23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been receiving phone calls starting at XXXXXXXX XXXX back to back multiple times I believe I counted as many as six calls before XXXXXXXX XXXX., when I answer the phone no one will speak I can hear background noise and voices in the background but no one ever acknowledges that I answered the phone. I have called to complain but they say initially they have not called until I say that I am making notes of this and have the call logs and are going to submit a complaint to consumer Finance protection bureau, then suddenly they are aware of the calls and sight technical issues or some other unknown issue. The phone calls however do not slow nor do they stop not speaking when I answer the phone. I have been receiving XXXX XXXX  over the past few months, I do not believe that it is this company that is sending them, but when you receive XXXX XXXX alongside phone calls where no one will speak constantly it becomes unnerving and unsettling quickly. I have made my agreements known with the company to no avail and I'm now reaching out to my government for help. Is there anything that can be done about this? And should I contact an attorney about the harassment? I am afraid and unaware of what steps to take next about this issue, any help would be greatly appreciated. I will gladly give the call log history upon request because I think I have to pay to get a detailed list going back that far. Thank you have a nice day.
Product: Credit card

AAA Financial Services ( Bank of America ) account - I had a balance transfer of {$3400.00} on XXXX/XXXX/15. I paid the balance of {$37.00} on XXXX/XXXX/15 before the due date XXXX/XXXX/15. The balance was {$0.00} but I received a statement for {$15.00} interestwhich I paid ( XXXX ) on XXXX/XXXX/15. I closed the account ( XXXX ) on XXXX/XXXX/15. I requested a final statement showing the {$0.00} balance and that the account was closed on XXXX/XXXX/15. On XXXX/XXXX/15 ( Georgia ) I called again because I had not received the final statement and documentation that I closed the account. As of XXXX/XXXX/15, I have not received a final statement nor the documentation that theaccount is closed.
Product: Credit card or prepaid card

I used Chase Freedom Credit Card in XXXX XXXX XXXX XXXX to buy a suit with pant. According to XXXX XXXX policy, it's well known for both the shop in XXXX and the website of XXXX XXXX that they provide 1 year warranty for themselves. For Chase Freedom Credit card, it provides additional 1 year warranty outside of the automatic 1 year warranty. My pant broke after 1 year but within 2 years range. I filed claim to Chase asking for the insurance cover for my pant purchased at XXXX XXXX XXXX XXXX. 

Chase refused my claim and closed it saying it requires me to provide the 1 year warranty pdf file from XXXX XXXX. I contacted XXXX XXXX customer service, and I was told that they do provide 1 year warranty to their suit and pant, but they don't have that warranty policy as a PDF file on their end. 

Since I don't have such a PDF file of XXXX XXXX suit 1 year warranty. Chase refused and rejected my claim for the broken pant. I think this is ridiculous. Chase try to avoid paying customer the insurance coverage by requesting impossible file from customer which violates the main goal of their credit card insurance policy. If they can't provide insurance coverage for customer using their credit card buying merchandise, they shouldn't say they provide insurance coverage for merchandise purchased by their credit card. I want my full refund of the payment for my suit and pant purchased using Chase Freedom Credit Card.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX takes over my mortgage from XXXX on XX/XX/XXXX after 5 years with XXXX and zero issues. 

XX/XX/XXXX my homeowners insurance was to be paid by the Mortgage company ( XXXX XXXX XXXX  ) the money was in my escrow account {$1500.00} i was notified that my insurance was not paid because of an issue with my address. I checked my escrow account and it showed the {$1500.00} was in fact deducted from the account. 

I went to my insurance agent and they in fact have never received the payment, so i paid the insurance out of my pocket and had them fax the insurance documents to Rushmore.

again i am notified that i have no insurance and Rushmore is getting an outside insurance to add to my house. again i call and have my agent fax the documents to Rushmore.

I call and talk to Rushmore and they say that it isn't their fault that the insurance was not paid, so i ask where the {$1500.00} is from my escrow account with nothing but run around from them. i tell them have the statement where the money was withdrawn from escrow and it was never paid. it still does nothing to help my case.

I pay a lawyer to advise me, and he tells me to send the documents return receipt requested. and i in fact do send them the insurance documents on XX/XX/XXXX and i then get the return receipt back that they signed XX/XX/XXXX, and still they add insurance at {$41.00} a month. and Rushmore still says that it was added because i let the insurance expire? 

They are charging me {$310.00} a month to my escrow account and the only things they pay are {$41.00} for their added insurance, {$50.00} for taxes and {$92.00} for PMI. which i asked them to drop because i have kept up my payments for 6 years, and they replied no because i had let my insurance expire. which was actually them.
Product: Money transfer, virtual currency, or money service

Im officially expressing my concerns regarding how Zelle handles complaints in light of the recent CFPB lawsuit that covers challenges with the platform. Despite using Zelle and reporting challenges to my institution, Zelle did not investigate these claims sufficiently. They shared that they were unable to recover or track lost funds. The CFPB shares that Zelle did not protect consumers and has allowed repeated offenses leaving consumers open to scams. Lack of transparency and accountability is concerning and unsafe for consumers
Product: Credit card or prepaid card

On XX/XX/2019 i received my direct deposit as usual on my American Express Bluebird card, i used the card for a few purchases before and after my direct deposit was received. However on XX/XX/XXXX i attempted to use my card and it was declined, i called american express bluebird and received a message stating " Your account has been permanently closed please check your email for more info, i checked my email and received a letter stating that my account was closed and i would receive my remaining funds by check to the address that was on file but no information as to when i will receive a check what was my final balance what is the address on file i opened this account years ago and since i have moved, how can i confirm if they still have my correct address if when i call the system hangs up on me after warning me my account has been suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Mortgage

Chase bank consistently mismanages the Escrow and engages in fraudulent practices of incorrectly assessing escrow. Without a significant change in county/ city taxes or insurance they just increased the mortgage payment by about {$1000.00} per month after 5 years of regular payments. Chase bank does not provide visibility or an option to pay taxes separately.
Product: Checking or savings account

Between XX/XX/XXXX through XX/XX/XXXX my information was apart of a security data breach. The criminal used my personal information social security number, address, phone number. I dispute this claim more that 10 plus times the amount is XXXX was transferred to someone I dont even know for a pay any ton Chime. This is too much to handle I am a single mom it was my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this information doesn't belong to me I never had a XXXX XXXX or XXXX card. please help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED 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 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 =========================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

EXPERIAN CONTINUES TO LIST ON MY CREDIT REPORT NAMES AND ADDRESS THAT DO NOT BELONG TO ME .AND IT NEEDS TO BE REMOVED AND DELETED AND UPDATED WITH MY CORRECT NAME AND PRESENT ADDRESS ONLY!!! 

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Product: Debt collection

On XX/XX/XXXX, I contacted a loan officer at my bank and attempted to take a small personal loan to pay bills until my unemployment went through. I was denied on XX/XX/XXXX, and told that as a new collection account had recently been opened, I was deemed to great a credit risk. Within a few days, my auto insurance renewal premium also went up. After checking all 3 major credit bureaus, I became aware of an account listed as " Opened XX/XX/XXXX, by Ability Recovery Services , LLC. '' This account is actually from XXXX. The fact that Ability is not even the first 3rd party agency to own the account, shows that they intentionally misrepresented the age in an attempt to " revive '' the account. This is a violation of WIS 427.104 ( 1 ) ( c ), and therefore by being illegally represented, a violation of FDCPA and FCRP.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, my wife and I noticed ( 3 ) fraudulent charges on our joint checking account. All ( 3 ) charges were schooling related - XXXX XXXX and XXXX XXXX. Neither my wife or I are involved with any form of schooling, we don't have children, and we don't have other family members with access to our accounts. We called and filed a claim with Chase Bank for these charges. Sometime the week of XX/XX/XXXX, we received a letter in the mail from Chase Bank stating that they had concluded their research into the claims and found that the XXXX XXXX charges were valid and that they were taking that money out of our account ( {$110.00} ). We called Chase on Monday, XX/XX/XXXX to figure out what was going on. Chase informed us that the billing address and zip code used in the fraudulent charge matched our actual address and zip code, so they denied the claim. What they did NOT tell us, was that the email used in the purchase was XXXX ( we discovered this later on through XXXX ). My wife and I had to spend our work day digging into this and figuring it out because Chase told us that there was nothing they could do. I spent hours on the phone trying to get ahold of someone at XXXX XXXX after Chase told us they weren't going to help us. Finally, we got a hold of someone at XXXX who told us via email that the XXXX was used with the purchase. This email address is associated with a college in New York. After finding this out, I called Chase again and talked to them about the findings and faxed the findings over to them in order to try and get a refund. However, we haven't received anything back from them as of yet. Chase informed me on my final phone call with them that when they do their investigations, as long as ( 1 ) of the pieces of information in the fraudulent activity match ( email, address, name, etc ), they will automatically deny the claim. So we were denied our refund originally because the person who used our card number illegally had my wife 's name and our address, but yet the email address was based out of New York! 

This complaint is not against XXXX, as they did what they could to help us. This complaint is against Chase Bank. They have an entire team who are paid to investigate fraudulent charges on peoples accounts. They completely overlooked the New York email, denied us our refund, and forced my wife and I to do their research for them. Anyone with the slightest amount of common sense would have looked at the email and red flagged it immediately. 

As of 24 hours after providing the findings to Chase, we still do not have a refund for our {$110.00}.
Product: Vehicle loan or lease

I got a car loan from XXXX XXXX on XX/XX/XXXX and I had gotten behind on my payments. They said I had been given nine extensions, but could not send me proof. This year XX/XX/XXXX I caught up on my payments. In XX/XX/XXXX I talked with a man named XXXX and he took my XX/XX/XXXX bill on XX/XX/XXXX. He then told me that I had been paying on this loan since XX/XX/XXXX, gotten behind, but still owed over 15,000 thousand dollars. I don't understand how I paid XXXX for 4 years and still owe that much money. I am behind on XX/XX/XXXX payment because my husband had a XXXX XXXX XXXX and we cant afford to pay. I am XXXX but can not receive money due to my husband 's income ( before his XX/XX/XXXX XXXX  ). They suggested I voluntary give them the car back, they would sell it and charge me the difference. They wont let me refinance or even lower my payments. They are very rude and talk down to me. They don't call anymore, they send a letter everyday, and emails. I don't want to give the car back, I want to make payments to them but they don't want to work with me. I just called the automated assistance with regional acceptance, my bill is XXXX. I still owe XXXX if I pay it before XX/XX/XXXX. My principle balance is XXXX.
Product: Mortgage

I use Specialized Loan Servicing for my mortgage. 

I have asked repeatedly since XXXX how to switch to a weekly draft, and they have failed to provide details. I made an extra payment in XXXX, per the customer service instructions, to be eligible. This did not work. When I called back, they told me the previous customer service rep was wrong. 

I am now told that in order to switch to a weekly draw, I need to prepay XXXX additional mortgage payments ( through XXXX ). This is after I made an additional full contractual payment. 

The last time I spoke to customer service, I expressed a desire for a guarantee that if I made an extra payment, I could switch. The rep did not provide that guarantee, she said I could try it. When I said I needed a guarantee, she stated that if I needed a guarantee maybe I couldnt switch. 

Additionally, I made an extra payment on XX/XX/XXXX and XX/XX/XXXX. I dont know if those payments were applied, since my due date of XXXX remains the same.
Product: Debt collection

Was contacted by XXXX XXXX XXXX XXXX claiming I owed {$490.00} to PayPal Inc. I have verified with PayPal I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.
Product: Credit card or prepaid card

On XX/XX/2019, I entered into an agreement with XXXX XXXX XXXX to install shades in my home after the Woolsey fires. Everything had been removed from my home, including drapes and shades. I was not living in the home as there was much smoke damage. I was staying in an XXXX XXXX XXXX XXXX Installation was supposed to begin on XX/XX/XXXX. In reality, the installation did not start until XX/XX/2019. That is when the nightmare began for me. In short, the installation was substandard and all the attached e-mails and communication between me and Citibank will explain the details. They had to come back 4 or 5 times because many of the shades were defective. I paid the initial {$15000.00} as a down payment back in XXXX. Even before they started the job, they took the 2nd payment on XX/XX/XXXX and they didn't start the job until XX/XX/2019. I was billed by Citibank. I immediately called them to say that I did not authorize payment until the job was completed and done correctly. As it turned out, there were so many problems. I have 12 French Doors on the first floor of my home and none of the doors could be opened because the valence for the shade was too thick. They refused to do anything saying that it was my fault because I selected those shades. Aren't they the professionals and shouldn't they have advised me that those shades would not work with my doors? Why even show them to me if they were not right for my home? After I called Citibank to dispute the charges, it took 6 months for the XXXX XXXX to come back and remove the shades that didn't allow me to open the doors. I trusted they would replace the shades with something comparable and that would work. The dispute started with my XXXX statement. The XXXX XXXX  came in XXXX to replace the shades with the absolute cheapest shades with no motors that I had initially paid for. They were NOT willing to reimburse me for this much cheaper product. I told them to just come and remove them completely and I would go with another company because I had had so many problems dealing with them. 

I told Citibank to please NOT pay them the second installment because it was the only leverage I had to get them to deliver. Citibank paid them anyway and the dispute continued and they started charging me interest on the disputed amount. The total interest charged was {$590.00}. It kept accruing month after month even when I would call and say this is not right that I be charged interest on a disputed amount. Every time I called, I would get the run around, like call back in 10 days or 2 weeks. Finally I wrote them a letter that I would pay the whole amount with the interest because the amount kept escalating, but I felt it was wrong and illegal and I wanted it on the record. As soon as I paid the whole amount, they closed the case not in my favor and I still have the shades that I don't want and that I paid for a much higher quality. I feel this is so unfair as whenever I have had any issues with XXXX XXXX, they always advocated for me, the client. I will NEVER use Citibank again. They were the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership and found a car agreed to finance it through XXXX. Instead of 1 hard inquiry they forwarded my information to two other places and now I have 3 hard inquiries. The inquiries were not agreed too neither did I have prior knowledge of this. The 2 inquiries that are fraud and need to be removed are for XX/XX/2019 Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX I spoke with the finance manager XXXX XXXX at XXXX XXXX and she confirms it was a mistake on their end and is trying to remove it. XXXX has been a nightmare to deal with the reps just hang up when you try to explain the issue never did I receive a call back.
Product: Student loan

Hi, In XX/XX/XXXX, I signed up for an income driven plan with my loan servicer, Nelnet. I went into my account in XXXX, and found out Nelnet took me off my payment plan. I was supposed to owe {$0.00} until XX/XX/XXXX. Now, it says I owe over $ XXXX/month beginning in XXXX. I contacted customer service, and they sent me a generic email telling me to reapply for a repayment plan. I reapplied, and then they sent me a generic email saying I needed to recertify instead of apply. I sent my new application in on XX/XX/XXXX, and I still havent heard anything from them. I feel like they are giving me the run around and no one will tell me why my income driven plan is no longer active. Ive sent multiple emails, and Ive tried calling. The current call wait time is over 40 minutes. I once had them call me back, and the phone hung up once I picked up the phone. Im trying to get a mortgage on limited income, and a $ 1200/month payment is basically my whole XXXX check. The mortgage letter on the Nelnet website currently says I owe over $ XXXXmonth. This is ridiculous. Ive attached the original income driven repayment plan letter.