gentleman in Florida who's phone number is similar to my brother 's, he returned my money to his XXXX XXXX XXXX XXXXXXXX XXXX told this gentleman, that it would be returned to me. They gave him a case number and two reference numbers. They did not give him a reference number for the third and final return of the XXXX. When he returned the final XXXX, they said this was a fraud case and made him change his account number. This statement of fraud confuses me, because nobody is taking money from this gentleman. After I first spoke to the recipient of my money, I made a report with my Chase bank. This report should still be on file. Next, I went to XXXX XXXX with the case number and reference numbers, to see if they could tell me where my money is. I asked them, when will I receive my money? XXXX XXXX said, they can't look up the case number, because my identity can't be proven. I offered to give them my bank information, my social security number, driver 's license, and/or my birth certificate. They said sorry, we can't help you. I went back to my Chase bank to see if they could assist me. They said they can't retrieve my case and reference numbers from XXXX XXXX, either. Bottom line is, XXXX XXXX has my XXXX and I need it back, desperately. XXXX XXXX refuses to look up my case number, and find out where my money is. I don't know where to turn for help. I'm not going to allow a bank to keep my money. Please help me.
Product: Debt collection

On XX/XX/XXXXXXXX  I noticed my created report was hit with an account that was sent to a collection agency. Some XXXX place gave credit to someone using some of my information. My credit has been locked for 8 years. I asked the debt collector to validate my information and they could not. Wrong birthday, wrong home address and wrong phone number. I filed fraud at all 3 credit agencies the same day I called the debt collector. Between XX/XX/XXXX and XX/XX/XXXX all three had reported back and said the debt was valid and accurate. I called the debt collector again and found out the credit agencies gave them the rest of my information, they now said they have my birthday home address and phone number. They replied they are contacting there customer to have the validate the information on there end. XXXX  is the debt collector.
Product: Debt collection

I received a prelegal notice from Midland Credit Management that I have a debt of at XXXX XXXX XXXX. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.
Product: Mortgage

XX/XX/XXXX Called due to an issue with Property Taxes not being paid. 
Discovered that the prior owner did not pay the XXXX property taxes that were due in XXXX. 
Was asked to submit the property tax statement and submitted the same day. 

XX/XX/XXXX Received a letter in the mail dated XX/XX/XXXX that my property taxes had been paid. I checked my escrow balance and discovered that they had paid my property taxes twice taking out an additional {$4000.00}. I immediately called the bank and let them know about the error and they said they would submit a stop payment and if that was too late would work on a reversal. 

XX/XX/XXXX I received a payment analysis that changed my current monthly payment from {$2600.00} to {$3600.00}. This was calculated with and additional {$4000.00} being taken out of my escrow account and my future tax payments being {$4000.00} every six months when my payment should be {$1900.00}. I immediately called the bank to inform that that my escrow analysis was incorrect. Even giving the benefit of the doubt that my current escrow balance was incorrect and the analysis was performed on incorrect data they still incorrectly calculated my future tax payments. 

XX/XX/XXXX I received a message stating my tax issue had been resolved. I checked and my escrow balance had been fixed. 

XX/XX/XXXX I still have not received a new escrow analysis and my payment is still the incorrect amount. I called the bank and informed them of the issue. Initially I was told there was nothing that could be done for the XXXX payment as the escrow analysis has to be performed at least 30 days prior to the payment date. I informed them I had notified them the escrow analysis was wrong the day I got the letter and that it was at least 30 days prior. I informed them I was unable to make this payment and that their mistakes were creating an undue financial hardship on me. They stated they were going to try and escalate getting an immediate escrow analysis completed. 

If this is not corrected within the
Product: Debt collection

Hello I am being contacted by a company called diversified consultants inc.  They are calling me multiple times a day and within less than a 2 hour  window each time. They are continuing to call me after having contact with me same day. When I try to call them back to discuss issues with them they disconnect the call. I am not using profanity or raising my voice and they are disconnecting the call and telling me to " be nicer ''. I believe this is a tactic to harass me and it is extremely unprofessional. I have asked several times for them to not contact me any longer and they are still calling. The actions are not only unprofessional but illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was reporting outdated information ( from XXXX 2017 ) regarding a XXXX XXXX credit card account for which I am an authorized user. My wife is the primary account owner. We contacted TransUnion and they advised that they had simply not received updated information from XXXX XXXX  and that we should submit a dispute. We were not advised that by submitting a dispute, TransUnion would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my TransUnion credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan. We requested to withdraw the dispute from TransUnion, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact XXXX XXXX and request that they either call the " local TransUnion marketing office '' or submit a request to update. We submitted documents in writing to both TransUnion and XXXX XXXX requesting this. XXXX XXXX  advised that they can not call the marketing office and repeated efforts to request them to do so have failed. XXXX XXXX advised that they investigated out situation and sent over a request to TransUnion on X/XX/2017. TransUnion advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have XXXX XXXX call the office ( which they refuse to do ). TransUnion is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. XXXX XXXX refuses to assist further.
Product: Credit reporting or other personal consumer reports

I spoke to supervisor about my hard inquiries and he advise me he will remove them, he never did. He said they was working on XXXX XXXX and XXXX XXXX to be removed and the hard inquiries was due to fraud and XXXX on my collection and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been contacted mutiple times to correct fraudulent collections from the same company. The following are the issues : 1. 2 for XXXX {$210.00} and {$220.00} ( certified letter attached that was sent to XXXX WITH copies of the cancelled checks! ) 2. FTC Complaint attached : XXXX XXXX XXXX NEVER anything sent to me by this company. I have filed a complaint with the FTC and the CFPB against this " collection ''. Their are violating my rights under the FDCPA by not contacting me on this and reporting this to my credit report and I am requesitng action be immediately taken against them.. 
I am sending a certified letter and contacting an attorney on this immediately after the holidays.In the meantime, companies who do this and hurt consumers without giving them a chance to defend themselves, need to be fined, censured, or shut down.

3. I told Equifax I NEVER lived XXXX XXXX XXXX in NJ. NEVER. Yet they will not take this off my report. 
These actions are a serious violation of my FCRA rights.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i cashed out of cashapp and its was never deposited to my account i filed a claim and never heard anything back until XX/XX/XXXX i received a email stating they determined i was owed a courtesy payment of {$5000.00} and i would have to make a new cashapp to receive payment because my account was closed i replied and stated i was unable to make a new on because i was in violation of their terms i went on to make the new cash app with the cashtag name @ XXXX and sent them the info and called i was asked to verify my information and the cashapp was closed after i received a email stating they deposited the funds to some one else account with cashtag @ XXXX they didnt verify my personal information or anything when doing so i emailed multiple times to have it corrected and i kept getting the run around now iam being told they can not give me any more support and will be closing my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a previous complaint against Experian in complaint number XXXX. 
I explained that someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Experian that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Experian is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do. 
After submitting that information they responded they need authorization from me. The authorization was provided when I called them and told them that they are reporting a fradugelent account. They are sending computer generated responses not to delete this account. Please again I am asking this account be deleted.
Product: Mortgage

We currently have an escrow account with US Bank. In XXXX XXXX XXXX we received notice from XXXX XXXX XXXX that our account was in default. Our property taxes had not been paid for the entire year with a balance of {$3400.00} and deliquent fees of {$650.00}. 

What we learned was that their was one parcel number change and that US Bank computer disregarded it. The county sends all banks property owners names and parcel numbers that need taxes paid. Our names were on file with one parcel number that was different. we believe this should have been flagged. But we were unaware till notification in XXXX. After contacting the mortgage department, they assured us that the taxes would be paid and they would pay the deliquent fee. 

We have received notice that US Bank is charging us for the deliquent fees plus adding on an escrow advance amount of {$1100.00}. All we are asking is that the bank refund the deliquent fee and the advance escrow fee and we will bring our escrow account up to date. But prior to this we had sent a letter in regards to closing our escrow account, because of what happened. US bank responded with a fee of over {$600.00} to close this account. Mentioning it had something to do with RESPA. I reminded them that we did not do a mortgage loan with them. They had bought our loan fromXXXX XXXX XXXX XXXX XXXX XXXX ). We set up the account just like we did before. There was nothing mentioned in fees if we chose to close the escrow at a later date in any of the Bank or Title disclosure paperwork.
Product: Checking or savings account

On XX/XX/2020, I successfully deposited {$1400.00} in cash to Chase bank at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I received a receipt, which is attached to this complaint, that proves the funds were successfully deposited to my bank account. In addition to being a receipt for the deposit transaction, it also proves that the balance posted to my account as available funds. 

On XX/XX/2020, I went to make another deposit at the ATM and my debit card did not work. I spoke with a teller who advised that my account was closed. I did not close my account. In regards to the {$1400.00} in question, the teller told me that the deposit was " rejected. '' I have proof, and so does the bank, that it was not " rejected. '' The funds posted to my account.

I was advised to call the number on the back of my debit card to file a " claim. '' The representative at that number said I can not file a claim because my account was closed, and that the branch manager had to. 

I filed the claim, and there is material fact ( evidence ) readily available that proves I deposited {$1400.00} to my account. However, I am being made to wait for an indefinite amount of time for an " investigation, '' and " physical inspection '' of the ATM. The evidence is in the documentation - I should not be made to wait excessive periods of time for an " investigation '' when the facts are apparent.

This is not an inconsequential amount, and my ability to pay bills is in question without the funds.

Do not do business with Chase - " programming errors '' or whatever excuse they may have does not relieve them of their responsibility to immediately provide me with my funds.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : [ Describe the inaccurate personal information, such as incorrect name, address, date of birth, social security number, etc. ] Address update XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX Number update - ( XXXX ) I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute.