23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to the Economical Real estate crash on years XX/XX/XXXX, my hard financial ship due to income reduction, XXXX problems due to a car accident on XX/XX/XXXX, family catastrophic death, which I am including a detailed ( LOE ). I did start a mortgage modification during year XX/XX/XXXX directly with Fannie Mae, local office which, I did not know better to properly prepare my file to avoid being denied for the modification. later on I paid to an Attorney office few XXXX dollars for professional advise and to prepare my documents properly to submit them to XXXX. at that time during the meddle of the process, XX/XX/XXXX XXXX sold or transfer my mortgage to Nationstar Mortgage. Therefore and among my frustation and desperation, I was force to pay to another Lending office for more professional advise and to properly prepare and submit the file again to Nationstar Mortgage for a modification by XX/XX/XXXX-XX/XX/XXXX. at this time I was already getting on dip financial trouble without my saving striving to keep upside down property values so I used all my retired savings to pay debts. as well as, desperate being back and forth submitting documents multiple times to lender for more than 3 years. Please review complaint XXXX. XXXX. it was to be disputed by the XXXX office i did pay for it. I have not understand yet their " Unfair Lending Practice '', eagerness, negligence, unprofessional, luck of proper communications, manipulation of the process as to create a second Escrow account to their benefit. instead, for them to provide an straight, proper customer or consumer solution without giving us night mares, frustrations, time consuming and jeopardizing Customers Excellent Credit History. such as, in my case reporting to credit agencies I was up to 5 months late on payments. Which, I was never more than 2 months late on end of year XX/XX/XXXX. I am submitting herewith my Bank Account 24 month history payments and their history where you clearly notice that payments where not properly handle by them and with the XXXX Escrow accounted They created. Finally they offered me what they call a modification to extend the loan to 40 years without reducing my current really high interest rate of 5.875 %. Reason for which I am submitting again a complaint. I am submitting herewith : current Mortgage loan statement, The attorney letter firm XXXX, My Hardship letter of explanation, XXXX research, my bank account showing 24 months history payment, Nationstar Mortgage partial history payment, Loan Modification package of documents I received, annual Escrow Account Disclosure statement, and their biyearly Escrow Account Disclosure Statement for your review. Please just let me know which other documents do you need in order to properly proceed. I do Really thank you in advance for your kindly, proper and prompt attention given for a solution to this file or complaint.
Product: Credit card or prepaid card

I was an authorized user on my exs Chase Freedom credit card. With his permission I set up my cell phone to be paid automatically with this card that was in my name with my name printed on it. After we broke up he claimed the charges were fraudulent and Chase believed him and took the payments back from my cell phone company ( XXXX ) and now they think I was using fraud to pay them. I used a card with my name on it that I was given as I was an authorized user on that account. There was no fraudulent charges. Chase will not rectify the situation since he is the primary card holder. On the chase website it states you can not report fraudulent charges made by an authorized user. Which I was when charges accrued. Yet they did allow this and refuse to fix it. How can you make unauthorized charges on a card in your name to pay a bill in your name? Cant happen. Authorized users should have rights too
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the Consumer Reporting Agency ( CRA ) that I did not approve the following inquiries in on credit report and they refuse to delete them. I also asked for physical evidence where I signed giving these companies permission to view my credit file. Since I did not give any written consent, these items should have been deleted or I should have received the requested evidence with my signature of approval. 

Company Name Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/22 According to the Fair Credit Reporting ACT, legally these unverified & unauthorized items MUST be DELETED! As a consumer, by law my credit report must be made 100 % accurate.
Product: Debt collection

I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than XXXX.
Product: Mortgage

In my previous complaint to the CFPB [ complaint no. XXXX ] JP Chase replied via letter to me and the CFPB and asked that I be patient and they had hired counsel to process my deed for me and they said the counsel was already working with my county registrar. I gave JP chase more than 90 days before calling them back. They could not find the name of the counsel they hired and I was told the person that wrote me/CFPB no longer works in Chase 's executive department and my case had not been assigned to anyone. I said if they can not figure out who they hired, to me that implies they were not honest in their letter to me and the CFPB. I contacted my County 's Examiners of title and they said no one from Chase and no one at all has been working on my deed with the county. 

When I complained to Chase, they said they had done all they could and it was really the last " trustee owner 's '' problem and the last owner of the trust XXXX XXXX XXXX XXXX XXXX ) was Bank XXXX XXXX XXXX XXXXXXXX. 

Bank XXXX XXXX  XXXX contracted Bank XXXX XXXX to do the loan servicing. When I paid the loan off and completed my portion of the " contract for deed '' I never received my deed. 

I paid my contract in full in XXXX and the deed is still locked in a mortgage back security with XXXX bank as the registered estate owner. I completed the contract and should have received my deed. This was not a normal mortgage as I bought a VA Home from the US Government that was repossessed and the VA financed the property for me as a Contract for deed in XXXX. Then the VA sold a bunch of loans and my contract for deed got wrapped in a mortgage backed security and XXXX bank registered themselves as the estate owner of my house. The county still shows XXXX bank as the estate owner of my house. JP Chase ( formerly Chase XXXX ) is the FDIC approved & merged successor for XXXX Bank. The county said I need need to provenance of the deed from XXXX to Chase to XXXX and then of course also Bank XXXX XXXX, the servicer, as XXXX is the one that sent me my final letter in XXXX congratulating me on completing my loan and fulfilling the contract. 

The Parties in this mess are : XXXX Bank, Chase XXXX, JP Chase, XXXX XXXX XXXX XXXX XXXX, and Bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX Account XXXX. In accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX on XX/XX/2022. I was denied and given an adverse action letter that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too. There is no permissible purpose here because that specific credit report wasn't even used to make a decision.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter via certified mail to Midland Credit Management requesting validation of an alleged debt in the amount of {$XXXX}. Attached to the letter was a return receipt. On XX/XX/year>, I was notified, via USPSs tracking system, that the letter was successfully delivered. On XX/XX/year>, I received an email from XXXX, a completely different collection agency, stating that Midland Credit Management outsourced my debt to them. 

Midland Credit Management completely ignored the letter I mailed to them and, instead, transferred my debt to a different company. I was never provided any information that I requested in the letter sent to the original collection agency.
Product: Debt collection

I am victim of identity theft. 
this account doesn't belong to me. 
i am already in collection. 
i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. 
I already made a dispute in XXXX, and XXXX, and XXXX. 

the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : XXXX
Product: Checking or savings account

Our checking account had one large item for a mortgage payment that had not posted to our account as of midnight last night. Then this morning there were XXXX different charges being returned for less than {$500.00} for them were less than {$25.00} and Bank of America returned all of them as of XXXX oclock today even though I transferred money over to cover the charges. it was my understanding that Bank of America is required to pay. The smaller charges were less fees would be incurred by the consumer and if they are going to return a charge, they could just return to XXXX merchant. We have XXXX different merchants that we are going to have late fees and insufficient funds charges from as well as probably bank fees on top of that from Bank of America for returned item fees, totaling in excess anywhere between XXXX {$700.00} when the money was transferred from XXXX of our Bank of America accounts into our checking account today we called the bank tried to rectify the situation. Ask them if they could cover those charges as a courtesy as we have been long-term customers for 15 years and they stated they absolutely could not so we are going to be out, like I said probably between XXXX and {$700.00} in late fees and insufficient funds charges not to mention if any of those vendors report it to our credit report when we have been good customers for XXXX  years and transferred the funds from XXXX account to another to cover those charges
Product: Consumer Loan

I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. 
They target individuals with low credit ratings and issue high interest auto loans. 
I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. 
I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.
Product: Debt collection

I apply for credit to buy-new tv on line whit XXXX electronics on XX/XX/XXXX. I received my tv after abat a week at my address the company that finance my tv was TD bank I call to set up a automatically payment from my bank account and for some reason they put wrong bank account information. After 2 months that I dont see any transaction for that account I set up payments whit my bank to have my bank send the payment to TD bank but by then TD bank was generated late fees because the wrong information.after that I decided to close my account and pay off my balance, but I still have a problem whit them and I still receiving letters about the account that they have on file. I call this number XXXX XXXX and they put me on hold for hours total balace was {$670.00} my bank send 4 payments of {$40.00} and 1 of {$520.00} total {$680.00} and I still receiving bills to my address for unpaid balance. Thanks very much in advance for your help
Product: Debt collection

SCA Collection I called them about several medical bills that been on my credit reports since 2015 And asked if I could request charity since I was having a hardship during that time and I was told no, that the only thing I could was make payments on debts until paid in full
Product: Credit reporting or other personal consumer reports

ACCOUNT ; Creditor : XXXX Number # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley AcXXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting a number of addresses that are not mines. I keep disputing them but they are not removing them. These addresses are not mines and they are refusing to remove them and are refusing to tell me why they are not removing this inaccurate information. The addresses are as follows : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I opened up a loan with World Finance in  XXXX Indiana. I did really well making my payments until late XX/XX/XXXX I took time off from work due to health reasons and have been out of work ever since. At the time I did explain to them why I had not been making payments and that I could not afford to make any payments at all because I was not working. They did not continue to contact me up until late XX/XX/XXXX. I do apologize I do not have an exact date. A lady from the office in XXXX Indiana called me and told me that she is charging off the account as a negative account. I tried to again explain to her that I had spoke with someone before and told them that I was not working at the time. She then informed me that I should have been more responsible because she is not responsible for the loan, that I am responsible for the loan and paying it back. She then stated I could have used the insurance for the payment protection plan that I had but I never knew that it was in my contract as I do not have access To my contract at the moment. I explained to her that no one told me about that option and she stated that it was too late to use it. She then asked me am I going to pay the balance in full or she will just charge it off and send it to collections. I told her that due to my circumstances of being out of work I would not be able to make the payments at this time. She then told me that they could come after me for my federal and stage taxes. I meant to file this complaint a couple of months ago but it slipped my mind up until I recently viewed my credit report. Im pretty sure all of the calls are monitored and recorded at the XXXX location just like all calls for any company are monitored and recorded by any company such as world finance. I would like someone to pull the tape to find out the representative who threatened to take my taxes. Since then World Finance has not attempted to call me and collect any debt the only time they call me is to ask to speak to someone that I know that also has a loan through them that use me as a reference not once have they called me about my own loan with them. I am happy to pay the debt as long as they remove the negative remarks and negative charge offs from my credit report. I will also be filing a complaint with the XXXX and the attorney generals office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a pre approval for a mortgage about 2 years ago and they are unable to pull my equifax credit score, but they were able to pull both XXXX and XXXX. 

same thing happened when i tried to open a banking account with XXXX. 

last year when i was trying to get a car it happened again. they could not pull my equifax credit score. I also can't view it on any credit checking sites. it just says NA I called equifax several times and they stated there is no freeze on my account and everything should be fine. i spoke to multiple people and 2 years later im still in the same predicament
Product: Debt collection

This debt was paid in full of XXXX remove from my credit as soon as possible