23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I had to hire XXXX XXXX XXXX for an IRS issue because three accountants I had previously could not figure out how to resolve the issue. The issue was an Accountants method of handling depreciation. I had to pay XXXX {$12000.00} which I had to spread over three credit cards because I am at poverty level I only make {$25000.00} a year. 

I had to sign a contract to allow them to charge my credit cards. I had no choice because I needed someone to handle this matter. From day one it was nightmare dealing with XXXX because you never get to speak to real accountant just case managers that no nothing about taxes. They just are the in-between person to get documents when needed. Anyway in the so called Resolution phase of my matter which is the offer to the IRS. The IRS sent me an important letter responding to XXXX offer which was rejected and I had 30 days to respond back. So I had faxed the letter on Wed. evening twice to XXXX the fax machine indicated the fax went through twice. I then e-mailed my case manager the next day Thursday to ask if she rec 'd my fax. No response I e-mailed her again. No response. On That Thursday afternoon I called her and left message no response. On that Friday I called three times throughout the day no call back. Monday came no call back I now am panicking so I filed a BBB complaint against XXXX called all the credit card companies to start disputes on all the charges. I then had to hire another Tax Lawyer in Maryland to handle this case for {$1000.00}. 

I put this in dispute with XXXX XXXX XXXX for the {$4000.00} charged to my card. XXXX originally told me that they had enough facts to credit my account, but XXXX told me on the phone if I did not settle with them for {$1800.00} and drop all complaints and bad reviews I would not get a dime. They also told XXXX had sided with them before XXXX even told me they were not going to honor my dispute. So I was blackmailed into settling for the {$1800.00}. Also while on the phone I had to sign release and delete all bad reviews and give XXXX a five star rating. So with my financial situation I had no choice but to take the {$1800.00} because I needed money to pay my credit card bills. 

I then find out XXXX in fact had agreed to side with XXXX without advising me of the same. I then wrote back with further details of what took place. They told me in a letter that if I had more information to supply the same. I did so and never rec 'd a response back. When I got my bill on XX/XX/XXXX XXXX had put back the {$4000.00} and when I called to speak to the dispute dept person answered knew of my situation and then said I will get someone to help I was put on 20 min hold no one ever answered. They dropped the ball and I never rec 'd the service I contracted for and was blackmailed into settling for pennies compared of what XXXX charged. XXXX was very unprofessional and now are hiding under a rug. They have no answer for their actions. I even have my business account with them and told them I would close my account should they honor this and I will go forward with pulling my account.
Product: Credit card or prepaid card

Citi bank Costco card Terms minimum credit limit {$500.00} They wont let me lower my limit lower than XXXX I want the limit to be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX at Bsi financial on multiple occasions about credit reporting and my payments being reported as late when they were on time when XXXX reported that it would be reported correctly when my modification was finalized. After my modification was finalized and payments were made on time I made multiple calls to get this fixed. To no resolution. Even after modification was finalized they continued to report my payments as not on time and have failed to correct that within a timely fashion. I have been dealing with this issue on both end since XX/XX/2018. I have never received a written response and received maybe two phone calls in reference to this
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding the mishandling of a dispute involving an inaccurate and fraudulent account reported by XXXX XXXX. Despite providing Experian with a comprehensive set of documents, including an FTC Identity Theft Report and a police report from the XXXX XXXX XXXX XXXX XXXX ( Report Number : XXXX XXXX ), Experian has reinstated the account on my credit report after initially removing it. 

The account in question does not belong to me, and I have no knowledge of this debt. Both XXXX and XXXX have rightfully removed this account from my credit report after reviewing the evidence I provided. However, Experian has chosen to rely solely on the certification of XXXX XXXX, disregarding the substantial proof of identity theft that I submitted. 

Experians actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ), which requires credit reporting agencies to block information resulting from identity theft upon receiving an identity theft report and supporting documentation. Experian initially complied with this by removing the fraudulent account but then unjustly reinstated it based on the creditors word alone, which undermines the protections afforded to consumers under the FCRA. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a credit reporting agency must conduct a reasonable reinvestigation if the consumer disputes the accuracy of information. Experians reliance on XXXX XXXX  certification without thoroughly considering the evidence I provided suggests a failure to conduct a proper reinvestigation. 
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information relating to a consumer if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given the identity theft report and police report I provided, Experian should have questioned the validity of the information supplied by XXXX XXXX. 
Experians decision to place the burden of proof on me, despite the overwhelming evidence of identity theft, is unacceptable. This decision has negatively impacted my credit score and caused undue stress.

I respectfully request that the CFPB investigate this matter and compel Experian to : Permanently remove the fraudulent account from my credit report. 
Cease any further attempts to reinsert the disputed account without a thorough and impartial review of all the evidence provided. 
Ensure compliance with FCRA requirements in handling future disputes. 
Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue.
Product: Vehicle loan or lease

Reference Complaint ID XXXX. Lender started calling again from a local phone number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX ( Arizona time ). Gateway One Lending and Finance called me again on XX/XX/XXXX. The representative 's name was XXXX and they wanted to discuss payment for an XXXX. I have already informed this company back on XX/XX/XXXX and XX/XX/XXXX that I was n't the XXXX XXXX they were looking for. They apologized and said that the person doing the investigations was new and in training. They said they would n't call me anymore. Well, it 's 3 months later and they 've started calling me again. I told XXXX, it was n't me and he asked me, did n't you just say your name was XXXX XXXX? '' I said it was but I 'm not the XXXX XXXX from XXXX, CA who bought an XXXX. I told him I 've already gone round and round with their staff back in XX/XX/XXXX. I asked for a letter resolving this issue and I never received anything. I requested to speak with a supervisor. Will put me on hold and then came back and said his supervisor was n't available at the moment. I asked for that supervisor to contact me to have this resolved.
Product: Credit reporting

There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Equifax and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?
Product: Mortgage

We paid off our Mortgage on XX/XX/2020 with Berkshire Bank. The bank owed us an escrow refund. They say they sent the check on XX/XX/2020. We did not receive it. We called on or about XX/XX/XXXX to report this. They told us we had to wait 30 days from the first mailing date to request a new check. We called back on XX/XX/XXXX and they said they would issue a new check. We called back on or about XX/XX/XXXX to report we had STILL not received it. We were told the check was not issued on XX/XX/XXXX but actually XX/XX/XXXX! So now we're waiting again, as we have still not received it. It has now been nearly 90 days since we paid off the loan and we have yet to received the refund of our escrow amount. They continue to hold OUR money and appear to have no clue what is going on. They further refuse to issue us the funds by some other means ( like a bank transfer ) and insist the paper check through the mail is the only way they'll do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

You'll see in one of the attachments provided that the Experian Credit Bureau use to have this XXXX XXXX account included and now it has been removed. We need that rectified promptly. 

From the beginning : When my job shut down in the beginning of the pandemic in XXXX, XXXX XXXX XXXX XXXX generously offered a payment delay option for our HELOC account where all of our payments would be pushed back. However, since we resumed paying in XXXX, our account is now being reported with a High Balance of {$220000.00} plus, it has late Fees attached, the Payment Amount was being reported inaccurately for months and more recently the account has been reporting as Past Due 30 Days to the Credit Bureaus, which is also NOT accurate. My husband and I have been in constant contact with XXXX XXXX XXXX XXXX for months but they are still trying to get a new program setup and implemented that will supposedly address all of these issues. In the meantime, we had them draft a letter for us that stated the banks current dilemma and our accurate information for our account. We provided that letter in our Credit Bureau disputes, but now some of the Credit Bureaus are just removing the account from my husband and I 's credit reports, which has been equally damaging to our Credit Scores. We want our account information provided by XXXX XXXX to be accurate, no matter if they have their new system set up or not. I imagine that as a temporary fix, a XXXX XXXX Team Member could take a look at our account and manually process the proper numbers to provide to the Credit Bureaus instead of so much inaccurate information being reported which has hurt my husband and I 's credit scores drastically. Now Experian is saying that the disputed information does not appear on my Experian credit report, but that is part of the issue. If the account is not even listed on our Experian credit report anymore, why was it removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent review of the credit report provided by your agency, there are items that I believe are incorrect and require immediate attention. I kindly request that you investigate and rectify these errors as per my rights under the Fair Credit Reporting Act.
Product: Mortgage

I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.
Product: Checking or savings account

I made a checking account balance inquiry at a non-Regions ATM on XX/XX/XXXX. There was a notice on the ATM from the other institution that a fee would not be charged by them, but that Regions Bank may charge a fee. 

However, I was unaware that a {$2.00} fee would be charged by Regions Bank simply for getting my balance. It is a deceptive practice not to tell customers what the fee is for checking their account balance. While I was provided this information at account opening, that was over 15 years ago when I opened my account in XX/XX/XXXX. 

There should either be no fee to check your balance, or the fee should be disclosed to you before you proceed with the transaction. 

I would like my fee refunded for the Bank failing to disclose the fee to me at the time the transaction took place.
Product: Student loan

This student loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, deliberately placed my loans into forbearance, so they could make money on the interest being collected, without my knowledge or my permission. I made them and the US Department of Education aware that I would be entering into a full-time program, in XX/XX/XXXX. I recently became aware of what was going on once I received a notice informing me that repayment is due on my loans in 30 days. Instead of placing my prior loans into deferment, they told me on XX/XX/XXXX, that " they were doing me a favor, and they did this will all their loans. I XXXX in XX/XX/XXXX. They revoked my 6-month grace period that all students receive after deferment from a full-time educational program, by initiating this ILLEGAL tactic in order to turn a profit. This loan servicer failed to inform me of what was going on and employed the illegal/fraudulent practices of their fellow loan servicing company, XXXX. Thousands of dollars of interest have been generated on loans in which I was guaranteed 0 % interest rate growth while in school. Instead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Department of Education have failed borrowers by letting this type of behavior continue to go unchecked. This company told me flat out " WE DO THIS TO ALMOST EVERYONE, AND NO ONE COMPLAINS. '' This is fraud and should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter off, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681 I have the right to privacy. Also according to 15 USC 6802 NO financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.
Product: Credit reporting or other personal consumer reports

I am disputing misinformation on my credit reports for XXXX, Equifax, and XXXX. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.
Product: Checking or savings account

Social Security XXXX check was deposited to Wells Fargo Bank in the amount of {$2300.00} on XX/XX/XXXX. A {$150.00} cash was withdrawn on XX/XX/XXXX at XXXXXXXX XXXXATM XXXX. Traction # XXXX Wells Fargo saw this as an overdraft withdrawn, which made my account in the negative. Proof of ATM receipt is available. Upon calling the bank, my online account showed Social Security deposited the funds to Wells Fargo on XX/XX/XXXX. The case was disputed with no results. The ATM, XXXX card was cancelled on XX/XX/XXXX, but have unvalidating fraudulent charges in XXXX and XXXX since reporting the issue on a now closed account.
Product: Credit card or prepaid card

I have an AMEX Hilton honor aspire card ending XXXX, with a " Earn {$20.00} back each month after you spend $ XXXX on U.S. dining '' AMEX offer added to my card. I spent {$25.00} on XXXX  XXXX at XXXX XXXX  with my card for my friend 's family. I don't know why it shows as XXXX on your website, but it is ordered on XXXX XXXX. I have attached the receipt for your review. I called AMEX customer service and been told I should get my {$20.00} back on my card, but right now almost 3 months I have still not seen the credit. Please check the receipt from XXXX XXXX   I attached. Please refund the {$20.00} credit to my card. Thank you!
Product: Credit reporting or other personal consumer reports

As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' XXXX  falls under this definition of a financial institution.

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX  to furnish my information to consumer reporting agencies such as XXXX, Transunion and XXXX. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by XXXX  of my right to opt out of having my information shared with consumer reporting agencies.

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, XXXX is in violation of this law. 

Moreover, Section XXXX681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If XXXX knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that XXXX cease reporting my information to consumer reporting agencies.
Product: Checking or savings account

A family member who was staying in our home made an unauthorized account with XXXX under my fiance 's name. My fiance and I have a joint account. He illegally spent over {$8000.00} from my checking account while I was out of town for work. 

I contacted both XXXX and opened a dispute with Bank of America. Bank of America investigated for a full 5 days and closed the claim not refunding my {$8000.00} that was unauthorized and stolen from me. 

The family member admitted to his actions and I filed a police report. Bank of America will not return my money.
Product: Credit reporting or other personal consumer reports

I currently have XXXX fraud accounts appearing on my credit reports.
Product: Credit reporting or other personal consumer reports

TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS : JPMCB ACCT # TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND FILED A FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK you VERY MUCH IN THIS MATTER. THX IN ADVANCE GOOD SIRS/MA'AM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.