23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an interest only mortgage for {$580000.00} through XXXX XXXX XXXX in XX/XX/XXXX which was taken over by XXXX XXXX XXXXXXXX. I fell behind in XX/XX/XXXX during the banking crisis as I am also in XXXX XXXX. The loan was modified in XX/XX/XXXX with very bad terms. It was set up for me to have a balance of {$400000.00} owed after 40 years. I asked for a more reasonable mortgage and was told this was all I could get. My alternative was giving up my home. My balance has ballooned since getting the modification. My loan was sold to Nationstar and I completed my second modification with them in XX/XX/XXXX. The new balance is over {$700000.00} and the required monthly payment is over {$5000.00}. I applied for a new modification with Nationstar DBA Mr. Cooper and was declined after four months of waiting. During this time I was advised by Nationstar to not make payments. I am now officially in default and desperately need help. I may have a sale date scheduled of XX/XX/XXXX. I am not certain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, EXPERIAN, & XXXX has violated my rights. 

XXXX XXXXXXXX ACCOUNT # XXXX**** XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX Dept Of Treasury Account # XXXX 15 U.S.C . 1681 section 602 A states I have a right to privacy/ 15 U.S.C.1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Payday loan, title loan, or personal loan

I had a personal loan with Lending Club that was closed without any communication. I've been a client with Lending Club since XX/XX/XXXX. My first loan was Acct # XXXX for $ XXXX. I paid that loan on time, never had a late payment, and paid it off in full on XX/XX/XXXX. 

I applied for a second loan on XX/XX/XXXX. The loan was approved, loan # XXXX, loan amount of {$34000.00} and fully funded on XX/XX/XXXX. I also paid this loan on time every month until I because severely physically ill in XX/XX/XXXX. Due to my illness ( which I believe was early Covid ) was unable to work and my income was severely impacted ; I wasn't able to work and because I'm 100 % commission, I IMMEDIATELY contacted Lending Club to inform them of my health issues ; to let them know my income was impacted, that I was anticipating hardship and see if they had any programs to assist me when I was no longer capable of making the payments on time. But the only option they gave me was a 15 day grace period which is standard procedure under any situation. I called them once or twice per month seeking help and asking for guidance all while struggling to make timely payments. I was able to continue making on-time payments up until end of XX/XX/XXXX and by this time the pandimic ( Covid ) hit like a nuclar boom! In spite of my health, a major hit to my income and the announcement of Covid, I still endeavored to make payments. 

In spite of my steller payment history, fully paying off my original loan # XXXX, constant communication, request for assistance, the announcement of a world pandemic, Lending Club didn't offer me a helpful solution until XX/XX/XXXX! By this time I have little to no income, I've exhausted my savings, getting food from the food bank, etc. I was at the end of my rope! Then unbeknownst to me they charged off my loan and sold it to a third party company XXXX ( collections ) XXXX without contacting me at all!! I only found out because I was trying to call in to make a payment and they told me I was unable to pay because my account was closed. 

I'M EXTREMELY UNHAPPY ABOUT HOW I WAS TREATED. I WASN'T TREATED FAIRLY ESPECIALLY FOR MY PAYMENT HISTORY, ATTEMPTS TO WORK TO KEEP THE ACCOUNT CURRENT AND PAID, ALL MY COMMUNICATIONS TO LENDING CLUB, PERSONAL HEALTH ISSUES AND ABOVE ALL OF THAT A WORL WIDE PANDIMIC! THIS HAS SEVERELY IMPACTED MY LIFE AND IT WAS NO FAULT OF MY OR DUE TO ME BEING IRRESPONSIBLE! I ASKED THAT YOU PROTECT ME AS A CONSUMER. 

Thank you!
Product: Credit reporting or other personal consumer reports

I did not give this company permission to pull my credit report.
Product: Debt collection

XXXX XXXX XXXX was contacted by XXXX XXXX finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXX of XXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( rausch and Strum ) I was told that all the agents available had no information on the debt only that it was representing XXXX and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over 6 years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX allege account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Select Portfolio Servicing closed complaint XXXX without provided all necessary information. 

Their response states the below : In the inquiries, you advised check XXXX in the amount of {$3500.00} dated XX/XX/XXXX, was cashed on XX/XX/XXXX, by XXXX Mortgage XXXX ( prior servicer ). The prior servicer sent check XXXX dated XX/XX/XXXX, to SPS in the amount of {$3500.00} on XX/XX/XXXX. As the loan was not serviced released to SPS at that date, the funds could not be posted. A letter was sent to the prior servicer on XX/XX/XXXX, which advised we were returning the check received because the attempts to identify the mortgage loan associated with these funds was unsuccessful. The prior servicer did not post this payment before service release to SPS on XX/XX/XXXX. We apologize for any inconvenience this error XXXX have caused. You will need to contact the prior servicer directly for a status of these funds. We have enclosed the SPS XXXX XXXX for review. 

The prior service provider does not have any record of a letter of returned check from SPS. SPS needs to provide tracking details and/or delivery information. 

Without this information, the previous service provider is unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account several times with XXXX XXXX and With XXXX,   Experian, XXXX I Have a complaint thru CFPB cause XXXX XXXX  will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue.

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

I went off information in my credit report by XXXX, Experian, XXXX XXXX, Experian, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE XXXX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE.

THIS IS MY FINAL NOTICE TO XXXX AND THERE RESPONSE WILL BE USE IN COURT.
Product: Checking or savings account

Again I am having issues with chase!!!

If my account is closed why are there still activities going on?! I have been treated very unfairly and no one is answering my questions and concerns. On top of it all I can not access any of my bank statements which just shows me that CHASE has something to hide, I have contacted the FDIC and if I must I will take further actions to get the issues resolved as well as receiving compensation for all the hardship, stress and financial issues that CHASE has caused.

They have stolen money from me and there have been weird transactions appearing on my account even after I was told that the account was closed and this happened without warning or knowledge of what is really happening with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is XXXX XXXXXXXX XXXX
Product: Checking or savings account

I deposited {$50000.00} from my personal checking account to my AMEX personal savings account. Although the funds have been verified, withdrawn, and received by AMEX, I do not have access to the funds and AMEX can not explain why the funds are in limbo. I understand delays in available funds for transaction verification purposes, but this is much different. The funds have been verified and the transaction is complete. This equates to fraudulent activity on behalf of AMEX.
Product: Debt collection

on XX/XX/2021, i notice a negative item on my report from NATIONAL CREDIT ADJUSTERS , LLC for XXXX that i do not owe.i sent them a letter asking for the validity of the alleged debt at hand and they hasn't replied with the proper information thus far. i have attach a copy below for the record.
Product: Mortgage

Seterus has been dragging out our 'deed in lieu ' proceedings for over a year, now ( XX/XX/XXXX-XX/XX/XXXX ). it is now XX/XX/XXXX. We were unable to keep up with our mortgage due to unscrupulous renters and our overwhelming medical bills. Seterus advised us that 'deed in lieu ' was the best option for us. But since then, they have repeatedly 'lost ' papers/docs and ask us to resubmit. Then, because of these suspicious or even manufactured delays, other docs expired and those had to be resubmitted. This, as far as I can remember, was all done by phone. I 'm not sure about there being a paper trail of this game. Now, Seterus has called and said they have lost the entire file and we must resubmit everything for them to be able to proceed. Please help us and stop Seterus from any more games or unscrupulous banking practices. I 'm sure they are violating some Federal guidelines or banking ethics or protocols. Please help. They have now bought an insurance policy on the rental and are billing us for it. This expiration of the policy we had on it was also due to their delays. 

XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Calif., XXXXe-mail : XXXXXXXXXXXX phone : XXXX : " Home '' below means the rental prop'ty not the home we live in. 
" Concerns '' over losing it means the manner in which we are losing it.
Product: Checking or savings account

On XX/XX/23 I attempted to pull out {$12000.00} for a medical procedure from my Citi Bank savings account. I was unable to use the ATM card provided by Citi bank due to a transaction limit. I called and discussed different options such as transfers and wire transfers to other accounts that I could utilize to gain access to the funds. Upon discussing this with multiple reps this day I determined Citi Bank was making it very difficult to gain access to the approximate {$19000.00} I had inside of my savings account. I spoke with one last representative after transferring {$10000.00} via wire transfer to my XXXX XXXX account and discussed that I could not transfer anymore or pull even {$800.00} out of the ATM and that I was highly frustrated that even though I had not reached my {$5000.00} spending limit in the past 3 days, I was still unable to pull out cash to cover the remaining balance of my procedure. He walked me through initiating the wire transfer to my external bank account for the remaining amount in my savings account because I feared at this point that I would not have access to these emergency funds in the future. I initiated that transfer on the phone with him on XXXX for {$8800.00} less the amount for the {$25.00} transfer fee, to my XXXX XXXX account ending in XXXX. I received an email stating it was pending.on XXXX I realized the wire transfer had still not recorded into my XXXX XXXX account. I went to my Citi Bank banking account and noticed I lost all access to my Citi bank account. I was unable to log in and see my balance and verify anything. I called to verify the transfer only to find out that my account was closed! It was referred for closure by Citi Bank and they were unable to disclose why. They did not want to disclose my balance at the time of closure and the reason for closure. I stated multiple times I needed access to these funds for medical purposes. I was referred multiple times to the fraud department and verified my identity a number of ways. They refused to worked with me transferring me multiple times and telling me that my funds will be mailed in the form of a check to my address in XXXX days. I feel Citi Bank did not want to release my funds from the very beginning of this entire transaction. They have {$8800.00} of my funds and will not disclose why they can not release it and why they have closed my account. I have included a photo of a transfer to the Citi bank account when originally funded from the XXXX XXXX account I was attempting to wire money back to.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account XXXX, with XXXX XXXX ; due to reporting in accurate late payments on a closed account. TransUnion denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against TransUnion. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! TransUnion has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances getting house.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.
Product: Credit card or prepaid card

In XX/XX/2019 we had fraudulent activity on our Chase credit card. It was discovered when a package showed up on our door from XXXX that we did not authorize or order. We immediately contacted Chase within 30 minutes and found that there were numerous other fraudulent charges on our card. Chase advised that we would not be held responsible for these unauthorized charges. Chase immediately closed down our account and re-issued a new card. In total there were approximately 10 fraudulent charges that occurred before the account being closed down. 

Chase conducted their research and removed all but one of the fraudulent charges on our account ( the one that alerted us to the fraudulent activity ). Chase notified us that the XXXX charge for {$420.00} would remain our responsibility since the package was delivered to our home address. We explained to Chase numerous times that we did not order this product and have contacted XXXX to attempt to have the merchandise returned to them. Our assumption is that the fraudster did not change the billing address to a separate mailing address when completing the transaction with XXXX. XXXX was not able to help us on the return due to the fact that we did not have a receipt for the purchase. 

After initial Chase claim decline, we filed a reconsideration request and asked Chase to provide the merchant documentation proving that we ordered the product for {$420.00} ( how card was information was provided, IP address, signatures, etc ). Chase stated it needed to go through legal review before sending to us. We have escalated numerous times over the past several months and have not received any additional documentation except for an additional claim denial. I have left the case manager, XXXX ( ext. XXXX ) and have not received a response back after multiple messages left. 

The merchandise is for a drone, bag and memory card which I have offered to send to Chase or XXXX but neither have been willing to accept it.
Product: Checking or savings account

I opened an personal checking account, the account was open for only three days before it was suspiciously closed. The bank did not assure my account 's safety or follow customer service protocol.
Product: Credit card

In XXXXXXXX XXXX XXXX I opened a credit account through Synchrony Bank to complete home repairs through a general contractor. When I applied for the credit line I specified I would like to open an account for fixed APR that I can pay over time. I have been making payments on the account on time for over a year and have held numerous accounts with Synchrony Bank in which I have paid off in full. 

On my most recent statement an interest charge of {$2900.00} was applied to my account. I contacted customer service and requested to have the interest charge removed because it didn't reflect the credit offer I selected when opening the account. I was told that I signed up for a promotion term that deferred interest and would be applied if balance wasn't paid in full prior to expiration. 

I informed the individual I didn't sign up for such terms and requested documentation with my signature proving I selected such term and was told they do not have a signed document from the contractor and can't remove the charge.

I asked how its it possible that they couldn't provide or retain documentation for terms I signed up for and was told talk to the general contractor because they can not help me.

I had a similar conversation with a manager and was told the same.
Product: Credit reporting or other personal consumer reports

I terminated autopay on my Care Credit account so I could manually select the account each month. This made me forgot to make a payment made on XXXX and XX/XX/year>. After receiving a letter in XXXX I called into Care Credit and made an automated payment. The automated system asked if I wanted to pay the past due amount ( {$100.00} ) plus the XXXX payment that was due. This payment successfully was debited from my checking account on XX/XX/year>. I submitted a inaccurate reporting on XXXX. The dispute was completed on XX/XX/year>. It states that as of XX/XX/year> I am past due in {$100.00}, but this is inaccurate. The account balance for my Care Credit even shows that nothing is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XXXX/XXXX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXXXXXX XXXX XXXX XXXX with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at XXXX XXXX, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXXXXXX XXXX XXXXXXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the XXXX XXXX credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at XXXX XXXX As of today - all three credit bureaus still show I am at XXXX XXXX credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/ 2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at XXXX XXXX - and none of the credit bureaus have corrected this NOR have they issued back the credit points I lost because of this.