23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I have made a complaint to the Executive office of Chase Bank phone number XXXX. They in turn sent me documentation to fill out for a loan modification. I received the paper work on XX/XX/XXXX and I have filled out the necessary information and have faxed the documents to Chase Bank but in the meantime I received a letter on my front door on XX/XX/XXXX that the house is going for Sherriff Sale on the XX/XX/XXXX. I am in the process of a modification so how could they put my house up for Sherriff Sale. Chase Bank needs to Stop the Sherriff Sale as I was not even entitled to attend the mediation as Chase advised that the house was vacant since XXXX. I have lived in this house since XXXX. Chase is a very hard bank to work with. They assigned me a Relationship Manager by the name of XXXX XXXX who can be reached a XXXX, who number one I can not understand and is not very helpful at all. I requested another relationship manager and I was denied. I'm not understanding as to why I received paperwork for a modification and a Sherriff Sale Date. I want to do is keep my home. Circumstances have changed and I will be able to afford the house. I want Chase Bank to Stop the Sherriff sale dated XXXX immediately Court Case # XXXX XXXX Sherriff # XXXX
Product: Credit reporting or other personal consumer reports

I have a twin sister and all of her information is on my credit report and it is hurting my score. Ive been calling and sent in letters since XXXX  to have this information deleted but nothing has been done and my credit is still affected by it.
Product: Debt or credit management

Asked experian to investigate a potential negative on my account, they never did
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX C Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Credit card through bank opened XXXX. 

Defaulted XX/XX/XXXX. Individual charge card. 

Has Me listed as making 3 payments recently of {$1.00}, {$5.00}, and {$0.00} Its an obvious attempt at re-aging this account which has never been brought current in 7 years. Disputed through Equifax and I took one day for them to verify as accurate. 

How? {$1.00} looks accurate?
Product: Credit reporting or other personal consumer reports

Experian credit bureau refused to removed incorrect address from my credit report also they refused to removed fraudulent account I have been disputed are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... XXXX, Equifax and XXXX XXXX ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an account with Jefferson Capital System was opened fraudulently with a balance of {$810.00}. I did not open this account. The account is now in collections. I have tried to reach out to the company, as well as, the credit bureaus and have had no luck in getting this issue resolved.
Product: Student loan

It took us over a year ( XX/XX/XXXX thru XX/XX/XXXX ) and getting an advocate to get our income based repayment started. We reapplied every month but they insisted they never got it or there was some error ( it varied ) and reported us as late EVERY time even though our income based repayment amount was previously and is currently {$0.00} a month. We applied way in advance because I have been diagnosed with XXXX XXXX XXXX XXXX and every year they lose our application and play other games for months before finally giving in and setting it up based on our income. 

After getting the income based repayment reinstated with an advocate they once again reported us as delinquent for not paying {$0.00} a month for the previous year and refused to remove the derogatory information which dropped my credit score almost 200 points from 700+ to XXXX. 

They said because they constantly called us ( they did AND called my XXXX son without anyone 's permission ), emailed us ( they did ) and mailed us ( they did ) since we NEVER responded ( we did resubmit monthly and called constantly ) that they could n't in good faith restore our credit report.

Every year I file with Navient for an income based repayment it takes several months of them saying they did n't get the application, something was missing, some other excuse
Product: Debt collection

I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.
Product: Debt collection

A company by the name with EPA USA has been calling me and my wife daily requesting us to relay a message to someone with the same last name. I have called the office twice and spoke with someone by the name of XXXX XXXX who claimed to be a supervisor and promised that my information would be removed from their call list. About an hour afterwards my wife and myself both received phone calls again. This was the 3rd phone call today from them. The first caller got an attitude and proceeded to explain over the phone who I was and my address as if to tell me she knew who I was and where I lived. After asking her was the debt mine she hung up in my face.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXt 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 XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and delete company information of Transunion. TransUnion did not display this account on my original report pulled and after speaking with XXXX today, he stated another complaint had to be filed. So, please delete the following account immediately : Account : XXXX XXXX Account # : XXXX Amount : {$840.00} Date opened : XX/XX/year> XXXX
Product: Credit card

I signed up for XXXX synchrony car care cards. XXXX with XXXX  XXXX and XXXX with discount tire. I signed up for the online payment option and made payments on both last month online. When i went to log in this month to pay i was blocked from accessing my account. The statement on the website reads " This account may have been closed or blocked. Please contact customer service at the number on the back of your card. '' So i called customer service twice. Both times they refused to unblock the account. The first time, after XXXX minutes, they said they were transferring me to tech support. I then spent XXXX hours on hold before the call was disconnected. The second time they also refused to help. This time i told them to have tech support call me when they were available as my time is valuable and being a victim of there incompetence is not required to pay a bill. When i asked for paper statements they told me i would be billed for this. I refused to pay. I believe this is intentional to rack up late fees and junk fees. Why would i be required to spend XXXX hours on the phone without getting the situation fixed or pay a fee. Why would i be punished for their incompetence. Why would they block my online payment access and then bill me for it? I am a 100 % XXXX US XXXX  Veteran from the war in XXXX and this is triggering my XXXX. I have informed them of my XXXX on multiple occasions. I was forced to ask over XXXX times for paper statements before they honored this request. They are very very very intentionally refusing to solve their own issue in order to XXXX late fees and junk fees
Product: Credit card

This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.
Product: Mortgage

My loan provider is Mr Cooper, I fell on hard times in XX/XX/year> due to lost wages, now my house is in forclosure after 20 years of ownership. I have been reaching out to Mr Cooper for some type of resolution with no luck. They telling me only way to get out of forclosure is to reinstate the loan which i'm not able to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, Experian as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. XXXX XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX/XXXX   Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$19000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX UNIVERSITY XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
Product: Debt collection

On  X/XX/  2017 an d on  X/XX/  2017 I ma iled certified letters to      XXXX   XXXX   XXXX   XXXX    asking them to validate this debt that they say I owe {$7600.00} In validating this debt I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. And that if they could n't they need to follow the FDCPA any debt that ca n't be validated you must request that all credit reporting agencies delete the entry. Well on  X/XX/  2017 I s ent a certified letter to   XXXX    XXXX  explaining my attempts in getting    XXXX   XXXX   XXXX   XXXX    to validate this debt and asked them to do so with proof that debt belonged to me. Well even contacting  XXXX  still no sucess. In fact attached you will see that they violated the FDCPA by not marking it as disputed within 30 days a violation of {$1000.00}
Product: Credit card or prepaid card

I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In relation to CFPB complaints:XXXX, XXXX, XXXX. 
On XX/XX/XXXX, I sent a complaint regarding United States Federal Code being violated by Equifax. Within thirty ( 30 ) days, I had not heard a status of investigation or 45 ( 45 ) days. Under United States Federal Code, U.S Code 15 1681i. This is NOT asking for an investigation with the data furnished or using any Automated Dispute System. You have FAILED to produce any results from the investigation dated back to XX/XX/XXXX, where I promptly put you on notice. I demand you correct all details as stated in my written correspondence as stated by law. If you fail to do so, I will file a complaint with the FTC, Governor of Ohio, and Attorney General and pursue legal counsel. If you close this CFPB complaint I will assume you're unwilling to cooperate with federal law, and if you close the complaint saying you are doing an investigation with the data furnisher, once again I will assume you're unwilling to cooperate with federal law. As stated in XXXX.S Code 15 1681i you SHALL by LAW, you SHALL DELETE or MODIFY said disputed items within thirty ( 30 ) days, of investigation and you have failed to do so.
Product: Mortgage

In XX/XX/2019 ... we refinanced and paid off the mortgage that was been service by Loan Care. They told me it would take 30days to receive the reserved escrow money. Is now XXXX way more than 30days and we have not seen any money. They also over charged on the fees to get payoff and updates on the # s. Would like to see if this agency can look into why they holding on to escrow money for so long. The account online stating now that it has been {$0.00} in the escrow even all of XXXX.which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$2200.00}, {$2300.00}, {$5200.00}, {$2900.00}, {$4400.00}, {$0.00}, {$2700.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- CLOSED ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 9. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Vehicle loan or lease

VW Credit never sent an invoice to my home address ( XXXX XXXX XXXX XXXX  XXXX, XXXX IL XXXX ), and they flagged my account 30 days past due in XX/XX/XXXX ( {$1300.00} ), XX/XX/XXXX ( {$1300.00} ), and XX/XX/XXXX ( {$1300.00} ). I repeatedly called, sent letters for late payments and flags to be removed, and received no reply. I continue to send letters disputing the late fees and XXXX late flags to removed and no one replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a credit card with XXXX XXXX This report on my credit file is incorrect