23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have been in short sale XXXX with Chase for the last 7 years. In a nutshell, I lost my job in XXXX of XXXX in XXXX. I had to relocate to XXXX since there were no jobs available in XXXX and had to leave behind my house I had n't even lived a year in after purchasing so I worked with a realtor to put it up for short sale. My husband is XXXX and I also had a 9 month old at the time. After moving to XXXX, we realized we could n't manage living in an apartment and barely making ends meet so my husbands parents offered to have us move out to XXXX. We have been out here since XXXX of XXXX. For over 2 years, I had many decent offers on the house, but Chase never got back to my realtor about accepting an offer, then finally after 2 and 1/2 years, declined to let me short sale it, even though I had about 6 different offers. 
I waited for almost 2 years to see if they were going to foreclose, they never did. I contacted them again in XXXX to see if I could give them a deed in lieu of foreclosure. They said I had to try and sell it. I told them about trying before, they said it did n't count and I had to try again. So I got the same realtor to help me out, we had multiple offers again, and finally had one that worked very well. Chase made it very difficult to work with them, but we complied at every step, including me sending in month after month my paystubs, bank statements and tax returns. At one point they said we had to try and sell the house at XXXX. The buyer agreed, then Chase countered again with {$500.00} more dollars! Luckily my buyers agreed to it. Now, about a month ago, they have declined the short sale again stating I had a lien on my property ... which I do n't and if I do it 's their fault because of dragging this out for 7 years now. 
My credit is shot, I have no way of improving my credit score because they keep dredging this up and having it show up. I have complied with them every step of the way and I have had so many people working on my case from Chase, I do n't even bother remembering their names. No one ever calls back myself or my realtor. 
I started out with walking away and owing XXXX and now it 's almost to {$300000.00} due to late fees, bogus insurance policies they say I had to have and other miscellaneous fees they felt like throwing in. 
Even if this lead to me filing bankruptcy, I just want to be done with it.
Product: Mortgage

XXXX : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secured creditor with power of attorney general, and Executrix on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 
BANK OF AMERICA HOME LOANS, must herein provide a true and certified copy of the complete audit trail of said accounts. furthermore, in order for BANK OF AMERICA HOME LOANS to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please settle account immediately within the next XXXX days.
Product: Prepaid card

I have been trying to get the balance due on my card for {$780.00}. 
Every time I call they tell me the check will be mailed to me. 
I still haven't received a check. 
I first called at the end of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Every time I call they assure me the check is in the mail. Twice now I've requested to be transferred to a manager. I get put on hold for over 45 minutes.I have yet spoken with a manager. 
I also have asked to speak to the accounting department and was told it's not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on XXXX and XXXX. Showing made payments on XXXX yet late payments on XXXX. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with XXXX, XXXX and XXXX and its has been well over 30 days and I havent receive any investigation results.
Product: Credit reporting

Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report.
Product: Checking or savings account

I previously had three savings accounts that were with XXXX, but XXXX was bought by XXXX and my accounts were converted to Citizens. The accounts were then set up on a weekly withdraw from another bank, so that I could build up my savings, but unfortunately XXXX never communicated to me that they would be taking my savings and applying it to a previous debt with them, which was deception and fraudulent because : 1 ) In 2016 I filed Bankruptcy with the Florida XXXX XXXX XXXX XXXX ( case number XXXX, and it was approved by the courts, before it was approved, Citizens was invited to attend the meeting of creditors, but didn't show up, nor did they offer any objections, none of the creditors objected. At this point, Citizens have violated my rights under XXXX XXXX and in addition to taking all the assets from my three accounts with them, they also forced me to pay {$36.00} to XXXX XXXX  to block them from taking additional funds, after I spent nearly two hours on the phone with their reps getting no where fast. I appeal to the Consumer Protection Bureau to rectify this matter, and to also prosecute XXXX XXXX  for violating my rights under XXXX XXXX, in addition, XXXX XXXX XXXX the CEO of Citizens should be charged with enabling fraud, it's under his leadership that Citizens has overstepped their boundaries and fraudulently taken funds that should not have been taken due to the XXXX XXXX filing. In 2016, XXXX had the opportunity to challenge my bankruptcy hearing, they choose not to attend, that is not my burden. I want all funds returned to me by check, I want to be reimbursed for the {$36.00} from XXXX that I had to pay because their Customer Service refused to close the accounts. In addition, I believe XXXX XXXX XXXX should be charged with fraud, he is the leader of this shady operation, and the buck stops at the top. I consulted with my lawyer from the bankruptcy, XXXX XXXX, he said what Citizens did was an infringement on my rights under XXXX XXXX. I expect either the CPFB, or FDC to fine Citizens for this action. I want my money back, and I dont want to deal with their incompetent Customer Service . It's time to lock crooks like XXXX XXXX up, they have ne regards for the laws of the country and do as they please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax: Shows a address as my Current Residence and I've never lived there? The other two (2) Credit Bureaus have the Correct Address! I'm afraid my information may have been impacted due to Hack of Equifax or XXXX XXXX. I had two (2) accounts with XXXX XXXX, One (1) which I never used with a XXXXcredit limit. Someone obviously had access to my information. The account described was eventually stolen and Charged XXXX? XXXX XXXX has cleared the account but my credit scores have suffered. Equifax has me jumping through hoops to get MY CURRENT ADDRESS changed on their records! What if they do a mailing with more of my information, to the WRONG address?I am XXXX  years old and my credit is vital me. I'll appreciate any direction you may offer. ( I'm not very good at composing business these days, hope this makes sense to you.) Thank you, XXXX XXXX
Product: Vehicle loan or lease

On XXXX a XXXX agent arrived at my place of residence pounding at the door. My mother, who was working from home at the time, answered the door. She said she was approached by the agent demanding to know where I was. She explained I was not at home, as I was not, and she was called a liar because he saw a dog at the window and assumed it was me. I have a receipt from the time he was at my house to show I was nowhere in the vicinity. He claimed the payment arrangement was not kept as agreed, which is a lie considering they accepted and cashed a full months payment dated XXXX. I also was just in the hospital for an acute flare related to my chronic XXXX ( I also have proof of this ) and was released on XX/XX/. I left my home to getgo around XXXX. He arrived at my house after XXXX. I have a receipt from getgo showing I was there after XXXX. This is outrageous considering this was not someone with any right to arrive on my property acting in such a manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Mortgage

was on a forbearance plan XXXX XXXX, XXXX and XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told I qualified for a loan motification. I was offered a medication of 3 % with a payment of {$1600.00} with the first payment due XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX confirming my application was complete and if they needed additional information at a later date they would send a letter or notify me to provide additional information. Otherwise, paperwork would be sent outlines the terms of the modification. 

I never received a letter nor was notified that additional information was needed, I called XXXX to inquire why I had not received the paperwork outlining type terms and was told paperwork would be on the way. .she told me it could take awhile but the forbearance had been closed. I again called on XX/XX/XXXX still not having received the paperwork and was told she did not know why it had not be sent but she would keep on eye on it. I never heard back from her. 
Because I was told my payment would be due on XX/XX/XXXX and I had not heard anything back I called again. I spoke with XXXX who told me she did not see anything in my file but could offer me a new modification agreement at 3.375 %. I did not feel that was fair as I had been quoted a 3 % with a payment of {$1600.00}. 

Since XXXX I have spoken to 20 representatives from US Bank and continue to be told someone is looking into it. I was assigned a relationship manager but have never been able to speak with her personally despite many, many calls. I feel I was misled and US Bank misrepresented information they gave me. I have since received a new modification agreement at 3.375 % which I feel I must accept or I will lose the opportunity to have a loan modification. I have dates and names of all the representatives I have spoke to but no dedicated representative that is following my case even thoughI was told was was assigned. 
I feel USBank is taking advantage of its customers and provided the worst customer service I have ever experienced with a mortgage company.
Product: Credit reporting or other personal consumer reports

There has been an unauthorized account opened under my name. I am a victim of identity theft and have filed reports with the FTC, local law enforcement, and as well as my bank. 

Someone has used my personal information to fraudulently open an account with J.P. Morgan Chase Bank. I have contacted them before to try to get them to help me resolve this issue but was faced with neglect of my consumer rights every time. 

Also, I reached out to the credit report agencies XXXX and XXXX multiple times previously to notify them of this situation I am dealing with. Yet, they as well, are neglecting me my consumer rights are refuse to make the correction to my credit report. 

Their noncompliance has taken a toll on my credit and has made my life difficult since it is harder to find housing, due to their mistakes that they deny to correct. 

The subjected accounts details are below : JPMCB CARD XX/XX/2020 {$2700.00} XXXX
Product: Credit card

RE : XXXX/CitiBank Credit Plan credit card account I paid my balance in full by phone on XXXX/XXXX/16 BEFORE the due date of XXXX/XXXX/16 because their website was down, which I 've always used to make my payments ... and I ALWAYS pay in full! I also rec 'd a confirmation number from the phone customer service rep. However, when I rec 'd my next statement ( on XXXX ) there had been no payment and there was a late fee and interest. I was flabbergasted and confused ... and VERY upset! So, I immediately called and talked to XXXX, another phone agent, at Citibank ... who took my information AGAIN over the phone and promised to correct the error. When I checked my credit report later, I learned that they had listed my account as 30 days past due. SO, I website chatted with another Citi agent/manager XXXX XXXX XXXX, who instructed me to write a letter and they would correct the error ... again. They did reverse all fees and interest, BUT never corrected my payment history. This is inexcusable and of no fault of mine ... and REALLY damaged my credit, which was perfect. Please HELP!
Product: Debt collection

There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$450.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

Good Day, An Experian representative advised me to use an Experian portal located at Experian.com/Upload to upload proof to substantiate my claim that an inquiry should have been removed this month, XX/XX/XXXX. Instead, something unethical has occurred. Somehow, the information has been changed on the " XXXX  '' inquiry. The documents I upload will show that on a XX/XX/XXXX Experian report as well as on a XX/XX/XXXX Experian report that this inquiry was supposed to be removed this month, XX/XX/XXXX. However, when you look at the report that was generated on XX/XX/XXXX you will see that the information has been changed on this inquiry. Instead of being reflected as XXXX, it has been changed to reflect as XXXX XXXX. Also, the inquiry date has been changed from XX/XX/XXXX to XX/XX/XXXX. The removal date has been changed from XX/XX/XXXX to XX/XX/XXXX. 
I won't speculate to the potential unethical practice of Experian and/or not limited to the reporting creditor in regards to this matter. Furthermore, I requested my Experian credit report from XXXX and I had the opportunity to review it on Saturday, XX/XX/XXXX. On this report, neither inquiry mentioned above is listed. I will provide documentation to show this as well. Due to the conflicting reports, the many inconsistencies, the name changes, the date changes, and etc., this Inquiry previously reflected as XXXX, that is now mysteriously being reflected as XXXX XXXX, need to be removed as it was initially scheduled to be. 
Please advise and remove this inquiry as it should have been removed this month. Please note, that I already disputed and provided proof to Experian of the inquiry listed above that was to be removed this month, but instead, the inquiry information was changed. Experian did not resolve the dispute in my favor despite me providing evidence of my claim. This dispute was filed on or about XX/XX/XXXX. As a result of Experian failing to remove this inquiry, in spite of having proof, I am left filing a complaint with the CFPB to assist me with this matter. 

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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this below inquires with Equifax directly and they only responded " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' There are NOT factual. This is to notify you that I contacted the following inquiry creditors for proof of authorization to pull my credit. I do not recall placing an application with such creditors, nor do I agree to having had my credit pulled by such creditors. I reached out to the creditors who placed the inquiry and requested they remove the credit inquiry from my credit profile. XXXX XXXX XXXX responded that they will remove the unauthorized inquiry. XXXX XXXX received a dispute via certified mail, XX/XX/XXXX, and has failed to respond for the unauthorized inquires on XX/XX/XXXX and XX/XX/XXXX so I am assuming they have no such documentation. XXXX   XXXX received a dispute letter via certified mail XX/XX/XXXX and has failed to respond as well. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I am enclosing a copy of the letter mailed certified to the inquiring creditors, along with XXXX 's response stating they do NOT have records of my inquiry and are removing the inquiry. I have also attached certified receipts for the letter mailed to XXXX XXXX and XXXX   XXXX. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate, unverifiable information on my credit file and liable for monetary damages. Thank you for your cooperation.
Product: Credit card or prepaid card

My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX. 

I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this. 

This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected. 

I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}. 

I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.
Product: Debt collection

Someone opened an electric account in my name, ending on XX/XX/XXXX of XXXX. The account was for XXXX XXXX XXXX for address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  My name is XXXX XXXX and I have NEVER lived in XXXX nor do I know anyone in that state. This is fraudulent.