23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get answers, explanations and resolution on my extremely TRID defiant home loan since I closed on XX/XX/2016. I did previously submit a complaint and XXXX XXXX, attorney for Chemical Bank responded to me via email, that although he knows NOTHING about TRID, RESPA/TILA or their rules that regulate mortgages, he believes the bank has done nothing wrong. 
I ca n't find anything right about my loan. There is nothing consistent about anything on either the LE or CD, along with their choosing to ignore forms they had me sign, from a Construction Loan Agreement for the construction rider, to an Affidavit of Occupancy which forced me to live in my home without basic items such as toilets, lights, sinks, faucets, cabinets, counters or a safe electrical system due to their refusal to disburse funds from my construction rider and although the XXXX claims to have dispersed the funds to them. Why would a buyer have to sign one to occupy in 60 days if this was a construction loan from the ground up??? 
Chemical Bank 's emails to me clearly indicate that they will do nothing to right this extremely WRONG situation without outside assistance. I have shown my closing docs to several title companies, lenders and Realtors with decades of experience who 've all said they 've never seen anything like it. Although the LE says I was to bring no money to close, the CD said I had to bring almost {$28000.00}. There is major inconsistency in the interest rates, purchase price, estimated payment vs bank statements, I received the CD the afternoon prior to closing at XXXX the next day. None of the docs show my XXXX % downpayment although the docs clearly state mine to be a conventional loan. I could keep going but am hoping and praying that the CFBP steps in for me just seeing what I 've attached and/or talking with Chemical Bank to personally hear that they are not willing to do anything to correct this. I 've asked them to cancel the " construction portion '' of my loan, which I showed them TRID allows me to do since they have not given me even a penny from it. They refused. I asked if they would convert the " construction loan '' to a " home equity loan '' because the " construction '' is basically complete, thus a " construction loan no longer needed. Again, I was denied. And again, I see the only way for Chemical Bank to comply to TRID regulations and my loan made to be even sane, is to have the CFBP step in. Thanks in advance for any and all help you can give.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX XXXX '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My mortgage co is Loancare. An FHA lender. I bought a home that was taxed at a much higher rate then the home is now worth. I have not missed a mortgage payment. My escrow for XX/XX/XXXX taxes totaled {$3300.00}. My taxes were actually {$1200.00}. I paid my taxes on XX/XX/XXXX. The lender is withholding over 2 months of escrow payments. They currently are holding {$2400.00}. They refuse to return my over payment. They informed me that a new analysis for taxes would be do by XX/XX/XXXX but nothing has been done. They have not communicated to me in any way. I have had to call them over and over for my refund and I have been lied to 5 times regarding my refund.
Product: Debt collection

XXXX XXXX I was notified by my landlord that a family member of my landlord was contacted by North American and badgered them if I resided at a property the family member owned and if they knew me. They ( the family member ) stated it was confidential and they kept asking her if she knew me and if I lived at XXXX of her family members properties. The landlord called me and notified me.
Product: Debt collection

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( National Credit Systems ) had put on my credit reports that I owed the XXXX XXXX XXXX {$6600.00}. As soon as I discovered this entry, I attempted to contact National Credit Systems, however my phone calls went unanswered, as did my emails. A certified, return-receipt letter was returned as refused. I have been unable to get information from them about this " supposed '' debt. 
The company that took over the XXXX XXXX XXXX, known as XXXX, attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by XXXX that the dispute of the information from National Credit Systems Inc had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from National Credit Systems Inc had been added back into my account, and dated as being reported on XX/XX/XXXX. 
National Credit Systems has never made any attempt to contact me.
Product: Credit reporting or other personal consumer reports

Ive identified billing errors on my credit report showing late payments inconsistent with my record. Kindly correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE
Product: Debt collection

My ex wife sent me the letter today XX/XX/2022 for a judgement filed by francy law firm. All payments and communication was always sent to my ex wife as she is the primary on this account. I was never called or emailed by this company letting me know that she was not making the payments on this account. They are now using legal tactics to threaten me to pay without any written, or verbal communication. I called the number listed on the form for francy law and left 2 messages today XX/XX/2022 and was sent to voicemail. No one has returned my calls. As I was never informed by this company in anyway I now have been threatened by them with legal action to sue. This falls under the threatening tactics law set to protect coustomers from these actions.
Product: Credit reporting or other personal consumer reports

I Have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. they are hurting my ability to obtain credit.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I have been a customer with formerly known as JP Morgan and currently Chase for over 20 years. Currently I have a business account, personal account, HELOC, and business line of credit with Chase, however, I am highly displeased with their fraudulent changes of late fees on an account with automatic payment as well as hidden annual fees and interest rates I was made unaware of. This business line of credit was taken out in XX/XX/2015 and have not missed one payment since then. My original loan amount was {$30000.00} and present day {$29000.00}. Despite my countless efforts to increase my minimum monthly payment to almost double of the requirement, there has been but a minimum decrease in the principal balance by about {$300.00} after 12 years of payment. I went to the branch to speak with someone about my concerns and unfortunately, the appointment was incorrectly set up by the staff with a representative that could not help me. Even though she did her best efforts to call someone that would have an idea the business line of credit products, the person that I was connected to was not yet in the office at XXXX XXXX  XXXX. The presentative stated they would follow up via email or phone call regarding the late charges on the account as soon as she would arrive to the office, yet I have not received either a phone call or email. I feel complete XXXX  against and very XXXX  at the fact that my late fees have not been addressed and more importantly, not having a solution as to how this account will continue to torment my finances since I barely found out this account has no term of maturity.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the two unauthorized account that you hold in my name Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a recent data breach that has resulted in fraudulent activity on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the fraudulent account listed below from my credit report : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an inquiry on my credit report from XXXX of XXXX, and after speaking with the bank they confirmed they did not access my credit profile because I had a security freeze on my profile at that time. I contacted Experian on XX/XX/XXXX at XXXX XXXX Arizona time, to inform them that this inquiry is incorrect and should not be on my credit profile. I spoke with a manager by the name of XXXX who stated they are refusing to file a dispute regardless of the fact that I did not give permission for this inquiry. I informed him that I would file a complaint and that they are violating my consumer rights and he stated he was aware of that and that I was free to proceed with the complaint.
Product: Debt collection

I have tried numerous times to have this removed from credit reports. Filed multiple identity theft cases. They remove it only to reinstate it from my credit reports. Credit bureau remove it but they refile it on my reports after I do weeks of work to get it removed. XXXX will not drop case for a cell phone service opened in XXXX XXXX when I live in XXXX It hurts my ability to borrow money and my interest rates. This causes me a financial hardship when we all have enough without Identity Theft. All my personal information was leaked by XXXX multiple times over last XXXX  years and its a pain. Every company except for XXXX clears up the issue with a phone call. The his should be a crime to affect people credit. They try to strong arm you into paying something that is not yours. They sell off the debt to some XXXX that proceed to cause you problems you dont need. I asked to see where they verified the identity of person or see signature on documents but they will provide nothing account documents nothing but want me to provide them information. I did it was to prove they made a mistake and it was identity theft. They used my information to update their files. So I will not provide them anymore. They did not have anything but my name and address correct in the beginning. So trying to do right I provided date of birth which they had wrong phone number which they had wrong. Only to give them the ability to harass me more. They can XXXX it. I will never pay for someone elses crime. XXXX XXXX even provide cell coverage where I live. You have to have XXXX. This just sucks XXXX tired of this. Here is account number they provided XXXX
Product: Debt collection

I sent MACYS/XXXX multiple certified and notarized dispute letter with no response. MACYS/XXXX has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. MACYS/DSNB has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. MACYS/XXXX has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.
Product: Student loan

I have several problems with Navient in handling my student loans. 
1. My original loan amount was {$4400.00}. It is now up to {$76000.00} due to the company encouraging me to apply for a forbearance or " hardship '' deferment. 
2. I have made several payments ( via different methods i.e. online, over the phone, mail ) and they have either applied the wrong amount to my loans, or given me to wrong amount to pay, or charged a late fee for a payment that was not late. 
3. I was not told that I need to renew the Income Based Repayment Plan I was on and therefore my payment was changed and then charged as late. 
4. I am supposedly reported to pay {$500.00} a month. Only {$100.00} of that goes to principle and the remain {$400.00} goes to interest. 
5. When I have been late on a payment they have called my parents, cousins, and even ex-husband asking for them to make a payment. They have called exactly 21 times in one day ; oftenn one call right after another. They call as early as XXXX on Saturday and Sunday mornings and then as late as XXXX every night of the week. 
It seems like the more I try to pay and stay on top of my financial obligations with them the more they charge me or effect my credit.
Product: Money transfer, virtual currency, or money service

I got a cash app card sent to me in the mail. It has my name, CVV number, 16 digit account number and expiration date. 

I did not ask for or apply for this card. 

Cash app is a subsidiary of Square. There is literally no way to reach anyone at Square unless you are an account holder, which I am not.

My report is in regard to the card, but also that Square has no way to contact a human. I can not even email them. How can they be in business as a financial institution with no way to communicate with them in cases like this? 

Square should be required to have a hotline or clearly labeled email for fraud support OR BE SHUT DOWN.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN GOODS USING MY IDENTITY, HERE ARE OVER 12 FRAUDULENT ADDRESSES THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT. I HAVE CALLED EXPERIAN FRUAD DEPT MANY TIMES AND EXPRESSED MY ISSUIE WITH THEM BUT THEY HAVE REFUSED TO REMOVE THE ADDRESSES OFF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This account is showing as open with a XXXX dollar past due despite them being paid out in full by nationwide in XXXX XXXX XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SETTLED THIS XXXX ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH EXPERIAN AND XXXX DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME XXXX  SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH XXXX THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.
Product: Credit card or prepaid card

I tried to withdraw {$500.00} from an Atm and the atm did not disburse the money but withdrew it from my balance. Bank of america said its going to take 90 days to investigate. This was their ATM issue they have cameras.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacted by accompany called XXXX here is their website XXXX XXXX XXXX they told that they can fix my credit card interest and fix my credit credit also pay off all my credit cards balance. they sent me link to sign up with their services and got all my personal information bank logins and password, credit card logins. and in about 1 month I did not see no chance expect the closing of most of my accounts and debt my credit score is messed up because they stole my identity.