23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX  XXXX {$800.00} Acount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 if the person knows or has reasonable cause to believe the information is inaccurate
Product: Payday loan, title loan, or personal loan

I contacted the company about lower my interest rate to be in accordance with the Military Lending Act after I got my orders sent to me. I sent a copy of my orders to the company and they are refusing to lower my interest rate.
Product: Mortgage

In XX/XX/XXXX, we purchase a house and applied to assume the sellers current VA mortgage. In the sales contract, it stated that the sellers would pay for all property taxes and assessments up to and including the day of closing. We closed XX/XX/XXXX. We signed all the documents, XXXX was the Initial Escrow Account XXXX XXXX which showed our beginning balance to be {$730.00}. Fast forward to XX/XX/XXXX and we received a letter from XXXX showing that our initial escrow balance started with a negative {$4100.00}. The previous owners escrow did not have enough money to pay XXXX XXXX taxes that were due ( and paid by XXXX ) in XXXX. Taxes that represent a period of time that we were not the owners. At no point did XXXX indicate to us that the escrow account was in arrears. We were under the impression that we had started with a balance of {$730.00} ( as per their own closing document ), NOT a negative balance of over $ XXXX. I called XXXX thinking that it was just a simple mistake that they would correct, but was told that we had signed an assumption agreement and we assumed the account with the negative balance. I made multiple calls over a XXXX month period to point out that the mistake was on their end ( sales contract, initial escrow disclosure ) but their attitude has been " so sad too bad '' every time I contacted customer service. After XXXX days, I put together a package with all the pertinent documents ( included here as well ) and a detailed explanation of what our issue is with escrow at the time of closing. Instead of addressing our issue, they have transferred our account to loss mitigation and I had a call from them about a short sale. We truly feel that they are trying to scare us by having us think our account is in foreclosure- we are not! We pay on time and have overpaid our mortgage every single payment since the first payment. I have tried to work with them to get this corrected and the longer it goes, the harder this is going to be to fix. Currently my husband is 100 % XXXX and starting this XX/XX/XXXX will not have to XXXX XXXX taxes at all. All I want is for XXXX ( now XXXX since they have coded our account as loss mitigation account ) is to correct their mistake they made in providing the closing figures to our closing agent ( and I tried going back to the closing agent but they said they only used the figures provided to them by XXXX ). We feel as if we have been defrauded by XXXX as they never disclosed to us the current escrow balance and waited until after we closed to let us know the true situation ( which- per the purchase contract we signed - the previous owners were responsible for those taxes ).
Product: Checking or savings account

PNC has an online bill payment system. There are options on the frequency of payments. 
The monthly option- allows a single monthly payment. The bi-weekly option sends XXXX payment every XXXX weeks. The XXXX XXXX option is not working as expected. The twice monthly option does not allow picking the dates of each payment - only the first payment - and the XXXX payment for the month is sent exactly XXXX weeks after the XXXX payment. This is not a true twice monthly option. This is the biweekly option disguised under a misleading category of twice monthly. I called the bank and they confirmed that a twice monthly payment would be sent XXXX weeks after the XXXX payment date. When I explained that this was not a twice monthly option- they had no other solution. I had to create a manual workaround to pay XXXX bills twice monthly.
Product: Debt collection

On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my XXXX credit report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase was supposed to take my mother off as a registered user of my credit card, and not allow her back on. She then got back on with Chases help and racked up XXXX dollars in charges and now chase is utting me on the hook for purchases I never made, that were made fraudulently and without my permission. I saw no benefit of any of these transactions and now they want me to pay XXXX  of XXXX  of dollars including XXXX in debt my mother XXXX to my card without permission from me along with about XXXX in contractor payments. 

Chase is trying to stick me with a bill they caused through gross negligence and I have been having XXXX XXXX  ever since this started.
Product: Debt collection

Complaint against Servicer JP Morgan Chase for violations of TILA, RESPA, UCC XXXX  XXXX ; XXXX, XXXX  and demand for disclosures under 15 USC 1641 ( f ) 2. 
JP Morgan Chase illegally uses unregulated Artificial Intelligence in violation of UCC XXXX [ signature must from the REAL person who is authorized to sign this documents, not from AI [ robot ] who acts as a non descript " team '' ] to LIE to me and to the Government Agency CFPB that Servicer JP Morgan allegedly `` did not paid '' for my home insurance. 

Attached is a copy of wire transfer receipt evidencing that JP Morgan PAID for my home insurance and a confirmation from XXXX XXXXXXXX XXXX agent that JP Morgan did pay. 

I demand a respond from the REAL authorized employee as mandated by UCC to disclose as required by TILA and RESPA who is the owner of my alleged " obligation '' who authorized JP Morgan to make payments for my home insurance and why JP Morgan 's subsidiary XXXX XXXX XXXX received these money. 

Verification that XXXX received these money was provided by mill lawyer XXXX XXXX from XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Sir/Madam, I am writing to bring to your attention a serious issue regarding a failed credit transaction into my bank account. Despite being promised by XXXX BANK OF AMERICA ] that the amount of [ XXXX ] would be credited into my account on [ XX/XX/year> ], the funds have not been received yet. 

The details of the transaction are as follows : - Transaction ID : [ XXXX ] - Date : [ XXXX ] - Amount : [ XXXX $ ] - Bank Account Number : [ XXXX ] I have already approached the bank 's customer service department, but they have failed to provide a satisfactory response. As a result, I am facing financial difficulties and inconvenience due to no fault of mine. 

I request your intervention in this matter to ensure that the bank credits the amount into my account immediately. I would appreciate it if you could also investigate this incident and take appropriate action to prevent such instances in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Product: Credit card

I made a purchase at bestbuy with a promotion for 24mo no interest with bestbuy credit card. The promotion was expired at XX/XX/year> that I need to pay full amount to avoid interest. I paid it off XX/XX/year>. However, Best buy count my payment toward to another purchase that is under the promotion expire at XX/XX/year>, which cause the bank charge me {$3100.00} of interest that I shouldn't pay. There is no reason I paid off the one expire on XXXX but not paying the one expire at XXXX. I call the bank and the supervisor told me that she is unable to revert the interest, which is ridiculous to me as it is completely their fault. They force me to pay the interest of {$3100.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IQ Data International , Inc., a collection agency, regarding their persistent harassment and false claims about an alleged outstanding balance from my previous apartment, XXXX XXXX. Despite my efforts to clarify this matter, IQ Data International has engaged in unfair and deceptive practices that have caused significant harm to my personal and professional life. 
Complaint Details 1. Harassment and Lack of Transparency : IQ Data International has repeatedly harassed me via phone calls, pressuring me to make payments without providing any written communication or explanation of the alleged charges, despite my explicit request for details via email. 
XXXX. False Debt Claim : The alleged balance they claim I owe to XXXX XXXX is entirely false. I have conclusive proof, including an email from XXXX XXXX, confirming that I paid my balance in full when I vacated the property. 
XXXX Credit Report Impact : IQ Data International has falsely reported this debt to credit bureaus, causing a significant drop in my credit score. This inaccurate reporting has directly impacted my ability to secure better rates on a business loan, thereby disrupting my new business endeavors.

Request for Investigation I kindly request the Bureau to investigate IQ Data International for their : Harassment and failure to provide clear documentation. 
False debt claims against me and potentially other consumers. 
Improper reporting of inaccurate information to credit bureaus.

Requested Remedies 1. Immediate Removal of Credit Report Entry : I ask that IQ Data International be compelled to remove the false debt entry from my credit report immediately.

2. Cease and Desist : IQ Data International should be directed to stop all harassment and attempts to collect this baseless debt.

3. Compensation for Damages : Due to the damage caused to my credit score, personal life, and business operations, I am seeking compensation of {$4700.00} to account for the financial and emotional distress caused by IQ Data Internationals unlawful actions.

Supporting Documentation I have enclosed the following documents for your review : Proof of full payment to XXXX XXXX upon vacating the property. 
The last Email from XXXX XXXX confirming my account was settled in full. From the manager email address.

Conclusion I trust that the Bureau will take swift and decisive action against IQ Data International to prevent further harm to me and other consumers. Their behavior violates the principles of transparency and fairness expected from collection agencies, and they must be held accountable for their actions. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX
Product: Mortgage

Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees. 

I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees. 

I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Mr. Cooper on XX/XX/XXXX about removing PMI from my mortgage loan. They told me that this was absolutely possible and they opened up an application to do so. I was told that an appraiser would contact me within 2-3 weeks and then there would b a few weeks processing time after that. 

An appraiser never so I called Mr. Cooper back in mid XX/XX/2022 and they said they were backed up and an appraiser would call soon. I called back in XXXX and I was told that our PMI order was cancelled due to not being able to get ahold of us. I asked the phone number that was called and they admitted the agent at Mr. Cooper who took my original request inverted two digits of my phone number and it was their fault. I asked why someone didn't double check my account or call my husband or email us before cancelling and there was no answer or explanation given. 

Mr. Cooper then re-opened the PMI removal and I was told I was high priority and would receive a call from an appraiser within 1 week and they would speed the process up due to their error. A week and a half later I received a letter in my Mr. Cooper account that our PMI removal request was cancelled again ( a second time! ) and to call them. When I called they said they could not get ahold of me so it was cancelled. Again, they could not tell me when I was called or what phone number they called. My husband XXXX and I checked our call logs and no one tried to call us. I spoke to several managers and PMI dept staff at Mr. Cooper and there was no explanation they could give on why my PMI removal request was cancelled a second time. 

They then re-opened my PMI removal request for a third time in what was almost XXXX ( I originally called in XXXX ). For the first time in this entire process, yesterday ( XXXX ) I received an email with my appraiser 's information. I finally have an appraisal scheduled. My appraiser said that this was the first time he was ever given my information so he was not the one who said he could not get ahold of me. Mr. Cooper really dropped the ball on this one and it should certainly not take two and a half months from a PMI removal request to receive information to schedule an appraisal.
Product: Mortgage

To Whom It Concerns : We have been mortgage customers of AmeriFirst Financial since XXXX. We have always paid on time and the AmeriFirst Financial changed our loan account number on XX/XX/XXXX, but the mortgage loan was still kept under the AmeriFirst Financial name. Now that it is tax time AmeriFirst Financial has only provided us with a 1098 recording our payments, interest, and taxes paid from XXXX through XX/XX/XXXX. We have NO record of payments, interest, and taxes for XXXX through XX/XX/XXXX. I have called various locations of AmeriFirst Financial and emailed 3 times for help and all I get are to call this disconnected phone number XXXX or email this " no longer in use address '' XXXX. It must be illegal to have taken our money and not report it to the Federal government. 

The old loan number was XXXX. The old AmeriFirst Financial address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX IL XXXX. 

On one of my phone calls, the support person even said " If you didn't have online access before, you won't be able to set it up now. '' Then I was put on hold for 30 minutes and no one ever called back.

In addition, I keep every single mortgage statement that comes in the mail the old-fashioned way, and AmeriFirst Financial didn't even send us statements for XXXX XXXX. Now I am worried that 3 months of payments weren't even applied to our mortgage and we have no proof. 

Please help us resolve this issue with AmeriFirst Mortgage. We don't know what else we can do. It's not ethical or legal to not report consumers ' mortgage payments, interest, and taxes paid. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting

CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.
Product: Debt collection

On XX/XX/XXXX the response was " Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client XXXX XXXX XXXX, a medical debt buyer, in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer 's review. Our client is offering a 40 % discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you '' This collection agency has admitted that they purchase debt from creditors yet they are trying to CHARGE ME for the same debt that was CHARGED-OFF from another creditor. Which is ILLEGAL. The original creditor has already charged the debt and gave me a 1099 form which states the debt is written off. Either remove this account permanently or litigation is the next steps. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and XXXX XXXX XXXX XXXX XXXX XXXX  where i have hospital records showing i was XXXX XXXX XXXX  at the time of these charges. also i have a police report for the robbery. 

when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. 

that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing XXXX XXXX XXXX during the time of these charges which were done at major retailers like XXXX and XXXX XXXX where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me my name is XXXX XXXX XXXX XXXX chime bank account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account # XXXX no contract or no signature
Product: Credit card or prepaid card

I received a call from Barclays Bank and I have a credit card through them through XXXX. They had my name and wanted to help get my payment posted because it was over due. To pay the bill they needed to verify my identity with the last 4 digits of my social. I entered that in and then the automated system gave my statement balance and wanted to set up payment. At this point I became suspicious and hung up but they had my voice on the call and they had my last 4 of ssn.