23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.
Product: Debt collection

Allied Interstate collections agency has been calling my husband and I multiple times a day for weeks, never leaving a message for the reason they were calling. The woman that has been calling is named XXXX XXXX. I finally called the number back last week to find out why they were calling it went to her voicemail, but I assumed based on the lack of information she provided in her voicemail that it was a collections agency. So I left her message stating to either stop calling multiple times a day or leave a message when she called so we could appropriately respond to why she was calling. She stopped calling me and instead, started calling my husband. He finally answered the phone this morning and stated she was trying to collect a debt owed by my brother. My husband and I have nothing to do with my brother or his debts, nor are we legally liable for his debts. They have no right or cause to call us to try and collect on his debt. I asked for her employee ID as i stated I would be reporting her actions, she lied to me and stated she had no id number and that she was doing nothing wrong, she " does n't know who XXXX lives with ''. That is total nonsense I have n't shared an address with my brother in 15 years. My husband has never shared an address with my brother. I have no idea who they bought our contact information from, but I am sure it was an unauthorized source.
Product: Mortgage

Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.
Product: Bank account or service

There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX I am requesting a re- investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. XXXX XXXX Account number:XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts and hard inquiries are fraudulent and due to identity theft, which is shown in my FTC report. I have enclosed the following documentation to support this request : FTC Report, CFPB Complaint, Drivers License, Birth Certificate Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to resolve this issue, I have noticed that inaccurate information continues to be reported on my credit file by TransUnion, XXXX, and XXXX. This incorrect information remains unchanged, even after multiple disputes. The ongoing errors are not reflective of my actual financial situation and are negatively affecting my credit profile. I have attached detailed letters outlining the specific inaccuracies and providing evidence to support my claims. I kindly request that you thoroughly review the attached documentation and take immediate action to correct these errors, ensuring that my credit report is updated with accurate and truthful information.
Product: Debt collection

I received a letter from a local lawyer on XX/XX/2018, stating that I was being sued and that I might need legal help. I was confused by this so I decided to check CCAP to see what was going on. After checking my name and birth date I did see that I was being sued by a company called, XXXX XXXX, this coming XX/XX/XXXX at XXXX. I have never received a letter or phone call from this company to inform me of such. I then did research to see who they were and got their contact information. I called them on XX/XX/2018 and gave them my number and social. They were unable to give me any information and instead directed me to call a local number XXXX, which is a law office. The number continued to go to voicemail. I called the company back to retrieve an account number and address. That is when I hand wrote a Request of Debt Verification letter. I went to the closest post office to me and sent the letter certified mail on XXXX XXXX at XXXX. The company received this certified letter on XX/XX/2018. I have not received a verification of the debt I owe and have had my credit soiled because of this alleged debt. I am being sued and have no idea why.
Product: Mortgage

On 2018 I took out a loan which supposed to run smoothly but was nothing like that, XXXX have to paid off the loan which I couldn't use, and the amount that I paid so they stopped taking around XXXX $ monthly payments from my account was {$9600.00}, I thought at last everything is done with them, and NO, surprise when I wanted to sell the house, the house still have a mortgage on it, I have all the documentation to prove otherwise, and goin by the reviews on their sites, XXXX, XXXX, XXXX  they do it frequently, scaming people and rushing them into foreclosures, I'm glad I'm not in that position but I can imagine how that can't be, in their site seems that many people lose their homes because of them. Is unlawful to take homes of people XXXX.
Product: Credit card

On XXXX XXXX XXXX, I visited Kohls to purchase a couple work clothes for the XXXX XXXX I work at. After spending a copious amount of time trying on outfits on my only day off, I proceeded to checkout with my clothes. A blonde white woman is supervising a new cashier, so I smile go along with my checkout. At a point in my transaction, Im offered if I want to sign up for a Kohls rewards card to get a 35 % discount off of my immediate purchase. Usually when customers hear the words store card, they often thing of like a membership to get deals at checkout, not a credit card. This card was only advertised as something I use at checkout to save money. I believed I was joining the Kohls rewards program like many of my family members, not enrolling and getting a credit card. During the transaction as I was putting my details in, it asked for my SSN. I directly asked the Supervisor a clear question, Is this going to pull my credit? To which she tilted and scratched her head, and awkwardly replied Just a soft credit pull. And then I proceeded to say oh nice, those dont hurt your credit. To which she did not respond as she watched me finish entering my details. Just to stop right here, I believe that most adults should be aware that obtaining a credit card would require a credit inquiry that hurts your credit score. I believe both me and this Supervisor are aware of that fact. That is why when she responded with a soft pull, I was misled into the type of card they were offering me. I asked her a question that showed I did know what I was actually signing up for, and she gave me incorrect information. While it is possible that this Supervisor believed that credit cards require soft pulls, she then proceeded to raise her voice and tell me something along the lines of I hope you enjoy shopping at Kohls for many years to come! As I exited quickly to not hold up the line. What happed at this this store was this woman is trained to give consumers vague, misleading answers to their questions about products in order to meet their sales goals. Even if it comes at the expense of the consumer. What happened earlier was a dishonest act, that I believe made the supervisor and cashier uncomfortable that they were incentivized to lie to me, a young XXXX American man. Yet still, the fact I was misled while getting a vague card to use at a store is inexcusable, and utterly ridiculous. I put my trust into the supervising woman and asked her a clarifying question, and then I was mislead, and now my credit score will tank because of it. This truly upset me to my core when I checked my email and found that a credit card would be arriving soon. This will devastate my financial plans in the coming months, as I now have to manage my finances with unwanted line of debt.
Product: Credit reporting

On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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: Checking or savings account

I deposited a personal check from my mother into my Chase checking account on XX/XX/2020 in person at a Chase Bank in XXXX, Texas. The teller informed me that the funds would be available to use on XX/XX/2020 and this XX/XX/XXXX date was reflected on the receipt of deposit that was provided to me by the teller. 

Those fund are still on hold as of XX/XX/2020. On this date I called Chase Bank and spoke and was informed it would be on hold until XX/XX/2020. My mother informed me that the fund have already left her account. Further, my mother gave my sister a check for the same amount. My sister deposited her check on a later date than me and her bank, XXXX XXXX, has already released the funds in to her account.
Product: Bank account or service

I advised grand daughter that I may have a available balance on my debit card for a purchase. If not the purchase would be declined. She was able to make XXXX purchases and accrue up to XXXX in over draft fees. When I called Wells Fargo about the transactions I was informed, because you are a good customer we approved the transactions. I feel violated. IS THIS LEGAL?????
Product: Credit reporting or other personal consumer reports

I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with Experian, XXXX and XXXX but have not received a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX  XXXX XXXX Balance : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Loan discharged in bankruptcy chapter XXXX, Bankruptcy Court XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the attorney myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged. The discharge occurred on XX/XX/XXXX, this year, This business needs to be investigated for their practices.
Product: Debt collection

I spoke with the company that was handling the Synchrony Bank Toys R US credit card and agreed on a one time settlement. I received the settlement offer letter on XX/XX/2020. The settlement was for {$360.00}. I paid that agreed settlement on XX/XX/2020. The company has still not updated my credit report that it has been paid. I am still getting calls from other companies that they have sold it to. I have called Synchrony Bank multiple times and they have still not resolved it. I have paid the agreement in full and would like my credit report to be reflected correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$130.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit card or prepaid card

I placed order XXXX with XXXX on XX/XX/2023 for XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was provided with tracking number XXXX, and a package was delivered on XX/XX/2023. The package, as confirmed by XXXX, weighed XXXX pounds and was the incorrect shape. Looking on XXXX own website, XXXX weighs XXXX pounds. When I opened the package, I found that XXXX sent me a dual monitor mount instead of what I ordered. I contacted XXXX via their chat feature on their website and was told to bring the item into the store. I told the person I was chatting with that I did not want to have to argue with the store when I got there, and that the store would not understand the scenario. I was assured that would not happen. On XX/XX/2023 I drove over an hour away to a XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, paying numerous expensive tolls to get there, and was immediately told that the store was not aware of the scenario and they could not help me. They refused to take their item, and refused to give me a refund. 

At this point I involved Chase and was told to file a dispute. I did so, and Chase on XX/XX/2023 decided that XXXX was just in their actions. They claimed that XXXX proved they delivered an item. I called Chase to follow up, and was told about a whole new process I must go through to have them look at it again that involves sending in a letter with numerous pieces of evidence.
Product: Mortgage

During a loan modification, due to loss of income because of accident, I made monthly payments of interest only to qualify for loan modification to lower payments. After 6 months of paying on time, I had to add an additional {$20000.00} plus estimated cost to loan and payment was not modified at all and full monthly payments went back into effect of about {$450.00} more per month. I don't understand why to qualify for loan modification of paying interest only on time paying roughly {$450.00} less per month for 6 months added {$20000.00} to existing loan.