23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX
Product: Mortgage

I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was  Guild  Mortgage  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  the broker that I dealt with was  XXXX   XXXX  Loan Officer  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX  M :  XXXX  | F :  XXXX  NMLS #  XXXX  | Company NMLS #  XXXX . Before filling out the app I asked him if he had an employee by the name of  XXXX   XXXX  which he responded yes I told him that she lives  XXXX  behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX services has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was shared without my permission through other company during the data breach under the FRCA act my information cant be shared without my permission
Product: Credit reporting or other personal consumer reports

my information was exposed and compromised. As a result false and fraudulent items report on my credit report. Experian has failed repeatedly too remove these accounts from my credit profile. These accounts are not mines and reporting inaccurately. False and inaccurate reporting is a violation of FCRA. 15 USC 1681i ( a ) 30 day response 15 USC 1681i 6 ( b ) challenges investigation 15 USC 1681i ( a ) 5b challenges reinsertions I demand these items be removed from my credit profile immediately
Product: Debt collection

I have tried to dispute this debt on my credit report twice already letting them know I have lived in Michigan for the past year and a half. Having a medical charge from Texas while I have been living in a women 's shelter across the country is impossible, let alone two of the same charge from an AssetCare LLC. These are dated XX/XX/XXXX for {$980.00} in XXXX, Texas. I have lived in Michigan sincXXXX XXXX XXXX XXXX and currently reside in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Product: Debt collection

I sent a letter to Santander Consumer USA letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Santander Consumer USA refuses to delete the fraudulent accounts from my credit report stating in a letter its verified Santander Consumer USA provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day delinq uencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent by  U.S. M ail to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Product: Consumer Loan

On XXXX XXXX 2016 I contacted Harley Davidson regarding a trade line that has been listed on my account. I do a show here that they deleted the Tradeline, however, they did not delete the inquiries. I have never owned a Harley, nor have I ever applied for one. Please listen to the attached recorded call as Harley Davidson can NOT find me in their system, yet they continue to report negative information on my credit report. Please also find attached letter that I have sent to try and resolve. 

At this point I feel that the damage has been done and Harley has violated FCRA and FDCPA, which to my understanding entitle me to around {$1000.00} per violation + attorney fees. I do not wish to litigate, but am prepared to do so if this issue does not get resolved expediently. I am requesting that Harley Davidson not contact me by phone and only do so by USPS Certified mail or via the CFPB Portal. 

Looking forward to a hopefully uneventful resolution. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the Credit Bureaus to investigate proper reporting regarding my Credit Report. However, I still see issues with my Credit Report. XXXX and Experian are still reporting I had late payments with the following Student Loan accounts. This CFPB complaint ( # XXXX ) was previously fixed with XXXX on XX/XX/23, however is not reporting the same with the other Bureaus. I ask for them to remove the accounts entirely, or properly report they were paid on time and never late. 
Thanks, XXXX
Product: Consumer Loan

Recently I learned of a problem with our XXXX 2015 car payment. The loan is serviced through M & T bank out of XXXX NY. The problem they say is that I did not make it. Normally I make the payment in my local branch and call it in. For XX/XX/XXXX I went in and took care of the payment at my local branch office Normally I go to the branch and have them take the payment from my checking. In XX/XX/XXXX I made my payment over the phone still unaware that there was a problem with XXXX 2015 payment with a live person. Shortly after making my XXXX payment my spouse told me she received a message from the bank about this loan. Knowing I was current I did not call them back until XXXX/XXXX/15. Per this call I was advised there was nothing wrong and even talked about a pay off amount because the vehicle is all most played off. Going forward thinking everything was fine on XXXX/XXXX/15 we received a letter dated XXXX/XXXX/15 stating a problem with our payment and account. I called the bank quickly and learned they did not have XXXX 2015 payment. Shocked as I was I advised that I would check my checking account statement and ended call. After review of my XXXX 2015 statement it was clear the payment was not taken from the checking account. I returned a call back to the bank on XXXX/XXXX/15 and learned they have applied my XX/XX/XXXX payment to XX/XX/XXXX and have applied XXXX late fee 's for {$56.00} dollars. I explained that the account has never been late and I was not sure what happened with the XX/XX/XXXX payment. I also agreed to get it made up. I requested them to remove both late fee 's due to them not telling me when making my XXXX 2015 payment over the phone there customer service rep failed to explain my XX/XX/XXXX payment was getting applied to XXXX 2015 payment. I explained this was wrong for them to do without telling me and also advised on XXXX/XXXX/15 was told everything was fine. They admit no wrong and could see it noted on the account I called on XXXX/XXXX/15. M & T refused to remove both fee 's. I feel I have been treated unfair and unjust. The bank mistreated me because they did not inform me of the problem when making my XXXX 2015 payment I incurred a XXXX late fee 's. The Supervisor that I spoke with on XXXX/XXXX/15 admits they are not responsible for miss-informing me on XXXX/XXXX/15 everything was fine. I have the name and employee ID of the Supervisor that refused to remove both late fee 's
Product: Checking or savings account

I have an online and mobile banking account with Citibank for 5+ years. I have two active credit cards and 3 closed savings account that are linked to my online credentials. The credit cards have been active for multiple years. The 3 savings account were closed around XXXX 2021. I am able to view statements and manage payments to all 5 accounts up until XX/XX/2021. 

In XX/XX/2021, I am no longer able to access my online banking account including mobile banking. Every time I login, I am directed to an " Activate Your Card '' page. This is not due to an incorrect or invalid username or password. I have no cards to activate and I can not get past the card activation page to view any of my accounts. This is the same behavior observed on the Citi mobile app. 

Multiple citi representatives have confirmed that : 1. I was able to successfully login. Confirming that there are no issues with my login credentials.

2. They were able to verify that I have 5 accounts. ( 3 closed savings and 2 open credit cards ) No one has been able to offer a resolution to regain access to my accounts. Credit card department says issue is with my closed accounts. Banking department says the accounts are closed and they can not override the Activate Card page. 

The fundamental issue is a bug in their online banking system. Why am I being redirected to an Activate Card page when no cards have been sent to me to activate? Why should a closed account prevent me from seeing my active accounts? Why is this issue taking place now when no changes have been made to my account since XXXX 2021? 

I need access to my online account to : - Pay my current credit card balances- View and manage the two active credit cards - View banking statements for the three closed bank accounts - View 2021 tax documents for the three closed bank accounts I've called 3 times, talked to credit card department 3 times, transferred to tech support twice, transferred to banking department 3 times. No one has been able to resolve my issue and I am still not able to login to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I've been a victim of identity theft and never applied for any XXXX XXXX XXXX XXXX on Experian.
Product: Debt collection

O had my wallet stolen and thief was able to use the funds on my platinum card visa in the year of XXXX  around XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

My complaint is about Wells Fargo Home Mortgage and Wells Fargo XXXX XXXX. 
I applied for forbearance and deferment in XX/XX/2020 for 6 months on both my home mortgage and my equity line that was offered to me by Wells Fargo. They told me that both loan payments would be deferred to the end of my loans. ( Files Attached ). Now they are saying that neither loan qualifies for deferment to the end of each loan and I have to start making missed payments or my home could be subject to foreclosure. 
In early XXXX, I started getting statements on both loans that said that I would have to start making the " forbearance '' payments on both loans or I could lose my house to foreclosure. 
I called Wells Fargo Home Mortgage to discuss this and reiterated that I was told in a recorded conversation that both loans would be deferred. The representative that I spoke to told me that my XXXX mortgage loan was sold to an investor, and the investor is now insisting that I bring my loan current. I said that my agreement was with Wells Fargo and not an investor and that it was their problem. 
I was told that the equity line was a " warehouse '' loan and didn't qualify for a deferment. 
I blew a gasket and was given the number to the " executive office. '' I called and spoke to a woman there and told her what was going on. I asked her to listen to the recordings that offered me forbearance and deferments on both loans. She told me that my case would be assigned to a case manager. 
My case was assigned to XXXX XXXX. He left me a message the 2nd week of XXXX that they were still investigating and someone would get back to me by XX/XX/XXXX. On that date, I was called and spoke to XXXX XXXX, my new Case Manager. He told me that they were still investigating and would get back to me with an answer by the end of XX/XX/2020. 
Today, XX/XX/XXXX, XXXX XXXX called me to tell me that they were going to refer me to the XXXX XXXX Department to figure out how to make the " missed payments '' or how to liquidate my property. He said that because I was one month late on my home mortgage and equity line that they could not defer my payments. ( I brought both loans current in XXXX. ) When I told him that this was never part of the recorded discussion, he told me that was all he could do. I asked to be transferred to his supervisor, XXXX XXXX, and am awaiting his call.