23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX small children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been one month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.
Product: Credit reporting or other personal consumer reports

Two hard inquiries were made on my credit report including one for XXXX XXXX onXX/XX/XXXX and one for Barclays Bank on XX/XX/XXXX.

XXXX XXXX says they do not have an account request or open user my social security number and Barclay was not much help on looking anything up, they said I need to file a report.
Product: Mortgage

Mr Cooper mortgage company. I was behind on my mortgage 2 mos. I called to get the totals with late fees and got a increased amount to pay for XXXX and XX/XX/XXXX. I ask why was the mortgage so high what happen. I could not get any answers. I wanted to make payments but the online payment service was cancelled due to my late payments so I called again they took 1 payment of {$510.00} on XX/XX/XXXX and did not apply it to my loan but debited my checking account. They told me to call back and make another payment the next day. Which I did and they said you have to pay the full late with an escrow balance {$4900.00} My insurance had lapse and they attached an escrow account to my loan this took weeks for someone to tell me this. I paid {$2300.00} into the escrow acct on XX/XX/XXXX to clear this up. To this date XX/XX/XXXX. I have not been given the correct total to pay my loan current from XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I spoke to an agent every day. The agents are not given me correct information each time I call. I've ask for them to remove the escrow account they said it would take 24-48 hours to remove because they did receive the {$2300.00} on XX/XX/XXXX. This was not done. I spoke to an XXXX XXXX 2 mos. later she stated they could not remove the escrow account it took weeks to get this answer. On XX/XX/XXXX They sent a payment to my insurance company of {$920.00} XX/XX/XXXX when I sent Mr Cooper proof of my insurance. My insurance was paid in full by me on XX/XX/XXXX for {$970.00} now they are charging me for the escrow funds that was sent to my insurance company. This company is the worst and I don't understand why I cant get someone on the phone that could clear this up in one day. My house would be in foreclosure if I don't get help immediately. I would like to pay my loan payment up to date but not including the escrow account since I've paid it in full {$2300.00} on XX/XX/XXXX
Product: Mortgage

21st Mortgage Corporation ( hereafter the mortgage company ) is suing me for possession of my home. My husband XXXX XXXX died on XX/XX/2021. I am the Successor of Interest because I am his wife of XXXX  years. 

The mortgage company was in communication with me about bringing the payments current up until I advised them that I would not be able to bring the account current. 

The mortgage company would not answer my question about whether or not the mortgage had private mortgage insurance that would cover the entire amount owed in the event of death. 

The mortgage company did not attempt to contact me again directly via mail or phone regarding loss mitigation options. 

The mortgage company sued me and attempted to serve me the first time on XX/XX/2021. In the suit they lie and state that the loan has been accelerated and foreclosed on which is an ABSOLUTE LIE - ( see the attached Notice of Delinquency dated XX/XX/2021 ) which was mailed over a month AFTER the lawsuit was filed. 

They are seeking possession without having any proof of my identity or proof of my husband 's death. They are not seeking monetary relief in the illegal lawsuit because they can not, I am not on the note - yet. 

The mortgage company is in violation of multiple requirements designated by the CFPB with regard to handling the rights of a successor of interest/heirs of a deceased mortgage holder. 

The mortgage company has communicated with the landlord of the lot my husband rented in order to bully and intimidate me into moving. 

The mortgage company used aggressive and scary tactics to attempt to serve me including having a woman scream my name at my door and yell out that the Texas Supreme Court was serving the papers ( for the illegal lawsuit ) on XX/XX/2021. 

Despite my posting No Trespassing signs on my door the mortgage company again sent a person to knock on my door on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

During one of these trespassing incidents the person banged on the mailboxes outside and when I opened the door a man in a white truck with tinted windows sped away. This was very upsetting and scary as I am a widow now, I live alone and have no friends or family nearby. 

I will be filing the proper inheritance forms with the county this week regarding the mobile home - an Affidavit - Statement of Inheritance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Product: Mortgage

I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a online payday loan that keeps coming up on my credit report from XXXX XXXX it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through NCA XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.
Product: Credit reporting or other personal consumer reports

I Disputed the payment accuracy of this XXXX account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all 30 days late and XXXX marked as 60 days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with two year payment history not possible next thing on experian XXXX and XX/XX/XXXX are marked as 30 days late but XXXX XXXX XXXX are current where XXXX is marked as late which one is it? XXXX again reporting different statues from the other two XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other two I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information after if any negative remark is found that is innacurate or keeps reporting i will not hesitate in bringing legal action against XXXX for violation of XXXX after deleting this account please provide me with an updated credit report reflecting the changes.
Product: Money transfer, virtual currency, or money service

I sent money to a friend but my friend is not able to get into the account because it is asking her to verify a debit card that she no longer has. My friend opened up another account with Cash app and has asked them for help getting into the old account. Cash app says that they can not help her get into the old account nor can they transfer the money to her newer account. She has been in contact with Cash app since XX/XX/XXXX. I have also been in contact with Cash app since XX/XX/XXXX. I would like for either her to receive the intended money or for them to just send me back my money. Cash app keeps saying that there is nothing they can do for me & my friend gets the same response. 
I sent {$66.00} on XX/XX/XXXX. I contacted Cash app on XX/XX/XXXX by email. I then contacted them again by phone numerous times with the last time being on XX/XX/XXXX At that point I asked for a manager. I was told that I can only communicate with a manger through email. Manager stated that they could not help & the recipient needs to reach out. However she has been reaching out to Cash app support for as long as I have and they have not helped retrieve the money.
Product: Credit reporting

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. 
XXXX
Product: Debt collection

Macy 's DSNB has committed federal mail fraud pursuant to 18 USC 1341 & 1343 by sending me the consumer/natural person alleged debts requesting me to pay when they knowingly knew that the credit card/social security card provided by the United States of America. The also know that debts are the obligation of the United States pursuant to 8 USC 18 and 31 USC 3123.

18 U.S. Code 1005 - Bank entries, reports and transactions U.S. Code Notes Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other
Product: Credit reporting or other personal consumer reports

synchrony bank be removed as a charge off on my account while synchrony Bank should not be on my credit report at all as I owe them nothing nor do I know anything about this third party company now claiming this debt that they sold to back on XX/XX/year>XXXX  named XXXX XXXX XXXX, whom I never enter into a consumer transaction with. The Fair Credit Reporting Act states that if a consumer notices inaccuracies or incompleteness of information they are to send a notice of a dispute to a consumer reporting agency notifying them of such inaccuracies or incompleteness. After going back-and-forth, yall keep stating that the accounts are accurate and verified your company has failed to conduct a proper investigation as there are still inaccuracies or incompleteness of the accounts that were in the initial notice of dispute which is a violation of 15 U.S.C. & 1681 ( i ) As I request again with proof of me, owing synchrony bank nothing the letter that they provided stating that they do not own this debt, which means I do not owe this debt to synchrony bank so again please remove this inaccuracy from my Report today. They have also violated my consumer rights per USC, 6802 please respect my rights under the FCRA Section 611 Part ( A ) ( 1 ) as this is the over the 3rd attempt to fix these inaccuracies in a timely manner per 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural persons. Im the consumer in which the debt is arising This company is violating my rights per 15 usc 1602p. Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable again These are inaccurate on top of I am a victim of the XXXX XXXX breach, so everything that I have been requesting should have been updated through all three credit bureaus, and it was not so today I stand here stating I am challenging jurisdiction with evidence here of my letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud and inaccurate reporting is causing damages to me my natural living breathing self and my credit report. Hindering me from being able to purchase a car for me and my children as the winter time is approaching and they have to walk to the bus stop in the freezing cold. They have missed half of their football and cheer season due to me, not being able to get them there because I do not have a car and Im being denied loans for a car, Due to these inaccurate reporting on my credit report and I am unable to purchase us a new home as well with these inaccuracies. i am also requesting that these items be removed within 15 days
Product: Credit card or prepaid card

XX/XX/2022 amount paid to merchant of {$560.00}, card ending XXXX. Billed by credit card company again for the {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount for {$560.00} had been paid on XX/XX/2022 and it had been credited to my account. I have been fighting with the credit card company and get nowhere. They said the dispute I filed with them had been investigated ( XXXX different times ) and I was responsible for the charge. I have the paperwork from the merchant and my bank stating this bill has already been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX   reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payment during the month of JXX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.