23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB REpresentative, Thank you for your advocacy work! Really appreciate it! 

I have four concerns about my lender/chase who has been acting in ways that lack integrity and has illegitimately taken advantage of my situation. 

I am on the forbearance program since XX/XX/XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX and XXXX XXXX from Chase contacted me to discuss about the upcoming payment in XXXX, as the forbearance program would be ending. 
They told me it would be {$1100.00} per month at 2.75 % ; they called this program " deferred '' program. I asked them for paperwork to which they replied, they will " mail it soon '' and that " this conversation is recorded. '' To date, I have not received any paperwork concerning the discussion, Last week, XX/XX/XXXX, I called Chase to follow up, I spoke with XXXX, and XXXX or XXXX. 
I was informed the payment amount would be " the same as before '' at {$1300.00} per month, 4.5 %, and not {$1100.00} as discussed. 
XXXX added she saw " in XX/XX/XXXX it was {$1100.00} '' ; she was not able to give details as to why there is a higher amount. she also stated " denied the modification program ''. that was not discussed. 

On XX/XX/XXXX I called and spoke with XXXX to ask for transcripts from the conversations in XX/XX/XXXX. He told me he has no access to. 

1 ) they refused to product paperwork before and after the discussion which took place in XXXX XXXX misled me into thinking they would do so. 

2 ) they did not honor our agreement during that conversation but to increase the rate form 2.75 % to 4.5 %. 

3 ) they manipulated my trust as a consumer, such that they discussed loan terms with me without paperwork while assuring me they would mail paperwork.and that it was " recorded ''. Now they claimed they have " no access '' to the recorded conversations. 

For your information, My monthly payment was {$1300.00} at 4.5 % starting XX/XX/XXXX. 
This is an ARM so each XXXX, I automatically get a new ( lower ) payment starting XX/XX/XXXX. See images attached. 
XXXX XXXX XXXX In XX/XX/XXXX, My payment was determined to be {$1100.00} at 2.75 %. 

In XX/XX/XXXX, I wanted to voluntarily make two payments to my mortgage. 
I consulted more than one occasion with Chase but they did not inform me, through email or verbal instruction, that my payment now is lower, at {$1100.00}.

So I made two payments at at {$1300.00} each. 

4 ) Chase has not informed me I overpaid and has not disclosed how they used the extra {$200.00}. 

On XX/XX/XXXX I was advised to apply for " Modification ''. I agreed to but now I learned it requires one to have a job. I am not currently employed. I can not apply for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX ( didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
XXXX updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

XXXX ) Account name : XXXX XXXXXXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : $ 0 Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : $ 374 Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

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
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to zero per their service agreement. The same information ( XXXX, XXXX, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as zero as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Experian, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND ZERO BALANCE
Product: Mortgage

Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting inaccurate information on my credit report. Trans Union is reporting the wrong removal date, reporting XXXX for XXXX XXXX XXXX XXXX XXXX XXXX has it reported removal date XX/XX/ That is a huge difference. Furthermore, XXXX XXXX XXXX have already removed it early. I have proof, I'm just waiting for them both, to send me a letter of removal. Trans Union is violating FCRA by reporting inaccurate information on my credit report & the creditor is providing the same information to all Bureaus. I shouldn't have to wait 5 months for this account to be removed, when the wrong removal date is past the statute of limitations. This inconvenience & violation will cause me negative issues when obtaining future credit. I'm requesting Trans Union remove it by XX/XX/ or before. Thank you.
Product: Debt collection

first investor servicing ( not the originating company ) with my signature guaranteeing payment, proof of chain of title to collect debt, the insurance claim filed on this debt, contract identity theft, improper use of reporting 15 USC Code 1681b, inaccurate information reported and amount due Mailed request to company to get this information. No reply Representative said per breakdown loan is {$900.00} that is incorrect information. If you look at the dates and the law. Need verification and the break down.
Product: Debt collection

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, credit report, etc. The accounts are attached ( State Farm ), ( XXXX ), and ( Fair Collections original creditor is XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent. I just got out of XXXX  and these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. Agape Advocating Consulting is an accredited NGO authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA XXXX by delaying the process of blocking information within 4 business days.
Product: Student loan

I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.
Product: Checking or savings account

I am the owner of XXXX XXXX XXXX, and I am writing to report the sudden closure of my companys account with Mercury, which held a balance of approximately {$140000.00}. On XX/XX/year>, the account was closed without prior notice or explanation. Despite multiple attempts to contact their support team for clarification, I have not received any response. 
The last communication I received from Mercury stated : " As mentioned in our previous email, your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds associated with your account are being retained by Mercury. This will be our final communication to you regarding this matter. '' I have repeatedly asked for a detailed explanation of the alleged breach and, most importantly, guidance on how I can recover the funds from my closed account. However, Mercury has not responded to any of my inquiries. This lack of communication has put significant strain on my business, and I am seeking your assistance in resolving this matter.
Product: Mortgage

Due to a loss of income from Covid-19, I applied for forbearance with my mortgage company, XXXX. I applied on their website on XX/XX/XXXX and received no response. I followed up with a query to the company 's website on XX/XX/XXXX and received no response.
Product: Student loan

I am a XXXX XXXX XXXX full class member and navient is offering forgiveness for loans that went towards for profit, or schools who closed. Mine haven't been forgiven or refunded
Product: Checking or savings account

I lost my ATM card around XX/XX/XXXX and requested a new card at my local Citibank branch. Citibank issued me a temporary card that can only be used by swiping for purchases and can't be used to get cash back. The temporary card was only good for XXXX days, XX/XX/XXXX to XX/XX/XXXX, allowing time for me to receive the new ATM card. Unfortunately, I never received the new permanent ATM card in the mail. I received a paycheck via direct deposit to my acct on XX/XX/XXXX. The next day I made a purchase at XXXX with my temporary card in the amount of {$54.00}. I used the ATM at a local XX/XX/XXXX store to check my balance and discovered all of my money gone from my acct. I immediately called my bank to make an inquiry about the missing funds in my acct. The bank informed me that several large purchases were made at XXXX XXXX times in the amount of {$460.00} with {$40.00} cashback in XXXXXXXX XXXX and {$360.00} with {$40.00} cashback in XXXXXXXX XXXX. The bank transferred my call to the Fraud Dept. While I was on the phone with the Fraud Dept, another unauthorized purchase of {$190.00} was being made at XXXX in XXXX XXXXXXXX XXXX. I informed the bank that I only made XXXX purchase at XXXX on XX/XX/XXXX in the amount {$54.00} and that the large purchases were fraudulent due to the fact that I hadn't received my newly requested ATM card. Someone must have received my new card from the mail XXXX XXXX delivered and changed the pin # to make those fraudulent purchases. I am a XXXX XXXX XXXX man and I have been with this bank for over XXXX years and I have never shopped at Target. I only get cash from the ATM. Again, I am stating, I have never been in possession of the card used to make the fraudulent purchases. I have lost a lot of money and now I'm behind and can't pay my bills due to this hardship. I really need my money.
Product: Checking or savings account

Chime bank allowed a fraudulent account to be opened in my name. Chime will not close the account despite many attempts in my part to try. You can only contact by email. They ask for much personal information to close the account. I give it to them and nothing happens. You can not speak to a representative. 
I have my credit froze and yet they allowed this account to be opened and now will not close it There is no one to help in this matter. 
Please advise.
Product: Debt collection

THE COMPANY REPORTED A FRAUDULENT DEBT AT ALL THE CREDIT BUREAUS WHICH IS NOT MINE.THIS COMPANY 'S FRAUDULENT ACTION RESULTED IN MY CREDIT SCORES PLUMMETING 50+ POINTS AND BECAUSE OF THIS ACTION I WAS DENIED A COUPLE OF CREDIT CARDS WHICH I HAD APPLIED FOR. THIS COMPANY 'S FRAUDULENT ACTION OF REPORTING THIS PRESUMPTIVE DEBT HAS DAMAGED ME. THIS COMPANY VIOLATED THE FAIR CREDIT REPORTING ACT BY REPORTING THIS NEGATIVE DAMAGING INFORMATION. THIS COMPANY NEVER CONTACTED ME BY PHONE AND/OR MAIL.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my detailed submissions, Equifax has not conducted a reasonable investigation or provided evidence supporting the accuracy of the disputed information, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of consumer disputes. Additionally, their failure to address these disputes adequately undermines consumer trust and may contribute to broader systemic issues. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law, provides clear proof of a thorough investigation into my disputes, and rectifies any inaccuracies promptly.
Product: Checking or savings account

In the year XXXX until XXXX Wells Fargo charged me numerous amount of banking fees which resulted in the closing of my account. I believe it was unlawful with no fault of my own. I reached out to them numerous times with no results. I am filling this claim to be reimbursed for over XXXX XXXX dollars in fees including fees from other companies that the bank rejecting due to the fees that overdraft my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts
Product: Mortgage

Me and my wife ( XXXX & XXXX XXXX ) Have been working with XXXX for a few years getting corrected to get a loan. XXXX told us to mean times sitting down with XXXX XXXX and XXXX XXXX and XXXX XXXX we can get financing with him and don't go anywhere else. I did everything That he asked me to do. the loan would be under my wife 's name, she had at the time between 690 & 700 then he and the mortgage said her income is good and we qualify on Statement Loan. At closing, we told we qualify at {$840000.00} and we owed on the at the time {$710000.00} and give {$59000.00} and get into and installment agreement on the balance We then got a subordination letter we could cost with that. Weeks go by then I see new disclosures at {$770000.00} and he told me we had to come up with the {$59000.00} ( what the mortgage said ) XXXX help me get a subordination. then XXXX said we have to come up with the XXXX or get them to let you close with zero at closing and we can do the loan. I got XXXX XXXX and he did the subordination letter XXXX at to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the delayed processing of my account opening with Credit Bureaus. Despite my previous communication, I regret to inform you that the issue remains unresolved, and the account opening process has yet to be completed.

As a prospective client, the continued delay in opening my account is not only frustrating but also reflects poorly on the efficiency and professionalism of your organization. I have submitted all required documentation and have complied with all necessary procedures, yet the delay persists without any explanation or indication of progress.

I understand that administrative processes may encounter occasional setbacks ; however, the prolonged delay in this instance is unacceptable. It has not only inconvenienced me but has also hindered my ability to engage in business transactions with your company in a timely manner.

I urge you to prioritize the resolution of this matter and expedite the processing of my account opening without any further delay. Timely action is crucial to restoring my confidence in your company and facilitating the commencement of our business relationship.

Furthermore, I request that you provide me with regular updates on the status of my account opening and the steps being taken to rectify the situation. Clear and transparent communication will help alleviate concerns and demonstrate your commitment to resolving this issue promptly.

I trust that you will take immediate action to address this matter and ensure that the necessary steps are taken to expedite the processing of my account opening. Failure to do so may compel me to explore alternative options and escalate this issue further. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.