23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Me and my husband opened in XXXX a checking and savings account in JP Morgan Chase. I'm a U.S. Citizen and my husband a XXXX XXXX. On XX/XX/XXXX, we were informed by Chase that they were closing our joint account because " we are no longer offer personal and business banking accounts to current or former non US officials, their immediate families or close associates ''. Same thing with our credit cards. Chase gave us a 10 days notice. 

It's my belief that as a result of Chase 's new policy there is an evident discriminatory action against myself solely because I'm married to a " non - U.S. official ''. It's also evident that is my marital status the alleged cause to terminate with very short notice the banking and credit card services in the middle of the COVID-19 emergency. When establishing this policy, Chase is refusing beforehand to provide me with banking services not only in the present but in the future, when my husband retires from the Foreign Service and becomes a " former non -U.S. officials ''. 

By the way, I was a client in good standing and my two personal credit card accounts have been always properly managed. So please, take action and make Chase stop this discriminatory practice against US married to foreign diplomats.
Product: Credit reporting

Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan on my car and defaulted. I sent them a cease and decisit letter and they stopped contacting me and my references. The car was assigned for repossession and the man that was assigned called my father in law on his personal cell phone disclosing information that is protected under the fair debt collection practices act he asked if I was hiding the vehicle and where I kept it and what my schedule was and that he was hires to pick it uo
Product: Credit card

On our about XX/XX/XXXX I noticed my Best Buy credit card was being used by someone in XXXX. While paying my bill I noticed a large online purchase that I was not aware of for {$3000.00}. I contacted Best Buy directly on or about XXXX of XXXX. During that time several more purchases were made online not by me and returned in XXXX XXXX Best Buy opened a fraud case and issued a new card. The day after I received the new card I again noticed several online purchases made by someone other than me. Best Buy again issued a new card and credited my account. 

The following is a summary of fraudulent purchases made : XX/XX/XXXX - Online purchase of XXXX -Returned item in XXXX XXXX on XX/XX/XXXX for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - A return in XXXX XXXX for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX After filing a dispute I was credited back {$130.00}. The letter stated I did not have sufficient evidence. I have not made a purchase from Best Buy since XX/XX/XXXX. I have received no items from online purchases, and I know no one in XXXXXXXX XXXX 


On Wednesday I received a fraud alert from Best Buy asking if I was aware of a {$2100.00} purchase in XXXX I told them no and they again issued a new card. They were able to stop the transaction from going through. My goal is to clear the fraudulent debt, pay off the amount I owe and then cancel the card since I've had so many issues in the past few months with little help. I have file a police report with my local police department.
Product: Vehicle loan or lease

I financed a used car with Capital One Auto Finance. I recently paid the vehicle off. After receiving a 10 day payoff amount I submitted a checked dated on XX/XX/2021. I over night the check with Capital One receiving the check on XX/XX/2021. Capital did not process the check until XX/XX/2021 and using the XX/XX/2021 as the pay off date after acknowledging having received the check on XX/XX/2021.
Product: Debt collection

XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.
Product: Credit card or prepaid card

XX/XX/2019. Well Fargo agent contact me about my account being late. They offered to settled the debt and they offered to allow it to be 3 equal payments and would close the account. They account is being misrepresented on my credit report across all three credit bureaus. I have contacted them and they keep transferring me different departments with no resolve to the matter. This is preventing my credit score to improve to get a VA Loan.
Product: Mortgage

I contacted Specialized Loan Servicing on XX/XX/2024 at XXXX XXXX Eastern Time and asked to have my same exact autopay updated to a new account number ending in XXXX with no other changes. The agent repeatedly confirmed that my amounts would draw exactly as they had done so, whereby my payments had been pulling a month early. For example, on XX/XX/XXXX, my autopay pulled for my XXXX payment. However, Specialized Loan Servicing did not process this correctly. It is XX/XX/2024 and they never pulled my XXXX autopay for XXXX. Specialized Loan Servicing has done this every single time I have made even the slightest changes to my autopay as chronicled in multiple other CFPB complaints. Specialized Loan Servicing services XXXX of my mortgages and has done the same thing for both of them.
Product: Payday loan, title loan, or personal loan

Ace cash has use lawyers to contact me and family members i put on my app about this payday that I was not able to repay and have spoke me on the phone about being taking to court and just today XX/XX/21 they use a law firm and others to contact me and a film to call my family so my question, if I can't pay this can they keep calling and calling family members on a payday loan, that not even banks does that to people so why are they allow to do this please let me know what my best way to handle this since im not able to pay ... and if I feel threaten by this what should I do and who do you contact to really make a difference with what is being done ...
Product: Mortgage

I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Product: Student loan

I sat on hold for Nelnet for almost XXXX hours and was unable to get in contact with anyone. I tried their chat, website, and phone was the last option. It should not be that hard to talk to someone about my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was contacted by collection company and settled a very old debt to help my credit score. Was told paying them off would remove it from my credit report. Just the opposite. Was added to an additional bureau. Lowered my credit score.
Product: Mortgage

In 2010, the value on my property had dropped significantly due to the mortgage meltdown, so my wife and I became behind on payments on our first and second mortgage. We were advised by an attorney to file bankruptcy. We had to file Chapter XXXX, because of our combined income, and later converted the case to Chapter XXXX when my wife lost her job. The Chapter XXXX bankruptcy was discharged in 2010, eliminating my 2nd mortgage and allowing me to keep the 1st mortgage and my home.
Product: Mortgage

My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Per the Qualified Written Request submitted XX/XX/XXXX, I am seeking total accounting records. I filed Chapter XXXX bankruptcy cases on XX/XX/XXXX and XX/XX/XXXX. In both cases many payments were sent from the bankruptcy trustee to Wells Fargo.the total estimate is 24 payments. Wells Fargo does not show that one payment was applied during the bankruptcy process. Wells Fargo has initially misapplied payments to force me back into foreclosure. Wells Fargo has violated the Federal Bankruptcy Code.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Wells Fargo has also refused to offer formal mediation options per IN 32-30-10.5. They never served proper documentation via certified mail or process server. Wells Fargo is attempting to bypass IN 32-30-10.5 to speed up the foreclosure process. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX. You can reach me at XXXX or XXXX.
Product: Checking or savings account

I noticed about four months ago that there were unauthorized charges on my checking account. When I contacted BOA I was told that these charges has been coming out of my account for almost two years to the tune of {$4500.00}. I told bank of America that I have never have an account with uber eats and have never had food delivered to me from them. I did not notice these charges because I was not receiving my statements and I did complain to the bank several times about it. I dont do online banking because of personal reason and that is why it was so important to receive my monthly statements. Foe the bank to tell me that it was my problem and not only are they not returning my money to, but blame me for not noticing the fraud earlier. Yes my only crime is that I did not discover the bank incompetence early and I do take responsibility for that. XXXX   have asked several times for them to show me the proof how they come to the decision that the charges were authorized and they have not been able to do so. Those charges were directed to my checking account but they were not directed to my gmail account, my XXXX account or my phone number and I would at least like to know at least on e of the businesses or individuals, or restaurants who benefits from my loss so that I can at least be compensated in some way.
Product: Mortgage

I am needing a lien release of a loan we had with GMAC from XX/XX/XXXX-XX/XX/XXXX. We originally got the loan through XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$130000.00}. The loan was service released within days to GMAC taking full ownership of the loan, while being serviced by HomeComings Financial LLC. While we were with GMAC/HomeComings, we got a modification with a principal reduction of {$48000.00}, giving us a new principal balance of {$87000.00} which GMAC processed the principal reduction internally then did a FHA refinance in the new amount of {$94000.00} ( included closing costs ) on XX/XX/XXXX. During this time GMAC did not process the lien release for the {$130000.00}, Deed of Trust recorded at XXXX County Recording No : Docket XXXX, Page XXXX. However, they did record a new Deed of Trust on XX/XX/XXXX at XXXX County Recording No : Docket XXXX page 2114. Once we refinanced again in XXXX, GMAC processed a lien release for the new modified loan in the amount of {$94000.00}. Since GMAC is out of business as of XXXX, I reached out to PHH Mortgage requesting a lien release, as Ocwen Loan Servicing, LLC parent company of PHH Mortgage took over/acquired GMAC. The response I received was that they have no records or did not acquire servicing rights for the subject loan as part of the aforementioned sale. Therefore, they are unable to assist. Which is why I am now filing a complaint and a request for a lien release from PHH Mortgage/Ocwen Loan Servicing, LLC. Due to the lien release not being recorded, I am unable to close on the sale of my property.
Product: Checking or savings account

XX/XX/XXXX Tried to use my ATM card at an ATM overseas in XXXX, was only able to withdraw an equivalent of XXXX USD. Any further attempts to withdraw funds would fail. I also received a fraud alert on my e-mail to which I responded that this transaction was legitimate, I received a message saying the card is now ready to use and to re-attempt the transaction. This did not help. I went back home and called the number on the back of my card and after talking to a rep and a supervisor, I was told they needed to verify my account and that they would call me back once it was done. This never happened. 
XX/XX/XXXX I called again this morning to check on the status of the verification and was told by the supervisor that I need to call them from a " verified phone number '' to resolve this and was promptly hung up. I called for the third time and explained the broken process, since there is no way I can use a so called " verified phone number '' while overseas and the first line agent seemed to be able to resolve my problem partially, she said there were two fraud alerts on my account and according to her, she helped me clear the second one, but the first one still needed to be cleared. So she transferred me over to the " account takeover '' team and then I was told again I need to call back using a " verified phone number '' and I was promptly hung up on. 

At this point I have no access to my funds from the overseas with supervisors hanging up on me. It's difficult for me to speak with someone from the branch where the account was originally open, because of the time difference. This is absolutely unacceptable to be repeatedly hung up on by employees of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on Equifax, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting and this alleged collection account statues states its open. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations.
Product: Credit reporting or other personal consumer reports

First of all, I tried to add this to the most previous complaint but there is no way to add anything even though it says that it is open. Why is this? This is an ongoing issue and I would really like XXXX to correct what is incorrect. 

I did EXACTLY what it says on the XXXX website of what to do if you want to report inaccurate PERSONAL INFORMATION. 

I think the arrogant, antagonizing response I got from " XXXX '' in the " fraud '' department should be posted for everyone to see. These people need to close down. 

It says on the XXXX website that one can not dispute personal info online but only by phone, or mail. I called the NUMBER THEY LISTED. I WAITED ON HOLD FOR TEN MINUTES AND I GET THIS MAN NAMED XXXX WHO OF COURSE, SPEAKS WITH AN ACCENT THUS, THIS IS A CALL OUTSOURCED NOT IN THE US. 

If that didn't feel uncomfortable enough, I want to say that having to give my SS number THREE TIMES is enough to make anyone scream. 

I told XXXX the XXXX XXXX XXXX list XXXX is NO LONGER VALID IT HASN'T BEEN VALID FOR ABOUT FIVE YEARS AND IT BELONGS TO SOMEONE ELSE. 

I GAVE HIM MY VALID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I TOLD HIM THEY HAVE AN APARTMENT ADDRESS THAT HAS NOT BEEN VALID FOR MORE THAN 20 YEARS. ABOUT 25 YEARS TO BE PRECISE. 

THIS ANNOYING MAN STARTS BABBLING ABOUT THE FAIR CREDIT REPORTING ACT AND I COULD RIP HIS HEAD OFF. I SAID I AM THE ONE WHO OWNS THIS CREDIT REPORT, I AM THE ONE THIS INFO IS ABOUT AND I AM INFORMING YOU PER YOUR OWN XXXX CREDIT AGENCY AND YOU ARE TOO XXXX LAZY YOU ARE JUST RECITING THIS FAIR CREDIT ACT AND THEN I ASKED FOR THE NUMBER OF THE FEDERAL STATUTE OR ACT OF THE FAIR CRDIT BLAH BLAH BLAH AND HE COULD NOT PROVIDE IT.
Product: Debt collection

In the last 90 days, Ive file 3 complaints against NCA. Each time theyve responded saying they would take specific actions to correct their mistakes but never did. An account ( XXXX ), which per MCAs admission, that has been paid in full since XX/XX/XXXX has repeatedly submitted to credit reporting agencies as being severely past due. Another account ( XXXX ), which per NCAa letter dated XX/XX/XXXX, should have been placed in a fraudulent status, never was. Both accounts ( XXXX and XXXX ), per NCAs letter dated XX/XX/XXXX, were to be placed in a cease and desist status never were and have repeatedly been reported to the credit bureaus. I checked my credit on XX/XX/XXXX and both accounts are still being reported to the bureaus. Ive contacted an attorney and, before taking legal action, wanted to reach out to NCA, one last time, to get this fixed.