23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my husband died and all creditors were so notified. Chase would not allow me access to the HELOC account that they had apparently purchased in a bundle, nor would they speak to me. I have never been in a Chase bank. However I continued to pay all bills as my husband had done. In XXXX or XXXX XXXX men knocked on my door and told me I needed to vacate my home because it was in foreclosure. The men were dressed as sheriff deputies in tan shirts and brown pants. My only option was to sign for XXXX XXXX envelopes that they handed to me. There was no XXXX truck. There was no XXXX 's vehicle. When I protested that it might be improper to sign for a dead man, they insisted that I must. I caved, signed for a dead man, and was awarded the envelopes. 
Opening the envelope that was addressed to me, I compliantly endured XXXX or seven months of weekly phone calls from teenagers in a call center somewhere in this country where the name " Chase '' is pronounced " XXXX ''. They told me I must first refinance my first mortgage which had been purchased by XXXX XXXX. XXXX XXXX was happy to refinance me and did all that was " required '' by XXXX regulations. Sure, they were happy to help. Lowered my monthly payments with a brand new 40 year loan, extended the date of maturity to XXXX, when I will be celebrating my XXXX birthday in a home I will have been making payments on for 64 years. XXXX, now the kids in Chase 's call center could work with me. Another XXXX loan application with Chase, with at least XXXX copies of my dead husband 's death certificate faxed before getting the giggly and happy call from my " home preservation specialist '' offering me XXXX options. XXXX. Pay them {$50000.00} immediately, or XXXX vacate. 
Mind you, I had been making payments to Chase continuously, they blocked me from their website, and refused to send me a statement. 
I had a bleeding ulcer by this point, and told my teenage home preservation specialist not to call me any more. She seemed genuinely perplexed. I kept paying. 
In XXXX of this year I was again delivered XXXX XXXX envelopes, but this time by a real XXXX employee ' who knocked loudly left the XXXX envelopes at the door, as the real ones do. Inside my envelope they have now decided to offer me a 40 year loan with the lure of a 1 % finance rate - - the first year. In the name of all things decent and honest I must ask, how can this still be happening? They use words like " time is of the essence '' and continue to follow up with phone calls from children who have no idea what kind of predatory work they are doing. " Escalation Division ''? Illegible online accounting? 
This has been a nightmare for the honest woman that I am. It is a horror. 
I would send a copy of this to XXXX XXXX, but it is NOT funny. They will forever refuse to acknowledge my husband 's death, nor will they report the interest paid to my social security number. They continue to use his, so I will forever get annual IRS notices that I have claimed interest not due me. Thank XXXX the IRS does have bright honest people in its employ, who readily see where the problem has arisen.
Product: Mortgage

We are complaining about a purchase price of a home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX  for a home on XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX  was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with 2 mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : Accounts : 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 XXXXXX/XX/XXXX
Product: Debt collection

Date XX/XX/11 I spoke with some from IQ data asking for verification, she was rude toe because I kept asking for a verification letter to be send. 
I called again XXXX I spoke with a guy and he was complete rude to me on this phone call, before hanging up the phone I told him I had another question and he was so rude and was like what you do want?? It was so in professional with how they are handing me.
Product: Credit card or prepaid card

My card was again declined and the card was blocked after trying to make a small purchase ( cup of coffee in this case ). This is the third time my card has been permanently blocked by this company and they did not contact me when they blocked the card. Rather I had to call them and wait on hold for hours before anyone could help me.
Product: Credit reporting or other personal consumer reports

This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.

2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.

3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations.

4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false
Product: Credit card

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within fifteen ( 15 ) days from the date of this notice, I will proceed as follows : Filing of IRS Form 1099-C : I will initiate the process of filing a Form 1099-C with the Internal Revenue Service ( IRS ) , requesting a discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm.

IRS Audit Request : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices. 

Filing of IRS Form 3949-A : A formal IRS Form 3949-A ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Product: Debt collection

equifax has charged me over the billlimit.they have charged me for 4 months service and i have a monthly payment of XXXX.i want this to stop and quite over charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm writing you because I'm having some trouble with XXXX with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX XXXX to have hair removal and planned to pay in cash. They offered a 0 % interest loan for the procedure split into monthly payments. I took the offer and made all the payments on time through the bill pay feature on my bank account. If the mail delivered the check to them a day early, even if they didn't process the check until the next day when it was due, they considered it a payment from the previous month and then charged me a late fee for not making another payment exactly on the due date. 

Here 's what that looks like for my payments and my loan : Loan on XX/XX/XXXX for {$3000.00}, 24 payments Payment 01 - Payment XXXX XXXX Posted XX/XX/XXXX {$120.00} ( I struggled to find where to pay but paid immediately once I figured it out ) Payment 02 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} Payment 03 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX Payment 04 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX, considered late Payment 05 - Payment XXXX XXXX - Posted XX/XX/XXXX - counted toward XXXX, considered late Payment 06 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 07 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 08 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late I consider this debt to be paid in full but Ally tells me I owe them {$700.00} in fees.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Checking or savings account

I have spoken to Bank Of America over the phone asking why they had closed my account years ago putting suspected fraud activity on my ( XXXX ) XXXX XXXX XXXX credit report and XXXX   XXXX report, And they had told me they do not need to give me that information they told me they do not need to tell me anything of why account was closed Then i sent them a letter to see if i get a response about the account they forwarded to the credit department and i got a letter stating that they did a investigation and everything is correct but i had sent a letter to ask for reason of closure.
Product: Debt collection

In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the   XXXX   XXXX  . In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which were  discharged  ; howeve r, Citimortgage h as continued to assert that the mortgag is a new debt and report it to  XXXX . I have disputed this account for the past 2 years with no success. Also, each time  XXXX  removes the account, it is reinserted a month later. This has caused my  credit score to  go down by  XXXX  points. I have reached out to  Citimortgage as well. They have refused to acknowledge that the mortgage was discharged  and should be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my  hope that your agency can assist in getting this cleared up and my credit score  restored to its previous number of  XXXX .   Thank you in advance.
Product: Credit card

I HAVE A CREDIT CARD WITH PNC BANK, THE PNC POINTS CARD. IT HAS A LOWER INTEREST RATE FOR PURCHASES, AND A HIGHER INTEREST RATE FOR CASH ADVANCES. I CALLED THE BANK TO FIND OUT HOW TO PAY OFF THE CASH ADVANCE BY MAKING A PAYMENT ABOVE AND BEYOND THE MINIMUM PAYMENT. HOWEVER, I WAS INFORMED BY PNC THAT THIS IS NOT POSSIBLE, THAT THE EXTRA PAYMENT WOULD GO TOWARDS THE BALANCE WITH THE LOWER INTEREST RATE. I INDICATED THAT THIS SEEMS TO VIOLATE THE CREDIT CARD ACT OF 2009, BUT THE PNC EMPLOYEE SAID THAT IS THEIR POLICY IN HOW THEY ALLOCATE PAYMENTS.
Product: Mortgage

XX/XX/XXXX we received a notice from our mortgage company, freedom mortgage, that our mortgage would be going up about XXXX a month due to a XXXX projected escrow shortage for XXXX. XXXX XXXX XXXX XXXX, a loan officer from freedom mortgage started soliciting us to refinance. He made promises of much better rates, a much lower monthly payment, no closing costs, and no projected XXXX dollar escrow shortage. It sounded great so he sent over the disclosures for us to sign and our new loan process started. XXXX informed us that we did not need to make the XXXX payment because he would be making sure we didnt have to pay the extra XXXX in mortgage per month. He informed us he had this authority within the company. Upon reviewing these disclosures, they not match what XXXX XXXX had said, it did give lower rates for our mortgage though. We signed them. They lock in rates expiration date was noted as XX/XX/XXXX. We started making attempts to contact XXXX XXXX in later XX/XX/XXXX to inquire why the disclosures did not match what he promised. Although the lower rates where better then the XXXX new payments projected by freedom we still had questions especially about being advised not to make XXXX payment. We made numerous calls aswell as sent XXXX XXXX. We never received a response from XXXX. Every rep we did get ahold of said they would call us back with information. We still have not received any information. In mid to late XXXX ( we still were regularly attempting to get in contact with XXXX XXXX or anyone who could help ) we received new disclosures to sign with different rates and amounts. These new disclosures were not anything like the ones we signed. Our original disclosures had not even reached the rate expiration date of XX/XX/XXXX. Also these new disclosures were signed by XXXX XXXX who still has not responded to any of our emails or calls. We did however start to get notices to pay XXXX payment. We did not anticipate paying This much larger payment as XXXX XXXX instructed us not to make that payment. This resulted in much financial hardship for us currently. In the last 2 weeks I have again emailed XXXX XXXX XXXX as left voicemails and spoke to several different reps to let them know we wont be signing the new disclosures and we wish to discontinue the loan process. Freedom is still to this day sending disclosures for us to sign and will not acknowledge our refusal to sign any documents. We have been lied to and misled into financial hardship which appears to be a tactic to get us to sign these new outrageous documents. It appears to be a bait and switch of disclosures because they attempted to pressure us to sign new disclosures before our original documents expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see my Credit Report with no changes with the items I am disputing. I have been sending dispute letter to the Credit Bureaus asking favor that they remove the fraudulent item from my Credit Report since these items are completely unknown to me. I was a victim of identity theft and this is the letter I sent on XX/XX/XXXX was already my XXXX  request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I need the following items removed from my Credit Report now : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Several years ago I purchase a single bitcoin for approximately {$450.00}. Now it is worth roughly {$58000.00}. My wife and I are ready to purchase a new home and wanted to use this money for the downpayment. I logged in to my Coinbase account, and when I try to sell or transfer the funds to my normal bank, I'm given the message, " Account Restricted. You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' However there are 2 problems here. First, if you follow that URL, there is no information on remedying the situation. Second, there is no phone number or way to contact a human being to fix the situation.

I filed several support requests using their contact form, and thus far nothing has happened. If you look into this situation there hundreds, possibly thousands of complaints just like this.

Because of their slow response, my account value has already dropped by several thousand dollars in just 1 day. Since I can not access my funds, I will most likely lose the house we wanted to buy. Therefore this situation is costing me more than the lost value of the account, but potentially tens or hundreds of thousands of dollars in lost real-estate opportunity. 

This is honestly the worst customer service situation I've ever been involved with. If a brokerage firm refused to have a phone number and would not allow you to sell off a stock to retain your profits, the stock exchange and perhaps the US Government would be involved immediately. 

I need help and I need it ASAP. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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