23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Abri una cuenta el XXXX XXXX  XXXX XXXX XXXX realice un deposito al abrir la cuenta, nunca me dieron el acceso a la banca en linea y me dijeron que la cuenta iba a ser cerrada todo esto luego de abrir la cuenta y realizar el deposito a los 4 dias recibi la tarjeta de debito llame y consulte el balance y la cantidad depositada estuvo disponible por 4 dias, cuando trate de realizar una compra en un supermarket la tarjeta se suspendio y recibi una carta dandome la bienvenida el XXXX XXXX XXXX llame y me dijeron que las cuentas estaban cerradas y que me enviaron cheques con el dinero en la cuenta al momento del cierre y no me dieron mas informacion solo tengo los documentos que adjunto como prueba y para que vean las incoherencias entre los diferentes departamentos de Chase y su mal funcionalidad. 

I opened an account on XXXX XXXX, XXXX, I made a deposit when opening the account, they never gave me access to online banking and they told me that the account was going to be closed, all this after opening the account and making the deposit to the 4 days later I received the debit card, call and check the balance and the amount deposited was available for 4 days, when I tried to make a purchase in a supermarket the card was suspended and I received a letter welcoming me on XX/XX/XXXX, call and they told me that the accounts were closed and that they sent me checks with the money in the account at the time of closing and they did not give me more information. I only have the documents that I have attached as proof and so that you can see the inconsistencies between the different Chase departments and their malfunction.
Product: Mortgage

I'm working with Roundpoint Mortgage. I pay {$3300.00} per month. I made the prepayment of {$15000.00} ( {$4000.00} once and then {$10000.00} ). I was hoping the payment to automatically reflect that but it didnt and when i called i was told that i need to apply for a mortgage recast. I mailed in form the customer service rep told me to mail in and even emailed the same form on the XXXX of this month. I called again after mailing it out and spoke to the same rep who told me that she'll mail out another application after they receive my form. I asked her to email that to me to expedite the process to which she told me they dont email it out. I was surprised as to why would they not email it to me and why only mail it? It clearly looks like they are tyring to delay the recast process so that they dont reduce my payment even though I've prepaid {$14000.00} towards my principal. 

So i followed up today on this and asked the agent when are they going to mail me that application? He confirmed that they have received the form i sent in last week and said they have assigned a rep for this and that they are not going to mail out the application. This is not what i was told last week. Then this rep transfers me to 6 different people and everyone looks like is trying to give me a run around just to prolong the recast process so that the ROUNDPOINT Mortgage doesnt reduce my payment even though they have received {$14000.00} in prepayment towards the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

with this company. In additionally, I have sent in a copy of my police report to XXXX, TransUnion, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX XXXX CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number XXXX # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, Transunion, and XXXX listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
Product: Credit card

I am writing to formally dispute the inaccurate debt information you have reported on my credit report. This debt is erroneous, and I request its immediate removal. This letter also serves as notice of my intent to escalate this matter through arbitration should it remain unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information, and your agency is obligated to investigate and correct errors. This alleged debt does not belong to me, and my previous communications on this matter have not yielded a satisfactory response. 
Further, your agency is subject to arbitration for disputes per the arbitration clause stated on your website and the XXXX XXXXXXXX XXXX XXXX XXXX ) rules. Proceeding with arbitration may be significantly more costly than resolving this matter directly.

Arbitration Costs To illustrate the financial implications of arbitration, here is a breakdown of typical fees based on XXXX current fee schedule : Arbitration Filing Fee : {$300.00} to {$2000.00} ( depending on the amount of the claim ) Case Management Fee : Approximately {$1000.00} Legal Costs : May include costs for legal representation and other incidentals related to the Arbitrator 's Fees : {$1500.00} to {$2500.00} per day To resolve this dispute amicably and avoid these substantial arbitration fees, I am offering a one-time opportunity to settle. I request {$3000.00} in compensation for the emotional and financial distress caused by this reporting error, in addition to the immediate removal of the disputed trade line from all credit reporting agencies.

Additionally, I demand that you cease all direct communication with me regarding this matter except via postal mail. As per 15 USC 1692c ( c ), once notified in writing, a debt collector is legally prohibited from further communication by other means : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond within 30 days to confirm your agreement to delete the trade line and settle the matter with a {$3000.00} compensation. Failure to respond will result in my initiation of arbitration proceedings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX All Rights Reserved Without Prejudice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/2024 Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. 
I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I saw a XXXX post from a verified user offering a XXXX for sale with money going to charity. 
The user and I exchanged messages and I then sent {$540.00} to them from my Bank Of America account using XXXX. 
Later that day I saw on the same users XXXX account that their XXXX had been hacked and everyone had been scammed. 
I immediately called Bank Of America by phone and the agent transferred me to speak with someone from XXXX. 
The person from XXXX said that there was a 50/50 chance that I would get my money back, but I probably wouldn't. And even if I did it would take about 4 months. 
I then used XXXX site to file a complaint with the FBI. And I then contacted XXXX, but as of now, I have not received a reply. 
Today, XX/XX/XXXX, I went to speak to Bank Of America in person and as soon as I said " XXXX '' the person shook their head no and said there was no protection for me and that they don't even recommend using XXXX at all. To me, that was odd considering Bank Of America promotes the use of XXXX. 

So now I'm stuck. I used XXXX to send money to a person they said was verified, using the XXXX service which my bank encourages me to use, and now nobody wants to help me. It's as if the scammers have all the protection and I have none.
Product: Credit card

Hello cfpb AI, Discover sued me. I hired an attorney and negotiated a settlement with Discover 's attorney, XXXX XXXX. I paid {$7000.00} as agreed. The matter needs to be wrapped up now.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 for account number XXXX : American Education Services are causing me financial harm by reporting. 15 usc 1681A states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They do not have my authorization/written consent to report per 15 usc1681-c2, its considered identity theft. This also involves Invasion of privacy which is the infringement upon an individual 's protected right to privacy through a variety of intrusive or unwanted actions. Attach is a copy of my consumer report containing them reporting transactions and experiences.
Product: Debt collection

I am disputing the presence of a fraudulent account on my credit reportXXXX XXXX XXXX XXXX. I have identified it as fraudulent after a thorough review of my credit history and request its immediate removal. I was a victim, and I'm puzzled as to why the other bureaus have complied, while this one seems to ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you CAINE & WEINER are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you CAINE & WEINER used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to CAINE & WEINER ; You CAINE & WEINER shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You CAINE & WEINER are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you CAINE & WEINER is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
Product: Mortgage

Following is a letter to the Mortgage Servicer, I ; m request to forward, with a brief explanation of the problem : XX/XX/XXXX To : Shellpoint XXXX. XXXX XXXX XXXX, SC XXXX Ref : Account No. XXXX. 
Dear Sir/Madam : On XX/XX/XXXX I received a communication informing that my monthly payment was increased. Through my lawyer, I rejected this increase, since it not came from a correct escrow analysis. I have continuing receiving statements with the same wrong figures, three months after that, and there has not been any action by Shellpoint to  correct it. But the issue has a long history, see the following : On XX/XX/XXXX I filed a complaint with CFPB number XXXX, regarding serious errors on the Escrow Analysis for XXXX. 
The response dated XXXX XXXX recognizes the error and, due the Mortgage servicing was transferred to Shellpoint on XX/XX/XXXX, the error was never been corrected. 
Note, that I received a letter informing the change, dated XX/XX/XXXX, almost 6 months after the change took effect. I expect the previous Mortgage Servicer had transfer the complete account, with all the archives and pending items. 
As a result, since then I have received monthly statements with the incorrect figures. 
Fortunately, The Taxes and Interest Report for XXXX had the correct numbers. 
On the Escrow Account there were enough funds to pay for Property Taxes and Homeowners Insurance by the end of XXXX, and after that the remaining balance was enough to keep the same monthly payments on XXXX. In addition, I requested to transfer the Unapplied Funds, that were at {$1200.00} by the end of XX/XX/XXXX, to the Escrow Account, to avoid any other increase on the monthly payments, since the reduction of the monthly payments for XXXX was due to the existing escrow funds from XXXX. 
Consequently, Im requesting the following : -Escrow analysis for XXXX and XXXX, with the correct figures. 
-Monthly Statements from XX/XX/XXXX through XX/XX/XXXX, with the correct figures. 
These must be done, as soon as possible, since the actual Mortgage Servicer, doesnt have the complete correct numbers, As I can see on the Monthly Statements, and in addition, the Interest Report I have received for XXXX doesnt indicate the correct amount. 
Last, but not least, I declared Bankruptcy Chapter XXXX, on XX/XX/XXXX. On XX/XX/XXXX, we signed off the Loan Modification, then after that I continued doing the monthly payments, on the amount as indicated. The amount paid on the statement is incorrect, since I have paid the Monthly payments, since XXXX, XXXX. 
Have a great day, thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. 

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile. 

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.
Product: Debt collection

Amerifinancial Solutions at XXXX XXXX XXXX, XXXX, MD XXXX has been sending me collection notices in the total amount of {$670.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I got a phone call from an ex girlfriend saying she was being garnished because I didnt pay my HOA dues. She sent me the name of the law firm that was trying to contact her and told me I was being charged daily interest on over {$5000.00} worth of hoa/lawyer fees. As I havent lived in that house this was news to me. So I called vial & f othering ham for two weeks. TWO WEEKS. I left voicemails, was sent to debt collectors who had full voicemails which made it impossible to leave XXXX  and left voicemails to the ones who werent full. I finally refused to get off the phone until I spoke to someone. She told me she was on vacation and asked if I had ever heard of it. I didnt even understand what was going on. They were charging me $ XXXX of dollars without me even knowing it. Without XXXX  my name to find my address. Or my email. Or my phone number which are all public. Or going to the dmv to find out which state I lived in. Anyway, the debt collector told me she didnt care that I was being charged daily interest while she was on a two week vacation. So I XXXX  the firm. Their reviews are littered with the same thing. They run up the amount of money people owe them without them knowing, and then they dont pick up the phone or call people back when they call in to make a payment. It seems highly illegal to be a debt collector whos responsibility it is to collect debt, and then not be available to collect the debt when people WANT to pay it. All while making interest daily. That seems like the best business in the world. Get a court order, collect interest daily, and never return their calls. Every day they were making money by not returning my calls or emails. All while adding insanely inflated {$400.00} charges and not giving my the ledger showing everything.
Product: Credit reporting or other personal consumer reports

I just recently look at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXX XXXX XXXX XX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 
XXXX XXXX XXXX XXXXXX/XX/XXXX, Please delete this inquiry due to violation of 15 UCS 168 1b. 


Attached : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX