23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a conventional home mortgage loan with Ameris Bank. On XX/XX/XXXX I refinanced my mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX At closing, XXXX XXXX paid my property taxes for the year XXXX. Therefore, the money Ameris Bank held in escrow for my property taxes needed to be refunded. 

XXXX sent me a letter on XX/XX/XXXX stating that they owed me an escrow refund of {$2800.00}. 

I called Ameris Bank on XX/XX/XXXX to inquire about my escrow refund check. I was told that on XX/XX/XXXX a refund check had been issued and maybe got lost in the mail since I moved. I was asked to wait a few more days since a check could not be canceled until 30 days after it was issued. 

I called Ameris Bank on XX/XX/XXXX because my refund check had not arrived and I had allowed ample time for the mail to be rerouted to my new address. I was getting all my other rerouted mail at my new address, including checks and bills. I was told on XX/XX/XXXX that the check must have gotten lost so the associate canceled my check and I was told another would be issued to my new address. This check still has not arrived. 

On XX/XX/XXXX I called Ameris Bank again since the check that was supposedly issued on XX/XX/XXXX never arrived. I explained the situation and said I wanted a more effective resolution. I was transferred to a manager who said she escalated the situation and that I should receive a call. I was never called back. Later that day, I called again. There was no record of my call earlier that day. During my second call, the associate put me on hold and canceled the check from XX/XX/XXXX and came back on the line to say she issued a third check. Because the associate did this, I am unable to escalate the issue for another 30 days. 

I never received any of the refund checks, even though I am able to receive mail and I have received my refunded mortgage insurance so I do not believe there is an issue on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an  account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX JPMorgan Chase Bank, N.A. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX Chase Account # : XXXX Original Creditor : JPMorgan Chase Bank, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. Chase closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by JP Morgan Chase made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my JP Morgan Chase to collect the debt. After the settlement was made XXXX XXXX and JP Morgan Chase refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and JP Morgan Chase to collect the debt. I am requesting that JP Morgan Chase either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to JP Morgan Chase and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX PARTIAL XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

SmartMoves part of Transunion is recklessly reporting inaccurate personal information as to rent-worthiness to potential landlords without federal oversight regulations or accountability for profit. SmartMove part of Transunion required telephonic verification of my identity through their customer service phone number. I complied. I was asked a series of questions that were " directly from my current credit file ''. I was asked on my 1st attempt " what city and state does XXXX XXXX live in? ". This person for which I have had no direct affiliations with but, by happenstance, was my sibling 's former spouse that has not had any contact with me ( or any family members that I inquired with before filing ) of a period greater than 20 years. SmartMove then asked me another question regarding " what city I was most recently affiliated with? ". They referenced city names I'd absolutely no personal affiliation but one of the cities named was, however addressed in prior litigation ) with no reference to states that those cities were from such as XXXX. When I asked whether it was XXXX, XXXX or XXXX, XXXX or XXXX, XXXXXXXX, they said they wouldn't know but I could choose from the options given and see. I was also how much was the payment for my " currently active revolving credit account ''. I don't have an open, active revolving credit account nor have I ever had a credit card throughout my in entire XXXX  years of life to my best recollection. They allowed only 2 attempts before lock out with more strenuous steps was imposed. If this lockout occurs, that may take up to 3 weeks or more for any resolution and isn't negotiable in any way to state this information that they're referring to may have originated from incidents of identity theft or fraud. I ultimately and understandably failed every attempt at the completely unreliable, unreliable credit worthiness, accessment and summation of personal rental credit-worthiness, and background report questions that were, again, not current nor indicative in any way as to my personal credit usage throughout my lifetime. SmartMove blames Transunion and Transunion faults SmartMove ; neither entity able to give an account of the rationale for the misrepresentations of the " credit-worthiness and background check reports ''. This has far-reaching negative impact on my life, liberty, and civil freedoms to pursue suitable and safe housing and domicile as a direct result of their namely " comprehensive leasing recommendations '' and " tenant risk analysis '' by using erroneous, incorrect credit data and/or misrepresented consumer " income insights '' that reports to landlord and real estate lessors whether I earn more or less money yearly based on this erroneous, unfounded credit report information. 
I've been unable to find a home or place of domicile for a period greater than 1 month because the information understandably and rightfully can't be verified because it's wrong and no relation to me without remedy to correct it or answers readily-avaiable as to why it's there in their system but not on my credit report.
Product: Credit reporting or other personal consumer reports

CFPB, Chex Systems is governed by the Fair Credit Reporting Act ( FCRA ). 

I do not have access to my file as the law permits. 

Please see attached for what happens every time I try and login. 

I have filed numerous CFPB complaints to no avail. 

Chex Systems tells me to call in. 

I called in 3 times this week. 

I asked to speak to US representatives. 

I spent no less than 2 HOURS on the phone on hold - as well as speaking to representatives this list. 

Tuesday, Thursday, and Friday. 

No one has resolved the issue. 

By law I need to have access to my online Chex Systems account- and they need to fix this. 

To this complaint- I will attach the picture I see when I try and login, my full contact details, as well as a past Chex Systems report to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think XXXX ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Product: Credit reporting or other personal consumer reports

Just recently I have found out that XXXX XXXX  has violated their rights under the Fair Credit Reporting Act. XXXX XXXX accessed my report without my written consent per 15 U.S.C 1681 ( civil liability for willful noncompliance ). There are over XXXX inquiries on my report and all of it must be REMOVED immediately as the consumer I am not opting out of XXXX XXXX. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 

12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 
Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

My child had cash app and I accidentally sent my money to her but because shes a minor they needed my information she couldnt send it back I sent them my ID information and account information but yet my funds were never issued back and they wont issue out me a new cash app card after speaking to someone and sending them my ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX XXXXMy Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Product: Credit card

STRONGLY PREFER EMAIL OR CFPB RESPONSE FOR RESOLUTION. 

This problem has occurred MULTIPLE TIMES for me with American Express 's Offers. In the past I have let this problem slide. But I'm sorry time I will NOT let things slide. 

I saw an American Express " Offer '' ( cashback ) after logging into my American Express ( AmEx ) account in XXXX, 2024. The AmEx Offer promised that if I spent {$300.00} or more on room charges at an eligible XXXX XXXX before the deadline then I would receive a cashback of {$120.00}. 

That is exactly what I did. I as a consumer followed the promotion perfectly and therefore I should be credited the missing promised {$120.00} cashback. I went to XXXX on XX/XX/XXXX and made a hotel booking at an eligible hotel. The total charges of the booking are {$360.00}. 

It is important to note that this booking that I made. XXXX XXXX XXXX # XXXX is 100 % NON-REFUNDABLE and CAN NOT be cancelled. This is why I must receive the promised {$120.00} cashback. 

I can not understand why but the charge of {$360.00} appeared on my AmEx card and then immediately disappeared. I am not sure sure why. I have followed the promotion perfectly and I am eligible for the {$120.00} cashback. But I can say with absolute certainty that the booking that I made because of the advertisement for {$120.00} back on AmEx Offer, that this booking is 100 % non-refundable. Perhaps it will be re-charged upon check-in.. but I know for a fact that I used the correct AmEx card. 

I did NOT make any changes nor edits of any kind to my XXXX booking. It must be a " glitch '' either on XXXX 's end of on AmEx 's end. Either way, I made the eligible purchase and I am due the {$120.00} cashback as the booking also can not be cancelled. The booking says it 100 % can not be cancelled. 

I selected to prepay the hotel so again I am uncertain why the charge would appear and disappear unless this is some kind of game that XXXX or AmEx is playing. 

The {$120.00} cashback briefly appeared in my account and then disappeared. The AmEx Offer has now DISAPPEARED from my account. 

Either way, because I booked this hotel only due to the AmEx Offer and because I followed the promotion perfectly and I have not made any changes what-so-ever to the reservation.. so AmEx needs to honor the {$120.00} cashback. 

I am attaching proof of the reservation and showing that it is completely non-refundable, non-cancellable, and non-changeable. 

This is very upsetting that I need to make so much effort to fight with AmEx when I followed everything perfectly on my end! Plus this is also not the first time this has happened to me with an AmEx Offer before.. so I'm really tired of losing out on expected cashback because of whatever is happening here. 

I'm very angry about this and AmEx needs to ensure that I am credited for this one. I've been an AmEx customer for many years and don't deserve to be treated like this. 

When I contacted normal AmEx chat support.. they were uncooperative to help investigate this situation. 

STRONGLY PREFER EMAIL OR CFPB RESPONSE FOR RESOLUTION. Please do not respond by postal mail as I am currently traveling for the next several weeks.
Product: Credit card

PayPal Credit signed me up for unwanted online credit, which I did not request or authorize. It also sent me a credit card statement with XXXX charges on it that I never ordered. Please see my letter to PayPal Credit dated XX/XX/2016 which gives more details on this issue.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 30 days 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.

AMEX 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: Debt collection

I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.
Product: Debt collection

I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
Product: Vehicle loan or lease

My car was repossessed I pay to get it back and been paying on it since i got my car back but yesterday I call because I need to extend my payment and I was told that my loan was charged off But I been paying on my car for months it show on my card report that it was charged off and XX/XX/22 but I still been paying on my car I also was Charged a down payment when I first got my car I have a payments do this Friday for XXXX I don't have my title for my car I have all my paperwork my car still has balance of XXXX you can contact me a XXXX