23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

*Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX well-being, disrupting my sleep and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, XXXX, AND EQUIFAX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.
Product: Mortgage

Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was  notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?
Product: Mortgage

Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

Hello, i desperately need your help. 

In XXXX, a friend of mine, gave an order to Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to send me an amount of XXXXXXXX XXXX to my XXXX. 

A fee of XXXX XXXX was needed, so i payed. 

After that i was told that an international transfer needs a minimum of XXXX XXXX So i payed again. 

Then they told me, i need another fee to pay. So i did that again. I was promised to receive the money but nothing happened. 

In the next months they needed fee after fee, because they always told me there were problems with the servers, etc. Every payment was via XXXX and through vendors. 

At this moment i payed about XXXX $ to this branch and i still don't have my money. I tried to find a agreement, but the employees are not willing to do anything. Instead they want me to pay more money and can not even guarantee the success of the transaction. 

I am missing XXXX $ at this point and nobody is able or willing to help. I wasn't told about all these possible complications in the beginning, it was absolutely intransparent and they promised me to do the transaction several times, but they always had new reasons for new fees. I also tried to cancel the whole transfer, but that also was rejected. 

Because my residence is in XXXX i can not visit the branch personally and Bank of America doesn't answer me because i am no customer. And the only contact-possibilities i have are Gmail-Accounts. 

Please help me!!! You are my last hope. 

You can reach out to them via XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX MO which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX  XXXX, XXXX ) that are not authorized to collect debts in the state of XXXX. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of XXXX.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get FDCPA & FCRA XXXX U.S.C. XXXX documentation along with a request to acquire a Forward Flow Agreement & Chain of Assignment of the alleged deb to no avail. Yet the debt collector ( XXXX ) and reporting agencies continue to allow the improper and inaccurate entries to remain on my credit report. I have provided documentation of police reports and FTC Identity Theft filings. These companies do not listen, or care.
Product: Student loan

I sp ent two d ays preparing documents i faxed and mailed out an agreement form at that time because i needed help. I sent the infirmation again. They claim they couldnt help me. Which was just the opposite of the verbal and written notice. Navient is the name of the company.
Product: Debt collection

XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me
Product: Credit card or prepaid card

We checked our credit scores today XXXX/XXXX/17, and notice that our XXXX XXXX XXXX XXXX card had lowered our credit balance from XXXX XXXX down to XXXX dollars with out notifying us of these changes. 
When I called the customer service line on XXXX/XXXX/17 at XXXX I spoke with customer representative, XXXX # XXXX. I asked her when and why our limit was changes without any notification to us. 
She replied, the change happen on XXXX XXXX and apologize that no letter was ever sent before the credit limit was set to change.Also id we, wanted a letter we were suppose to ask for one. 
I asked her to give me to the department that could correct our credit limit. 
She told me we would have to go back through the credit review and wait for approval. 
This is not okay for them to have to check our credit again. When we were never notified our limit would be changing due to inactivity on the account.
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was not sent by mistake. It appears that incorrect information has been included in my report ; I am seeing accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me considerable stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.
Product: Credit card or prepaid card

I applied for a credit card for discover, I received the card but the account has been frozen for nearly 2months yet I submitted every document they requested and there is no feedback at all. I feel discriminated yet even my referrals have access to the service. 
Am wondering what is not happening so requesting for your intervention
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

XXXXXXXXXXXX  I wanted my rate to be lowered so I can pay my balance in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Equifax credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have called and called so many times and have asked Synchrony Bank to please provide me with evidence that the disputes, which I have raised with them since my first dispute, have been credited back to me. Synchrony Bank has made it very difficult for me to verify that my disputes have been credited back to me, and they expect me to just take their word for it. In a recent call that I made, the representative told me that she would email me a letter for each of my disputes, totaling 11 emailed letters. I received these emails, but each and every single letter that I opened up was identical. I wanted evidence that all of my disputes were credited back to me. They gave me evidence that one dispute was credited back, and they gave me this evidence 11 times. I called them today, and the representative told me that on her end she could see all the different letters that were emailed to me and that they all mentioned a different dispute. This isn't true. They emailed me the same letter 11 times. If I didn't know any better, I would say they were trolling me. I want evidence that the disputes which I have raised with them have been credited back to me. These letters were all duplicates. She told me she would send me physical copies of each letter. That's fine, so long as they don't send me the same onXXXX 11 times again ; but even then, these letters are themselves not very convenient for me. Why do they need to send 11 different letters? Why can't they just send 1 letter that details all of my disputes since the first one that I opened with them, and the results of each? Why are they making it so difficult for me to verify that my account has been credited for these amounts? If they would send me one piece of evidence verifying that my account has been credited for all of the disputes that I have raised with them, it would make things so much easier for me. Apart from that, I'm pretty sure that I've raised more than 11 disputes with them. Why can't they send me information about the other disputes as well? Why are they limiting it to just XXXX and XXXX? I want to see evidence that every dispute I have raised since my first dispute has been credited back to me, not just the past year. I can't be expected to just take their word for it anymore. In the past when I would call Synchrony Bank and ask about my disputes, they would tell me there weren't any on file, or that this particular dispute that I was asking about was never made. In other words, they only pretended to file disputes for me, and I had to redo the disputes with them and waste hours of my time discussing the same things that I spoke about with a previous representative who only pretended to file them for me.
Product: Credit card or prepaid card

I opened a new XXXX XXXX XXXX American Express credit card on XX/XX/XXXX. The credit card Account is ending in XXXX. XXXX offered a 0 % introductory APR on my initial purchase of a XXXX XXXX XXXX package that was made on XX/XX/XXXX. The 0 % APR offer expires in XXXX, XXXX. On XX/XX/XXXX, I was billed the annual fee for the new card of {$250.00}. I was fully aware of this fee. This was not a purchase, but a fee for using the card. 

Since the fee was billed after the promotional purchase, I am being billed a monthly interest charge on the {$250.00} annual fee. This interest charge was not disclosed by XXXX or by American Express at the time the application was submitted. The only way to avoid paying interest on the annual fee is to pay off the initial purchase of the vacation package. In essence, this completely nullifies the 0 % interest offer. This is misleading by American Express and XXXX. 

I feel that this monthly interest charge is fraudulent and that American Express should credit my account for all interest charges related to the annual fee. 

On my billing statement, American Express is calling the charge " XXXX XXXX on XXXX ''. My complaint is that the fee is NOT a purchase, but a fee that they impose on card users. Therefore, I should not be charged interest every month, until the initial purchase is paid off. My initial payment was for {$260.00} on XX/XX/XXXX which does cover the annual fee. 

I have been charged {$12.00} in interest since XXXX, XXXX. 

I have contacted American Express ( XXXX ) on XX/XX/XXXX and spoke with XXXX. He opened a case # XXXX. I did not hear back from them. I called them again on XX/XX/XXXX and spoke with XXXX. She told me that the case is closed and we have to pay the interest. Those are the rules. I asked to speak to a supervisor, but the supervisor was " busy ''. XXXX finally issued me credit for 1 month ( {$3.00} ), but was not clear on whether all interest charges would be waived. 

My issue is that I should not be charged interest on the annual fee, since it is not a purchase. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

I C SYSTEM XX/XX/year> : {$670.00} Open balance/ {$670.00} I C SYSTEM Original creditor / never Produce the original Promissory Note ( Noted- all copies of the Promissory void this agreement. 

15 U.S. Code : 1637a- Disclosure requirement for open end consumer credit plans secured by consumer 's principal dwelling. ( A ) application disclosure in the case of any open end consumer credit plans which.

15 U.S. Code 1692
Product: Mortgage

a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints
Product: Credit reporting or other personal consumer reports

Earlier this year I noticed an error reporting on my Nordstrom account, and Nordstrom reported later, incorrectly, to the CRAs that I paid my account late. I contacted Nordstrom to correct this because I have been a customer of theirs for 16 years, and have always had great payment history. Nordstrom was so rude and did not help me. Then, I contacted the CRAs also to fix this error, but they did not either. The problem is that the status shows " paid as agreed '' but it is XXXX  not XXXX, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my XXXX XXXX