23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently refinanced a mortgage through JP Morgan Chase. The loan we were refinancing was also a Chase loan. We had an escrow impound account on the old loan with a balance of over {$8000.00} which we were paying monthly so they would pay our taxes and insurance. When we refinanced, we said we no longer wanted an escrow/impound account. We were not asked what they should do with the balance in the escrow account and Chase applied it to our loan payoff without our permission. We received a letter from Chase at the time of closing and it stated that if there was a balance, we would get a check in 10 days. When nothing came in 10 days, we questioned where it was and that is when we learned that they applied it to our previous loan payoff. We had been making these payments monthly, in good faith, with the assumption that these funds would be used to pay our taxes and insurance, not to pay down our balance. Now taxes are due and we dont have the {$8000.00} that we had been paying Chase to pay our taxes. 
Chase offered to refinance our new loan but to get the same interest rate we were given on the loan that recorded this week, we would need to pay {$8000.00} in points. Plus, they would consider the loan to be a cash-out since we would receive our impounded amount back. What is the point of that? If we kept our current new loan, they offered to give us {$1000.00} for our trouble but we still owe taxes which are over {$6000.00}. 
They made a mistake on our loan by not asking us what to do with our impound balance, not making the impound account available to pay the now due taxes and now offering to charge us for a cash out loan with points.
Product: Credit reporting, credit repair services, or other personal consumer reports

payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.
Product: Student loan

Mohela recently transition to a new platform. The platform was not a seamless transition. You had to recent a new username and password to get to your account. Then when you got to your new account you could not see any of your past payments. In fact, I think my loan information is incorrect because the loan is higher and I have been paying more than what is required, but Im unable to tell because non of previous payments are available for me to see. I tried to contact Mohela to resolve the issue and the wait times were over an hour. So I decided to do an email instead and the messaging system says that there is an error after repeated attempts to send a secure message/and email. This process has been very frustrating. There is also no option for me to pay down my principal rather than the interest. If I had an option, I would pay the principal down first before interest but the loan system wont let me do that. Which of course will generate more interest for me. My mortgage company allows me to do this and Im not sure why a student loan wouldnt do the same. It unfairly causes the loan to balloon on small amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to qualify for a mortgage loan. In order to do so, all three credit bureaus need to be checked. All of the bureaus checked out except Equifax, which is claiming fraud on my account. I can not create an account online due to error code NH. Upon calling, I was told to fax in two forms of ID. The customer service representative first gave me the wrong fax number. I called again, got the right fax number, and sent the documents. Equifax refuses to verify they have received the documents until 5-7 business days later, despite that sensitive security information is being sent over. 5 days later I call in and was told the documents had not been received, and to send them in again and call to confirm receipt. I did as told, and when I called to confirm receipt they told me again it would take 5-7 business days. After 7 business days I call again and am told the documents were not received, probably because they were ineligible but the rep was unsure of why not. I have probably talked to 15 different Equifax people since then via email, phone, and website chat. They have no option of emailing in the documents and no way to verify they have received the information. I just want to get my home loan but am about to lose my first home purchase due to Equifaxs sloppiness. Every time I call a rep gives me new instructions of what to do, I have even XXXX over the documents to them and they still cant fix the problem that they created in the first place. My credit score works for every other bureau. They keep telling me there is nothing they can do.
Product: Checking or savings account

I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. 

I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Money transfer, virtual currency, or money service

XXXX $ was sent to XXXX XXXX via paypal half of the money owed for a puppy. I talked to a XXXX XXXX on XX/XX/XXXX to purchase a puppy that was posted on a XXXX XXXX XXXX  page. He had me send XXXX $ with PayPals fees it came to be XXXX. He sent us an address that lead us to XXXX XXXX  which was XXXX hours from where i live. After we got to the address, knocked on the door a women who had no idea what was going on, nor was selling any dog. I relaxed i had been scammed so of course i tried calling him back and the phone number had been turned off and tried to contact his email and he didnt respond so i tried to dispute it with PayPal and they said case closed REMITTANCE ISSUE. With that in mind i still have not received my money back. WE NEVER GOT THE DOG AND WASTED XXXX hours out of my day amongst XXXX $ in gas to go get this dog which AGAIN WE NEVER GOT THE DOG! Im trying to get my XXXX $ back!! The guy never responded back
Product: Credit reporting

XXXX XXXX lists an amount due of {$6500.00} ( {$7900.00} highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX . This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in XX/XX/2015, a conference call was held between XXXX XXXX , XXXX XXXX and XXXX XXXX . XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX XXXX I was affected by XXXX inXX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too XXXX  on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies
Product: Credit reporting or other personal consumer reports

I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing XXXX XXXX and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : XXXX  XXXX 30 days late XXXX  XXXX  30 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 60 days late XXXX  XXXX 90 days late XXXX  XXXX 120 days late XXXX  XXXX 90 days late XXXX  XXXX 90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  90 days late XXXX  XXXX  60 days late XXXX  XXXX  30 days late XXXX XXXX  30 days late XXXX  XXXX  60 days late
Product: Debt collection

Wells Fargo was sued for creating fraudulent accounts. They refuse to remove the collection loan accounts that were ALREADY found as fraud and removed. They then created new account numbers and placed this back on both my credit report and the co-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized hard inquiries has placed a negative effect on my credit report. 

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

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for XXXX XXXX XXXX and Dept OF EDUCATION/XXXXthis is not my accountand I have never had an account with them.
Product: Credit card

Credit account at Macy 's had not been used but one time in over 2 years since application. Received a notification from Macy 's the card and account would be closed due to inactivity in XXXX XXXX  XXXX. Assumed the account had been closed courtesy of this notice as I continued not using the card. Receive a statement in XX/XX/XXXX that a purchase was made in XXXX XXXX, NJ for the amount of {$290.00} in the Men 's Department for a size L, XL, and XXL goods ( this was only submitted after requesting what items had even been purchased, as previously no transaction information existed on goods purchased in-store ).

I've never been to NJ. I reside in IL. The account should have been closed in Fall of XXXX. Macy 's permitted a transaction months later in XXXX in a state I DO NOT reside nor ever visited ... Nor have any acquaintances, friends, or family. The fact the card that hadn't been used in 3 years was permitted to be used in a state that was not the registered event should've immediately raised a red flag. It did not. They permitted a transaction in another state.

I asked them how is this even possible when the account was to be closed? It has been a nightmare closing this account. XX/XX/XXXX the initial request was made. Then XX/XX/XXXX I discovered via their online portal another account had been opened to carry the fraudulent balance from the previous. They decided to open a secondary account in my name with a new account number. That account now carries this balance. I called again stating no one told me the account was to be reopened and a new card reissued, it was supposed to simply be closed and an investigation to be opened into the fraudulent charge in New Jersey. They incessantly called me about Collections within that timeframe which is what inspired me to look at the online account in the first place. They notified me of late payments even during a pending investigation into the fraudulent activity. 

They finally sent me a message about the first account on XXXX via an online notification that there was no need to pay on the account ending in XXXX. The new issued account of XXXX was not addressed in that correspondence. Nor has any correspondence taken place with that account into the investigation. 

This company needs to be put on XXXX. They have had sufficient time to look into this transaction and close this dispute. They have chosen to leave the account with an open balance. 

No one has reached out. There has been no notification. They removed the {$35.00} Late fee AFTER I cnotified them of a CFPB complaint.

I want this resolved. Clearly, this should be cut and dry given my address, travel history, and lack of use on this account. Macy 's seems intent on prolonging the determination of the investigation.
Product: Checking or savings account

On Friday, XX/XX/2022, I received a called from XXXX XXXX XXXX requesting a check verification. I logged into our bank account as the check was out of our normal sequence. Once logged in, I noticed the check was altered and not written to any name that I recognized. The credit union was able to place a hold on that account. We notified Chase and Chase was able to reverse the check. I also entered into the Chase system 4 checks that were stolen from a blue box at the post office, to ensure that these checks would be flagged if they were cashed. Shortly after on XX/XX/2022, I noticed 4 more fraudulent checks attempted to clear our account and on XX/XX/2022, 5 checks attempted to clear the account. I was able to stop these checks through positive pay. Fast Forward to XX/XX/2022, while going back through our account, I noticed a batch of checks that were duplicate check numbers that were fraudulently cashed against our account. I called Chase to add these checks to the first claim as these were missed. The first agent that I spoke with told me since it was later that these were found, I would have to fill out an affidavit and it could take up to a year for the funds to be reimbursed. I waiting for the paperwork and in the mean time I contacted our local banker. I tried tirelessly to find the original confirmation number for the first claim, but I was unable to find the note with the number. Chase claimed we they could not find a claim number. I sent in the police report, copies of the checks, and the affidavit but Chase quickly denied the claim due to the lapse in time. I have tried everything for Chase to work on getting our money back but run into a brick wall each time. The account should have been on alert as we entered a batch of checks as stolen, called in about a fraudulent check and also caught over 9 checks attempting to clear our account. Chase did nothing to stop the duplicate check numbers that did clear our account and offered no further help besides denying our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX Fraud dispute number XXXX I also called XXXX and Transunion XX/XX/2022 and filed fraud claims as well XXXX is reporting XXXX hard inquires on my credit file and I had XXXX inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were XXXX inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Product: Credit reporting

There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.
Product: Credit reporting or other personal consumer reports

Unlike the other XXXX credit bureaus, Equifax makes it incredibly difficult to lift a credit freeze. The purpose is not to prevent identity theft, but to discourage people from utilizing credit freezes, apparently because the service is costly to provide. They are placing their profit over consumer protection. After enduring a great deal of inconvenience every time I attempted to lift a credit freeze, I finally acquiesced and canceled the credit freeze permanently. I believe that the CFPB should investigate and verify this problem, then assess Equifax a very substantial fine for their unethical behavior. 
My last experiences are described below. 
XXXX. Equifax claims that you can remove a credit freeze online, however their online accounts always fail after numerous attempts. This is not user error, as several people of my organization have experienced the same problem repeatedly. Online lifting of credit freezes works fine with the other XXXX credit bureaus. 
XXXX. When I attempt to call the toll free number to resolve the problem, they start with a deliberately FALSE statement that they are experienced and they usually high column call volume and they try to redirect you to the online system that does not work. Every call you make at anytime of the day or night provides the same false claim that they have unusual high call volume. In other words, they are lying to their to the public. 
XXXX. If you dont take the bait and stay on the line, you get placed into a complex interface of automated identity verifications. Anytime your response does not match their records, which are often incorrect, the call terminates and you must start the maze over again. For example, they request my current address. I entered my current address, which doesn't match their records because their records are incorrect. They then hang up. I called in 4 times and went through the maze until I found the prior address that they still have on file. Then it went into other questions based on incorrect information. The other XXXX credit bureaus dont have this problem. 
XXXX. On my XXXX call into the phone maze, I answered every question by asking for " agent ''. After several requests for agent were ignored, it finally put me in a queue to speak to an agent. 
XXXX. When a real person finally picked up, some poor fellow in XXXX trying to do his best, he went through the same verification questionnaire. At least this time, he didnt hang up when I gave an incorrect answer. But finally he demanded that I send him scanned documents so that they could correct their records that the other credit bureaus already had. At this point, I demanded to talk to a supervisor. 
XXXX. I wrote most of this complaint while on hold XXXX minutes for the supervisor. When the supervisor in XXXX finally picked up and I told him that I was filing a complaint with CFPB, he was able to lift the credit freeze almost immediately. I told him to make the lift the credit freeze permanently because of the difficulty in arranging temporary lifts. 
In my opinion, Equifax is now responsible for any credit theft that I may experience in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} XXXX  XXXX {$200.00} XXXX  XXXX {$270.00} XXXX  XXXX {$52.00}