23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We could not maintain employment in XXXX ( now in XXXX ) and could not make the payments on our house. We sought help from every resource available, HARP, HUD, PFS and relators among others. We attempted to execute a short sale on 3 different occasions and Chase bank deferred in each instance until the buyer could wait no longer. We contacted Chase several times regarding each of these contracts of sale but they would not respond. We also contacted Chase and asked them to supply the original documents to illustrate their proof of ownership and again they did not respond ; as we thought that perhaps that might be the reason they did n't process or acknowledge the contracts of sale. We completed the required change of address with the U. S. Postal Service and all mail was forwarded to our XXXX address. We also provided the same information directly to Chase. The contracts of sale were also constructed to cover our delinquency of community association dues. 

The short story is that Chase foreclosed on the property via a third party and subsequently purchased the property themselves via the same. Although the transaction history they supplied in the foreclosure documents indicated documents were mailed informing us of the auction and foreclosure, they were never received. The only document we received was the final foreclosure document, followed by a subpoena to address the delinquent community association dues ; as these were not addressed by Chase. Also, Chase 's final purchase price was well below any of the contracts of sale provided to Chase. 

We can not afford to pay the almost {$3000.00} of delinquent community association dues. We feel this was a deliberate action by Chase to ignore the contracts of sale and then purchase the property leaving us with the fallout. Our opinion is that this does not even pass the smell test. As our court date is about a month away, we would very much appreciate your immediate assistance so as to not incur additional cost. Thank you so very much for your assistance in this matter.
Product: Payday loan, title loan, or personal loan

I have an Upgrade card ( account # XXXX ) and a line of credit form them of {$8500.00}, yet they have not reported to the credit bureaus the extent of my credit line. 

They have only reported my amount owed. Upon calling the company, I was told that it is viewed as a " personal loan '', and therefore they were not obligated to report the full line of available credit. However, my amount owed shows up on my credit report under " revolving accounts '' and not under personal loans, which is affecting my credit negatively. As you can see in the attached document, it is clearly stated by the company that I have {$7000.00} in AVAILABLE CREDIT. I believe this is in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I opened a online bank account with capital one 360 and I deposited the my income tax check they placed a hold on my account I've been reaching out to them for about a month now I left a voice mail in this particular department that only do out bound calls no one has called me back I need answers
Product: Debt collection

I previously had been contacted by Reliant Capital solutions, I had never received a bill or notice from them or from a collection agency saying my debt was going to collections, nor have I received and itemized bill from the hospital as I had changed address. The debt is XXXX years old and I am just now hearing about it. They claimed to be with the Attorney generals office, and today they texted my mom. Said I owed a debt, and even sent her a link to pay the debt. Which included the date of my visit, the location, and the amount owed. I have since told them to stop contacting my mom, who also had been receiving phone calls but wasn't answering them due to them being labeled on her phone as spam calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for XXXX and Equifax the loan was opened on XX/XX/2021. 
I immediately contacted XXXX 's customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is 2021 and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

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 XXXXXXXX All these accounts have 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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 states A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

Transunion and XXXX have violated my consumer rights repeatedly and allowed incorrect information to be reported on my consumer report without verification or adherence to the FCRA 1 ) Charge off accounts - Charge off accounts mean a creditor has written the debt off and has been made whole and therefore should issue a 1099cc to the consumer and this becomes income and income IS NOT reported on a consumer report, Transunion and XXXX have failed to adhere to the law and failed to validate the debt multiple times even after being provided the 1099c from the consumer which shows no debt exists, they have caused serious harm to me and my family and i am entitled to damages for false reporting and reporting items that are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to Trans Union, XXXX, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days TRANSUION IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW DREAMSPRING AND FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans
Product: Credit reporting or other personal consumer reports

Account balance was incorrect due to returned cellphone credit not being applied in a timely manner. was reported as late because the minimum balance due was incorrect. received a courtesy late fee back in XX/XX/year> but the incorrect reporting of the late payments were never corrected and the account was forced closed. Now, it is continuously being reported as a charge off each month, destroying my credit score with inaccurate information for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted repeatedly to XXXX and Experian to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report
Product: Debt collection

On XX/XX/2020. I was served a bill that was charge off by XXXX XXXX  and sold to Midland credit management collection XXXX XXXX XXXX XXXX CO XXXX phone # XXXX
Product: Credit card or prepaid card

I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.
Product: Credit card or prepaid card

Since opening the card with synchrony bank in 2021 I have been charged over XXXX XXXX in late fees which I am therefore being charged interest rate fees for the late fees as well as the remaining amount
Product: Vehicle loan or lease

I bought a XXXX XXXX  and payments were OK at first, and then my daughter moved in from college and financial burdens over took us and it became hard to pay my car payments. I keep making payments occasionally when I can but Im really behind I need help. Last payment made was {$100.00} on XX/XX/2022 Remaining balance is {$1600.00} Payments are {$200.00} monthly.
Product: Credit card

On XXXX/XXXX/16 I rented a car from the XXXX Car Rental desk at the XXXX Airport desk with for a vacation ultimately ending in XXXX where I would be dropping the car off at XXXX Airport 's XXXX location. In XXXX, the counter person ran through the rental information with me quickly only explaining the Liability Insurance I could purchase in addition to the rental, which I did. While driving from XXXX to XXXX I was traveling south on XXXX when an XXXX passed me and kicked up a pebble which hit the windshield, causing a small chip. I immediately drove the vehicle to the XXXX XXXX Location asking for assistance where I was rudely turned away. When I finally arrived in XXXX to return the car on XXXX/XXXX/16 I was told that I did not accept the correct insurance ( Loss/Damage ) and that XXXX XXXX ( the privately owned location who owned the car ) would make the determination whether to file a claim or not. The counterperson in XXXX believed that no claim would be filed. 
It was n't until XXXX XXXX was I notified that a claim would be filed. I received a phone call from XXXX XXXX XXXX whom was handling the claim on XXXX behalf. After this call I immediately contacted my US Bank Visa card company to file a claim. During that call, I was informed that you must file the claim within 45 days of the incident, but when I explained to the customer service representative that I was only hearing via phone that a claim would be filed 2 months after the incident, the representative told me to submit any and all claims paperwork I receive. I finally received a letter indicating a claim would be filed ... not an actual claim, with no mention of exact damage/replacements needed on XXXX XXXX ( dated XXXX XXXX ). I forwarded this information to US Bank Visa per my instructions. I received the itemized claim on XXXX XXXX ( dated XXXX XXXX ) totaling {$590.00} and before I could submit this form toward my claim, I was called by US Bank Claim Services that my claim was denied because it is outside the 45 days. That said, I did submit the proper paperwork within 45 days of when i was notified of XXXX 's desire to peruse the claim.
Product: Credit reporting or other personal consumer reports

There are several incorrect items on all 3 credit bureaus. The items, accounts, and collections are fraudulent. They do not belong to me. Some of the items include, names that are not mine, social security numbers, as well as multiple addresses and phone numbers of which have no relation to me. I have contacted experian, XXXX, and XXXX to delete the information to no avail. I have also contacted the reporting companies with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Mortgage

On XX/XX/2018, I sent a set of QWR Demands to Real Time Resolutions ( RTR ). RTR has not responded to my request by sending the documents to my home address. RTR claims they sent the documents to a separate party in Oregon. Since the accounting and ownership rights to the debt are in question, the documents requested within the QWR are relevant.

Once the loan in question was transferred to RTR, I filed written complaints, demanding explanations relevant to the holder of our mortgage note and Deed of Trust. RTR still has pending responses which specifically related to our questioning the affidavit of sale and or assignments of custodial servicing rights to RTR. RTR was also served with a qualified written request ( QWR ) under the RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ).

Since RTR acts as both a loan servicer and debt collector under CA law, I am seeking your  assistance on this matter. You can reach me at XXXX or XXXX.
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 15 USC 1681. 


Account Name 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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy Court in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to XXXX, Equifax, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.
Product: Prepaid card

Have had a TdBank gift card that they have terminated all transactions on. TDBank claims this was a company wide action and all card holders will be forced to " cash out '' remaining funds, whether thats at local branches or through customer service. If at bank they will provide cash, and if through customer service they will mail check. I have been waiting for a refund from XXXX in the amount of {$320.00}. XXXX has tried 2 times to refund the funds but there is a " processing error '' because this card has been terminated. I have contacted TDBank numerous times. I most recently spoke to XXXX XXXX who was VERY UNPROFESSIONAL, and her excuses and lack of resolutions and willingness to resolve the matter are BEYOND UNACCEPTABLE ( Local news station has been contacted as well ) I have asked MANY agents where I can find the writing of this new company action, nobody can provide that. I also went to local branches ( 2 ) and they said they have no information either, only thing they can think of was that it was an " internal message ''. This company has been very UNETHICAL. They gave NO warning about this drastic change. Did NOT give any card holders a warning so they could use the cards. I have been given many excuses but nobody can provide any documents or any resolution. This is a SERIOUS CONSUMER PROTECTION ISSUE. The company keeps telling me to resolve with XXXX. But XXXX has told me they have exceeded the number of attempts for return and it's up to financial institution. THEY SHOULD HAVE NEVER TERMINATED THE CARDS WITHOUT LETTING PEOPLE KNOW!!!!!! YOU SHOULD BE ASHAMED OF YOURSELF ESPECIALLY WITH NO MORALS OR BUSINESS ETHICS!!! 

I have attachments but they are failing to upload.
Product: Credit card

I was enrolled in AMEX 's flexible business credit on my Business Gold card which offers a {$20.00} a month credit for specific stores and I made the appropriate purchases. AMEX had a disconnect with their backend and they showed me as not enrolled are are refusing to honor the benefit. I have a screenshot saying I am enrolled in the benefit but they are refusing to honor the credit. 

You can see my enrollment confirmation screenshot attached is before the time when AMEX enrolled me on their backend and the email showed up in my account confirming the enrollment. This was a IT issue from them so they need to honor it