23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had previously submitted a complaint XXXX XXXX XXXX, but did not respond. I thought our new loan servicer ( Shellpoint ) was moving forward with our loan. They are not. I have called almost XXXX dozen times and have only received calls back in which they hang up on me when I answer. I have done EVERYTHING required to modify my home loan, repeatedly. Nothing ever comes of it. I have been stuck in limbo for years now. And because nothing is ever reported positively to the credit agencies, my credit is always ruined so that I never have any other recourse. I need help. These loan servicers are just kicking the can until homeowners give up. I will not.
Product: Checking or savings account

Back in XXXX my account was blocked by Chase for allegedly having fraudulent transactions. My account is a business account where I receive big deposits sometimes multiple times a week and I also write checks for payroll for my employees. Chase authorized the account to close even after I called Chase with the payment processing company on the phone with me to help verify any confusion of deposit from XXXX XXXX XXXX. After multiple attempts each week from the start of this issue I have not received any detail to settle the matter. Chase authorized a check for my funds to be released XX/XX/XXXX. It is now XX/XX/2024 and I am still being abused with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( XXXX ), I opened a XXXX XXXX XXXX credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from XXXX so I assumed the account was paid in full. 

From XX/XX/XXXX until XX/XX/XXXX I never received a bill or notification from XXXX to alert me that there was a balance due. They charged me late fees every month : {$28.00} XXXX XX/XX/XXXX ) and {$39.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX down to XXXX because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX2019 my escrow/taxes were increased and I did got recieve the notice due to being on XXXX, this caused the auto payment I had to be short. I made the additional payment to correct the issue 10 days later and was told that was all I had to do and the issue was fixed. The following month I recieved a call to call them, when I did I was told I was 30 days late on my payment. I have never been late on a payment and always pay on the XXXX for the next months bill. After calling the company I was told by the person that everything was correct and that they had applied the XX/XX/XXXX payments to principal instead of to my bill ; therefore, the payment I made in XX/XX/XXXX was applied to the now 30 day late XX/XX/XXXX bill. The teller took a note and sent it to the auditor and was told that the issue would be resolved on the XXXX of the month. On theXX/XX/XXXX I checked online and the issue was still not resolved and it had once again been posted to the previous month. I have now been calling every two weeks trying to straighten this out calling on the XXXX of every month when they tell me that everything posts and the following day that i realize nothing was done again. I have talked to 11 people from this company three of them being supervisors and they have still not corrected the issue. Every time i call the place the people read me the notes that were taken by the last person and automatically see the issue. The only thing good i can say about the company so far is since i have been calling them and it is there mistake they have not charged me any late fees. I just want the issue resolved and have given the company plenty of time and reminders to fix the issue and it has yet to be resolved. Below are all the dates that I have contacted the comany in regards to this issue. I am currently on hold with them in regards to this again as the last supervisor stated that it would be corrected and posted by last night and it still isnt fixed. It is ridiculous that as a professional coorparation I can call that many times and get told it will be fixed so many times and nothing changes. This is by far the worse comapny I have dealt with in regards to correcting an issue, every one of your staff admits its the companies fault when on the phone and can see what im talking about but customer service is powerless to help. There is no accountability to get it corrected. 

XX/XX/XXXX XX/XX/XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a XXXX  XXXX XXXX account they purchased back in XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with XXXX of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call XXXX XXXX  XXXX to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.
Product: Checking or savings account

Friday XX/XX/2021 While paying at XXXX XXXX denied payment Called number given on banner to inquire Was told that my account had been frozen because Chase has detected fraud and made the decision to no longer maintain a banking relationship. 

Was connected to another rep and was told that I needed to provide statements regarding for XXXX XXXX XXXX Info and payments. 

ca. XXXX Spoke to ( representative ) at XXXX Main Office in XXXX. We were given minimal info or clarification and told to submit printouts for all XXXX payments. 

Monday XX/XX/2021 Met with ( NAME ) at XXXX at main branch office to submit paperwork. A phone representative informed us that this info would be checked with the respective Unemployment Departments. When asked for access to savings accounts, was told that they are frozen and that is not your money, it is fraudulently deposited by ( representative ). 

Tuesday, XX/XX/2021 Called WI XXXX and spoke to fraud advisor ( NAME ) Was told no fraud activity apparent. Called IDES and likewise, no fraudulent activity detected. 

Wednesday, XX/XX/2021 Email and letter to ( NAME ), Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

First I disputed an auto loan history that I had 100 percent payments on time but bankruptcy wiped out the acct but I still paid on time and kept the car thru and after bankruptcy. They showed it paid off but now it is showing unknown status no pymt history and they even went back to the vehicle before and did the same with that and it had 100 percent on time history to and it showed up unknown. This is after I disputed it. In addition I disputed a new child support account that they added and the old one was still there and now showing 2 accts of the same. In addition they are showing no payments on either of them and they are not in collections anymore because the principal has been paid. And the interest I am paying still but I am dealing with child support because they pulled XXXX XXXX XXXX of principal more than te court judgement of which they charged me interest on. They are reviewing the acct but it's not even reported to the other two bureau 's anymore. This is equifax and vehicle dates begin in XXXX goes thru XXXX and the child support principal ended in XXXX XXXX with a XXXX judgement that child support has collected arrears of totaling XXXX and now collecting interest on. Any help please transunion is accurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX  OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXX LL OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX OPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions 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 my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX XXXX
Product: Debt collection

i have dispute with XXXX more then one time over few year i cant get them to take off JEFFERSON CAPITAL SYST this all say The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
but this thing i call the place that say i old more then 2 time told them I DIDN'T RECEIVED THEIR PHONE BUT TRY SAY I DID GET T HEM AND THAT I ACTIVATE THEM BUT U CAN SEE THAT I DIDN'T ON THEIR IN AND THAT IT SAY I ONLY ON THEM FOR ONE MONTH ON MY ACCOUNT THEY TRY GET ME PAY FOR ONLY FOR PHONE THAT I DID GET PLEASE I WANT THIS TAKE OFF MY REPORT NO ONE WELL HELP ME WITH IT I DON'T THING I SHOULD HAVE PAY FOR PHONE FROM XXXX XXXX WHEN THEY LIE SAY THAT I DID GET PHONE AND THAT I ACTIVATE THEM WHEN I DIDN'T THANK YOU HOPE U HELP
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

I paid off my mortgage with Mr. Cooper on XX/XX/XXXX. As of this date ( five months later ) XX/XX/XXXX I have not received my release of lien document. After several inquiring phone calls no one has been able to tell me anything definitive regarding when I will receive my release of lien document. I have also filed a legal complaint with Mr. Cooper Customer Relations Department in hopes that with an internal investigation this situation will be resolved. I have not heard back from this department either. Other than to tell me they have received my complaint on XX/XX/XXXX. 

The name of the Mortgage Company is : Mr. Cooper Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have called to inquire about the Release of Lien the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Although I have been treated courteously by the Reps that I have spoken to and communicated with not one has been able to resolve this issue. That is why I contacted my attorney and he suggested that I file a complaint. 

I am hoping this can/will help to resolve this frustrating unnecessary situation. 

Thank You
Product: Checking or savings account

I had my Hot water heater blow and my alarm companies water sensor failed. 

On XX/XX/XXXX XXXX XXXX deposited {$250.00} to my account. 

Ive spoke with XXXX XXXX and they supplied me with the deposit form showing Chime Bank Formally Stride NA bank received these funds. 

Ive spent countless hours with Chime to hear the same Page of the same book talking about escalating to a back office. 

I have been told for a week straight that this back office would be in touch. 

I provided Chime with the documents proving the money was transferred yet they claim they can not find it so I must continue to wait. 

I should be given a provisional credit in the amount of {$250.00} while the supposed back office finds my money. 

Additionally during the time of my deposit I received an email stating deposits were working again. 

Clearly they had a known issue, Chime bank has the proof needed to immediately credit my account yet they refuse to do so. 

This in my opinion amounts to theft, Inwant my deposit. 

Why should I the 3 year customer have to wait for them to find their error? 

Can not reach anybody not reading the book of the same stuff to say. 

The customer support provides no customer service and instead reads off a line that all complaints go to this back office. 

Ive requested the back office on numerous occasions and have not heard a word back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with Navy Federal Credit Union. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact navy federal and was offered no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Debt collection

I have been a victim of identity theft and have provided XXXX and XXXX with 2 separate police reports indicating credit card fraud and burglarized vehicle which my personal information ( social ) ( ID card ) was stolen and sold to person ( s ). In addition the second police report  indicates a person scanning my information somehow and duplicated credit cards. I submitted the police reports from XX/XX/XXXX and XX/XX/XXXX in writing and also fax to XXXX and uploaded to the XXXX   website. I also contacted the original creditor. My Nordstrom card I did open this account however there was over XXXX unauthorized charges and this account is reporting inaccurate and negative on my credit report. XXXX XXXX card I never opened and I also have sent them proof. I also disputed this last year in XXXX when I first found out of these accounts due to a person was caught with my ID and other IDs. I been dealing with identity theft since XXXX. Im asking for these accounts to be removed from my credit report. 

Nordstrom sent me statements to provide the the items that were theft however I sent a letter advised them to remove the item due to the inaccuracies reporting of this account that is hurting my credit profile.