23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage foreclosure/ Trustee Sale on XXXX XXXX, XXXX already faxed in the loan re-modification form to Chase. So far, there is no answer yet. In the mean time, we might precede selling our house or applying for Reverse Mortgage Program, or filing bankruptcy. Your prompt attention to help us postpone the sale date would be appreciated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXXChase XXXX. XXXX XXXX XXXX, OH XXXX : Chase Bank Mortgage Account # XXXX paid {$670.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX for above referred mortgage account monthly payment ; {$670.00} for XXXX and {$2500.00} for XX/XX/XXXX. But Chase Bank only credited {$2500.00} to our account and did not credit the other {$670.00} XXXX. It was cheating and violated the consumer law. A copy of payment record is attached. 
Chase Bank setup escrow account to pay for house insurance and property tax. The attached XXXX monthly mortgage payment notice indicates that Chase post {$1300.00} as our property tax payment. Actually, Chase Bank only paid {$410.00} on XX/XX/XXXX for the house insurance but not for property tax. Instead, we paid the property tax {$2300.00}. Fraudulently, Chase posted and charged us {$1100.00} and {$550.00} as current and next escrow account payment. It 's a fraud scheme. Chase Bank Mortgage Corporation violated the consumer law by unilateral manipulated and modified home mortgage policy without notify and having agreement from the customer. 
Unless you correct your mistakes and reimburse our loss within ten days ; otherwise, we would complaint to proper authorities. 
Truly, XXXX XXXX Attached : - Chase Bank Mortgage Corp. account monthly statement. - Recent Mortgage On line payment records. - Property Tax {$2300.00} Paid on line confirmation
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCT # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX - The debt collector has failed to provide me with an original contract for the accounts listed above. Account summaries & bill statements are not verifiable documents 1692 ( a ) ( 2 ) Page 97-99, The alleged original contract between the creditor & debt buyer does not specify what accounts theyre transferring ownership of.

Page 100, Declaration of Account Transfer In the lieu of this transfer I was not notified of the debt being transferred from XXXX XXXX XXXX funding nor did I sign any contract agreement giving them the right to. If I did they need to send proof of an original contract with all parties signature including mine to verify. 
XXXX ( b ) As for XXXX XXXX  ACCT # XXXX AMOUNT {$18000.00} This account has several inaccuracies, from the ending balance to the reporting balance, payments & its open account status. Not only that XXXX XXXX has yet to provide me with an original contract signed by all parties including me proving they have the right to collect on this alleged debt. 

Under USC 15 code 1692g ( b ) I demand XXXX funding send me proof of the alleged debt to these accounts. I am requesting the Original Purchase Agreement signed by all parties including me, Original contract establishing account with creditor proving the account belongs to me, documents must be signed to be verified.The Original Terms & Conditions of each alleged debt, and the date of the first delinquency with original creditor. Account summaries, bill statements & inconsistent documentation is not verifiable. 

XXXX XXXX has 10 days to respond to this complaint, not Resurgent, they are not the owners of the alleged debt. According to page XXXX the debt was transferred to XXXX XXXX from XXXX Acquisitions. XXXX XXXX needs to provide me with the original contract with all parties signature including mine, giving them the right to collect on this alleged debt. XXXX XXXX also needs to contact the original creditor to specify what accounts were sold for ownership, the bill of sale on page XXXX, doesnt specify what accounts are for sale nor do they specify the ones that are being sold. Furthermore XXXX XXXX must provide me with an original contract with all parties signature including mine for each account not just XXXX. If unable to verify this is a direct violation of the FCRA & all of these accounts need to be removed from my credit report.
Product: Student loan

I am XXXX ill and sick with XXXX and XXXX. I have had fraud, ID theft, and forged documents in my name appearing before. I was able to handle it. However, currently a company called NAVIENT is claiming I took out a loan with them, consolidated it, and even made cash payments. This entire thing is a fraud and they have a forged signature. I need help resolving the issue. I will attach a statement I typed up so that you can clearly understand my circumstances and what has happened regarding NAVIENT.
Product: Student loan

I have been paying my loan every single month since XXXX. I pay the amount dictated by the terms of my SAVE plan ( {$33.00} ). However, the balance has never once gone down, and the interest continues to accrue steeply. The interest has swelled over {$1000.00} despite my never missing payments and this month it capitalized making my balance grow even higher despite making all payments. 

I was able to get a representative for Mohela on the phone several months ago. After a nearly 2 hour conversation ( where I was mostly left on hold ), the representative said that she wasn't sure why this was happening, even after consulting with supervisors. The phone call ended up being disconnected on their end and they did not call me back or ever respond to my email about this issue. Taking 2 hours to talk with Mohela in the middle of the workday is completely unreasonable. Especially when it ends up being deflected through numerous holds and being hung up on without any resolution of follow-up. I have also sent them written messages to which they have never responded. 

I'm unbelievably frustrated. I am holding up my end of the bargain, but they continue to be negligent and uninterested in helping the people they are servicing. It's like they hope I'll just give up on resolving this if they put me off for long enough. These are not ethical business practices. 

Any help you can provide would be greatly appreciated. I have screenshots of all of my monthly payments as well as the month-to-month loan overview. 

Please let me know if I can provide any more info.
Product: Checking or savings account

On XX/XX/XXXX of XXXX  there were 4 unauthorized transactions on my chime debit card and checking account I didn't recognize. 2 ATM withdrawals 1 in the amount of {$200.00} and another of {$200.00}. Also {$58.00} and {$10.00} totaling the amounts of {$580.00}.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a XXXX XXXX XXXX XXXX sold this account to this debt collector. I have asked on different occasions for XXXX to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lift a security freeze on my credit report online, which I have done with Experian several times. I was unable to do that successfully today, after trying multiple times. 
Since I am applying for a home mortgage loan with XXXX, the time line is critical. I called their security freeze line and typed in my information. They advised I had to write in with proof of address change, identity, etc. This is a severe inconvenience. I had no problem doing this with XXXX and XXXX. They need to update their systems or get out of the business. I have had problems with them previously when applying for home loans, as they don't update their information and there is no one to talk to who can resolve the situation.
Product: Vehicle loan or lease

I purchased a car from a dealership and consumer portfolios as the loan company that had given me my loan in XXXX. ( Cps ) my loan amount was XXXX and in state of tn the highest interest rate that can be applied by a bank or loan company is 18 % it is XXXX the end of my 5 year loan and so I went onto their site to look at my loan to see the pay off. It is XXXX. So I call them to tell them there is a mistake being made, per the payments that they have listed on my account that has been paid to them I have paid a total of XXXX. So there is no way I can owe XXXX. They said my interest rate is 21 % ( not legal ) but even if thats the case I have still paid the loan off. They said no becsuee 10 payments were pushed to the back and still with that I have still paid the loan off. Even if they applied a late fee every month for 5 years it would be paid off. They said I still owe the XXXX. I do not not. They said per their site that out of the XXXX I have paid only XXXX has been applied to the loan which is saying I am paying XXXX in interest. Thats 100 % interest ....
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF ARBITRATION. 
I previously requested Experian to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Experian had 4 days from the date of receipt of my notice to act. They did not. 
Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Experian continues to violate my rights by reporting information that should not be on my consumer report. 
Therefore, I am DEMANDING that Experian block and delete the identified accounts within 4 days of receipt of this notice : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am giving Experian a last chance to adequately fix the issue before I proceed to arbitration.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2022 about inaccuracies on my credit report. It is XX/XX/2022 and I have not heard back from them. They have not conducted an investigation and they have not sent any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 or other personal consumer reports

I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with XXXX. XXXX is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for bank of america and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is not mine these inquires are fraud and need ti be removed
Product: Checking or savings account

I HAD A CHASE BANING ACCOUNT WITH COVID AND SLOW BUSINESS I WAS UNABLE TO MAINTAIN THE ACCOUNT. THEY OVER CHARGE ME WITH FEES AND HELP CHECKS UP FOR WEEKS. LIKE TO HAVE ALL THESE CHARGES CLEAR AND REPORT TO POSITIVE ACCOUNT.
Product: Money transfer, virtual currency, or money service

I have been subject of theft and financial crimes. My account was with the firm called Coinbase, Due to no help form coinbase I hired qualified Private investigator which found the suspect, I have even informed coinbase and asked them to help me with reporting to law enforcement which they do not, Please note that the private investigator mentioned to Me that aside from my coins, the suspect had approximately {>= $1,000,000} worth stolen crypto coins in his account as of XXXX, 2020. Using todays valuations, this translates into over {>= $1,000,000}. 
I have exhausted all procedures made available to me by coinbase, all computer-generated responses to request the un-freezing of my account. Companys responses have been disappointing and unprofessional, to say the least. Furthermore, your lack of timely attention for assisting me to unfreeze and gain access to his account is on the level of obstructing justice, as it is preventing me from cooperating and providing information to law enforcement, It is also preventing him from meeting his tax compliance responsibilities. We further believe that the manner in which Coinbase handles such issues is conducive, advantageous, and beneficial to the thieves who are hacking accounts held by you in their exchange. Through these events, we have come to realize that your policies and terms of services are unfair and unconscionable business practices. They are unilaterally self serving, and have placed me and other account holders, in a similar situation, at risk of being defraud ed. We b elieve this constitutes a breach of agreements and fiduciary duties on your part.
Product: Credit reporting or other personal consumer reports

I was terminated from XXXX on XX/XX/2024. The morning of XX/XX/2024 I received an alert that y credit was ran. When I checked the credit bureaus it showed that my previous employer used my confidential information to submit a credit app. They did this to cause malice against me. This was an attempt to get my physical address. I was attacked at my job by an angry salesman on XX/XX/2024. They also did this so that it caused harm to my credit profile. 
I did not give them permission nor did I submit a credit application. XXXX XXXX literally entered my information into their system to harass me violating my rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX CARD Account number : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Mortgage

Service of my Mortgage was recently transferred from XXXX to Freedom Mortgage. The subject of my complaint began with XXXX, but Freedom Mortgage has refused to assist me. 


In brief, I repeatedly encountered errors attempting to make my mortgage payments in late XXXX through the first half of XXXX. XXXX never alerted me to these issues I only found out when I got a letter in the mail saying I hadnt paid them ( including them charging me late fees ), or by happenstance the next time I logged in to their web portal. I diligently and regularly made my monthly payments, and I even made attempts to re-issue payments when I found there had been an issue. All the while, I repeatedly called and emailed XXXX customer support asking for a solution. I was told time after time that things were being worked on, that this was a known error, and that I was one of many customers experiencing the same issue. Regardless of those assurances, the issues persisted month after month.

Prior to service of my mortgage being transferred to Freedom, there were two long outstanding issues that XXXX never rectified : 1 ) While XXXX records alleged return payments, my bank does not agree. There were multiple times in XXXX when XXXX said they had only received *1* payment from me due to the aforementioned payment system issues, but *2* or even *3* payments had left my bank balance as I repeatedly tried to successfully make my payment. To this day, my bank account reflects many payments to XXXX they claim to have never received. 
2 ) Despite XXXX repeatedly acknowledging the error causing the misapplied payment error was known and on their end, I was repeatedly assessed late fees and return check fees. At first, I assumed that I must have made an error and paid some of those fees ; however, I quit doing so after XXXX advised it was a known issue, and when they kept promising me they were working on fixing things.

After my mortgage was transferred to Freedom, upon logging in for the first time I immediately noticed that the erroneous fees were still charged against my account. I called Freedoms customer help line, and they told me they should be able to remove the fees if I sent them numerous documents detailing the issues with XXXX. I did so via their web portal promptly after, including a lengthy write up describing the issues and my previous effort to remedy the problem with XXXX. 

In their first reply, Freedom sent me a copy of XXXX payment ledger, which reflected the same info I had sent to them regarding the erroneous charges. They told me that they would not waive the fees due to that ledger. I responded that this did not make sense, as the info they had sent me supported my account of the past payment issues and errors on XXXX end. 

In their second response, Freedom told me that they could not waive the fees since they were assessed by a prior servicer. In response, I asked for Freedom to tell me why specifically they are unable to waive fees that *they* are asking I pay *to them*. Freedom has yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

it was reported I had a late payment on XXXXFortivaMC account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has requested deletion of an unconfirmed balance from the main credit bureaus as they stated they would on XX/XX/19. However, Transunion will not acknowledge receipt of the request and would like for me to file yet another dispute which was done originally on XX/XX/XXXX. The {$500.00} with XXXX for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) should be removed from my credit report.
Product: Credit card or prepaid card

Netspend issued a credit card to my XXXX XXXX XXXX son. When i called them they stated that they were just marketing and that is why the card was sent. They stated that his information was pulled via his public records. I told them that he is XXXX XXXX XXXX, he does not have public records.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$770.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX# XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXXXX/XX/XXXX -- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

XXXX just put a hard inquiry on my TransUnion credit report when I applied for the credit card it was for a business credit card I also gave them my XXXX number I had no intentions for them using my real social security number as a way of seeing how my credit is when I use my XXXX number for my business which has its own identity and credit line can you please have them remove this from my hard inquiries