23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XX/XX/XXXX my wife and I assumed aassumed an FHA loan through XXXX XXXX. Our loan was taken over by another company after about 6 months or so. The latter company was PHH Mortgage Services. PHH Mortgages Services handled all of our escrow affairs for about XXXX XXXX years. Somewhere in the process it seems that the escrow account was mishandled, in which has led to a significant deficit in our escrow account. XXXX sent out a check to us prior to this deficit stating that we didn't need that much in the account per my conversation over the phone with one of their reps around XX/XX/XXXX. I asked the represetative sveral times if whether or not they were sure in which I recieved an affirmative reply. Upon year end ( XXXX ), property taxes were paid out of the escrow and the account went into a negative ( about {$2500.00} ). Not long after this they sold the loan to XXXX Mortgage. In the process of selling the loan XXXX allowed our home insurance to lapse, adding insult to injury. This led to XXXX XXXX picking up an insurance policy unbeknownst and unapproved by us. This push us even further into a deeper deficit. Inevitably, property taxes comes around to the current year and we are now face with a substantial negative balance in escrow. For the month of XX/XX/XXXX our mortgage payment doubled ( around {$3600.00} ). As we were unprepared for this new amount, we faced a delinquent account. We are now struggling to make these new payment and are on the verge of going into default. If there is something that can be done please assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the list of the erroneous account reporting on my Credit Report : XXXX  - AUTO FINANCE-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account 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

XXXX XXXX ( Account # XXXX ) is reported inaccurately on my credit report across all three major bureaus : XXXX XXXX XXXX XXXX and TransUnion XXXX The information reported does not comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, and shows multiple discrepancies : - Inconsistent Dates : Dates such as 'Date Opened, ' 'Date of Last Activity, ' and 'Date Reported ' do not align across credit bureaus and contain gaps that suggest inaccuracies. 

- Account Status Inaccuracies : Although the balance is {$0.00}, the account is still reflected with late statuses like 'Late 60 Days ' and 'Late 90 Days, ' which do not correspond to the accounts final status.

- Failure to Provide Verified Documentation : I have requested verification of these data fields, but XXXX XXXX has not provided documented proof of accuracy or compliance with regulatory reporting standards. 

This inaccurate reporting has unfairly impacted my creditworthiness, and I request either verified documentation of compliance or immediate deletion of the account from all credit bureaus.
Product: Checking or savings account

I have a stock account with Robinhood. I contacted the business on XX/XX/18 to withdraw my funds as I am experiencing an economic undue hardship and have a financial emergency. I explained to XXXX the situation and they were supposed to cut me a check for the money I had avail in my account. That was over 10 days ago and the money is still sitting in my account. I have reached out to them on several occasions explaining I need my money ASAP and they will not respond or send me my money. The last time I spoke with a rep was XXXX XXXX on XX/XX/18 who verified all my info to have a check cut and the money is still sitting in my account with robinhood. They refuse to disburse my money to me. I am getting charged penalties due to Robinhoods fraud of keeping money of mine that they refuse to send to me.This is securities FRAUD and they are stealing my money. I need a check in the mail overnighted. It has been over a week and they refuse to acknowledge my request.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

Chase bank put froze my checking account after I deposited {$25000.00} in inheritance money. In total, they are holding over {$26000.00} hostage which includes my monthly social security payment. Chase asked me to tell the executor of the trust who issued the check for $ XXXX t to go to a Chase bank branch and show two forms of ID. The executor is traveling now and he can not go to a Chase bank. In the meantime, all scheduled electronic payments are getting declined because Chase won't remove the restrictions from my checking account. Please help! 

Thanks in advance. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX We closed our account with XXXX in XXXX and moved our money to Huntington in XXXX . Then on XX/XX/XXXX we closed our account with XXXX XXXX   in XXXX and also put those funds into Huntington for a much higher interest rate that XXXX gave us. We had 2 % for 1 year if I stayed at XXXX and 1.5 % for 1 year at XXXX XXXX. It made total sense to leave the other banks based on the amount of money we had to deposit. We were told that our rate would be 2.5 % for XXXX year in this money market fund including any other deposits made during that year such as my Social Security checks. I worked with the manager of the  XXXX Huntington, XXXX XXXX. 
Approximately two months ago we noticed that our interest rate had dropped to .5 %. which had been going on for two months prior to us noticing. 
I called XXXX XXXX numerous times and also visited twice. His response left me feeling positive that they were going to fix the problem. XXXX told me for the last two weeks that it will be taken care of by Friday of those weeks. It did not happen. I then tracked down his district manager XXXX XXXX who XXXX said he was working with on this problem. I was told on Monday XX/XX/XXXX by XXXX that the 2.5 % promotion was on the cusp and this special promotion was no longer in effect and only good for 6 months and not 12. She stated that it had been turned over to another department for review. I asked XXXX to check with them and call me back that day. She did not call. I called her back the next day and left a message. No call back. I have my doubts that anyone is working on it. If they were, I can not accept that they have been for 2 months. It should not take 2 months to fix what I was told. I have plenty of proof that I was told I was getting 2.5 % for one year. 
As a side note, We have been doing business with Huntington including our company business checking and escrow accounts since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Checking or savings account

I tried to opening an checking account and was not able to open the XXXX account at Washington Federal.
Product: Debt collection

I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act. 
I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) .I am NOT requesting a verification but I am requesting for validation. I Am requesting that your office provide me with evidence that I am obligated to pay you.

.Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that Iagreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you.
Product: Checking or savings account

I had a check for {$16000.00} that was sent to the IRS for tax payment. It was made out and mailed on XX/XX/2019 and cashed on XX/XX/2019. The IRS stated that they haven't received the funds although it was cash by the IRS. The endorsement on the back of the check is different from the check cashed in the previous year. I was sent a claim form that required the IRS to sign the form which is almost impossible to get. In my initial call to Chase the IRS agent was on the phone and provided her ID # and stated that the check wasn't received. I have tried for 4 hours to get someone to sign the form but that is almost impossible. See that Chase is the largest depositor or transfer of funds to the Treasury in the world it should be easy to identify if those funds are in the possession of the Treasury or refunds me the funds that enabled fraud to happen at their back because the endorsement states that Chase cash the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Product: Debt collection

This company has reported allegedly owed monies to credit agencies without verifying the veracity of the debt owed. Theyalso did not resolve the dispute that I had made on the allegedly owed account ( I disputed within 30 days of the originalletter ). 
I have never received any communications from Amsher except for one ( 1 ) letter demanding payment. When I contacted them to ask why they reported this account to collections, the operator decided that Amsher was in the right, I was in the wrong, andthen hung the phone up on me. This bullying tactic is unfair to me as a consumer, and the fact that they decided to damagemy credit without verifying a debt owed is proof that they are violating the FDCPA. 
Under the FDCPA, Section 809, clause B : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As a consumer, I have the right to receive verification for a disputed debt within 30 days. I did not receive that. Subsequently, Amsher reported the account ( without verification XXXX to a credit bureau, which harmed my credit. When I called to get information on why the account was reported to credit bureaus, I was hung up on by an operator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has acct XXXX XXXX acct # XXXX as charged off. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Product: Credit reporting or other personal consumer reports

I have tried to update my address, phone number and place of employment. The XXXX credit bureaus have not updated current information. I also XXXX XXXX XXXX some past inaccuracies with the XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit card

Discover Card has revoked my account. When I was discussing the details with them today. They said that it was due to " failure to meet the minimum financial requirements '' when I asked what this meant they gave only a vague answer and said that it was permanent and irreversible. 

Firstly, they did not provide adequate notice that the account was going to be revoked nor provided an opportunity for me to fix the issue. They claim that " communication was sent in XXXX '' however, checking my month 's previous mail they did not provide any written notice via XXXX. There was a secured message on my Discover online account form XX/XX/year> however, Discover has locked the account and I can not read what the message says. 

Secondly, I contest exactly what they mean by " failure to meet the minimum financial obligations '' I entered into a repayment agreement with a credit consolidation company in XXXX and Discover rejected the agreement, again I was only given a vague reason. The purpose for entering into the agreement was to consolidate my credit and get lower interest. If Discover is interpreting entering into a repayment agreement, this as a failure to meet financial obligations then they are misunderstanding me. 

Also, I was a commissioned based salesperson who for a period of a couple months, received extremely low pay. I tried contacting Discover to apply for an emergency forbearance, again because they locked the secure message center on my account, and I couldn't provide my paystubs as proof of financial hardship. 

Also, Discover mishandled a fraud claim. I tried contacting a merchant who kept recurring billing me. When they would not respond, I contacted Discover get a new card issued so the merchant would quit billing it. Instead of reporting it as fraud, the Discover agent reported the card lost/stolen so the merchant was able to continue billing it.

Also, Discover called my parents for debt collection. This was a flagrant violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from Transunion was unable to help me remove 8 fraudulent inquires on my credit report. She asked me the names of injuries I was calling about and when I told her the names of them she said she could not disclose any of results of the dispute by phone. I verified all my information and she still stated that she could not help me. I asked to be transferred to a supervisor. After 5 minutes, I was then transferred to XXXX XXXX. Again, I had to say all my information such as Address, Phone Number, and social security number. I was a little nervous doing this as I feel I just gave out all my information. I realized that the last names of the people that I just spoke to had the last names of colors. I voiced my concerned that I was concerned that this might be a scam. I asked XXXX where they were located and she said that we were on a secured line and this call was being answered away from the united states. I am really worried not that I just gave out all my information to a potential scam artist. I am upset that I have been a victim of identity thief and it is very difficult to get Transunion to delete hard injuries that were not done so by me. I am now struggling to fix my credit by this credit bureau. I had asked XXXX when I would receive the dispute information on the 8 inquires that I placed on XX/XX/2018. XXXX stated that it was completed and sent yesterday on XX/XX/18 and should have gotten an email regarding the disputes. I told her I had not received an email yesterday as she stated and asked if it could be resent to my email address. I had to give her my email address since she said she could not give me any information out. XXXX did say she can send me a copy of my credit report in the mail that I should receive in the next 5-7 business days. XXXX also gave me a number for supposedly the online dispute department to see if they can help. I am very worried to give that number a call since I feel like this credit bureau, Transunion is scamming me and not helping me fix my credit as I have been a victim of identity thief. They were not able to send the results of my dispute via email. When I called the online dispute department, I spoke to XXXX XXXX and had me say all my information again. She did confirm that I did call in today and said the 8 dispute inquires have been resulted and that a new credit report will be sent to me in 5-7 business days.
Product: Credit reporting or other personal consumer reports

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items. I sent my state id social security birth certificate and XXXX  confirmation trafficking letter still they refuse.
Product: Debt collection

Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.
Product: Credit reporting or other personal consumer reports

there are different last date of activity showing 3 different dates.. asked then to remove immediately.

How is this account accurate when the date of last activity shows 3 different dates. violation and to remove immediately Asked for method of verification, how is it accurate when it shows 3 different last date of activity, what was the method of verification? remove immediately.

asked for proof of validation, method of validation, send me the proof of validation or remove this account for failure to CONDUCT a proper Investigation. 
Late payments after charge off., prof of validation. violation.Because there are late payments after the closed date was reported this unverified and inaccurate account. is a Violation, please remove it Immediately They continue to report late payments after charge-off, late payments after charge off, you are in violation by continuing to report this unverified and inaccurate account. Violation, remove immediately.