23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.
Product: Mortgage

I contacted Newrez/Shellpoint mortgage on XX/XX/, 2021, to let them know my uncle passed away and sent them my uncle 's death certificate and our deed. I gave them my contact information and home address.. I requested a forbearance and they never replied to me. I called XXXX and asked to get information on the loan, they refused to give me any information on the loan because it was only under my uncle 's name, even though I was an owner on the deed. In XX/XX/ 2021, the payments stop because the Administrator of my uncle 's estate stop making payments and canceled the Homeowner 's insurance policy. Newrez/ Shellpoint Mortgage kept sending mail and notices to my uncle and his address even though they have known since XX/XX/2021, that he was deceased. They have now started the foreclosure process on my property and refused to give me any information I have requested and information regarding the status of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report.

I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction.

Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you EXPERIAN any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives.

You, EXPERIAN should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers.

Since you Experian and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Product: Mortgage

Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!
Product: Checking or savings account

On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX  dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers
Product: Debt collection

Hi Sir/ Madam, This is to inform you that my Debt collector - " myloancare.com '' incorrectly reported delinquency on my account XXXX. The entire debt was paid in full on XX/XX/2023 with the remaining payment of {$47000.00} and calls were made to ensure that the payments were received by the debt servicer. The customer care XXXX confirmed over the phone call that they have received the payment and the lien release letters would be issued soon. I followed with another call after a month and I was advised that I would be given the letters soon however my account was report delinquent on XXXX and my credit score was impacted hugely because of that. I am in the middle putting an offer on a new home and I might be losing the house because of this issue. I tried calling the loan servicer and was assured to get this sorted and I would get a call back. I've called them multiple times now and there is no response from them. Could you please help me out in the situation. This is affecting my credit score, affecting me getting a new loan and needs to be rectified asap.
Product: Mortgage

My primary residence mortgage account was transferred from XXXX to Freedom Mortgage in XXXX of 2022. Based on my previous experience with Amerihome and statements received from both XXXX and Freedom Mortgage, I believe I am overpaying for escrow. Despite multiple requests over the past several months, Freedom Mortgage has refused to complete an analysis of my escrow account and continues to send me outdated/old analysis from XXXX. I know my insurance rate is different from what it was a year ago. They told me they would have a new escrow analysis for me within 60 days of the transfer but that has not happened and it's now late XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according tXXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXX  Account number : XXXX Balance : {$170.00} XXXX Account number : XXXX XXXX : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, Experian, & XXXX have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Product: Mortgage

In my state, property taxes can be paid semi-annually or annually. If paid annually, an early payment discount is applied. If paid semi-annually, a penalty is applied and there is no discount. My mortgage was originally set up on a semi-annual payment method, but in XXXX XXXX XXXX, via chat with a Mr. Cooper agent before the property tax deadline in Maryland, I requested that my property tax be paid annually instead of semi-annually per language in my mortgage contract. At this time I was told Mr. Cooper is not able to pay Maryland property taxes annually, but that any difference in the total amount charged between annual and semi-annual would be refunded to my account. Indeed, their website says " Some tax authorities even offer 'early payment discounts. ' If youre eligible for these, well always try make your payments in time to get them. If, on the off chance, we miss the discount deadline, well cover the difference and reimburse the missed discount amount into your escrow account. '' So, I took Mr. Cooper on their word and did not insist that my taxes be paid annually as a legal option of my mortgage.

Mr. Cooper proceeded to pay my property taxes semi-annually ( in XXXX and XXXX ), but did not proceed to refund my escrow account for the early payment discount. Instead, the entire semi-annual amount was debited which includes the semi-annual payment service fee. I brought this issue up on XX/XX/XXXX via online Chat with a Mr. Cooper agent, and was directed to email XXXX to resolve the issue. I did ( see attached email ), and attached a copy of my property tax bill showing the service fee ( also attached below ). I was told that this issue would be resolved in XXXX business days. On XX/XX/XXXX ( XXXX business days later ), I called to follow up and was told my request was denied because the chat agent entered a " vague '' ticket. Therefore, due to an internal mistake by a Mr. Cooper agent, I was told to wait until XX/XX/XXXX. On XX/XX/XXXX, a Mr. Cooper agent did call me, and informed me that the new request was denied without reason. The agent did say a new ticket would be filed, and I would be updated in XXXX business days. This is when I decided to file a complaint as this whole process is taking an extraordinary amount of time and effort on my part to enforce a basic clause of my mortgage agreement.
Product: Credit reporting or other personal consumer reports

the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what Credit Collection Service is reporting {$800.00} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Credit Collection Service, in direct violation of the FCRA. Last month, I have discovered that the Credit Collection Service fraudulent account. I need proof of a wet signature of an application w/ Credit Collection Service and proof this is a credit transaction w/ Credit Collection Service ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. Credit Collection Service accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert email from XXXX  XXXX advising me that there was a change to my XXXX credit report and a credit inquiry was sent by XXXX XXXX XXXX XXXX XXXX done on XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX XXXX  and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call XXXX. I called XXXX and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still got no response. I was told that FCRA requires you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. this is means you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for a legal complaint. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with Midland Mortgage. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and Transunion doesn't even show anything but 2 mos of XXXX, Experian shows many late payments past 30 days, XXXX has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..
Product: Checking or savings account

I had fraud on my acct. they credited because I never sent money to a cash app! Then they reversed, took back money, restricted and closed our accounts and are still holding our over {$4500.00} of mine and my daughters direct deposited money! 
XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the ( CFPA ). Specifically, Cash App failed to take timely & effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and emotional & financial loss, and I appropriate redress for these violations.
Product: Credit card or prepaid card

Wells Fargo Visa cut my credit line from XXXX to XXXX Only for the reason I used it more then I had in the Passed only to do work on my new condo.. I allways though is ok to use your card with out any Discrimination it seems in my case thats not true .. 
I am and will stay a loyal card holder and pay my monthly payment on time all the time and for that Im Penalized for being a good customer since I opened my account .in fact there times I have doubled and tripped my monthly required payment ... 
This action by Wells Fargo Visa caused my credit score to drop 54 points on XXXX XXXX, XXXX and XXXX  I asked. if you do this to a loyal card holder what do you do to one who dont pay on time. XXXX  Them?

Not Fair!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

There are accounts and inquiries that do not belong to me. Please remove them as they are hindering me from obtaining a mortgage. Additionally, I may have been a victim of identity theft by the way that inquiries were pulled on my reports. Thank you.
Product: Vehicle loan or lease

This is pretty straight forward, I had scheduled my payments through their website. Directly paying through my checking account to them, and setup properly. Scheduled two separate payments only to have them both be declined and made late with associated {$15.00} charges, and then an additional {$5.00} charge on top of this to speak to a human. This is fraud and theft I have emails from them that these payments were setup, only to have them say I didn't have the funds when there was plenty of money to cover the payment. This is infuriating in how they do this and they need to be held accountable, like we would be. Others on reviews said the did the same thing to them, and this stealing has to end.