23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX ( Washington Mutual Bank ), filed Bankruptcy XXXX, FDIC became Receiver, JP Morgan Chase became Servicer of Loan XXXX until XXXX, whereas they sold servicing rights to XXXX. Per Chase they are not the investors. Per Record of Deeds of XXXX XXXX of Illinois it shows an Assignment of Mortgage ( XXXX, XXXX, as Trustee, in trust for registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXXXXXX XXXX JPMC ( JP Morgan Chase Bank ) is the owner of the account, ) Per Chase Bankruptcy Dept, Chase shows as Investor since XXXX, 1st JP Morgan Chase only became Servicer as of XXXX, They didn't Repurchase Mortgage, after XXXX XXXX Canceled all Securitized Mortgage back BondsXXXX, and making XXXX XXXX  XXXX, the Trustee over Washington Mutual Bank, after reorganization by the XXXX XXXX Team There are no more Bonds only stocks, Because these Bonds were Insured by XXXX XXXX  They then Sued FDIC XXXX JP Morgan Chase Bank , Washington Mutual Bank , whereas they told the court they were affected by the Bonds that was written off by Washington Mutual Bank before XXXX, XXXX XXXX  was awarded over XXXX, finalized XXXX  XXXX But for some reason there remains an Assignment of mortgage Via XXXX XXXX. Trustee for XXXX , ( AKA JPMC ), again I stress there is no Mortgage from JP Morgan Chase Bank , or XXXX XXXX XXXX Trustee, per XXXX, there is no Mortgage on our account, per letter dated XXXX from Executive Office ( Mail Code XXXX ) stating that Note Originated XXXX, and that it was with Washington Mutual Bank XXXX and the FDIC was the Receiver as of XXXX, But Per XXXX mortgage servicer as of XXXX, XXXX, XXXX, as Trustee, in trust for registered Holders of WaMu Asset-Backed Certificates WaMu XXXX XXXX Per Assignment of Mortgage added by JP Morgan Chase Bank- ( JPMC ) added on XXXX XXXX the owner of the account is provided below : Attention : Agency and Trust ( XXXX  XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXXXXXX. 
XXXX XXXX NY XXXX Which was after Washington Mutual Bank Bankruptcy Case ( XXXX ) Making XXXX XXXX XXXX the Trustee over Washington Mutual Bank, after several law suits it was determined that after Washington mutual Bankruptcy since JP Morgan Chase did not Repurchase the Notes, and the ( RMBSL was written off ) that our Account belongs to the Receiver FDIC,, Per document received from JP Morgan Chase Bank on XXXX. There is No Mortgage in XXXX and There is No Mortgage with JP Morgan Bank and there is No Mortgage with XXXX and there is A Mortgage with Washington Mutual Bank. This Assignment of Mortgage that was added to our Records Of Deeds we feel it was either added in error, or without advising Borrower of a change in Investor, or fraudelent, if there is a Change in Investor Please Supply, if Not Please remove Assignment of Mortgage from XXXX XXXX. Trustee
Product: Credit card or prepaid card

On XX/XX/2018 around XXXX XXXX, I went to Capital One bank, branch located at XXXX on XXXX XXXX to make a payment using the ATM machine that they have inside of the bank, so I followed the instruction of the ATM and I put XXXX XXXX dollars ( XXXX ) inside the ATM machine.Soon after I put the money in, the ATM went down, I reported that to one of the bank employees who was walking back and forth inside the bank, so she said to me, I should not have any problem, if the ATM read my card, you just can go home and wait for your statement.I did exactly what she said to me. Two weeks later when I got my statement, I was charged for late fee.So the next day I went to the branch and reported that, they had me putting my name on the paper after a few minutes, somebody called me and she called the card number representative to report the issue. they said to me that, they investigated twice, no money was found, the fact that I did not have any receipt and the only evidence that I still have is the footage, I asked them to check the footage, they denied my request. I had to pay them XXXX XXXX XXXX XXXX dollars ( XXXX ) the full balance, the card was closed and they still charging me. However I have not been used the card for 9 months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate reporting on my credit report regarding the following account : Creditor : XXXX Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but it continues to report charge-offs every month in XXXX and XXXX, which is inaccurate. 

Incorrect balance reporting : The report states a {$10000.00} balance, yet the charge-off amount was {$30000.00}. If the debt was sold or settled, the balance should be updated accordingly. 

Incorrect removal date : If the first delinquency was before XX/XX/XXXX, the account should be removed earlier than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to get my credit report with my good accounts, delete all errors-wrong names and addresses per FCRA. 
I need a new corrected report and credit accounts on the report asap!! 
I need corrected report with my credit and score by XX/XX/2019.
Product: Mortgage

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at WELLS FARGO yesterday XX/XX/26. they stated that XXXX HAS TO GIVE WELLS FARGO written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX XXXX Her and I and Wells fargo were on the phone yesterday. The funds ARE sitting at XXXX XXXX to return to Wells Fargo when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But Wells fargo will not call XXXX XXXX because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a Wells Fargo account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from Wells Fargo calls them and Wells Fargo will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Product: Credit reporting or other personal consumer reports

I gave my information to a company to get a pre-approval offer and they took the information and say I was automatically approved for the card. I never accepted the offer or was given the option to. I was under the impression I would have the option to accept the offer before a hard inquiry was submitted.
Product: Debt collection

Since XXXX 2016, Credit Control Services has been reporting a collection from XXXX XXXX XXXX for {$210.00} to several credit bureaus. This debt is not valid as I should not owe any amount to XXXX. I cancelled my plan with them when I got new coverage for both my vehicles. All premiums were current at that point. Without prompting, they decided to extend my coverage and then charged me for it. It was not coverage that I needed, nor were they told to do so. As such, I refuse to pay this bill incurred without my consent.
Product: Credit card or prepaid card

I lost my wallet on XX/XX/XXXX which contains one of the Credit card issued by Bank of America, at the time I didn't realize I had lost the wallet. On XX/XX/XXXX, I was notified by BOA online website about two fraudulent charges made on the credit card in the amount of {$150.00} and {$500.00} on XX/XX/XXXX. I immediately flag the two transactions as fraudulent and reported card lost on their website. I also opened 2 claims on those two charges on XX/XX/XXXX. After I made the 2 claims, the next day I was temporary credited for the two fraudulent charges. 

On XX/XX/XXXX, I received a letter from Bank of America notifying me that the fraudulent charge in the amount of {$150.00} was indeed fraudulent, hence they credited my account for that amount. 

On XX/XX/XXXX, I received another letter concerning the other fraudulent charge in the amount of {$500.00}, they found that it was not fraudulent because the service/good purchased with the card had the correct billing address at the time of purchase, they deemed it not fraudulent. I was liable for the amount of {$500.00} My balance on the card was reflected with the outstanding amount due on XX/XX/XXXX, and I didn't have that amount of financial asset to pay off the balance due to the recent mortgage I applied back in XX/XX/XXXX On XX/XX/XXXX, I called Bank of America Fraud department ( XXXX ) about the claim denial of the fraudulent charges of {$500.00}, I further stated that I lost my wallet along with my card, that would explain why the billing address was correct then the charges was made. I asked to have the claim re-opened. I also inquired about what happens to the outstanding balance due to the claim denial, does Bank of America temporary credit my account for the charges while they investigate? They said no, I will have to pay it off or make minimum amount before XX/XX/XXXX and accrue interest. 

On XX/XX/XXXX, I called Bank of America Fraud department again asking what is the status of the appeal for the claim denial in the amount of {$500.00}, they told me that it was denied again. 

The due date of the outstanding balance is near, I am not able to pay the {$500.00}, it would require me to cut down my other daily life necessary expenses. 

I couldn't understand that the two fraudulent charges were made on the same day, it deemed on fraudulent and the other not.
Product: Checking or savings account

We opened a credit card processing service account with XXXX on XX/XX/XXXX. 
We provided all business documents including Federal Tax ID, Bank account, Certificate of Formation to validate our business. On XX/XX/XXXX, I received an email stating our account has been deactivated anf funds will be held until XX/XX/XXXX. At the time of deactivation, we had a balance of over {$170000.00}. We were told to refund all transactions and process customer payments with another service. {$130000.00} of the {$170000.00} had been shipped and delivered to customers, making it impossible to reprocess orders, as they exceed XXXX transaction. We did refund approximate {$35000.00} to customers for orders that had not shipped. We have an outstanding balance of {$130000.00} which XXXX refuses to release. After the 90 day " hold period '' passed, an email was received on on XX/XX/XXXX stating the funds hold would be extended until XX/XX/XXXX. Then we received another email on XX/XX/XXXX stating funds would be held until XX/XX/XXXX. 
An email was received indicating the funds would now be held until XX/XX/XXXX. 
There has been no logical reason to hold our funds for this timeframe. There are tens of thousands of other complaints detailing the exact same online, better business bureaus and much more. There is only XXXX phone number to call, which can be routed to location through out the world. I have made at least XXXX hundreds calls, speaking with a person, that can not transfer any calls, or provide contact information for the appropriate person or department. I have laid-off XXXX employees the first week of XX/XX/XXXX as our funds have deminished to the point of being inoperable. 
The only acceptable resolution is for all funds be released immediately. 

XXXX XXXX support : XXXX ( XXXX ) XXXX Square Headquarters : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX Is an account Paid In Full and I would like to get it removed from my TransUnion Credit Report .
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a 30 day rating under XXXX XXXX on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from XXXX XXXX
Product: Mortgage

So, I get back from 6 years in the XXXX. Before that I spent 6 Years as a XXXX. Although I am no longer on XXXX, and from this point forward I will be addressed as such and that will show me, and well demonstrate your respect for my service to you and our Country. 
Recently, XXXX XXXX 2016 my Mortgage was sold from XXXX to Nationstar Motgage. Nationstar, apparently, by some unknown method obtained a debit writing from XXXX and fraudulently used that debit writing to portray to my bank that I had given authorization to Nationstar Mortgage to withdraw ACH Electronic funds from my bank account. Nationstar did this 5 times even though I called them and asked them to stop. The only way I could get Nationstar to stop was to make written complaint at my bank and stop them by electronic means. I called Nationstar, to ask them why they were taking electronic funds when the Note is very specific about the 3 forms of acceptable payments and ACH Electronic debit transfers is not one of the 3 forms of acceptable payments. I told Nationstar that if they would send me something in writing, that they would accept the ACH transfer in lieu of the acceptable forms of payment ( cash, check, or money order ) and there would be no back charges of any kind, I would allow them to continue to debit the account electronically, but Nationstar refused. 
As I looked over my note, I noticed that there was a problem with the Borrowers Covenant, so I sent Letter and E-mail, No response - No action. I sent complaint Letters, request letters, and demand letters only to receive a computer generated letter response that promised some response at some future date. When I call Nationstar no one there can answer my questions, not supervisors, not the Customer relations personnel, nay, not one person there can answer even the most basic question. 
I have asked them for a payment coupon with my statement so I can from time to time make extra payments, but no, even after months, no payment coupon. I have to go searching for numbers and past invoices to get address to post the check. 
Because of all of this, when I am in honor, with my loan, never late, paying ahead, much more equity in the property than debt ; I do feel something crooked is going on here. I feel that Nationstar is acting in Bad Faith ( with cause for action ), trying to dispossess me of my estate to realize the extra gain of profits, instead of sending me a statement with payment coupon so I can pay monthly, on time, as I have always done. 
I have tried to work with these people, but they have no honor. They refuse to honor my service by addressing me by my well earned and given title of XXXX. They refuse to answer any of my questions, save 1, they did give me one answer, but I have asked many questions without response. I expect better, I deserve better, and I will receive better treatment. I have a RIGHT to expect better and I will enforce that RIGHT to the full extent the Law will allow. 

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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I wrote Transunion about the improper use of my consumer report. Ive request to remove the information furnished to them improperly which constitutes a violation of 15 USC 1681 B2 No response from company about its investigation as to furnished them with incorrect information
Product: Debt collection

I had an outstanding XXXX balance, they had first sent it XXXX, then they removed it, and they sold it to enhanced recovery where i settled and paid my debt, I then received XXXX phone call about still owing my XXXX XXXX XXXX bill to XXXX. XXXX XXXX XXXX had never closed the account, and still shows i owe a outstanding balance. I am not sure which company is at fault, I just want it taken care of. I have been on the phone with enhanced recovery all day trying to get an paid in full email.
Product: Credit reporting or other personal consumer reports

I would like the wrongful information on my credit report to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 bank of america credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX {$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$920.00} 12 ) XXXX XXXX  {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.