23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule XXXX for XXXX XXXX that I owned. I file my taxes using XXXX from XXXX ( XXXX and XXXX ). I provided them my tax returns for XX/XX/XXXX and XX/XX/XXXX along with the XXXX XXXX. The XXXX XXXX format generated by XXXX is different from the XXXX seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule XXXX on top and my tax returns have been accepted by the IRS and XXXX is an IRS approved Tax software. However, the bank is insisting that the XXXX XXXX provided by me are not the right format. I offered to redo the XXXX XXXX to the format required by the bank and the bank declined that option. The interesting thing is that all the XXXX XXXX 's I provided are having {$0.00} entries and do not impact my credit worthiness or assets or liablities. We have been going back and forth on this for more than XXXX weeks and there is no resolution. The issue is at a stalemate. I have provided all legal documents and information required by the bank and they are simply refusing to move forward based on the XXXX XXXX issue. I believe they are acting in an authoritarian manner and possibly discriminating against me and using the XXXX XXXX as an excuse. The Schedule XXXX 's I have provided are legally accepted forms by the IRS and yet the US Bank is refusing to accept the same. The loan XXXX I am dealing with is curt and not willing to listen to me.
Product: Debt collection

To Whom It May Concern I did not authorize Progressive Management System to access my medical records, I never signed a Hippa form to release my medical information and this is a clear violation of my Hippa rights, I need this removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00XXXX XXXX XXXX  XXXX Balance Owed : {$92.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Hi. I have a few unresolved issues with Chase that customer service has not been able to address. <P/>1. I referred 3 family members who ended up getting the Chase XXXX XXXX credit cards but I did not get the referral rewards for them. <P/>2. I have a XXXX card offered by Chase. Recently chase sent me a letter saying this card would be converted to a Chase XXXX preferred card. I already have the XXXX XXXX card and have no need for the preferred. I 'd also be going from a no-annual fee card to one with an annual fee and finally, I did not get my signup rewards for the XXXX card. <P/>3. I have submitted an application for my JP Morgan XXXX card but have not yet received a response ... either approval or denial.
Product: Money transfer, virtual currency, or money service

To whom it may concern,I have been extremely patient in attempting to work with Coinbase on many occasions (over 2 dozen phone calls and over 2 dosent emails).  My main issue in particular is the fact that my wire transfer was rejected for some reason back on XX/XX/XXXX and it said my name did not match the name on my bank acct, however this is false (I have bank wire document proof showing my name is accurate).  I received an email from Coinbase back on XX/XX/XXXX stating that "please allow us 7 business days for processing wire" back to me.  As of today it has been 28 business days (42 total days) and I am still missing $XXXX of my hard earned money.  I am asking for your assistance in getting the funds back to me.  I have called many times and never get solid information other than it has been escalated and someone will get back to me.  Based on their original "wire reversed" email it is now past the promised deadline for my money back to me.  I need assistance asap as this is a lot of money for me.  On XX/XX/XXXX I received an email from “XXXX” saying that all delayed wire transfers were in fact issued back to customers and I should have it within a few business days and he was closing my case in satisfaction, however weeks later and still no funds back to me in my Acct.  My case # that XXXX responded to is “XXXX”.  I need my issue reopened ASAP and need my money returned to me. I have all necessary proof from my bank regarding the wire if needed to be presented.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a debt company that purchased the debt from XXXX they are saying that the date of delinquency is correct even though it is not the debt was opened in XX/XX/XXXX and was delinquent up until the car was repoed in XX/XX/XXXX. They are saying that they are reporting the debt correctly. I read on the consumer reporting agencies that they can report a delinquent debt past the date of the first delinquency of the original debtor. They are saying that is false and they can report the debt from the time they bought it from the original debtor,. band it is reporting as an open account
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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 that the information is inaccurate.
Product: Debt collection

I am filing a formal complaint against Kia Finance America regarding an ongoing billing dispute and unfair collections activity. 

XXXX XXXX : A Kia Finance XXXX previously confirmed that a miscalculation on their end resulted in an incorrect balance on my account. Despite this acknowledgment, I have been repeatedly contacted for payment and subjected to collections activity. 

Attempts to Resolve the Issue : I have spoken to Kia Finance representatives multiple times and have chat transcripts confirming these discussions. 
I have repeatedly requested written confirmation of the miscalculation and corrective action, but Kia Finance refuses to provide any documentation. 
When I asked to escalate the matter, I was told to call their Customer Assistance Team, but they were unavailable when I attempted to contact them. 
Unfair and Deceptive Practices : Kia Finance continues to attempt collection on a balance that was admitted to be a miscalculation. 
They refuse to provide any written confirmation or documentation explaining the issue. 
They have failed to provide clear resolution steps despite multiple contacts.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

After an investigation on my credit report I discovered inaccurate information in the accounts below. After asking Experian to validate these accounts, they did not validate the debt on these 3 accounts.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

1. Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$11000.00} 2. Account name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1.00}, XXXX written off 3. Account Name : XXXX  XXXX XXXX Account Number : XXXX Amount : {$4.00}, XXXX written off
Product: Vehicle loan or lease

On XX/XX/XXXX they stole my identity and took out cars in my name in a state where I'm not, I want to stop that process, they took out cars in XXXX different delear, I'm just the owner of a single car that is a XXXX XXXX XXXX
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX, account number XXXX dated XX/XX/year>, with a balance of {$10000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.
Product: Credit reporting or other personal consumer reports

TransUnion, Please see attached - there's an unauthorized hard credit inquiry on my account that needs to be removed below : XXXX  XXXX XXXX - XX/XX/2023
Product: Credit card or prepaid card

I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.
Product: Debt collection

Received a call from XXXX saying that there is impeding arbitration to collect a debt. Left the number XXXX. I called the number a gentlemen stated I have a debt {$1700.00} with HSBC from 2017 and he had the last 4-digits of my social security number. He asked me to make arrangements and I stated I needed to dispute charges and the call dropped. I called again. I asked for the XXXX account number and the gentlemen was providing a number that could not be valid for a XXXX. The call dropped. I tried to call again and was not able to connect. 
I do not or have not had activity with HSBC that I can recall in many years.
Product: Checking or savings account

An account was open in my name without my knowledge. I called to close the account and they said I couldnt without filling out a form. The form was asking for personal information that I dont feel I need to give because I never opened the account.
Product: Prepaid card

I purchased two Vanilla Gift ( VISA debit ) cards last year. But these two cards were stolen by someone else. I have contacted the XXXX company for almost one year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? 
My case numbers are XXXX and XXXX.
Product: Debt collection

PORTFOLIO RECOVERY has been calling me daily up to 3-4x a day. 

I attempted to discuss the FDCPA with them and they hung up on me. 

I called them back 3 times and asked every single agent if they were aware of the FDCPA and informed them they are NOT allowed to harass me in any way, shape or form. All I got was stunned silence because these XXXX companies don't know the law. 

Perhaps they should inform themselves of strawman accounts and realize the debt is irrelevant considering the system currently being shred into pieces. 

I do not play the fake debt game. When you are told " DO NOT EVER CALL ME AGAIN. '' and you repeatedly do so, expect a lawsuit very quickly. 

Guess what happens then? Not only did your company " lose '' money by buying useless debt, you lost the claim + fees + wasting my time in court fees. Lesson learned for being a XXXX  in a corrupt debt system, eh? 

Try again. I dare you. I've got all the various numbers they have called me from and I am ready to use them in court if need be. You WILL lose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided information to TransUnion that is not accurate. Trans Union did a reinvestigation and stated that they verified the bankruptcies as accurate. TransUnion also provided that the information was verified by XXXX XXXX and therefore it would remain on the credit profile. This information was disputed directly with XXXX XXXX and has been removed, making TransUnion statement inaccurate. As was disputed the on TransUnion and the following bankruptcy information per the FCRA. U.S Bankruptcy court does not provide information to credit reporting agency, and I did not sign a contract with XXXX XXXX. This is a demand to remove this erroneous and inaccurate information immediately from my TransUnion report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original filing date XX/XX/2019 Latest status date XX/XX/2019 Reference XXXX
Product: Credit card or prepaid card

I received a letter in the mail claiming I was denied a Macy 's credit card account due to them not being able to verify identity information. I didn't even apply for a credit card for Macy 's so someone must've attempted to with my information.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an issue with the management of my escrow account by Select Portfolio Servicing ( SPS ). My escrow balance as of XX/XX/year>, was {$6100.00}. After making my regular loan payment on XX/XX/year>, including an additional {$540.00} escrow payment, the account should reflect a balance of {$6600.00}.

However, SPS disbursed a late tax payment on my behalf and deducted an additional {$6.00} from my escrow account due to their own negligence. This error violates the terms of our agreement, under which SPS is responsible for managing my escrow account in a manner that avoids penalties and fees. As such, any late fees or penalties due to SPSs failure to disburse payments in a timely manner should not be my responsibility.

I am requesting that the {$6.00} be reimbursed to my escrow account and that a sanction be placed on SPS for their unwarranted handling of my escrow funds. I have sent SPS multiple emails about this issue and have also contacted them numerous times by phone. I have recordings of these calls, which I believe clearly demonstrate SPSs predatory practices, aimed at undermining my property ownership.

I am hopeful that the CFPB will address this matter and take appropriate action to prevent further misconduct by SPS.

Thank you for your attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$740.00} XXXXXXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Product: Checking or savings account

On XX/XX/2023 I received a call supposedly from chase bank telling me account had been compromised. They kept on the phone too long and in the meantime they knew my credit card number. They told me not to pull up my account until the next day while they investigate the compromised. They ask me to take care of my XXXX account for {$480.00} because we have put the funds in your account to cover the expense. The procedure they used had me convinced I was talking to Chase representative. However, after I hung up, things did not seems right. So i opened my account and my funds were gone. I called Chase, and their help seemed to be not up to par with handling the situation. I called another Chase official and they said they would handle it. today Chase reversed their action of covering the theft and withdrew my lost. I reported identity theft atold my nd they ignored that. So they assumed I stole my own funds from out of XXXX. Each withdrawal for {$300.00} each until they got down to the last {$100.00}, and each one covered drinks and dinner. I licve in Illinois and i certainly would not have withdrawn that much on one day for drinks and dinner in another state.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Experian. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX