23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. This is in reference of account number XXXX for XXXX XXXX XXXX, XXXX, Virginia XXXX in my father 's name, XXXX XXXX XXXX. I am authorized to discuss this account. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
The attached document is a prime example of how they treated us during our request for a simple loan modification. They claim that they did not have the information regarding the account which first of all was in the report and I also sent it twice, I sent it to the addresses that they provided me to send it to. Coincidence that they have not received any of the pertinent documents that they need from me when all I wanted to was for them help me save my home? Why would I have not sent any of this in? 
How ridiculous that they can continue to treat customers like this and remain in business.
Product: Debt collection

This letter is being sent to you in response to a telephone call made to me on XXXX XX/XX/2021 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. 
This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

This company failed to provide accuracy and ownership of this account. 
XX/XX/year> - {$3700.00}
Product: Checking or savings account

Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have XXXX days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account Capital one 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditor was XXXX. 
Account # : XXXX XXXX XXXX XXXX Account # : - XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 other than personal XX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

A week after this company contacted my mother in law, they called my mother on Saturday, XX/XX/XXXX, and left a voicemail message with details about my debt to their company. I do not know how they obtained my mother 's personal and private information such as her phone number and do not appreciate it. The rep XXXX, stated that she had no way of getting in touch with me, but that is not true. The company has my phone number and mailing address and has been in contact with me in the past. After my previous complaints, the company stated they would leave my family members alone, but again it seems that they either lied or are just being vindictive.
Product: Debt collection

This company is calling me, my family members, and in-laws in regards to a debt that I dont believe I have. They only use my maiden name, and Ive been married almost 20 years and have used my married name since. Ive recently had my identity stolen by ppl who opened checking accounts in my maiden name. I do not know if this group is even a legitimate company, because it sounds very much like a scam. I do not know how they have family members names and numbers, but I know I was a part of a data breach for XXXX. They may have gotten these records from my emergency contacts. My social security number was compromised in at least one data breach, because one of the banks stated that it was used when opening an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX Loan care tarnished my credit score my sending an inaccurate account to XXXX stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of Loancare, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.
Product: Debt collection

The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my TransUnion credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. Below are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a flight using chase ultimate reward through chase travel agency at XX/XX/XXXX and canceled it one day later. The flight ticket transferred to XXXX XXXX XXXX under my account which is good for use within one year. At XX/XX/XXXX, I was trying to book a new reservation through chase reward travel agency again. After a long negotiation and waiting time ( around one hour ), they told me I have to complete the trip not book the trip by XX/XX/XXXX, which is totally different from what they told me before. Then I was transferred to XXXX XXXX, they helped me book the new travel, however, cost me XXXX bucks more because original travel was booked through chase and new one need to go through chase as well or I need to pay {$50.00} more. 
The professionalism of chase reward is poor, they told me different things at different time. And the response time of them is very long, the phone call I made to them yesterday took around 2 hours in total which is insane. The overall experience of using chase reward is too frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have previously contacted Equifax, XXXX, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.
Product: Payday loan, title loan, or personal loan

-In XXXX, I called lending club to request a payout for XXXX to pay the balance under a new loan -Payout was sent out to Lending Club and received and processed the following day -I have had 1 other loan with lending club and paid the loan out the exact same way, I was curious as to why the loan had not reported as closed and called. 
XXXX XXXX, I called Lending Club to find out why the account was not closed. 
XXXX could not tell me how I still had a balance and I requested a detailed invoice showing how I owed the money- Stated he would email me an invoice- Never arrived XXXXAgent stated that he wasnt sure how or if I owed the payment XXXXAttempted to make payment that day but received an error message- confirmed through their action tracking XXXXNo invoice ever came and I called back and the agent explained why I still owed the 180.00 XXXXAttempted to make payment while agent was on the phone- still got error message. 
XXXXAgent put in a work order to clear the error and I made payment that day- COnfirmed by supervisor during follow up call that work order cleared error in amount owed and ability to pay XXXXAgent stated that this has not been reported to the credit bureau- Recorded line Late XXXX XXXXGot a notice from my credit watch service of derogatory information. 
LATE XXXX XXXXContacted Lending club on XXXX different occasions having them look at it. Lending club sent a retaliatory update to credit reporting agencies changing 30 days late to 60 days late -Though there were computer errors, agent errors, no contact from Lending Club stating I had a balance... I was informed that since they provided the correct payoff amount that any other errors by them would not have occurred making me solely responsible for the late payment. 
- I am a XXXX XXXX XXXXXXXX XXXX in the XXXX. I have not made a late payment to anyone in over 20 years. Credit and non payment has ramifications to my security clearance and I take my credit seriously. I am within 3 months of retirement and this has put a hold on purchasing a home, purchasing land for non profit use to intriduce underpriveleged and inner city youth to the outdoors. I contacted an attorney and the best that they could come up with is the hard line and follow up retalitory update must have had some bias or prejudice of some form or another from a supervisor/ supervisors and could not understand why Lendingclub took this approach with me after acknowledgeing agent error, system error in not contacting me, system error in my not being able to pay over the phone or via the web and the only action that they maintain that they did properly was to give the proper payout. In my last call to them, the payout was 18 dollars in my favor due to the payment being transferred to them the day after the payout quote was made. No attempt was made to provide the 18 dollars back to me and the last supervisor that I spoke with stated that they would not forward it to their consumer finance division as they had already sent it twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters to all 3 credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. 3 weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.
Product: Credit reporting or other personal consumer reports

My XXXX student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting XXXX In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted XXXX I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?
Product: Mortgage

A third party ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ) fraudulently purchased my property with assistance from our Home Owners Association ( XXXX, XXXX, XXXX, XXXX XXXX  XXXX HOA ). I contacted my mortgage service company ( Rushmore Loan Management Services ) after I noticed the third party making unauthorized payments on my mortgage. I instructed Rushmore Loan Management Company to desist from accepting payments from third party purchaser pending litigation. 

Further, my loan was recently sold on XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX DE XXXX ) After the recent sale, I requested from Rushmore Loan Management Company to change my loan account number, tied to the fraud. Changing the loan account will allow me to make payments to the XXXX XXXX XXXX XXXX. Rushmore has ignored my request to change account numbers and continue to  accept payments from third party purchaser.
Product: Credit reporting or other personal consumer reports

I want to report an Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my XXXX credit report.