23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX auctioned my property off on XX/XX/2021 when I was current and had no issues with my mortgage and payments. They never warned me or notified of any pending sales. 
XXXX refused to admit they made serious mistakes in their accounting and probably dismissed all documents I sent them without taking a look. 
On XX/XX/XXXX The Superior Court of New Jersey, XXXX County ordered them void the sale and return all property documents to my name. They still have not complied with the court order. 
Now, Kondaur Capital, LLC, Is now threatening to foreclosure on the house even though XXXX have not complied with the Court Order and may have no standing to foreclose on the property. Kondaur is the second mortgage company/servicer to contact me. The first company was XXXX. 
I need help with dealing with these myriads of financial and mortgage company who are playing with people 's lives and destroying families. 
I did what I was supposed to do. 
Thank you XXXX XXXX XXXX - XXXX
Product: Student loan

I want to register my complaint with regard to the unfairness of the public service loan forgiveness waiver Ive worked for the XXXX of XXXX for 20 years, have always made my loan payments monthly all these years and still can not qualify for any type of loan forgiveness!!! Every other coworker I work with has managed to have their loans forgiven and I will never have that advantage. That is so very unfair!!! When I decided to go to a XXXX XXXX, I wasnt given a choice of where my student loan funds were coming from or be serviced byI was just happy to be going forward on a XXXX XXXX. My loans are through XXXX XXXX Bank and I suppose I will pay on them until I die that is so very unfair!!!
Product: Credit reporting or other personal consumer reports

Please reference complaint XXXX. In short, Nelnet will not correctly report information on this student loan account. The loan was discharged in XXXX after my XXXX died in XXXX. I was the co-signor on the loan. Nelnet confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/24, but that Nelnet furnished information indicating that I am deceased on XX/XX/. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that Nelnet is to blame here. Unfortunately, Nelnet is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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. 1681s-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.
Product: Mortgage

Dear CFPB I requested the consumer finance protection Bureau assist me in closing on a mortgage CFPB case XXXX. My complaint was closed after Chase Bank responded with a false explanation of facts and the RESPONSE TYPE was closed with an explanation. 

CHASE bank sent me information on my home loan with two separate loan numbers. I requested payment history for the life of the loan and this is a legal requirement for home lenders to provide. Whether or not Chase Bank was involved with Loan origination, they are responsible for keeping records for the loans they acquired. They also failed to provide a full payment history on how additional payments were applied. 

I was instructed by XXXX XXXX the CEO at the mortgage department to fax all correspondence to XXXX XXXX. I have gone into the branch to fax these documents to this person. Chases responses was that my request for information was not a qualified written request and are improper. This was never communicated by Chase bank in their response to my request. They also claim that a qualified written request or notice of error should be sent to Chase Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Because documents were faxed to the CEO, it is her responsibility is to get these documents to the proper department. Obviously this was not done. 

There are two loan numbers pertaining to my loan and multiple errors made in the application of payments that were not corrected despite me faxing notice of error to CHASE bank. Example, my loan maturation date is XX/XX/2022, my payments are XXXX a month instead of getting credit for additional payments to this loan, the payments were added to my principal and now my loan balance is XXXX vs XXXX.Origination date stayed the same CHASE bank CEO then sent an apology letter stating the bank had made an error in calculating my principal balance but no accounting was provided. I am currently working with an accountant who can verify the validity of my claims. Ex. I sent CHASE bank a copy of my first year of double payments to this loan showing that my principal balance had decreased to around XXXX in XXXX this was not reflected on CHASE documents and they failed to provide me within explanation on how they calculated the principal balance when they did start servicing my loan. I am requesting assistance finding clarification and truth in lending with my loan mortgage payments for the life of my loan, I understand my loan was not originated with CHASE but they should legally have records of entire loan history. 

I would really appreciate CFPB assistance in working with me to resolve these unfair and what appears to be illegal banking processes by CHASE bank. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got XXXX hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXXXXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Checking or savings account

I received a text message from XXXX stating the following : " Associated Bank : Did you attempt to use your debit card for {$2000.00} Scheduled XXXX Payment Reply Y ( Yes ) or N ( NO ) Msg & data rates may apply. '' I do not have XXXX, nor do I have {$2000.00} lol. 

Additionally, I have been called by private numbers twice since. Also, I have been called by XXXX and XXXX, and they are persistent and definitely malicious.
Product: Debt collection

In accordance with the Fair Credit Reporting act Capital One, collection XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I submited a claim for this transaction with Chase : {$1100.00} on XX/XX/XXXX, XXXX XXXXXXXX under the claim id XXXX. I answered all the letters the bank sent me, signature, description of the merchandise, etc... 
They gave provisional credit a few days after submitting the claim but a few days ago, on XX/XX/XXXX the provisional credit was charged without any information, letter or reason for this denial. 
Im still waiting for the XXXX XXXX XXXX that i bought on the store. But they never sent it, answer the emails and phone calls.
Product: Checking or savings account

On XX/XX/23 I was scammed by a two people. 1 person posed to be an XXXX computer cyber security who tricked me into believing my account was used for purchases of XXXX XXXXXXXX in XXXX and I had to call TD bank to assure my account is put on a 48 hour hold to prove it was not me. He took me through steps on my computer and called TDbank on 3 way.. i was tricked into going to XXXX and making XXXX purchases. I called TD bank my self when I realized I was being scammed. I called immediately after and explained to the real TD bank representative at time of call that I was told to go make XXXX  purchases and I was told to text yes on my text message. I explained to her I figured out I was being scammed after the first two purchases in the amount of {$200.00}. I told her the gentlemen posing to be TD bank representative told me to text yes. I found it suspicious and did not proceed with the additional purchases. However, TD bank the actual representative said that the transaction can not be in a pending status to be disputed. She said it has to go through and then they can dispute it. So I proceeded to wait till ; the next business day to call and dispute it. They denied the dispute do to me texting yes. So I called and told them the story again and said I was told to text yes. I also have proof of the text messages the scammers sent me. She then said that I needed to fill out a police report with all the findings and resubmit the dispute. I did. I provided the date and times and there are even recordings of when I was coming in and out of the location talking to the people on the phone in a scurry looking worried and confused. Unfortunately, I was denied again. When I called the the supervisor by the name of XXXX, proceeded to tell me it was not enough evidence, and he stands with not giving me the refund. MY complaint is. I showed proof by calling the day of and the call is recorded. I called before the transaction went through to tell them not to put it through. Yet they could not and advised I let it go through.. then they now wanted more proof and request a police report. So I go through XXXX and relive the horror of the scam and I was still denied. Whats worse is I am accused of participating in the sale and I feel discriminated against and judged. I was manipulated into the sale. I suffer from an underlying condition that causes confusion i wouldnt particpate in such actions. I needed the funds for a procedure. I expressed this with TD bank and said I can provide proof of this as well..they did not care. The supervisor did not care to listen to the previous recordings or look further into what I was told by previous representatives who felt I deserved to receive it in my favor. I clearly proved I was scammed, and I followed exactly what I was told to retrieve my funds back yet I was still denied. I just opened an account with TD Bank and because of this I am being forced to close my account because I am no longer wishing to conduct business with banks I can not trust. Account Reference # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed.

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Product: Debt collection

Although I have made a payment towards my loan and have clearly expressed my intentions to pay back this loan whenever I have income coming in, EmoneyUSA continues to threaten and harass me with reporting me to local authorities for fraud or sell my information to other agencies for further collection efforts. I just made a payment of {$80.00} as of XX/XX/XXXX and they continue to harass me by threatening further collection efforts. When I lost my job and had no income coming in after I received the loan, I immediately expressed my situation to EmoneyUSA and asked for options to help me pay back while in my situation. They refused to work with me and threatened to report me to the authorities for fraud despite expressing clear intentions of paying back the loan and explaining my situation I had no income coming in at that time. I started a new job but was told misinformation Id start XX/XX/XXXX when in fact, my start date was pushed to XX/XX/XXXX causing a major delay income and not being able to make the first payment by XX/XX/XXXX. This circumstance is beyond my control and all I can do is pay back when either tax refund money or first paycheck comes in.
Product: Credit reporting or other personal consumer reports

Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all XXXX credit profiles XXXX XXXX Transunion you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/2020 my leased vehicle was involved in an accident which resulted in a total loss of the vehicle. The lease was with Honda Financial Services ( HFS ). HFS was notified by my insurance company of the loss and payment was made to HFS by my insurance company. HFS continued to process the monthly payment on the vehicle for the months of XXXX and XXXX even though they were aware the vehicle was a total loss. The last billing statement I received for this vehicle was in XX/XX/2020. The statement indicated {$0.00} due and I believed this account was settled with my insurance payment.On XX/XX/2020 I received a notice from HFS indicating my lease had expired and I was in default of the lease. On XX/XX/2020 I received a notice from HFS indicating they wrote off my account and sent it to a debt collection company. I tried to access the account on the HFS website, however, all access to this account has been denied and I was referred to Customer Service. When I spoke to a Customer Service Rep and requested to escalate my call to a Manager, I was denied and eventually hung up on. I believe that HFS violated several consumer protection laws in not allowing me access to my account, taking negative action against me without notice and not allowing me to dispute and/or resolve my concerns with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase Credit Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the credit bureau connected to the Chase Credit Journey website and Chase Customer Service then Chase Credit Specialist Unit and also the Chase Credit Journey Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of 139 points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, Chase Freedom or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from Chase and XXXX and was told to ask a Licensed Credit Advisor.  I'm on Social Security Disability and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one particular account on my credit report was incorrect when I reviewed it again.

Here is the aforementioned account : XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.
Product: Credit card

JP Morgan Chase is threatening to cancel my credit card I have had for 15 years WITHOUT XXXX late or problem unless I fill out a XXXX! They already have my current address and SS #, all my legal information AND I have never now ( nor have I ever ) worked for them as an individual or independent company! THEY DO NOT NEED THIS INFO! If they lost it or the company has been compromised then I should not have to provide it again anyway. I 'd like to file a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Ive contacted the company. This is not my debt. I have no knowledge of it. They are now stating the amount is {$860.00} instead of XXXX something. Which I dont care because Ive never made a payment due to having no knowledge of it. I do believe its identity theft.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file on TransUnion, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. Theaccount is with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is a case of IdentityTheft. Please remove this account from my credit file.According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say XXXXall bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my TransUnion Credit file. I also request a credit report from TransUnion credit Bureau send at my residence XXXX XXXX XXXX, XXXX, NJ XXXX... ..... I have also attached FTC report for this.
Product: Checking or savings account

A fraudulent business account in my business name was created at BMO US. I received an email at XXXX XXXX on XX/XX/. I received two more emails at XXXX XXXX stating that my contact information had been updated. I have called the phone number on the email, and it connects me to BMO XXXX and they do not have an account for my business. The account was opened with Harris BMO US. 

I have been on a call with around 6 agents, and not one of them has been able to fully address the situation- whether the account has been frozen or not. It seems like BMO US is seeing a lot of fraudulent activity ( based on XXXX posts ). It seems like Harris BMO US has not done anything to rectify the situation.
Product: Debt collection

SEQUIUM ASSET SOLUTION shows up on my credit report, but this is not my debt. I don't know what this is
Product: Mortgage

Re : XXXX XXXX XXXX, SS # XXXX, XXXX XXXX XXXX, XXXX, MA XXXX : XXXX Second Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Satisfaction and Discharge of Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX for Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Whom It May Concern : This complaint and attached documentation is to prove the Expiration of the Statute of Limitations, inaccurate, fraudulent Charge Off credit reporting, and denial of credit and selling of HBSC account to XXXX XXXX XXXX as Statute of Limitations has expired for the above referenced XXXX XXXX XXXX. 

HBSC did not accurately report payment history of accounts and I request the information be removed from Credit Reporting agencies. 

Sincerely, XXXX XXXX XXXX