23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid off in XXXX and have had difficulty paying my mortgages on my property. I have applied for mortgage assistance through JP Morgan Chase several times and have been denied assistance. Most recently I resubmitted an assistance package in XXXX XXXX and until now, have not received any response from the underwriter whether I have been approved or not. For the past 90 days, the underwriter keeps requesting additional information which I submit in a timely fashion. They then take another 30 days each time to rereview my file and come up with additional documents to be requested. Each time I discuss this situation with the Chase rep, they state this is the final request as your file should be complete. It appears Chase is purposely delaying review of the file, meanwhile at the same time their collection department harrasses me for payment since I am now 2 months past due. The delay review tactic was done previously last year when I applied for a loan modifcation and was denied. The government should monitor Chase as they have never assisted homeowners in need as they have been instructed to do so by the U.S. Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress " said I have a right to privacy, title 15 section 1681 ,602 A,15 section 1681 604 A, C.R.A. can not furnish account without my written instruction,15 section 1692 c, not allowed communcation with the consumer, form ssa-89 valid for 90 days, students loan on my report for to long, I don't want any derogatory information on my report, I don't want XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, off of my report, Experian validate my report right, if they did they would had seen all debts belong to United Stated title 18 section 8 , when validating, they was suppose to remove everything, they didnt contact me in 30 to 45 days,
Product: Credit card

I am requesting the date of last payment on a credit card and line of credit from Wells fargo. I have asked for this information via credit reporting agencies and through Wells Fargo directly to no avail since XX/XX/XXXX. I understand that these debts have been sold to XXXX XXXX. XXXX XXXX continues to re-age the accounts. I received a letter from Wells Fargo on XX/XX/XXXX The letter is ambiguously written to avoid answering the DATE OF LAST PAYMENT or THE DATE OF FIRST DELINQUENCY. Their correspondence only states the date the account was closed. This is not the information I need. I need documentation showing the last payment ( i.e. cancelled check ) to prove the date of last payment or date of first delinquency. I need this to understand when the XXXX year statute of limitations begins for reporting the debt. Wells Fargo 's response was ambiguously written to avoid answering the questions.
Product: Debt collection

I filed a complaint here on Synchrony Bank about the closing of my credit cards with them for no reason other than I was XXXX. Now I have received a response from them indicating that I was a high risk of failure to pay. 

I have tried to contact them more than 5 times to find out who has my accounts so that I could set up payment arrangements on my accounts. I know that these account SHOULD have been transferred outside of their bank since they closed all of these accounts on XX/XX/2020. 

No one at their bank can tell me what happened to my accounts. I checked my credit profile and I only see Synchrony Bank listed as being delinquent with them. So, if they do not have the debt, where is the debt? 

Also, one of their representatives gave me a place to call that is affiliated with Synchrony that I would consolidate all of the cards with and pay HIGH INTEREST to basically pay them up to date, It appeared to be some type of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, XXXX, XXXX, AND SHELLPOINT SEE ( CASE NO.XXXX XXXX V. NEW PENN FINANCIAL ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Confusion : The late payments occurred during a time when the account was being transferred. The account had been marked as transferred and closed. This caused confusion, and my payment records should not reflect late payments for this period since I had fulfilled my obligations to the prior servicer before the transfer. 
Timely Payments : All payments were made in a timely manner prior to the transfer, and documentation exists showing that no payments were missed. Any delay in processing or recording payments during this transfer period should not be attributed to me as the account holder. 
Payment Processing Issues : During the transition, delays in updating the account status may have caused the system to inaccurately report late payments for months when the account should have been listed as transferred and closed, not delinquent. This is evident from the reporting inconsistencies across credit bureaus. 
I kindly ask that you provide me with a response to this request within XXXX  days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I was told to wire money from my account to a bank in California that it was accidentally, deposited in my account. I transferred 3 wires as instructed to do. I believed this was an honest mistake as I was instructed and that's when I got suspicious that it was fraud as no one from Chase that these large amounts were deleted from my account and the banks that I transferred to no longer existed and I was just out of those fundsI contacted XXXX XXXX  XXXX, Az Dept of Public Safety and Chase bank,
Product: Credit reporting or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX   {$4000.00} 4 ) Dept of ED/XXXX  {$3500.00}
Product: Payday loan, title loan, personal loan, or advance loan

This organization has previously published defamatory and false information in relation to a prior complaint. So XXXX as the ethical party to set the record straight ; Affirm was advised pursuant to the Fair Debt Collections Practices Act ( 15 USC 1692g ) that they were too cease and desist their collection efforts until.my dispute of validity of the alleged debt was answered. Not.my fault this organization assumed facts not in evidence and took this as a cease and desist 2hich pursuant to federal law a verbal is only good for 10 days until such time as a written can be furnished to be considered valid and legal.

Now, this organization is in blantant violation of federal.law and I am giving it one final opportunity to revise this XXXX prior to seeking legal remedies thru civil court ( which I will also file FDCPA violation complaint and ask for fines to be levied ) n will seek damages
Product: Mortgage

My loan was transferred to Shellpoint. They messed up my payment. They undercharged me one month. Nevertheless, I have always made my payments on time and even paid over the amount I owe. They very well could have taken the amount missed and applied it correctly. I was surprised when I realized I had been charged a fee because of their error! 

I am erroneously being charged a fee for their inadequacy and mistake. This should not be allowed because it is an unfair practice on a client. I should not have to pay a fee for their error.
Product: Debt collection

In XXXX of XXXX  I became aware of a debt collection negatively affecting my credit. This was from " Credence Resource XXXX '' for an amount of {$1900.00}. It stated the original creditor was XXXX XXXX This account was opened on XX/XX/year>. I did not open this account, nor have I ever had any business with XXXX XXXX This was only showing up on my XXXX credit report. I did not see it in my XXXX or XXXX reports. I also found on my XXXX report an address in Michigan related to thaXXXX XXXX XXXX XXXX  account. That address was XXXX XXXX XXXX XXXX XXXX XXXX. 

I called Credence Resource Management on Friday, XX/XX/XXXX. I alerted them the account was not mine. All they did was say they would send me some fraud resources, which they did not do. 

I disputed the Credence Resource XXXX account and the address with XXXX. They removed the address from my report, but " verified '' the Credence Resource XXXX account as accurate. 

I called XXXX and resubmitted the dispute as a fraud dispute. That is where things currently stand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow XXXX or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 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 card or prepaid card

I have a debit card that I was initially making all payments on my capital one account. That debit card was a XXXX XXXX then I upgraded my account and received a new XXXX XXXX. Those two accounts are connected on the app for my payment. I also have a XXXX XXXX account. The first payment I made was with the account number of my first XXXX account, it was not active so It bounced. When I realized I selected the wrong account I went ahead and made another payment for {$490.00}. ( Remaining balance ) I didnt realize and they never let me know what the issue was until I called them after making my second payment inquiring why my second payment was not going through, ). I must have accidentally hit the same card or an inactive card again. Which was my fault. But it bounced again. My minimum payment was due XX/XX/XXXX, which is today. I went over to make the ( {$200.00} ) payment on the phone with my XXXX because for some reason my XXXX isnt working, and they closed my accountS : I dont want this effecting my credit score because I am trying to build it and it was an honest mistake. I still made a {$200.00} payment from my XXXX account today.
Product: Student loan

I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax true credit score is not appearing in any credit report and keep getting denied for credit card and loans
Product: Checking or savings account

I got this message with my XXXX credit alert : '' JP Morgan Chase reported a bank account opened with your SSN '' today. i called chase bank and the rep said he could not give out any information after I gave him my ssn and name. i dont know who opened an account in my name but it was not me. this is a result of fraud.
Product: Credit reporting or other personal consumer reports

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9200.00} on XX/XX/2023. As of XX/XX/2023, 5 months later my account is reporting as XXXX  days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.
Product: Checking or savings account

I have had a safety deposit box with Chase bank located on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX since XXXX of XXXX. I went to this branch on XX/XX/XXXX at noon time to access my safety deposit box. After the bank representative verified my identity, we went into the vault, using the branch key and my key together to unlock the door only to find that the entire metal box inside is missing. Im not referring to just the content of the box, the whole box is gone and its just an empty space behind the locks. 

The representative immediately escalated this situation to her supervisor, and the supervisor took us back into the vault and repeated the same steps to confirm. She also confirmed that the entirety of my deposit box is missing. 

The bank quickly verified that the last time I had accessed my safety deposit box was back in XXXX of XXXX, which matched their records. Their record also showed that no one else had accessed the box, and the only other notes were for routine maintenance or audits. I am absolutely certain that my box along with all of its content were securely locked away during my last visit. Also, I have never lost my keys. 

The bank had asked for an itemized list of what was stored in my safety box on XX/XX/XXXX, and I have provided the list to the bank on XX/XX/XXXX via email. No further updates from the bank. A police report has been filed with the XXXX Police Department. 

This level of negligence in the situation is unheard of. How many other boxes are missing? Please help!