23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXCFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX and subsequently, I want JPMChase to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
XX/XX/XXXX, I applied for JPMChase Mortgage Refinancing for my JPMChase ARM Loan XXXX, for which my JPMChase-calculated Credit Score was about XXXX 
XX/XX/XXXX JPMChase represented to my Homeowner 's Insurer, XXXX, that it had Closed on my Refinancing Package for my JPMChase ARM Loan XXXX on XXXX XXXX XXXX XXXX IL XXXX  seven ( 7 ) days BEFORE my scheduled XX/XX/XXXX XXXX XXXX, Closing at XXXX XXXX.
XX/XX/XXXX JPMChase 's Appraiser conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to JPMChase. That day, JPMChase represented to my Homeowner 's InsurerXXXX XXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with JPMChase as Primary Beneficiary, for my {$120000.00} First Mortgage, and as Secondary Beneficiary, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via First Class Mail, by XX/XX/XXXX XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED.
XX/XX/XXXX, JPMChase Mortgage Specialist XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XX/XX/XXXX, XXXX XXXX I arrived there by XXXX XXXX XX/XX/XXXXI continue to assert my federal civil right to review my HUD-1 for my XX/XX/XXXXRefinancing Application.
I want JPMChase to use the Highest Credit Score that it has calculated for me, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX [ Phone Number ] XX/XX/year> XXXX XXXX : Request for Removal of Collections Accounts from Credit Report Dear XXXX I am writing to formally request the removal of certain collections accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau XXXX CFPB ). After reviewing my credit report, I have identified the following accounts that I believe should be removed : XXXX. XXXX XXXX : MCA managementcompany  **Account Number** : XXXX **Date Reported** : XX/XX/year> XXXX. **Creditor Name** : [ Mca management company **Account Number** : XXXX **Date Reported** : XX/XX/year> Under the FCRA, I am entitled to a credit report that is accurate and complete. Additionally, CFPB guidelines support the removal of inaccurate, outdated, or unverifiable information from credit reports. I request that you investigate these accounts and remove any incorrect or outdated information. 

To support my request, I am enclosing the following documents : - A copy of my credit report highlighting the collections accounts in question. 
- A copy of my identification ( e.g., drivers license, passport ) for identity verification. 
- Any relevant documentation related to the collections ( e.g., payment confirmations, correspondence with creditors ). 

Please complete your investigation within the time frame required by the FCRA, which is typically 30 days, and provide me with a written update on the outcome. Additionally, I request an updated copy of my credit report reflecting any corrections that have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX This is a copy of the dispute I have sent but it is coming back as verified but that's not true. I asked them to send me the original contract with my original signature on both these accounts but I haven't received it yet and I asked for these collections to be removed from my consumer reports but it is still being reported only to XXXX and XXXX I don't see this reporting to XXXX I want this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update info despite proof being provided by company and uploaded in correct formatting as per website instructions. 5 times over 6 months and no changes.
Product: Money transfer, virtual currency, or money service

I bought a receiver from XXXX using PayPal. My preferred payment method was set for PayPal Credit. PayPal tried to take money from my bank account instead. I did not have enough money in that account so I stopped Payment. PayPal then had a choice to make. They could use my PayPal Credit account, which had plenty of credit available on it for the receiver or they could use my regular PayPal account which had a balance of {$0.00}. In their wisdom, they chose the PayPal account with {$0.00}. They paid the merchant {$570.00}, which caused my account balance to plummet to - {$570.00}. Now they want me to pay them back. I originally asked them to use my credit account because I didn't have the cash to buy the receiver. I still don't have the cash and I don't know where PayPal thinks it's going to come from. I can't give what I don't have. I complained to the Ohio Attorney General. PayPal 's response was that my bank was my preferred method of payment ; and that I chose to use my bank account with under {$100.00} in it to pay for a receiver that cost over {$500.00}. I'm afraid that, unlike PayPal, I understand that I can't pay for something when I don't have the money unless I use credit. This response from PayPal was also the first time they said my bank account was my preferred payment method. I have been communicating with PayPal for over a month about this and not one other person has told me that. Those who chose to tell me said that my PayPal Credit account was what I had chosen as my preferred payment method. So PayPal 's response to the Attorney General included false information. I'm afraid that they will change their records at PayPal to match their lies and there will be nothing I can do about it. They have lost all of my trust.
Product: Credit card or prepaid card

My sister and I purchased som skin care products on a trip. My purchase would not got go through so the retailer said he would put my purchase on my sisters card. I dont remember signing anything for another purchase, I was charged for the product and my sister was charged for two. We later realized we got to purchased and paid for 3. My XXXX  card has opened a dispute about 5 times and they give me reason to close the dispute because I didnt give them any information the next letter would say I didnt get the information to the on time. I was suppose to get and update after 73 hours but never did. This happened XXXX. Amount was {$200.00} and {$160000.00} is with Citi bank The company was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Case XXXX XXXXXXXX this company is so unprofessional. They have closed this account so no longer have the full credit card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. 

XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE  dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. 

On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove the 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 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, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was power of attorney for my father up until his death on XX/XX/2019. 
PNC bank has continued to send me his bank statements indicating that he owes {$34.00}. 
He had no money after his burial. The State of Pennsylvania tried to recoup money for Medicaid. Pa declared him insolvent after I showed them receipts for his burial expenses. I sent this letter to PNC. He left no will. I am not his estate representative.

I have called PNC many times and sent his death certificate. I asked them to stop sending me his bills. I receive form responses with no name attached. PNC is inflicting emotional distress on me by sending me bank statements for a second mortgage my father had that shows he owes {$34.00} ; for four years since he died. Every time I receive these bills I am sad. Sad that my father is dead. Sad that he worked all his life and had nothing upon his death. Sad that PNC doesn't care. Today 's bill was for a minimum payment of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried removing a XXXX bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now two attempts through equifax as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

There were inquires in my credit report that was not authorized by me. 

XXXX  XXXX : Date :XX/XX/2019 XXXX XXXX XXXX XXXX XXXX : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit score alerts from EXPERIAN. Recent score alerts sent on XX/XX/XXXX and again on XX/XX/XXXX (twice). For no reason at all my score dropped 28  points! This should be illegal! Nowhere in there section as to why scores would be negatively affected does anything apply. Literally every month my score changes and drops extremely from the current score for absolutely NO REASON!I do know that once CFPB gets a response from this agency that you close the case and that in itself is shameful as no matter what the agency says, nothing happens! YES, I am EXTREMELY upset as it has taken me a very long time to clear out my credit for things for the most part was not mine. Now, for NO REASON they lower my score considerably and with NO explanation! This needs to be stopped and stopped immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, Equifax and XXXX requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX XXXX  and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
Product: Payday loan, title loan, or personal loan

I was a victim of identity fraud. An unauthorized account was opened with Kikoff. When I tried to contact them they initially asked for my name, last XXXX social, and address. After complying I was sent an additional affadavit form asking for XXXX pages worth of information which I do not feel comfortable giving out. I have not had any similar issue with a different institution when I reached out to them regarding an unauthorized account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX  if of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious serious concerns about user safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section XXXX civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.
Product: Credit reporting or other personal consumer reports

Company was reporting XXXX balance now reporting incorrect balance
Product: Credit reporting or other personal consumer reports

Transunion failed to have creditors verify account. Information on report incorrect. Collections are continuing to update accounts although there sold
Product: Student loan

I am co-signer on both of my XXXX something year old children 's student loans. Navient has been calling me 4-6 times each day, 7 days a week for over a year now, demanding I pay their loan balances. They have also sent me literature stating they will take whatever means necessary to get the money from me. 
Both of my children have deferments as they are taking XXXX for their XXXX XXXX and further education. 
I am retired now, and only have a pension for income. What can be done to stop Navient 's harassment of me?
Product: Credit reporting or other personal consumer reports

There is an account on my credit report with the account number XXXX reporting that I was 60 days late in XX/XX/2022. I was never late on this account and there are no prior late payments reporting so how does this meet FCRA requirements? There should have been a 30-day late payment prior to the 60-day late payment. In XXXX, I did experience billing errors, but I spoke with management years ago and at the time there was no derogatory marks, so I am confused by this misinformation. I do understand that this can be a problem in itself with the CRA 's, but I wanted to reach out to the source. If this is in fact an error on the credit reporting agencies end, please reach out to them to have them fix this error as this is affecting me. I was never sent an information regarding this late payment reporting and I would love if this were updated to paid as agreed, never late, without escalating this matter.
Product: Debt collection

XXXX promised me a refund for a phone after I cancelled a transaction. I never got the phone. The refund never came. XXXX started sending me bills and I didnt pay since it isnt my debt and I didnt get a phone. Then a collections agency started trying to collect money that I dont owe on a debt that is not mine.
Product: Debt collection

I was contacted by XXXX XXXX from Levinton Law Firm about a debt for workers compensation on a company that closed down in 2021. Everyone has been advised of this including the law firm, the creditor prior, and the company we closed the account with. The emails are threatening in nature and they have failed to provide, repeatedly, the other information I am entitled to... I have asked for the information below with no luck. In addition the emails have come in with no email signature and I have no idea if this is even a real or legal company. I have also asked on several occasions to submit to me a letter in a professional matter with all the company information on it and XXXX has refused. I have all the emails as confirmation. Furthermore, the last email I received from XXXX at Lebiton Law Frim was to state that " That is only needed if we were to litigate in local jurisdiction '' and is still refusing to submit the documents I have requested.

-I need a letter showing that this account was legally assigned to your firm. Not a letter from you to collect but a document showing this account was legally assigned to you for collection, from the original creditor. 
-I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
-The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed -If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
-Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay
Product: Credit reporting or other personal consumer reports

Theses Inquiries are fraud and is an attempt to get credit in my name. Never applied for these companies to XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX BANK XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX OF Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX # XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX # XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX