23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an insurance claim for wind and rain damage on my home ; my insurance company paid out {$7500.00} on the claim. Chase Home Finance improperly converted the claim into a monitored claim - which is very rare for interior cosmetic damage - and we endorsed the check over to Chase. Chase then ran us through hoops for months to get the check released. In the meantime, we laid out the money to hire a contractor to do the fixes and then submitted proof, including photos of all the repairs to Chase. Chase contacted me and scheduled a Chase inspection of the property and told me that the inspection would take place within 3 days. Chase never called me back. I followed-up with them and requested that the check be released however they now tell me that they transferred the loan to a new servicer, although they never previously disclosed that the loan was being transferred. Chase failed to notify me by mail that the loan was being transferred or otherwise. On XX/XX/XXXX I sent in an electronic payment to Chase for my monthly mortgage payment not knowing that my XXXX payment needs to be made to XXXXXXXX XXXX. On top of everything else, Chase is wrongfully withholding my insurance check ; I contacted XXXX and they informed me that Chase has not transferred the check to them. I never authorized Chase to release the funds to anyone but myself ; if chase released the check to XXXX, it was a violation as they had no authority to release it to them. I have also made repeated demands by letter asking Chase to show me the original Mortgage and Note on my property and they have failed to respond or comply with the request.
Product: Debt collection

Unfortunately with CFPB, you are only allowed to select one choice but my issue with Chase Bank involves multiple potential violations. 

I have had various health and financial issues over the past couple of years. I'm finally getting back on my feet. My Chase credit card was not only my lowest balance card, but my lowest credit limit card. And they are the company that I've had the most problems with. In fact, I haven't really had problems with any of the other companies I'm associated with except for Chase. 

I was a card member for something like 17 years, Maybe longer. In all of that time, my credit limit was never increased ( besides when I initiated an increase ) where was my APR ever lowered but I still remained a client of Chase. 

I started having financial problems and my balance hovered around only {$700.00}. 
After a few months of me not being able to pay, understandably Chase close my account. 

The problem is : Chase kept treating and keeps treating my closed account as an open account meaning I still receive emails as if I have an active credit card when my account was closed back in XX/XX/2022. Chase keeps issuing late fees and keeps piling on interest to a card that was closed many months ago. So now my approximately {$700.00} balance is now over {$1000.00}. 

They keep calling every single day.. not one day has gone by where they have not called. 

Chase has already been involved in multiple class action lawsuits where it had to pay out millions of dollars due to harassment or unfair collection practices. I will not be taking advantage of that's why I'm officially filing this complaint. 

To summarize : 1. my balance must be adjusted 2. They need to stop calling my house with harassing phone calls every single day.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


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

There are hard inquiries on my report from XXXX on XX/XX/2023 and ComenityXXXX XX/XX/2023 that are not mine. I do not live in Ohio nor have I attempted to obtain retail credit with either of these businesses.
Product: Money transfer, virtual currency, or money service

XXXX XXXX held $ XXXX in pending, due to an investigation and signature verification on three checks. I explained to XXXX XXXX that it was a fraud and to return the monies to my Chase account. XXXX XXXX told me to contact Chase and open a claim. Chase refused citing that written checks do not have the same priority as wire transfers and the payment to the receiver must take place. Instead of preventing frauds, banks are allowing fraudulent transactions to take place.
Product: Debt collection

Received a notification via XXXX that my credit score went down. Looked into the issue and saw that a debt collection had been added to my account from SEQUIUM ASSET SOLUTION ( original creditor : XXXX XXXX ). 

The notification indicates that I supposedly owe {$7500.00} to the debt collection agency. The date the account was opened was XX/XX/2023 on account number XXXX. I have never used XXXX XXXX XXXX and never received any information about this supposed debt aside from the notification from XXXX. 

I disputed this debt collection via XXXX and nothing was resolved. I will be attempting to file this dispute directly through XXXX XXXX.
Product: Vehicle loan or lease

We went to get a car and after running my credit i noticed they ran my credit XXXX times and spouses credit XXXX times and we did not authorize that and ended up only putting the loan on my name. also after signing everything i found out they ran the car through service before giving me the car and we ended up taking the car back because it wasn't XXXX XXXX  XXXX and they been aware before releasing the vehicle. They threatened that if i didnt bring the car back as soon as i called i was stuck with a XXXX XXXX XXXXnd they wont take it back. So i also asked if they participate in Truth In Lending Act ( Law 15 U.S.C. 1601-1667f, ) and they said they did and all dealers do but committed fraud and charged me {$2700.00} cash on top of the high interest loan they sold
Product: Credit reporting

Transunion is supplying data for a habitual violating furnisher without permanently blocking. 
See CFPB XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX after multiple verifications, updates and certifications continues to damage me with unfactual information. 
On this report they show in collection in the payment record and the case closed in XX/XX/2012 ( this is false ) .They show last pymt made XX/XX/2012 and months of collection following this date ... this is obviously false.The payment records false recency is damaging. 
The furnisher ca n't get the record right after multiple attempts to do so ... ..I do n't have to suffer this without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... 

Equifax has not replied to any of my requests
Product: Student loan

I obtained a private student loan from XXXX obtained in XXXX of {$4200.00}, After being handed off to multiple lenders was passed to Navient in XXXX. After entering an income based payment plan, Navient unfairly and inconsistently Credited principal and interest throughout the years. Without updating total balance after payments were made. Over {$3400.00} to principle and {$3500.00} to interest were paid from XXXX to XXXX while only decreasing the total owed by {$500.00}. Including a lump sum payment of {$1000.00} made during XXXX. 

During XXXX after I was unemployed and reached out to Navient, they informed me I would not be allowed to enter into a forbearance period Even after the federal government stop student loan payments and threatened with sending my loan to collections. Intern, I had to obtain a personal loan to make the reoccurring payments charge to my debit card Despite my efforts to cancel automatic payments. 

XXXX after making over {$3000.00} worth of payments in XXXX, I decided to cancel my automatic payments and continue to be charged random dollar amount on random days without permission. When I reached out to Navient, they told me to contact my bank to have the payments canceled, And that there was nothing they could do Even though I had email verification that the automatic payments were canceled twice. 


In XX/XX/XXXX I was told by my cosigner/mother That Navient XXXX XXXX her for payment after I canceled my automatic payments, Causing extreme distress in our family. Over {$7000.00} have been paid to Navient in the last XXXX years With no decrease in overall balance.
Product: Credit reporting

XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX  XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : 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. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
Product: Money transfer, virtual currency, or money service

my funds is hold for 180 days. and my account is permanently close
Product: Checking or savings account

On XX/XX/XXXX, there was a withdrawal from my cashapp acct for {$3600.00}. I did not authorize. Cashapp abated the withdrawal was from IRS. THEY SD THE DESCRIPTION WAS IRS TREAS XXXX XXXX. That is the same as the IRS stimulus payment. I called the IRS and they did not have record of me owing a debt. They also stated that they would not debit my account without me authorizing. I called the dept of treasury, they did not have record if me owing them. They also stated they would notify me in writing first and that they only offset tax returns. I called the XXXX office of fiscal affairs. They stated they did not deduct anything from my account. All of them stated that they do not make deductions from bank accounts unless they have a lein to do so. I advised cashapp. They told me that the XXXX was trying to reverse NY XXXX stimulus payment for XXXX. Again..the IRS does not have record of such transaction and that they could contact me first and would only remove amount from my future returns.
Product: Credit reporting or other personal consumer reports

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

account numberXXXX according to the fair credit act account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy. 
15 U.S.C 1681 604 A section 2 cosumer agency can not furnish account without my written instructions.
Product: Credit card or prepaid card

My account was blocked and they told me that i couldnt receive my funds until i sent my social security card well all the social Securities are closed and there's no way for me to get my Social Security card the dates for the problem with the prepaid account we're here recently I should have two or three different payments in my account but they blocked it to where I couldn't receive it
Product: Student loan

The account is at a {$0.00} balance and show that on the AES website, but all 3 credit bureaus are showing a balance, this was resolved in XX/XX/2020, thanks
Product: Debt collection

I received two summons for two XXXX  XXXX XXXX credit cards from messerli and Kramer. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said messerli and Kramer, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of XXXX.
Product: Credit card or prepaid card

I have a bluebird American Express prepaid card. 
Someone stole the card number from me and used it to spend over XXXX of my money. 
I disputed this 2 times both times they said they was not going to give me a refund. Then without warning closed the account. 
Now my simulios check. My taxes and my XXXX has no account to go into. This happened a 2 months ago. I just now found you guys and I hope u can help me
Product: Mortgage

On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  XXXX .
Product: Debt collection

I received a letter from XXXX XXXX , XXXX which claims their client LVNV Funding LLC has " purchased '' an account from XXXX XXXX  XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX  anywhere near {$14000.00}. XXXX XXXX is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. XXXX XXXX has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. XXXX  XXXX has not identified any specific person at LVNV Funding or any contact information for LVNV Funding to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at XXXX XXXX and LVNV Funding that can be named in subpoenas for deposition and litigation.
Product: Vehicle loan or lease

Complainant Information : Date : XX/XX/XXXX Complaint Overview : This complaint is a follow-up to my previous complaint dated XX/XX/XXXX, regarding Bridgecrests involvement in the illegal repossession of my XXXX XXXX XXXX XXXX XXXX a breach of contract, fraud of accounting, mail fraud, and conversion of my personal and LLC property. I am requesting the CFPBs urgent attention in addressing these matters. 

Issues Raised : 1. Bridgecrests Lack of Assignment : Bridgecrest has no legal right to service my contract with XXXX. According to my contract, Bridgecrest is not listed as a creditor on page one, section A, nor are they mentioned on page six as being assigned to the contract. Bridgecrest has provided no valid documentation confirming their legal right or interest in this contract. Despite these facts, they repossessed my vehicle on XX/XX/XXXX, without lawful grounds. 
2. Discrepancies in Payment History : Bridgecrests provided payment history includes multiple inconsistencies. For instance : A {$470.00} payment made on XX/XX/XXXX, was returned due to insufficient funds, as was a {$460.00} ACH payment on XX/XX/XXXX. 
On XX/XX/XXXX, the account was credited with {$81.00} for an overpayment, showing a prior balance of {$15000.00}, which should reflect a XXXX balance with no further returned payments. 
Further manipulation occurred when, on XX/XX/XXXX, a new balance of {$16000.00} was reflected, only for the balance to again show XXXX by XX/XX/XXXX, and an additional credit of {$140.00} was applied. These manipulations indicate the account was paid off twice with different credit balances, without any valid justification from Bridgecrest. 
3. Debt Validation and Assignment Issues : Bridgecrest claims to have validated the debt three times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, the documentation they provided does not prove their interest in the contract. As stated, Bridgecrest is not named as the creditor on page one, nor does it show any assignment of the contract from XXXX to Bridgecrest. Without this legal validation or assignment, Bridgecrest can not claim any authority to service the debt or repossess the vehicle. 
4. Arbitration Agreement Dispute : I never signed or agreed to an arbitration agreement with Bridgecrest. My contract is with XXXX, and Bridgecrests involvement was never mentioned or agreed upon. Any claims by Bridgecrest regarding arbitration are void, as I have no contractual obligation with them. 
5. Violations of Legal Rights : The illegal repossession of my vehicle violates multiple laws, including : Truth in Lending Act ( TILA ) : For failing to properly disclose their interest in the contract. 
Uniform Commercial Code ( UCC ) : For conducting an unauthorized repossession and not providing a valid assignment. 
Fair Debt Collection Practices Act ( FDCPA ) : For not validating the debt and continuing illegal collection practices. 
Fraud of Accounting and Mail Fraud : For manipulating account history and providing false information to credit reporting agencies ( CRAs ).

Conversion : For refusing to return my personal and LLC property during the repossession.
Product: Debt collection

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Experian will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXXXXXX
Product: Mortgage

I need to file a complaint against Shellpoint loan services, I was given an unreasonable repayment plan to stay out of foreclosure, I cant pay of down payment. They want a down payment of XXXX I dont have this. I cant pay pay XXXX down and XXXX a month. Yesterday I called and spoke to a associate because my POC was not available and I explained to her the problem and she told me and I am quoting I have never ever seen a down payment that high and I have worked here a long time! Today I called and ask to speak to a supervisor and she said this is a compliance issue. I want a decent repayment plan. The supervisor is filling an internal compliance complaint on my behalf. The reason we got behind is my husband is XXXX XXXX  and is XXXX. He is in home XXXX XXXX But Shellpoint will not help me, they only want to foreclose on a XXXX XXXX retired Veteran. He is on XXXX  and cant be XXXX  and Shellpoint wants to put us in the streets and we have no where to go. I have the money just not XXXX I have XXXX and XXXX a month. But instead of taking what we have, Shellpoint wants to foreclose on our house. But from what I was told by supervisor this is a Compliance issue!!!!