23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the end of year XXXX CHASE bank made me pay {$390.00} becauseof a shortage on my account, which I paid for XXXX beginning.. the escrow acct go from XX/XX/XXXX to end of XXXX, XXXX I Requested to see my escrow acct not only I was not in a shortage but I have a balance of {$2000.00} on XXXX XXXX making a XX/XX/XXXX balance of {$2900.00} to start the year ... I never missed one mortgage payment or be late .. I make an automatic advance every 2 weeks to pay the next month mortgage ( I use this to minimize my interest in the long run ) and give me 2 more payments every year which could be applied on the principal or escrow if needed it. 
.On XX/XX/XXXX after Chase payment of the property tax it was a shortage of {$140.00} XXXX payment ( {$590.00} ) making a balance of {$440.00}, XXXX {$1000.00}, XXXX, {$1600.00} ..plus an extra payment of {$910.00} from 2 weeks over pay, making a balance of {$2500.00}, not {$1900.00} ... .. there was a lot of confusion after I called to put my 2 years extra payments ( included extra of XXXX ) on my principal, the conversation was recorded and easy to listened to and all could be easily corrected ... .. I went to Chase branch, write letters after letters calling 20 times ... for 5 months ..I get a different explanation each time, but can not get satisfaction .If I did not supervise my acct I will never know the missing .What about if they are doing this for thousands of mortgages who do not have the time or the understanding to calculate their acct.? it is scary. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed several credit cards that were discharged in XXXX, and the debt was completely discharged, and every year the company resales the debt and places it back on my credit report with an updated date. I recently requested for it to be taken off my credit report and now it shows opened in XXXX which is absolutely not true. The company continues to allow these companies to put themselves back on my name and what happens it extends the length of how long debt will be on my name. 

Credit Cards : All Companies were discharged and no new accts were opened since that time, the companies were contacted from the BK XXXX Discharge court and the credit bureau report is saying the court documents are old their old because the discharged debt continues to be resold and dates updated each time i dispute with the incorrect date the acct was closed. 

XXXX XXXX Account was originally opened in XXXX and should show as closed and not in collections. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX has violated my rights. 

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

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

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

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

In accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I was shocked to find unauthorized inquiries. I tried refreshing my browser, hoping it was a temporary issue, but nothing changed. Im extremely frustrated by this and need the documents Ive sent to be thoroughly examined so that this never happens again.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your money.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a wire in the amount of {>= $1,000,000} was wired to me by my attorney for a sale that concluded. The wire went to Wells Fargo Bank, XXXX XXXX as they are the intermediary bank to my credit union, who was notified that the wire in a very large amount was coming and they wanted to verify me as a client of the credit union. 
All information was recorded properly on the wire receipt but Wells Fargo told me that they do not know where the money is and at first stated, that they never received it. 
As of XXXX, XX/XX/year> they now say from the wire department, that it is probably with compliance but they are not sure. I asked how do I get in touch with compliance and they said they did not know but compliance should be getting in touch with me. Then the wire department said that because I did not have a Fed Transaction number they could not tell me where my money is at. I explained it came from out of the country and I read them the XXXX  XXXX but I was informed the I needed a XXXX number that I had never heard of ; the reason was that the number is strictly for some type of Russian Transaction to which this is absolutely not. They also said that if I do not hear anything within 90 days, they will either release my money to me or return the funds back to the originating bank. I am now in my XXXX day since my wire was sent and no communication from Wells Fargo. The sending bank has stated that they are not in receipt of my funds being sent back and that in fact it is well beyond the time for the wire to be sent or called back.
Product: Debt collection

I have been telling this company for years they billed me after service was discontinued and they keeoo Pk putting on my report over and over
Product: Credit reporting or other personal consumer reports

My name is XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMC Auto after the catastrophic event of Harvey, we called to notify Chase that our car had flooded. 

We then immediately contacted the car insurance company. After we called them it took so much time because so many XXXX  residents were impacted. I called Chase to notify them we would need to reconcile the status of the car and they extended the payment out 30 days. 

They then received both payment from the insurance company and gap insurance. They marked our payment 30 days late after they agreed to a extension due to the nature of the flood and then they charged off the deductible, and it is reporting on our credit report. I have called chase on over 7 occasions I have notified the credit bureau and still nothing has been done. This issue is causing us thousands of dollars in interest rate fees due the negative impact on our credit report. I would like to report Chase abuse ( customer abuse ) and the impact it had on our financial well being. I have had years no decades of excellent credit reporting and this is the only blemish on my credit report. 

In addition, I submitted a letter to the CEO of chase as I have been a customer of the bank for 50 years. I would like for them to remove this blemish from my account and correct the error.
Product: Mortgage

On XX/XX/XXXX property closed as an approved short sale with XXXX XXXX XXXX. XXXX was provided with all required closing documents and full payment per approved net on the short sale approval. On XX/XX/XXXX XXXX sold or transferred servicing to Right Path Servicing. Even though XXXX provided them with all closing short sale documents and funds, XXXX XXXX did not process the documents correctly. 
The net proceeds of the short sale were recently returned to closing agent on XX/XX/XXXX. 
After multiple phone calls to XXXX XXXX I have not been able to solve the issue. Per my last conversation with XXXX XXXX they are asking me to apply for a short sale!!!! This is closed and funded short sale transaction. I no longer live in the property and XXXX XXXX  does not have a clue as what they are doing. This is closed short sale transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This late payment on XX/XX/year> needs to be removed because I made the payment on time. Please provide the bank statement from XXXX XXXX XXXX to verify that I was never late on this account. If you are unable to provide this bank statement which is the only acceptable form of verification, then this account must be updated to " paid on time, never late, '' as any reporting to the contrary would be false as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Account in question is XXXX XXXX XXXX XXXX XXXX Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXX and XX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXX to XX/XX/XXXX and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.
Product: Credit reporting or other personal consumer reports

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts was CHARGED OFF. These accounts has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates In payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report immediately.

Ive also found inaccuracies in the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As stated above According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

Furthermore, I'm aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a certificate of financing statement form from Georgia Secretary of State. Search criteria shows no results found for me to pay any financial. As the concerned consumer there shouldn't be debt that does not belong to me reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAP ONE NA '' I do not recall authorizing or " someone is using my identity ''. I understand that " RESIDENT VERIFY '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CAP ONE NA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAP ONE NA to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CAP ONE NA - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CAP ONE NA '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me.
Product: Debt collection

Debt for toll was paid when XXXX XXXX charged my credit card XX/XX/2021. Proof of charge is attached.
Product: Credit card or prepaid card

I have 2 PROMOTIONAL DEFERRED balance accounts within my XXXX Consumer Credit Card serviced by Synchrony Bank. One balance expires in two months on XX/XX/XXXX and the other expires 18 months into the future on XX/XX/XXXX. When I made a payment in XX/XX/XXXX, I noticed on my ensuing statement, {$21.00} was applied to the XX/XX/XXXX balance with the larger remainder going to the XX/XX/XXXX balance. I had to call in and ask it be applied correctly, and in line with their stated policy on their website under payment allocations, which is, payments are applied to expiring promotions first. How is XX/XX/XXXX expiring before XX/XX/XXXX? I was told that I would have to call each month to have my payment applied correctly. This is also wrong as there is an option on their website to pay my payment and I can choose allocation, which in fact, was as stated above - to expiring promotions first. This bank takes NO responsibility for this error and simply they will fix it. I am asserting they do this improper allocation WITH PURPOSE to cause all deferred interest to apply when promotion expires. Unsuspecting consumers probably would not see a small portion applied to a second line item, and immediately upon expiration all standing interest would be posted - for me to date, that is over {$600.00} in interest. Synchrony Bank is very shady and purposefully potentionally harmful to the consumer unless the consumer is wildly alert like myself.
Product: Mortgage

During the financial crash i applied with Bank of America to get a loan processed through the making home affordable program, the bank continually lost the modification information or just said it was not sent and was confirmed by employees to be in the database, this was Country Wide loan originally was finally modified with all the fees attached that were not due to me but solely due to Bank of America loosing information or just lying saying it was not sent. It is now with XXXX XXXX and is a predatory loan that is more then I can get refinanced and has a really bad rate with no value in the house due to the added on fees from Bank of America i have continually tried to get this modified but i am now unsuccessful due to the additional fees added to the modification by Bank of America. 
the payment for this loan is increasing from {$2500.00} to {$3900.00}. This is making the loan very hard to pay and the house is worth less then the mortgage amount. 
As this loan has been moved from County wide to Bank of America to XXXX XXXX to XXXX XXXX I can only reference the original problem cause of Bank of America
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Report Information Under FDCPA Section 15 To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been disputing inaccurate information on my XXXX credit report for several months to no avail. 

Specifically, XXXX is reporting [ describe incorrect information ] regarding an account with Southwest credit Syste This information is false and violates Section 15 of the Fair Debt Collection Practices Act, which prohibits deceptive or misleading representations by debt collectors. 

I have disputed this inaccurate information in writing with XXXX multiple times, most recently on XXXX/XXXX/2023. However, the information remains unchanged. 

I request that the CFPB immediately investigate XXXX for violating provisions of the FDCPA by allowing this misleading information to remain on my report after multiple disputes. I have enclosed copies of my dispute letters as evidence. 

Please contact me at [ phone number ] or [ email ] to discuss this complaint. I look forward to your assistance in resolving this matter. 

Thank you, XXXX XXXX