23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is my second complaint, as Chase is no longer responding. 
I cancelled my credit card on XXXX XXXX by phone and authorized the representative to debit my checking account with my bank to pay off the balance to close the account. I have a confirmation number from XXXX XXXX, XXXX. 

Chase made payments to the debit of my credit card account on that same day, without my knowledge. 
Late XXXX, I received a letter from Chase claiming that I owed them those payments, interest and late fees, even though I had no longer been receiving bills from them. 
I do n't work at Chase, neither do I know their internal processes, nor is it my business. To my knowledge and reasonable assumption, Chase and I were no longer bound in any way when the representative confirmed that the account was closed with my call and payment. 
At first, Chase recognized the fact that I did indeed make the payment when I had called to cancel the card and close the account. 
Their letter dated XXXX XXXX, XXXX, now claims that there was a balance pending and that the account was still active, even though I have a confirmation number to prove the contrary. 
I had accepted the card when making a purchase on Amazon in XXXX, around XXXX. The card was supposed to be free of any fees. However, I was charged a fee for using the card for that purchase. I made another purchase in XXXX XXXX and was charged a fee for that also. 
If for some internal reason there is a delay in the process, as a client, I have no knowledge of it, and was not informed of any such delay. It was confirmed to me over the phone that the account was closed and therefore inactive, and that my payment cancelled all debt towards them. 

My original objection was focused on those fees and interest. I was willing to pay the principle, but they rigidly refused and the situation has been in dispute ever since. 
I made them another offer to pay the principle in XXXX XXXX, which they also refused, unwilling to negotiate a reasonable outcome. 
As a client, I can not be expected to know the internal functioning of any bank, value dates etc, less so when it confirms that we are no longer bound. 
I hereby request from Chase a detailed account statement of all transactions from the first purchase which was concluded on XXXX in XXXX. And also, a justification for the fees charged for the purchases made with the card. 
As they have put a claim on me, it is legitimate for me to request the details that substantiate the claim. 
I have shown good faith and goodwill. I have made two offers that Chase chose to turn down. It claims no responsibility whatsoever, even though they did not send me bills in due time, once again due to internal processes within their credit card department, for which I can not be held responsible. 
I hereby offer once more to settle the principle and request from Chase details of transactions and fees.
Product: Mortgage

New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.
Product: Credit card or prepaid card

I can't Nordstrom to let them know due to the pandemic covid 19 I might be late on some payments they told me they wouldn't be reporting late payments and I still got late payments I called them back and told me to call the credit bureau to take them off for me
Product: Mortgage

I have reported this company twice already. They refuse or are unable to update my tax documents that I need to file THIS YEARS taxes. It is urgent at this point. I have provided all the required information to prove that their outstanding mortgage principal on 2021 IRS Substitute Form 1098 is incorrect based on their own system 's information. It is amazing that this issue has not been fixed and getting in touch with customer service has gotten me nowhere. We are nearing the end of tax season.
Product: Debt collection

I have never lived aXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called in for a tour and when I arrived they told me no one from their office spoke with me. Months later I noticed collection letters coming. More than XXXX collection agency had the account and I continually dispute it. This year I contacted the debt collector.I filed the identity theft and send them the form as requested because this is not my debt. I called the number on XXXX again and they just hang up on me when I mention it's fraud. No forms have been provided of the debt and none will because I never signed a lease to even live there. The collection agency is aware that this is fraud and still will not remove it.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 XX/XX/2023 Lvnv funding
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

XX/XX/XXXX : XXXX {$110.00} XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX {$97.00} XX/XX/XXXX XXXX XXXX XXXX {$11.00} XX/XX/XXXX : XXXX {$93.00} XX/XX/XXXX : XXXX {$15.00} XX/XX/XXXX : XXXX XXXX {$8.00} XX/XX/XXXX : I was contact by text message from Capital One regarding fraud, I logged onto my online account and found all above fraud. 
XX/XX/XXXX : Filed fraud report with Capital One, and verified I did have my card in my possession. 
XX/XX/XXXX : Capital One closed the card and said they were shipping a new one, I cut up the card I had in my possession. 
XX/XX/XXXX : Received letter of denial stating either me or someone I know is benefiting from the fraud. 
XX/XX/XXXX : Contact Capital One and was told that the decision was final, and the Fraud reps name was XXXX and she was located in the XXXX and was unable to provide me with a Manager. 
XX/XX/XXXX : Police Report Filed
Product: Credit reporting or other personal consumer reports

Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from synchrony were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX
Product: Mortgage

Obtained mortgage from XXXX XXXX XXXX on XX/XX/XXXX at XXXX ARM at 4 % for a monthly mortgage payment of {$4300.00} inclusive of principal, interest. escrow ( property tax, PMI, home insurance ). Mortgage was sold to XXXX in XXXX. In XX/XX/XXXX received letter that from XXXX XXXX monthly payment will be {$5100.00} an increase of {$830.00} due to escrow shortage. Did not get clear reason of escrow shortage from mortgage company for 3 months. ( ARM always remains fixed ) Mortgage was sold to Freedom Mortgage from XX/XX/XXXX. They after few calls, in XX/XX/XXXX said previous company sent me an escrow surplus check in XX/XX/XXXX of {$6900.00} which I never received. The previous company then did escrow analysis afterwards and determined escrow shortage and increased mortgage payment from XXXX  XXXX. They did surplus calculation first and then did escrow storage determination. This increased our mortgage payment by {$830.00}. 
Requested check of {$6900.00} from previous company took 1 month to reach on XX/XX/XXXX. Freedom Mortgage on XX/XX/XXXX agreed to do a fresh escrow analysis and report back in a week. We called on XX/XX/XXXX and then they denied to do escrow analysis. Rather they asked us to continue to pay the increased mortgage payment as well as the escrow deficit ( approx. total of {$8200.00} ) and that they will do escrow analysis in XX/XX/XXXX. It was very unjustified that they demand for us to pay more monthly for complications in escrow calculations due to no fault of ours. 
Incidentally, we continue to keep paying {$4300.00} as we have come to determine that our property taxes did not increase, and all other escrow payments are constant. As per ARM we have never seen mortgage monthly payments increase during the ARM period. They are giving all kinds of reasons to not do justified mortgage escrow analysis and we are being harassed for the past 6 months. It seems they want us to get penalized by forcing us to pay higher monthly payments due to escrow complications, not created by us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX {$440.00} {$790.00} Agency of Credit Control XXXX XXXX. 
XXXX {$1500.00} I never received a bill from XXXX or a phone call verifying my address. I never received an estimate on procedure before I had it done. They turned it over to XXXX and now it's on my credit report. I am willing to pay original amount to XXXX if they absolve my credit report. I am not going to pay for late fees or interest because I had no knowledge of these bills. I have disputed the accounts twice with no results. XXXX was unwilling to work with me on these accounts.
Product: Mortgage

I apply for a Mortgage Loan, I received Underwriting approval with 3 % down payment on a conventional loan. All of the sudden the bank ( Franklin American ) told me I will need XXXX % down payment. They know I ca n't come out with that money because they have my bank statement. 

I am sure they did not like my loan maybe because of the area i 'm buying my house ( the dont want to lend money on that area ) my income or because the seller lost his house in Federal Court. Or maybe because I am pregnant and somehow they find out that. The Bank ( Franklin American ) allegedly found out the seller had criminal charges that ' why He/She lost the house through court process but what does it has to do with me? Seller/Reciever cancel the deal and I lost my deposit, appraisal fee, re-inspection fee, and I paid for some repairs the bank requested. I have suffered emotionally, financially and physically due to the amount of stress the loan process gave me.
Product: Debt collection

I sent a certified letter to Ad Astra on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, Ad Astra did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausEquifax, XXXX, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Despite my efforts to correct these errors directly with the credit bureaus, they persist in reporting incorrect variations of my name, addresses where I have never resided, and outdated or inaccurate employment details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and up-to-date information. The continual failure to rectify these errors suggests a lack of proper investigation and due diligence on the part of the credit bureaus. 

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

I dispute these Items  US  BKPT CT NJ  XXXX  FILE DATE  XXXX  Account :  XXXX  AMOUNT  XXXX  must be remove  XXXX   XXXX . Account :  XXXX  Date  XXXX    Amount  {$500.00} must remove  XXXX . Account :  XXXX  Amount $  XXXX  I was never later DATE  XXXX   XXXX   XXXX  must be remove  XXXX   XXXX   XXXX  Account  XXXX  Date  XXXX  Amount {$1800.00}  XXXX    XXXX     XXXX  Date  XXXX  Amount {$1100.00}  XXXX  ACCOUNT  XXXX    XXXX   : ACCOUNT :  XXXX  Date  XXXX  Amount  XXXX    XXXX    : Account  XXXX  Date  XXXX  Amount  XXXX  previously with  XXXX . Equifax did not compile with the State Attorney General   Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
Product: Checking or savings account

I have received the Wells Fargo statement that has information about a bank levy of XXXX dollars from my Wells Fargo advantage checking. I could not maintain the Wells Fargo or XXXX accounts in XXXX because of not getting any wages from corporate since XX/XX/XXXX or capital settlement to employ it in other domains. I recently found out my email XXXX has not been deleted by employer XXXX. Since XX/XX/XXXX I was registrant of XXXX.info.I do not have any income from my domains or the software company domains. 
I need to get the legal order that was used to levy the bank account.The bank has not provided me.
Product: Debt collection

Pioneer credit Recovery, Inc who is working on behalf of XXXX, has been calling my home and cell number nonstop. They have threaten to call Social Security to have my Social Security Check taken away. They have threaten to take money from my bank account without my permission. They obtain my husband cell number and told my husband to fax over his XXXX so that the can garnish his tax returns. I called XXXX XXXX XXXX XXXX XXXX to inform them of the harassment that I was receiving from Pioneer. They advised me that its not that problem to call Pioneer or file a complaint. So that what I doing filing a complaint because it is against the law to do these scare tickets to people
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX XXXX, which has inaccurately reported harmful information on my credit report under account number XXXX. I formally disputed this account and requested debt validation on XX/XX/year>, citing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my request, XXXX XXXX XXXX has continued to report a charge-off on this account, with a balance of {$160.00}, which has caused severe damage to my credit score and financial reputation. They have failed to provide adequate validation of the alleged debt, as required by law. Their continued reporting of inaccurate information has harmed my ability to obtain credit, housing, and financial products. 

The reporting is in clear violation of the FCRA, as they are required to ensure the accuracy of the information they report to credit bureaus. The FDCPA also mandates that XXXX XXXX XXXX provide debt validation, which they have not done. This has caused me financial harm, including multiple denials of credit and emotional distress. 

Actions I Have Taken : On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX disputing the account and requesting validation under 15 U.S.C. 1681 ( s-2 ) of the FCRA and 15 U.S.C. 1692 ( g ) of the FDCPA. 
XXXX XXXX XXXX has continued to report this inaccurate information without validating the debt. 
My credit report still shows the charged-off account with a balance of {$160.00}, which has negatively impacted my creditworthiness.
Product: Credit card or prepaid card

I filed a complaint with CFPB on the XX/XX/2023, And I was given a monetary relief of {$240.00}. It never got adjusted in my Paypal account. Upon contacting synchrony bank and Paypal, they said on th2 XX/XX/2023 the claim was denied? and no funds were adjusted. I am attaching the letter from CFPB and the new letter as well. 

I tried to contact the senior specialist who handled my case XXXX XXXX. I left several voice mails but she never responded to me.
Product: Mortgage

Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my XXXX  credit report that shouldnt be there i am a victim of fraud the creditors are navy federal
Product: Debt collection

Affirm its a company that I am complaining about I had gotten a loan for XXXX For an airplane ticket for myself to XXXX  after we purchase a ticket got on the plane we got an email and the price was completely opposite from what I agreed to an increase to {$4500.00}. I called made a complaint to the company and they said that they were very sorry that they would correct the situation. I have went through four investigations in which the company said that there was a glitch and that they would fix it and each and every time they have not and I go back to square with no resolution.The Company continued to apologize and said that it wasnt their fault that I needed to call the airlines call the airlines and then redirected me back to Affirm and told me it was their fault that they had no control over the situation. I have been fighting this amount since the company has done nothing to fix the situation and said that its not their problem and theyre still trying to charge me this debt. Additionally I did not agree to the {$4500.00} for a ticket. Another problem is that there was a purchase that I had made through this company prior to the tickets of {$1000.00} for a XXXX machine I canceled this order and was able to confirm that the company XXXX refunded my money back to Affirm but a firm is refusing to give me a a refund stating that its under investigation since XX/XX/2021. Im very frustrated Im in college and I can not afford to just continue to have this company steal my money from me and change cost etc. I am so frustrated and Im hoping that you could please help me because Im at my wits end.
Product: Debt collection

I try reaching out to XXXX  to delete the collection. Let them know thats in. That is an inaccuracy on my credit report because all other two XXXX XXXX is showing something different. One is showing resolved and on XXXX  its showing charge card. I asked for it to be removed several times from XXXX  and its not removed. The collection is still there. I dont owe any collection to that debt company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX BANK XXXX, these five accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}