23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referring back to complaint # XXXX with XXXX XXXX, the investigation was completed and XXXX XXXX reported correctly the status of a mortgage account that was transferred/sold back in XX/XX/XXXX. XXXX   and XXXX  both have the information reported correctly on my credit report ; however, Equifax did not report the information as requested back in XXXX. My credit score has been significantly impacted with Equifax due to their error. This error was noticed on XX/XX/XXXX when I was trying to obtain financing for equipment for my business. I contacted Equifax and was told " we do not enter any information without the lender sending it over '' ; therefore, I initiated a dispute with my lender, XXXX XXXX. After the investigation into the matter by XXXX XXXX, the fault for my credit score dropping, dropping and dropping again is due to Equifax not reporting correctly on my report. Provided is documentation backing up my complaint. 
1 ) Copy of XXXX and XXXX credit reports indicating the transferred loan was reported back in XXXX. 
2 ) Copies of Equifax credit reports indicating my score and reporting of the loan in question on the dates ofXX/XX/XXXX ( indicating 2 mortgages open ) ; XXXX ( corrected report with 1 mortgage open ) ; XX/XX/XXXX( no mortgages open ) ; and XXXX ( open loan added back to make report correct AGAIN ). 

As you will see, my credit score went from XXXX to XXXX to XXXX to XXXX in a matter of 9 business days ... without any activity other than the Equifax entries. 

My question is ... Why did XXXX and XXXX get the information posted correctly back in XXXX and Equifax did not? Thru XXXX XXXX 's investigation, the information was sent to Equifax on XX/XX/XXXX, to report the loan as transferred/sold ... so why was it not done??? XXXX XXXX also resent the same information to Equifax on XX/XX/XXXX as a precautionary update and at that time, Equifax removed all open mortgage loans on my report. UGH! 

I am very upset with this entire ordeal, as it has caused me to not be able to obtain lending since my Equifax score is below the 620 threshold my bank requires! This is no fault of mine and I desperately need this score repaired immediately as I need to purchase a {$50000.00} piece of machinery for my business! 

Bottom line -- -- why did 2 out of the 3 credit reporting agencies get the information correct the first time it was reported and Equifax made four different entries on my report causing me to suffer???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit card or prepaid card

On XX/XX/XXXX the complaint with I can not spin regarding it a transaction on my account books I did not authorize. Inform that's been a the transaction and that it was not me and that I filed the police report. During The dispute process the representative informed me that they would be contacting vsa, and the ATM the company that owns the ATM. I then had to wait 20 days, 20 business days Before I was eligible for an update on the dispute. So tueni business days had passed and I called nets been, and they decided that the outcome should be that there was no air. I asked how they came up with that decision they said they would email me the documentation and that was it. So I've been trying since XXXX a face to rectify this with that thin I've been calling almost every day for 2 weeks trying to get this rectified. I have called numerous times for several days since XX/XX/XXXX until today which is XX/XX/XXXX they have been promising me that someone from the corporate office would contact me that has not happened since XXXX the says come out they have promised me that someone from the complaint department will contact me and it has not happened. So now I am done trying to rectify this would nets then so I'm going XXXX follow complaint with the consumer financial protection bureau hopefully I can get some assistance and resolving this issue.
Product: Debt collection

The debt collector is out of state, beyond statute of limitations, is not the original creditor, and violated laws. Removed all false and misleading information immediately or face a class action lawsuit. No debt is owed and the amount is overstated and bogus. See attach
Product: Credit reporting, credit repair services, or other personal consumer reports

A property that was foreclosed in XX/XX/XXXX is being reported as open and past due through XX/XX/XXXX. The date discrepancy caused a new mortgage underwriting to interpret that the account is still open and in a past due status, instead of closed and a Foreclosed status. I contacted Wells Fargo many times to try to resolve this in a timely manner, before my new mortgage loan approval expired, however I was never allowed to speak to a dispute department. I was given different numbers to fax my dispute to, and could not get a confirmation that they received the fax I sent on XX/XX/XXXX. It has been more than a month and I have had no acknowledgment from the company. At this point, my mortgage loan approval has expired, I lost the house I wanted to purchase, and my credit score has dropped due to the hard inquiry for the mortgage - meaning now, whenever they do update my credit report to reflect the correct dates, I will be less likely to be approved due to now having a lower score. That would not have been an issue if Wells Fargo would have taken corrective steps in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the world emerges from this crisis Many, many consumers faces the prospect of missing payments as a unpredicted of income loss during the pandemic COVID-19. Capital One Credit did not offer or work with me to provide accomodations such as payment skip payments, lower monthly payments, lower interest rates, or credit protection. However weeks after on the web page it is stated that they are responding to consumers who are impacted by the crisis and to call the customer service. I called the customer service number and spoke to different ppl and explained how i was impacted and were told there were no accomodations being offered but told i was appreciated being a customer of capital one. Extremely disappointed and frustrated with negative impacts on my credit report. Capital One has failed and made violations of withholding notices, FCRA act, and the CARES Act.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 

The inaccuracies are highly injurious to my credit score ( Accounts are listed below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

on XX/XX/2021, I rented a XXXX  for one day at XXXX XXXX  rental of XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They ask for a {$2000.00} security deposit. I rented before at this store, so it was not problem. 
I returned the motorcycle without any issue and they told me that they will return my deposit in a few days. The deposit was never returned, I contact them by phone and they said that it was a problem with the credit card processor and I should initiate a dispute. I initiate the dispute and after 4 months, I was unable to get my deposit back. I contact the owner of the store by email and he said that there is no problem with the deposit, that I should get back my money. He insist that he problem is with the credit card processor " square ''. 
My bank " XXXX  '' ( XXXX ) said that they can't do anything. 
This is a nice legal way to steal money from tourist and consumers and credit cards operators are doing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house.

please see attached all the letters i sent to this company Thank you!
Product: Checking or savings account

Around XXXX I inherited a position at an organization. I was handed a stack of mail that said our BofA account was going to unclaimed property because the previous president of the organization was not responding to the bank to see if we still wanted out account. 

XX/XX/XXXX I met with XXXX XXXX at the XXXX XXXX. I visited a branch in person was told that I could not complete my transaction at the branch and that I needed to provide additional paperwork. She told me that she would forward me to XXXX XXXX who would be able to get my problem solved over the internet. ( It is important to note that I had everything that was required to move the other organizational accounts with XXXX XXXX  over to me. I have no idea why BofA was requiring extra steps. 

XX/XX/XXXX I get a packet from XXXX. I am told to go to a BofA and get my signature card notarized. I tried to make appointments at all of the branches close to me and could not get an appointment. There is no way to call and get an appointment and the online system says no appointments available in the next 2 months at any of the locations in the XXXX area. 

XXXX I walk into the XXXX XXXX XXXX. They tell me the only reason why no appointments are available is due to staffing issues, but XXXX XXXX will have a notary and make an appointment. I make the appointment, I put online to call me if there is no notary available, as I did not want to waste my time again. 

XXXX I go to XXXX XXXX at my appointed time. I get told to wait ... after about 10 minutes the business banker comes out to me and says that he knows he was supposed to call me.. but he didn't and they don't have a notary available. 

I just want access to my money. I am wondering how to get it! I do not believe that BofA has the ability to help me get access to my money. My time is very important to me. The least they could do is get a notary and schedule with me. The least they could have done is call me to let me know that they needed to reschedule my appointment.
Product: Credit reporting or other personal consumer reports

I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXXXXXX XXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXX account number # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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 reporting, credit repair services, or other personal consumer reports

The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number. 

Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

SEEING THESE HARD INQUIRIES ARE GIVING HARD STRESS, PLEASE HELP. 
PLEASE BLOCK AND REMOVE THESE FRAUDULENT HARD INQURIES FROM MY CREDIT REPORT
Product: Debt collection

I bought insurance for only one driver from the XXXX XXXX   but have found a cheaper price from another insurance company. 

I soon as I cancel my insurance, I was told that I still owe around {$300.00} because additional drivers were added to my policy without my knowledge or authorization. 

They have no right to add another licensed driver who doesnt live in my place. The point is, they have no right to list two drivers just because they thought they live in my house. 

After contacting the XXXX XXXX, I was told that their system shows that they might be additional people live on my place, they thought it was my uncle and grandfather so they needed to add them without my knowledge or permission, I told them that my grandfather and uncle never lived in my place. They have their own houses plus my grandpa doesnt even have a driver license he is too old and turned it in for state ID replacement. 

I was also told by the agent who sold me a policy that it was a mistake possibly based on information XXXX XXXX had from an old insurance policy which was under my grandpa and uncle name and I was an additional driver, but that policy was canceled and done a while ago. Also, the agent who sold me the policy has told me that I didnt owe anything, but recently I found out that they have reported the wrong information on my credit history. 

I have the right to have their dispute investigated. The XXXX XXXX company is dishonest insurance agents and fraud consumers by adding drivers without the owner of the policy authorization. For that, I needed to pay extra insurance payments. They have no right to put collection on my credit. The XXXX   XXXX  company was done was illegal activity for consumers.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( XXXX, XXXX and TransUnion ) XXXX XXXX XXXX was over XXXX points lower than the other XXXX, XXXX XXXX XXXX was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, TransUnion XXXX XXXX did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My XXXX XXXX on XX/XX/XXXX from XXXX was XXXX, XXXX XXXX and TransUnion XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.
Product: Consumer Loan

This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, to whom it may concern transunion is reporting unverifiable accounts on my credit report that's severely damaging my credit score and ability to seek new credit. I pointed out to them via letter that these accounts aren't mine and to please remove them. I sent my last letter back in XXXX and it's now XXXX and I haven't heard back from them yet. They clearly don't care about my issues and aren't taking me serious.