23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have two mortgages with Watermark Capital , Inc. Loan # XXXX and # XXXX They have always been slow to process payments but in the last few months its gotten horrible. In XXXX I sent out a payment through XXXX bill payment. Most of the payments through this system are processed and posted by the company to their web site in about three days. In XXXX, they didn't post it until the XXXX of XXXX, about two weeks after I'd submitted it through XXXX and 8 days after XXXX had reported it was processed, and this only after I'd called to find out what was going on. Because of this I sent paid them earlier for the balance due on XX/XX/XXXX. Again, through XXXX bill payment I sent out the payments on XX/XX/XXXX. As of XX/XX/XXXX the processed one payment on XX/XX/XXXX and the other has not been processed. 
I called on XX/XX/XXXX to find out why they haven't been processed. I was told that they would look into it and asked me to call today ( XX/XX/XXXX ) to see what they had found. When I called, they told me nothing had processed. I could see on their web site that one of the payments had been processed and when I tried to tell the first representative that, he didn't listen to me ( I literally asked him if he'd heard what I just said and he just repeated the last three words I'd spoken ) so I asked to speak to a supervisor. 
When I talked to the supervisor, named XXXX ( Unsure of spelling ) He consistently told me it was the fault of the post office and told me several times that neither check had been processed. I created a conference call with XXXX who noted that both checks had been mailed out on XXXX, that they should have been received by XXXX at the latest and that one of them had been paid. It was only then that the Watermark rep admitted that they had processed that check. He then told me that the hadn't received the check until XX/XX/XXXX though I could see on their site they received it on XX/XX/XXXX. 
At one time he told me that " as a onetime courtesy '' they would waive the fees associated with a late payment, but then later told me he could only put in a request. 
Although he consistently blamed the USPS, and holiday mail, I consistently pointed out to him that holiday mail happens before the holidays and not after, that they have always processed check slowly but for many years that process has been before the XXXX of the month but he consistently blamed USPS. 
After threatening to officially report their unreasonably slow processing practices, he became more helpful and promised to do a better job of looking into the second unprocessed payment and figure out what happened. I'll be calling again tomorrow, hopefully without needing to take a 3rd hour out of work to talk to them.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Checking or savings account

XX/XX/XXXX Chase bank closed my XXXX business account because their internal scanning software made an error and then they didn't tell me about this error until it was too late. There were about 5 weeks between the time my account was flagged and the account was closed. Nobody notified me that it would be closed. This all happened because I tried to change my EIN.

At the start, their scanning software did not scan a document properly, Then, the bank did not notify me of this problem. Most importantly, the business banker who was coordinating the EIN change ignored several internal messages from Chase to fix the error. The result was that Chase denied any wrongdoing and now the nonprofit that I run has a closed account after 20 years in business. 


XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX case # XXXX ] stating she provided oversight for activity at the bank branches. 
She took my info and then did not get back to me. When I called her on XX/XX/XXXX, she said there was nothing she could do. She told me she could not provide a transcript of our phone conversation and would not email me the result of her findings because " we don't do that here. '' When asked what document the bank needed exactly, XXXX 's response was ( over and over again ) " certificate of formation '' letter from XXXX  XXXX. When I told her ( over and over again ) that I already submitted that document, she had nothing new to say. Clearly, this was an issue with the bank 's internal software " XXXX '' improperly scanning the correct document, which threw up a red flag that no one responded to. Then when I brought the error to their attention, no one took responsibility for it. 


XX/XX/XXXX I talked with the branch manager in person. He said there was nothing he could do. I emailed XXXX multiple times and got no response. I spoke with XXXX from XXXX and Compliance Depts multiple times and he said that they sent several messages to XXXX on XX/XX/XXXX and on XX/XX/XXXX and XXXX did not respond. 

XX/XX/XXXX A customer had trouble depositing a payment to my business account. I called Chase bank and was told that the account was slated for closure and there was nothing I could do about it. The reason given : certificate of formation from XXXX  XXXX was needed. Of course, I had already submitted this letter and had already been told it was accepted. I received zero correspondence from Chase except for the XX/XX/XXXX generic email. 


XX/XX/XXXX I submitted all requested paperwork to XXXX. Later that same day, I received a generic email from Chase asking me to submit all requested paperwork that I had just submitted. I emailed XXXX and he assured me that all paperwork was correct and submitted properly. 


XX/XX/XXXX I went into a local Chase branch to change my EIN # since my business structure had changed from XXXX to XXXX XXXX. I was directed to make all of the changes through email with XXXX XXXX - a business banker who only works remotely. Over 2 days, I sent XXXX my driver 's license, a proof of existence letter from XXXX  XXXX, and an IRS letter showing the new EIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED 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: Debt collection

Company was fully paid by XX/XX/2016 yet fraudulently added interest charges to my account which were not proven to be owed. They now report my account as a charge off every month when they received full pay off value for my car
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, XXXX I have contacted Bank of America again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Bank of America owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Bank of America was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Bank of America has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Bank of America to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )
Product: Checking or savings account

On XX/XX/21, when I checked the balanced on my XXXX  Card ( XXXX XXXX  ), I was sickened to find that over 100 transactions had been made from XXXX to XXXX, all to the same merchant ( XXXX  ). The charges total over XXXX. I have NEVER purchased from this company ... I assume it's some sort of gift card App Store as the amounts range in equal dollar amount from XXXX to XXXX. 

I immediately contacted the way2go fraud department who advised me that they would send out fraud paperwork immediately ( it arrived on XX/XX/XXXX ) and I had until the XX/XX/XXXX to submit it. I found the paperwork online and filled it out and will be faxing it to XXXX on the XXXX of XXXX. 

in the meantime I've read online that this bank almost always rejects fraud cases with no cause or explanation, and there are in fact many lawsuits pending. The bank also has an " F '' rating on the XXXX  website. 

I can provide screen captures from my account but I've attached a list of all the charges that I filled out for the bank 's fraud form.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm contacting you all to wipe my credit clean I don't know who else to reach out to about this issue here. My credit score should be top notch at the highest possible point due to the fact I'm a state national and credit score does not apply to me anymore. I need the highest credit score on all three XXXX XXXX and whatever the name of other one is I can't ever think of it. Also, XXXX XXXX  is going to cause a problem on my so-called credit score because they trying to say I'm late. Which I'm not I've sent them an endorsed bill wiping out the balance. my credit cards to a zero balance I've already sent endorsed bills to each and every one that has a balance on any account that I have so there's no reason why I should not have a zero balance on all of my credit cards. My auto loan, my house loan, and all of my credit cards. I need my scores at the highest score possible that's what it's supposed to be doing the fact credit score does not even apply to me anymore so it shouldn't be a problem with me getting any credit card I want so I need my credit history corrected and if there's a criminal record on me I need that wiped clean as well please and thank you.
Product: Debt collection

I am writing in response to your recent communication dated XX/XX/year>, in which you claim that I owe a debt. I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor.

2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated.

4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor.

5. A complete record of all payments made and their application to the balance. 

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 

Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.
Product: Debt collection

About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today
Product: Credit reporting or other personal consumer reports

I write to address the unresolved issue regarding my filed complaint regarding this below account : XXXX XXXX XXXX
Product: Mortgage

1. company stated that i was late on a mortgage payment and i was charged fees for property inspection and a title search total fees charged extra was {$150.00}, call was made in XXXX regarding this charge, person on the phone stated that these where fees charged because i was late on a payment. i have not been late on a mortgage payment for past 2 years and would like the fees charged removed. 
2. i currently have a FHA loan with the same company and i am being charged a FHA loan insurance fee, currently our house is worth {$300000.00} but our loan amount is for {$130000.00}, we tried to work with the mortgage company to have this fee removed but they said that we had to do a new loan to have those charges removed - a new mortgage would cause a much higher interest rate and extremely high fees to complete a new mortgage charging us {$10000.00} in fees and charged to have the special FHA insurance removed. i always thought that the FHA insurance fee would be removed once we had a 20 % or higher loan to value. who is correct on this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, XXXX, and TransUnion regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.
Product: Student loan

Navient lied to me about my XXXX XXXX plan status with XXXX and cohersed me over the phone into agreeing to a forbearance. They initially contacted me via email on XX/XX/XXXX stating my XXXX plan was set to increase on XX/XX/XXXX. By XX/XX/XXXX they sent me a bill stating I owed them {$210.00} with additional unpaid fees of {$41.00} due on XX/XX/XXXX. My payment amount for many years has been {$0.00} as I have not had income. I am currently unemployed and my payments should still remain {$0.00}. I checked with XXXX and their system informed me that my XXXX XXXX plan was not due to rectify until XX/XX/XXXX. When I spoke to a Navient representative over the phone they told me I had no choice but to agree to a forbearance and in order to make the account current. They stated I would need to resubmit my XXXX form with them directly ( not though StudentAid.gov ) in order for my account to reflect my XXXX. I was told I had to go to ( XXXX XXXX XXXXXXXX ) fill out the form and submit it through their own website upload link ( XXXX XXXX XXXX ) in order to even qualify for XXXX. Even though it states on their own website " Income-Driven Repayment Plan Request form Only upload if you didn't submit your request at XXXX ''. 

None of the information the representative was giving me was correct and they were denying any existence of my current XXXX XXXXXXXX status. It is my understanding that they are lying to consumers, charging late fees and misleading them to agree to a forbearance. The representative informed me I had to choice and my account would further become delinquent if I did not agree to their terms. Furthermore, the representative told me that even if I resubmitted my XXXX form it would take 21 days for them to apply any changes, which would further result in delinquency. Navient 's deceiving tactics in forcing customers into forbearance is unlawful and needs to be address ASAP. It seems there is a lot of literature online about this company doing this to many loan holders. Navient has done this to my many times over the past few decades, and unfortunately until know I was unaware of their unlawful practices.
Product: Credit card or prepaid card

JCP Credit card was opened fraudulently using my personal information, This was not authorized by me.

See attached FTC affidavit of identity theft.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX