23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a car loan financed through XXXX XXXXXXXX XXXX for est {$18000.00}. Financed for 72 months. The finance company says that I still owe 6 years later {$18000.00}. They have not shown any proof and never send monthly statements showing my payments. In addition, they indicated {$18000.00} still owing on my credit report. They also never reported payments to the credit bureau XXXX and XXXX. As indicated you cant go 2 years without making a car payment without it being repossessed. I have called and they still will not explain my balance or itemization of payments made in the last 6 years.
Product: Money transfer, virtual currency, or money service

I Bank with XXXX and I was enrolled with zelle for my XXXX accounts using my phone number. After I was informed that XXXX was no longer offering zelle to XXXX customers who enrolled after a certain date, which made the service unavailable to me. Therefore I requested that my phone number be unenrolled from XXXX 's zelle payment system. XXXX informed my that my phone number was unenrolled from their system and should work at another financial institution. I attempted a number of times to enroll using my phone number with my other Bank and the Zelle app but was told it could not be done and that I needed to contact XXXX Bank. I contacted zelle and XXXX Bank customer service at several times each to try to resolve the issue. On my last contact with zelle customer service I was informed for the first time that my phone number had been placed on some kind of " restricted list '' for unspecified " violation of the zelle service agreement '' that prevents my number being used at any other financial institution. I was also told that XXXX was the only one that could have my number removed from this list as " they are in full control of this zelle feature in their app ''. I again contacted XXXX Bank and spoke to a customer service representative and a supervisor and was told that somehow in the process of being unenrolled my number was placed on this restricted list. The supervisor then informed me that they have no ability to remove me from this restricted list and they could not help me. I have attempted to conference call between zelle and XXXX customer service to resolve the issue. Unfortunately zelle customer service so far has been unhelpful and will not cooperate in trying to resolve the issue with XXXX so my phone number can be unrestricted for use with the zelle app or other banks.
Product: Mortgage

I was not approved for two loan modification requests. Chase would not accept the income from my tenants who payed me in cash, even though the tenants agreed to sign a notarized statement confirming the payments they made. 
CHASE also said I was not on the loan documentation, but I did sign the original loan documents ( not the line of credit ) and therefore I was not eligible for Modification help. 
Due to being ineligible for help, I listed my house for sale and sent CHASE the agreement to purchase and escrow papers on XX/XX/2018. I kept in touch with CHASE Representative, XXXX XXXX and informed her of the sale progress. 
XX/XX/2018- I receive a call from CHASE represantaive XXXX XXXX informing me CHASE is still researching my request for waived late fees on my loan due to their delays in processing the modification request. We discuss, as we had in past calls, that the house is in escrow, scheduled to close XX/XX/2018. 
XX/XX/3018- I receive a letter from CHASE thanking me for my request for a short sale. I NEVER requested an application or information pertaining to a short sale! I have equity in my house and would not qualify for a short sale! 
XX/XX/2018- I receive a second letter from CHASE stating they have filed a foreclosure and I owe them filing and attorney fees!!!! 
I have equity in my house, enough to cover my missed payments and they are starting a foreclosure on a house in escrow scheduled to close XX/XX/2018! 
I have borrowed money to do costly repairs to my house to assure escrow closes. I have removed asbestos, done septic inspection and pumping, scheduled termite repair and tentin/ fumigation. My tenants have moved, with the exception of two. 
I have started packing my belongings! Now CHASE is starting a foreclosure!!! I informed them of the sale and sent them the documentation! This is a blatant attempt to steal the equity in my home by charging attorney fees and a deceitful attempt to disrupt the sale of my home! 
Please stop these venomous acts towards a single Grandmother who has struggled and fought to stay in her house and once I was denied did everything in her power to sell the house and meet all the requirements to close the escrow in a timely manner. Do not let CHASE destroy the escrow process by foreclosing on a house in escrow!
Product: Checking or savings account

On XXXX XXXX I opened a dispute with chime bank and provided them with as much evidence on me being scammed out of my money by this merchant XXXX XXXX  for {$3000.00}. On XXXX XXXX Chime denied and closed my claim saying that they spoke with the merchant and the merchant told them I didnt make the payment on the vehicle so they repoed my vehicle, which is false. I made the initial payment of {$3000.00} on XXXX XXXX with my chime XXXX XXXX. Chime still denied my claim after they see the payment was made in that day. I tried to reopen my claim with chime on XXXX XXXX and they still denied my claim once again. Chime told me there was nothing they could do and that I will not receive my money back because Of what the merchant said. Ive been a customer with chime almost a year now, never had a problem out of them but this is very frustrating knowing my bank chose the merchant over their costumer being that I provided all the evidence I had even a police report that they asked for. Here it is XXXX XXXX and Im at a lost of {$3000.00} and a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Experian Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies marked out in red ink attached. 

Accounts : Account name : XXXX XXXX XXXX. XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX. XXXX, XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will may take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX. 
Account # XXXX Closed Account. 

In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Debt collection

The Company has purchased a fraudulent account from XXXX XXXX XXXX with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and removed.
Product: Debt collection

Date : XX/XX/2020 Amount : {$1500.00} Sent two disputes and they have been negligent in not specifically responding to what I am asking for specifically.
Product: Student loan

I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. 
This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. 
This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. 
To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. 
And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Product: Mortgage

I have attempted to pay off my mortgage since the beginning of XXXX. I have been working with the loss draft/property claims center due to my house being burned down in XXXX of 2021. I sent the remaining insurance checks, endorsed, to property claims on XX/XX/XXXX, which were XX/XX/XXXX, and acknowledged XX/XX/XXXX. The check was processed/deposited XX/XX/XXXX. I submitted a letter of intent to use the funds in the escrow account to pay off the mortgage. At the time the checks were processed, there was just over $ XXXX in the restricted escrow account, and my mortgage balance was approximately $ XXXX. 

I have continuously called into loss draft and customer service with no answers. I was advised the payoff was scheduled to occur XX/XX/XXXX. That did not happen. XX/XX/XXXX, I was told I actually needed a payoff statement ( which when I previously asked was told I did NOT and my letter of intent was enough to allocate the funds appropriately ). They generated the payoff statement with a payoff date of XX/XX/XXXX, the agents told me XX/XX/XXXX the payoff would be completed. On this day, XX/XX/XXXX, I also submitted a demand letter requesting my mortgage be paid off immediately. They not only did not acknowledge my letter, but that did not happen. XX/XX/XXXX I was told the date had moved to XX/XX/XXXX for no reason in the notes. Yesterday, XX/XX/XXXX, I called in and spoke to various agents again, this time with my realtor as a witness. 

My realtor and I were advised everything was in that was needed and for sure my loan would be reflected as paid off by midnight XX/XX/XXXX. Today is XX/XX/XXXX and my loan still does not show as paid off. I show I have payments due. The treatment by your company has been deplorable! I already lost my entire home in XXXX of 2021, and now I am being victimized and held hostage by your firm! I keep calling in and speaking with agents, supervisors, different departments, and anyone else who will listen, but my complaints have fallen on deaf ears. My demand letter has not been acknowledged, and the errors by your company have not been corrected. I have tried to be understanding, but at this time I am losing patience. I can not move forward with new housing until this loan is paid off. 

I am seeking help to resolve this in an expeditious manner.
Product: Mortgage

My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is all a farce ... You have to pay to obtain the actual score ... I could not even access one of the major three credit reporting agencies because I did not know what address or telephone number they had on their file. Meanwhile these credit reporting companies expect you to correct their information. One did not even have my correct birth year - they had me being 20 years older - and then they expect me to provide documentation to prove my corrections. 

My credit score went down 40 points in the past 2 months ... because I have no debt. We are in the middle of a pandemic ... people are unemployed and can not pay their rent ... and I made the conscious decision to pay off all of my debts and live within my means and the credit rating agencies penalize me. 

And what does CFPB do ... nothing ... This government agency is as much a fraud as everything else. No wonder fewer and fewer people trust the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I received a call regarding supposed late payments on a XXXX XXXX issued by my Umpqua Bank  ending in XXXX. I have an excellent history with this bank. It was discovered that all statements on this account were being sent to the wrong address for the first 3 months I owned the card, and late payments were falsely reported to the credit bureaus.I was told by the agent at the phone number on the card ( XXXX ) That ELAN manages the account for Umpqua, and that due to the wrong contact information there was definitely enough evidence for me to file a dispute. All late fees were immediately removed by that agent and I paid the entire entire balance of {$310.00} that day. This same agent helped me write a letter to their Dispute Department and gave me the fax number to send it to. I was told that if I wrote this letter explaining what happened to the XXXX XXXX department that the false reporting would be removed from all credit bureaus within XXXX weeks, and I would be notified via email. 
I wrote that letter ( attached ) and faxed it on XX/XX/2023 to this fax number : XXXX. While applying for a personal loan last month, these lates showed up on all three major credit reports. I called ELAN to find out why they had not notified the credit companies and they said that there was no record of ever receiving my first letter and that nothing had been done. 

I immediately wrote a second letter ( see attached ) that said URGENT, and explained all over again what needed to be done. I faxed it to the same fax number as the first one asking for verification that they received it and got no response. They have no direct line to call. One week after sending the second fax I called ELAN back and they confirmed that the account was now in dispute status. I have zero confidence that they will resolve this in a timely manner so I am filing a complaint here.
Product: Credit card or prepaid card

Every month I receive a text message and email alert when a credit card payment is due. These consistently have the wrong payment amount due.