23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is regarding Loan # XXXX with Chase BankAfter my husband 's passing on XXXX XXXX, XXXX I informed the bank in person of his death. The title is in my name as well as the deed to the home. 
The loan was in his name only. Due to my financial circumstances at the timeI was advised that it would be best to leave it as is for the time being and just continue making the monthly payments. There was no guarantee that I would qualify to assume the loan. This scared me. So I did my best to continue making the payments monthly. 

In the months of XXXX and XXXX XXXX I faltered with XXXX payments. Currently I have been 2 months behind since then. But have not missed XXXX payment since that time. 


I have made several attempts to Chase Bank to resolve this and get a snap shot of the loan. Because I am not on the loan they are not authorized to speak to me or give me any information. I advised them that XXXX had passed away. I was told to send a copy of the death certificate and a copy of my Grant Deed. They also requested an estate letter which I do not have. 
When I called back to fax it over I was rejected by the person that I had spoken to. And left in limbo again. 

When I had received a certified letter regarding my loan being in default no one would speak with me. 

On XXXX XXXX, XXXX I went in person to the bank to make my monthly payment. My money was refused and I was informed that it had gone to the foreclosure department. 
Upon presenting my power of attorney letter I was told that they would n't accept this either. Since the POA was dated from XXXX. There is no expiration on the document. 

I was told that I owe {$12000.00} in back pay for the last six months. But I have been paying every month. When I asked where my money was going, I was told that they did n't know. So even though all my payments have cleared for the last 6 months they are saying that I have n't paid. But I am still in the same predicament not being able to be informed about information on this loan. Since this time I have sent over to the Chase Corp. office documentation of the Grand Deed and the death certificate. 

I want to resolve this issue by agreeing to start a payment arrangement to pay off the existing late charges. Because they rejected my XXXX payment I am now three months behind and officially in default. I believe that this was totally unnecessary to deny this payment. They have taken all my payments for the last two and half years. Then suddenly they have decided to quit taking my money. It seems like they are intentionally trying to make me lose my home. I was only 2 months behind. Not 6. 
Please help me get this matter resolved. I am a responsible XXXX year old woman. At the time that I originally defaulted my finances were very tight and I was trying very hard to pay my bills. Since that time I have been working and have managed to make every house payment monthly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain credit.
Product: Mortgage

I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.
Product: Debt collection

I was contacted last week about owing XXXX for breach of contract on an apartment I had just moved out of. I was very upset, since I knew for fact my contract was up. For XXXX days they called me and i told them this and told them I would get with the apartment management which I did and that I had poof that I was not in breech of contract. They tried to use scare tactics telling me about it following me on my credit and that it probably wouldn't matter what I did or said to prove it was wrong I just needed to pay it. When I finally disproved them then they told me the debt was for something else and yelled at me over the phone that it would just go on my credit. I have never been talked to so rudely and harassed for something that I know I am in the right for.
Product: Debt collection

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 XXXX XXXX responded to my complaint stating when I allegedly entered into my car contract I fully accepted the terms and conditions of my information being shared. However in the initial contract between XXXX XXXX and XXXX XXXX XXXX no disclosure providing me with the option to opt out of my information being shared was provided, nor was a disclosure provided informing me that my information would be shared with a third party when this contract was executed. ( Please see attached contract ). According to 15 U.S.C 6802 the consumer shall be given a clear and conspicuous notice informing the consumer that they have the right to opt out, the consumer shall be given a chance to opt out and the consumer shall be given an explanation of how the consumer can exercise that nondisclosure option. However in response of my complaint XXXX XXXX provided a XXXX  XXXX page contract between XXXX and XXXX XXXX XXXX that did not contain a clear and conspicuous option for me to opt of sharing my information nor does this contract contain a section informing me of my information being shared and my limits to a company sharing my information. XXXX XXXX also attached a fraudulent privacy policy notice which intended to inform the consumer that they don't have the right to opt out of their information being shared, however pursuant to 15 U.S.C 6802 and the Gramm Leach Bliley Act they both clearly gives consumers the right to opt out of sharing information. Upon information and belief these statutes only can be enforced on state level as they have no cause of action in federal court but are very much applicable to doing everyday business with consumers/ customers. I demand that XXXX XXXX remove this account from the XXXX major credit reporting agencies XXXX, XXXX, Transunion, and XXXX within XXXX ( XXXX ) days from the date of receipt. If XXXX XXXX does not comply with my request I will be forced to seek legal assistance to clarify and remedy this matter. ( attached is XXXX XXXX response to my initial complaint, car contract, XXXX XXXX privacy policy ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY. 

XXXX HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. 

ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME.
Product: Mortgage

XXXX XXXX, the wife of XXXX XXXX, was awarded the home in question by the divorce court. After extensive phone calls, emails and providing the divorce decree and many other requested documents, Flagstar Bank finally changed the account to XXXX XXXX name. She timely made all of the mortgage payments thereafter and her husband had no involvement at all with the loan. However, when she sold the home on XX/XX/XXXX, Flagstar Bank issued the check for the balance in the Escrow Account ( {$7400.00} ) to her ex-husband and sent it to her. After talking with many of the people at Flagstar Bank ( who promised to correct the problem ) and again sending the divorce decree ( because the people at Flagstar said they had no record of them ) she returned the check as Flagstar instructed. Flagstar issued a new check and sent it to her, but again it was issued to her ex-husband, not to her. After talking with many more people at Flagstar, including supervisors ( XXXX, XXXX, and XXXX ), Flagstar promised to electronically transfer the funds directly to XXXX XXXX account. It was never done and Flagstar never responded again. XXXX continued to call and email with no response. She hired XXXX XXXX XXXX, attorney, who made demand for the escrow amount on XX/XX/XXXX, with no response whatsoever.
Product: Vehicle loan or lease

I have been trying to get my name changed on the title for over a year. I purchased the car in XXXX of 2023, XXXX month later I got married and changed my name. I have been trying to get my name changed ever since. They have sent me the name change packet twice when I sent back completed, they claim they never received it until the third attempt. I have had to call and follow up so many times. All I'm trying to do is get my name changed on the title. I spoke to XXXX and they told me to have Audi sent me the title and I bring it in with a statement of facts to get it changed. Audi said they can't send the title to me. I have gone to XXXX numerous times and they tell me the same thing, I need the title sent to me and they can change it. I am driving around here with old outdates tags because Audi/VW Leasing can't do simple task. People change their names every day. I have changed my name with social security, XXXX, all my banks, credit cards and NO ONE ELSE HAS GIVEN ME THIS MUCH TROUBLE. I have spent money getting the name change packet notarizes, certified mail 3 times. I also have not been able to get my clear air vehicle sticker on my car which allows me to go through tolls at a discounted or free price. I bought en electric vehicle specifically for this. I want my name changed on the title and compensation for them taking so long to change my name which is costing me wasted money on tolls. They should give me a few months free off of my car note or something! I drive every day at risk of being pulled over or getting a ticket because I have expired tags. XXXX let me pay for my registration but I can't get my tags.
Product: Debt collection

I was told that my student loan would be forgiven and that the balance would be forgiven by at least 50 percent. I was told that the 1st 5 payments goes to the company for admin fees and that the {$40.00} a month would go towards my student loans. I found out today that this is untrue and the payments go directly to the company and nothing goes towards my student loans.
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 : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my rights. Or 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 card or prepaid card

On XX/XX/XXXX, I received notification that my 2017 taxes were deposited in my bank. I contacted the company knowing I had requested a amex serve card but had not received information or a card. They informed me it was the amex serve card and to contact them. Since that day, I have spent 15 hours attempting to resolve the issue. I have been lied to by 22 agents and hung up on 6 times. While my funds are on this card I still do not have access to them not do I have a comfortable answer as to when these funds will be provided. As I fill this form out, I am on hold for the 6th time today ; current hold with no contact with an agent is 47 minutes. I have been blamed, hung up on, completely misinformed, they have made promises and I am still without funds or any idea as to when I will be sent them. I have been charged twice now as well.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX NA XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition foXXXX XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX
Product: Mortgage

I was approved for unemployment mortgage forbearance but the loss mitigation officer told me it will affect my credit score and credit rating. That does not sound correct. Your credit should not be affected when in when in forebearance. The lender is Carrington Mortgage Company. I have had my mortgage for 14 years and 10 months.
Product: Credit reporting or other personal consumer reports

I was denied credit due to information being reported by consumer credit reporting agencies. I do not agree to credit agencies reporting information about me. I also want to dispute the collection reported by XXXX XXXX XXXX for {$XXXX}, this amount is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decided to respond to my complaint ( XXXX ) that was initiated on XX/XX/22. They mentioned that the inquires that I mentioned, were unauthorized, were linked to open accounts that " was '' on my report, meaning that they are no longer there... if we are going by their word, they are openly admitting to NOT following the FCRA guidelines by reporting inaccurate information this is in violation of 15 USC 1681e ( b ). How are you going to claim that inquiries that I, as the consumer am telling you are unauthorized, are valid because they are linked to accounts that " was '' on my report. They then proceed to say, that they were removing 5 inquiries that were included in my complaint because they noticed that they were " duplicate '', this is also a violation pursuant to the FCRA as they are supposed to be sure that there are not inaccuracies on my consumer report at ALL times. They also said that the inquiries shown are a " factual record '' and shall remain on the report for two years ... if I am telling you that these are unauthorized and you have no way of verifying that an application was submitted by me, you are required to delete these items. It should not have to take me filing a complaint for this agency to do their job. They then proceed to mention permissible purpose, which I am glad that they did. According to 15 USC 1681b ( a ) ( 2 ) they never received my permission in writing to furnish my personal information in the first place. There was also a mention of a reinvestigation being done, this is also an admission that you all have violated the FCRA, you all NEVER reached out to any friends, neighbors, or family members and conducted interviews as stated in 15 USC 1681a ( e ). How can you claim that you know these " unauthorized inquiries are factual, if you do not receive " applications : from the " credit grantor ''? This is an ASSUMPTION and is no where outline in the law. If you so called knew that these inquiries were factual based on accounts opened and I am disputing the validity, there is no FACTUAL evidence for you to go off of. There are NO current open accounts with any of the companies who Experian has allowed to gain access to my consumer report.
Product: Debt collection

Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.
Product: Debt or credit management

I don't believe that the debt reported on my credit report is valid.