23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed. I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies ' refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXX XXXX OF XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE
Product: Money transfer, virtual currency, or money service

I used Wise.com, a financial institution providing digital bank accounts and debit cards. Over the course of my account usage, I transferred a total of approximately {$3000.00} into my Wise account. 

Recently, I made a purchase using my Wise card, but the merchant did not deliver the product. When I contacted Wise to dispute the transaction, instead of helping me recover my money, they closed my account without prior notice or explanation.
Product: Credit card or prepaid card

I just received a secured platinum credit card for capital one. I put down {$49.00} for a deposit and had a {$200.00} limit. I tried several times to make a payment, but for some reason it was trying to take the money from my old checking account. I didn't realize why it wasn't going through and added a debit card to pay the bill that way. It took the {$100.00} from my bank account but when I checked my account it said it was now restricted. I called into make sure the payment with through but they've told me they have just closed my brand new account. They told me I could apply again, but when I just did, I was now denied for the exact card I had had.
Product: Debt collection

I have been paying on a court judgement that was turned over to collections. I pay every month, without receiving a statement or remaining balance owed. Emails, letters or calls get no response
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605 c of the fair credit reporting act I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX Balance. 
, XXXX XXXX XXXX balance XXXX XXXX XXXX balance {$550.00} XXXX XXXX {$120.00} XXXX XXXX XXXX  XXXX {$66.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Product: Debt collection

Transworld Systems Inc is the collection that appears on my. CRedit report is show g this collection that is not mine.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

From XXXX through XXXX I was constantly being hit with overdraft fees. I would have pay them off and this would lead to me having insufficient funds. Navy Federal Reserve Bank is where this all took place. They even put the money back into my account and later said I had an overdraft payment of XXXX XXXX plus dollars. I cant remember the exact dates of the those transactions.
Product: Payday loan, title loan, or personal loan

I called one financial asking why the balance of my loan not getting lower after making payments. I made 12 payments and so I called ( Onemain Financial XXXX XXXX XXXX location ) bout it onXX/XX/2023 the lady on the phone says it must be a glitch that I am half way paid off. 

I called again on XX/XX/ asking Onemain Financial bout my balance and why did my loan balance go up. The lady on the phone says she'll looked into it and call me back in a few days that I never received any call since then. I called left several messages nothing. 

I called from a different line a lady answered and when I gave her my information the line got disconnected. I called and called left message and never got a hold of anyone after that. 

I went to the branch and the sign says closed. The lights are off.
Product: Mortgage

We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my account.
Product: Consumer Loan

First of all Cash Central initially opened the account without my knowledge and deposited money into my account. After they bribed me to keep the loan with a lower fee, I eventually took out an installment loan and decided to stop the ACH payments and would pay with other means. I emailed them on XX/XX/XXXX, with no response. I have emailed them in the past with no issues, they have also emailed me with no issues. They proceeded to take out my payment anyways and so I called to resolve the issue and they hung up on me 2 times. I also attempted to chat and they just said for me to call the number. They have not held up to the contract.
Product: Money transfer, virtual currency, or money service

Opened online Chase Bank Business account on Thursday evening XXXX, deposited CASH on XXXX at Chase branch. 
Then did Chase online bill pay to XXXX XXXX XXXX. Received confirmation of transaction with green check mark. 
Saturday afternoon went online to check account and it immediately locked suspicious activity. Called Chase, 2 hours later, got a call back and spent 25 minutes on phone of being transferred to 2 different persons & then line disconnects. Person found that system had CANCELLED my online payment ; yet never noticed me of same. Had I waited, my annual property insurance would have been cancelled because of Chases actions. 
Went into branch and got my money and closed account. Chases {$300.00} business account offer is misleading as I was compliant yet Chase was deceptive in cancelling my payment without warning nor notification. After all my acvount was open with cash. After all Citizens is a well known insurance company. They called that suspicious activity. Please if theres a class action Atty reading this then contact me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being XXXX. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX COMPANY BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

Im writing this to you to explain to you what a horrific experience I just had with United Mortgage. It started back in XXXX when the seller accepted mine and my boyfriends offer. We decided to do an FHA loan because needed to do renovations on the house. During this whole process we encountered the mortgage guy stealing from us and not even doing his job and processing our mortgage. Everytime we would ask about it he would said everything is okay or everything is moving along. We later come to find out that he had stolen money from us and nothing was getting done. We had a specific time frame in when things needed to be done. When things didnt start adding up and we kept sending over the same papers that we had already completed, i started to look further into this. Then out of no where they assigned someone else to our file and still nothing was getting done. I found out that our mortgage was fired and no one even told us about that or what was happening with our file. No one in that company helped us at all. We kept getting switched to different people and not one of them helped us or apologized for what was going on. I brought up the money being stolen from us from a pre-aprisel feel that was not even something that we should have paid for. When i brought that to their attention they did nothing about that but just said that was illegal what he did, but nothing was done about it. So the time was coming closer to our closing date And nothing was being processed or taken care of. The seller said that we wouldnt be able to get another extension if they werent able to fix this. I was then devastated bc this hope we wanted so badly and we did everything on our part to make sure this would happen. We then got a phone saying they terminated our deal and we lost the house with no remorse or sympathy for what they just put us through. Also trying to get InTouch with them was another nightmare. We spent {$900.00} for an inspection, {$670.00} for a title search and {$440.00} for a land survey plus paying a lawyer {$500.00} and we didnt even get the house. The amount of incompetence and unprofessionalism we experienced was beyond anything I have ever seen or dealt with in my life. Im writing this because I want someone to hear my story because how we were treated and lied to no one should ever ever have to deal with. I want people to know that this company is by far the worst and people should not be using them if they actually want to get a house.
Product: Credit reporting

Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.
Product: Debt collection

They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. )  when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.
Product: Debt collection

Integral Recoveries calls repeatedly about a debt that is not mine and they will not provide any information about who they are or what they're calling about when they call me. Instead they try to get me to reveal my personal data to them when I ask them to identify who they are and what they are calling about.
Product: Checking or savings account

To Whom It May Concern : Dear Sir/Madam I try not to visit your branches, because I was once XXXX  discriminated by a XXXX  female employee at one of your branches, which honestly I am not really surprised at because I see countless news articles about XXXX XXXX  at Chase branches , so I guess that's the Chase standard. So I try to do my banking via phone only. 

On the XXXX day of XX/XX/2023, I made three calls to your claims department.

Call 1 : I called regarding canceling one of the disputes, spoke with one male operator from the claims department, not sure if the dispute has been cancelled yet. I asked the operator to transfer the call to the general customer service department because I had another question. The operator asked me to call back again and hung up on me.

Call 2 : I called your claims department to lodge a complaint against the previous male operator. This time a female operator named XXXX from the claims department picked up the call. I asked her to transfer the call to a supervisor/manager. A male person came to the call, I first asked him to confirm if he is a manager or a supervisor, to which he clearly replied if I don't give my account number to him he will hang up the call on my face. I have zero tolerance for this kind of attitude, so I responded to him " appropriately '' after which he ofcourse hung up on me. 

3rd call : I called your claims department again to find out the names of these two people I spoke with earlier, but this time the female operator could not give me the names.

Why should I bank with Chase?
Product: Credit reporting or other personal consumer reports

Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This address is incorrect. Please remove. 
Date reported is XX/XX/XXXX. 
Please remove. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is the correct address but the Date Reported is incorrect. 
Please correct. The CORRECT Date Reported should be XX/XX/XXXX. 
Please Update. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is a duplicate address. 
The address is correct but its a duplicate and I only need XXXX address listed as XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX And the Date Reported is : XX/XX/XXXX this is incorrect The Date Reported should be : XX/XX/XXXX Please Correct. 



Address Reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Date reported XX/XX/XXXX. 
Can you remove this address, this is an incorrect address.
Product: Money transfer, virtual currency, or money service

0n XX/XX/XXXX, I purchased a money gram money order for {$390.00} made payable to the US TREASURY my income taxes. I mailed the payment with a letter to the IRS IN XXXX CA. The money order was cashed on XXXX during the government shutdown. I had to send a anther XXXX to the government. I contacted MONEY GRAM 8 times finally on XXXX requested a form for a copy of the cashed money order. Received that on XX/XX/XXXX, phoned that day and requested fraud complaint and they mailed another report. Received that report on XXXX. Mailed that report in and I have phoned this number XXXX times to no avail ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

In XX/XX/XXXX, officers of my XXXX XXXX came in to a Chase branch to swap out signers on a business checking account. We sat down with a business specialist to do so. After we had signed the signature card, the Treasurer began inquiring about obtaining statements, as we needed to conduct some incomplete audits from prior years. He also inquired about setting up online access. 

The banker assured him that he could obtain five years worth of statements. At no point did he specify how this was possible, what alternatives there may be, or what charges may occur. There were FOUR of us present and none of us heard anything pertaining to the specifics while this discussion was going on. 

When we received the XX/XX/XXXX statement, we discovered that the banker had submitted an unauthorized request for five years of printed statements to be mailed to the Treasurer without disclosing any of the fees. {$6.00} were charged per statement copy, for a total of {$360.00} charged against our account without our authorization. Had he disclosed that he was doing so and that there would be fees, we never would have agreed to him doing so. 

Further complicating this is that those same statements were available for free in PDF format through the online access that was set up in the same conversation. At no point were the alternatives discussed with the Treasurer or this option referenced. In fact, NO options were referenced nor fees discussed. 

We have made SIX different complaints with Chase since this occurred. Each time we have addressed the issue of unauthorized charges to our account, the failure to disclose fees before charging them, and our request for a refund. Our first complaints were in XX/XX/XXXX and  XX/XX/XXXX ( each time after receiving the prior month 's statement ), at which point we were told that they would look into the issue and get back to us. No responses ever came. 

After no fee refunds occurred, we complained again in XX/XX/XXXX and XX/XX/XXXX, at which point we were informed that they had no record of our complaints from the prior months. Each time they said that someone else had to handle the issue and that someone would be in touch, but after four such promises no complaints have been documented and no call backs or follow ups have occurred. 

Due to a busy XXXX season, we did not follow up in XX/XX/XXXX or XX/XX/XXXX, but followed up again in XX/XX/XXXX and XX/XX/XXXX. It's become apparent that they are not documenting our complaints, which is why they are not following up. One of my in-person branch visits ( in XX/XX/XXXX ) had me speaking specifically to the JP Morgan Chase executive team over the phone. 

The lady I spoke with explicitly told me that the matter would be resolved by Wednesday, XX/XX/XXXX. For the sixth time, no one has responded or followed up, and nine months later we still have not gotten the fees refunded. During this conversation in XX/XX/XXXX, I notified Chase that if we did not have the fees back in our account by XX/XX/XXXX, I would be contacting the CFPB and they claimed that they would be making a note of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft and police report to XXXX, XXXX   and Equifax and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been dilquent past the 7 year mark. I allegedly opened this account as a student for a student loan. I believe this was predatory lending because I was under the impression that all my loans were under the Department of Education. The representative at Bank of America stated that this loan was based on my income and when I asked what income I wasnt working she couldnt provide any information. At the time I did not know what I was signing and was misled by Bank of America. In addition this loan was sold by XXXX Bank of America to another department in Bank of America in XXXX but has been dilenquent since XXXX. I asked the company to show proof that I made a payment which ai didnt because I didnt recall the loan intitally because I thought all of my loans were all in consolidation. The account is still on my credit report and it should n't be.