23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I took a Chase XXXX XXXX on my credit card on my credit card of {$3000.00} at a fixed APR of 7.99 % on XXXX XXXX for a loan duration of XXXX billing cycles. When I signed up I was shown a monthly payment of {$510.00} which was part of my min due. I paid over and above that for my XXXX statement ( generated on XXXX XXXX ) and covered way more than the " interest saving balance '' so that my purchases outside the loan does not accrue any interest. I received my XXXX statement ( generated on XXXX XXXX ) and see that along with the {$510.00} ( out of which {$500.00} should be the principal ), additional interest of {$16.00} is charged. I spent XXXX minutes with a call center representative explaining my situation and she kept mentioning {$510.00} is " estimated monthly payment ''. On the fixed loan when I was applying it clearly said what my payment would be and I wasn't expecting over and above the amount, Chase will continue to charge interest. I am banking with Chase for almost 10 years and have multiple credit cards as well as checking account with them. I wasn't expecting the lack of transparency on this product and I feel deceived and cheated both at the marketing of the product as well as how Chase is misleading customers and not showing the true cost of borrowing. I have paid off the entire card balance ( remaining loan amount and card purchases ) so that I don't get charged any more interest. I am really worried that so many customers who are probably not on top of their finances like myself are getting deceived by such practices and paying more interest than they should/are aware of/without having full transparency of the terms. I will really like this to be reviewed by CFPB so that customers understand the true cost of borrowing before taking a loan on their card from Chase. Please feel free to reach out if I need to provide any more documentation. 

Thanks and regards, XXXX
Product: Credit reporting or other personal consumer reports

Disputed accounts to be removed and any negative information associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We obtained a home loan in the amount of {$990000.00} XX/XX/XXXX. 
Our home loan had been sold by the Originator, XXXX XX/XX/XXXX XXXX XXXX which then immediately sold our loan to a XXXX XX/XX/XXXX-XXXX Trust Fund ;. 

Due to a severe reduction in income resulting from the XXXX financial crisis we fell behind on our payments. XX/XX/XXXX XXXX recorded a forged Assignment of Deed of Trust assigning XXXX ' 'fictitious interest ' in our loan to XXXX Bank XXXX XXXX. as Trustee for the XX/XX/XXXX Trust Fund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired the servicing rights to the loan XXXX. XXXX commenced foreclosing XX/XX/XXXX. We challenged XXXX standing to foreclose in XXXX Court and XXXX cancelled the Trustee 's Sale. 

Suddenly, Nationstar Mortgage LLC began sending us letters claiming to be the new loan servicer, demanding monthly loan payments. We challenged Nationstar to prove that it had the right to collect our payments. It did not respond to our Qualified Written Request so, we refused to make any payments. 
Starting XX/XX/XXXX Nationstar recorded defective -pre-foreclosure notices. It falsely appointed XXXX to be the foreclosure trustee. We sued to Quiet Title XX/XX/XXXX. The Judge refused to hear the case. 
XXXX held an illegal Trustee 's sale of our home XX/XX/XXXX. We expect XXXX Bank to commence eviction proceedings shortly. We can not let Nationstar and its cohorts to get away with its felony actions. 

We can not get relief in court. Therefore, we are seeking CFPB 's assistance in bringing Nationstar to account for its actions and to extract compensatory damages form it in the event that we are evicted prior to CFPB 's intervention.
Product: Mortgage

This complaint is against the Mortgage group of Navy Federal Credit Union. I was charged twice for a credit check even though they have a " credit dashboard '' which displays my credit score daily. 
Most aggravating was the way they held me hostage till the very last minute with regards to the information and documents required from me to close on the transaction. 
The application process was started over 90 days before the estimated closing date. I asked them numerous times ( I have the emails to prove it ), to let me know all the documentation and supporting information that their Underwriters would need. 
I was continuously assured that everything was on schedule by the Loan Officer. But the Loan processor who was the mouth piece for the Underwriters kept surprising us with new requirements. Three days before closing I was told that I needed to submit a " flood certificate '' for a property that was not being financed. After rushing through rush hour traffic and an hour drive across town to look for the document I got a message after 4 hours that it was not needed. 
A day before the closing while we were driving across the country I got a message that an insurance document was needed from the XXXX XXXX. A few hours later I was told it was not needed,. 
Mortgage companies should be held to a firm time table.and accountable and not subject consumers to last minute demands. i.e. no demands should be made, if the customer has complied, say within two weeks of closing. 
NFCU 's mortgage process is dysfunctional and very customer unfriendly...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 1313 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: Debt collection

I paid back {$600.00} already the amount of over {$1300.00} is interest of money that i did not receive when I had credit card active. Everytime I call XXXX young guy answer phone always refuse me to talk to manger hangs up phone he never want to give me a reasonable amount to pay midland credit made the amount over 1,300 there selfs thats a complete scam they never let me talk to managers its ruin my credit score complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies do not update payments or correct balances. Especially XXXX and Equifax. Equifax gave access to XXXX without my authorization. XXXX is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have received 4 different payment histories for investigations on XX/XX/XXXX I received a different payment history that says I made payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX. Previously I had a different payment history that stated I made payment on XX/XX/XXXX and I did not make payments on XX/XX/XXXX or XX/XX/XXXX. The information furnisher for the investigation on XX/XX/XXXX was a completely different stating payment was received on XX/XX/XXXX states payment history of payment made on XX/XX/XXXX but not XX/XX/XXXX. I have had a total of 4 different payment histories from this furnisher and fail to believe the account is accurate and complete. The also say individual and joint.
Product: Debt collection

Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices. 

I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.
Product: Vehicle loan or lease

On Sat XX/XX/XXXX I recd a letter in the mail from Westlake Finanical Company, LA, CA for a fraudulent loan that they purchased from XXXX XXXX XXXX in NJ. The monthly payment was stated as {$320.00} for a XXXX XXXX XXXX XXXX class to which I did not purchase, sign or co sign for. They had an incorrect email address listed on the form and bolded underlined section about how this may not match the address states or consumer credit report. I called the company 3 x and spoke to 3 different people ( XXXX XXXX, XXXX, and XXXX XXXX ) at XXXX. They all 3 gave me different information and were not helpful, very suspect, unprofessional and quite honestly seemed more like a debt collection. I could not speak to a manager or legal. I filed a report with the local Police Dept who also called and got no information as well. They will be issuing subpoenas and warrants. There as another name on the loan that I do not know nor never have - XXXX XXXX. I have contacted the credit bureaus to put an alert and freeze on my reports although both of these above names were listed as inquiries. This is a fraudulent use of my credit report in this auto loan process. Please advise next steps. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, XXXX found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent Equifax and XXXX as well as XXXX and XXXX is the only company to remove the filing. Still waiting on Equifax and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by Equifax, XXXX and XXXX. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, Equifax and XXXX need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX ACCOUNT # XXXX XXXX or XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX FRAUDULENT INQUIRIES XXXX XXXX INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE ADDRESSES 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 INACCURATE EMPLOYMENT XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I filed a complaint with this office on XX/XX/XXXX in reference to a case brought by Wachovia Bank National Association to XXXX XXXX XXXX XXXX. Wachovia Bank was supposed to respond with a solution to these issues within 30 days and no action was taken by this institution. This noneexistent company was pursuing this case with a fictitious name cancelled and using a " Lost Note Affidavit ''. Wachovia Bank N.A. merged with Wells Fargo Bank on XX/XX/XXXX under Federal Approval effective XX/XX/XXXX. Wachovia Bank XXXX. cancelled their fictitious name registration Wachovia Bank can not do business or maintain a lawsuit in any court unless it is represented by Wells Fargo Bank as " successor by merger ''. Wachovia Bank XXXX. was violating the Florida Statute XXXX, the Federal Rule of Civil Procedure ( Rule XXXX ) and the Florida Rule of Civil Procedure XXXX. 
The response given by Wells Fargo Bank on XX/XX/XXXX on the CFPB case number XXXX did not solve the issues presented by XXXX XXXX XXXX XXXX this complaint. XXXX XXXX XXXX contacted the Comptroller of the Currency Office on XX/XX/XXXX in response to the letter sent by Wells Fargo Bank on XX/XX/XXXX ( documents previously provided to OCC ). Wells Fargo Bank falsely represented to this Office that these issues were resolved on XX/XX/XXXX and that XXXX XXXX XXXX did not respond to their letter. Wachovia Bank N.A. does not legally exist since XX/XX/XXXX and they filed a foreclosure deficiency lawsuit on XX/XX/XXXX against XXXX XXXX XXXX using a " LOST NOTE AFFIDAVIT '' stamped in XXXX XXXX, Florida. Wachovia Bank is violating what they agreed in the National Foreclosure Settlement with the goverment and the 50 attorneys general. Wachovia Bank is violating the Florida Statute 865.09, the Federal Rule of Civil Procedure ( Rule 9 ) and the Florida Rule of Civil Procedure 1.120. Furthermore three actions of fraud were practiced against XXXX XXXX XXXX in XXXX since Wachovia Bank filed this case in XXXX XXXX. At this point in time the damages for XXXX XXXX XXXX are greater since this nonexistent company forced him to file Bankruptcy with a defective case and causing to this family an uncalculated financial crash. XXXX XXXX XXXX was XXXX on XX/XX/XXXX and Wachovia Bank continues with the lawsuit active in the XXXX XXXX XXXX XXXX ( Case Number XXXX NC ). Wachovia Bank was supposed to dismiss their defective case upon the discharge. XXXX XXXX XXXX asks to this office for HELP since Wachovia Bank XXXX. abused this family when they foreclosed our home in XXXX and now continues violating the law with this case. Furthermore XXXX actions of fraud were practiced against XXXX XXXX XXXX since XXXX filed this case in XXXX XXXX. Thank you for your attencion to this matter. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I just received a Walmart MasterCard in the mail issued through XXXX XXXX that I did not apply for. Today is X/XX/17. Even though it says that I have to call to activate my account, anyone could have stolen it and activated it in my name. I want this practice to stop immediately. I am also going to file a complaint with the BBB.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Checking or savings account

I had a checking account with Citizens Bank. It was closed in XX/XX/2023 and still have not received the balance of the funds that were on account. I called on XXXX to ask if the funds were being released. The rep told me that the account was closed at end of billing cycle XXXX and check issued for {$6000.00} should receive the check by XXXX. On XXXX, was told there was no moneyissued and account under review. Couldn't explain why was told check issued. As the months go by they have removed XXXX for a maintenance fee Have had 3 fees removed and pending a fee for XXXX. I have no access to the money and this is holding me up from moving. Just want the balance since account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 's 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: Mortgage

I was told that the time frame for the equity loan I had applied for has run out and that I would now need to accept a different product with increases in interest rate. I was told that I had to do something about the dampness / mold and remove the mobile home in my property before they can complete the loan and this issues are resolved before they can give me the money.. I had the dampness/mold fixed and the mobile home removed .The appraiser came and did new inspection and submitted his report. Two weeks after the submission of the new appraisal and I called my loan officer for update that is the time he informed me I run out of time. This projects were very expensive. I was also told by the appraiser that he didn't report dampness/mold in my basement.