23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Mortgage. They stopped sending me bills. I always pay my bill right when I receive it in the mail. They went 2 months without sending it. I did not sign up for paperless statements, and was not contacted by Chase saying they were making me go paperless. I had an XXXX credit score, and enough money in my savings account to completely pay off the loan. At the same time I didn't realize I hadn't received my bill, therefore out of sight out of mind. My parents in Kansas both came down with XXXX, and my mom who can't XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to fly to Kansas and was there for almost a month, during which time my dad died from XXXX, and we had to move my mom to XXXX XXXX, and pack up their house and move their stuff out. During this time, I was completely consumed by my family emergency, and the loss of my dad. I was not contacted once during this time by chase to let me know they had not received my XXXX payment. I came back for 1 week XXXX there was nothing in my mailbox. And I had assumed I had paid every bill that had arrived. I flew back to Kansas to finish helping my mom. I flew home XX/XX/10. It was at this time that I received a letter stating that chase hadn't got my XXXX or XXXX loan payment. I paid both months immediately, and called chase to explain the situation. I was assured numerous times on the phone call it would not be reported to my credit report. Fast forward to XXXX credit report. It dropped from XXXX to XXXX in one month because chase did report it to my credit report. I have logged over 8 hours on hold and speaking with agents at Chase to resolve this. I have been given a different story by multiple agents, mis information, and bold face lied to. I finally requested them to pull the recorded phone call so they could hear for themselves what I was told. After 2 weeks of waiting for their 24 to 72 hour review, I was told they couldn't find the recording. 2 weeks later I was called, and told they had reviewed the " missing '' call and it didn't say anything about my late payment and not reporting it. I have finally been escalated to the executive office of Chase to A research analyst named XXXX. I have know idea how much longer this can go on. In the meantime, they raised my loan from {$3400.00} a month to {$3900.00}. They state that an escrow review required it. I've tried to get to the bottom of that too to no avail. My taxes have not gone up. My insurance changed by {$200.00} a month. This doesn't warrant 30 years of {$430.00} more monthly. Chase has been an absolute nightmare to deal with. Please help.
Product: Credit reporting or other personal consumer reports

My wife has a loan, but I asked them to provide me a copy that I cosigned. They said they would send a copy of the contract to my home and never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Equifax to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold a property from my multi-collateral loan in XX/XX/2024. At that time, the loan was supposed to be 're-cast ' where loan amount would be updated, payment amount would be updated, escrow information updated etc. This never happened. Directly in violation of the contract terms. Now ( as the funds were misapplied by the lender ) the annual escrow analysis was erroneous. Instead of my monthly payment going down, it has gone up significantly due to the accounting errors by the lender. It is approximately XXXX higher per month than it should be. 

I have sent multiple emails and made multiple calls ( all of which are documented/saved ) including correspondence from the lender stating that the errors would be fixed with a specific timeline. We are now 60 days past that timeline. 

I can not get a response from either 'loan specialist ' that are supposed to be helping with these type issues. XXXX XXXX or XXXX XXXX. I have also tried the customer service email to no avail. I simply ask that the terms of the note be followed. How is this not fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to obtain the credit to which I am entitled because Equifax, XXXX, and XXXX are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ).

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card. 

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ).

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.
Product: Debt collection

I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.
Product: Credit reporting or other personal consumer reports

I found a number of personal information mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES THAT NOT AUTHORIZE
EXPERIAN XX/XX/XXXX

XXXX XXXX/XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX, Used
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX 

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX 
XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, NV XXXX
(XXXX) XXXX 
XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, NV XXXX
(XXXX) XXXX

XXXX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Complete Department Stores
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Mail Order Houses - non specifc
XXXX XXXX XXXX XXXX XXXX, WI XXXX
(XXXX) XXXX

XXXX
XX/XX/XXXX
XX/XX/XXXX
Auto Reseller
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX

XXXX/XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Automobile Dealers, Used
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 

XXXX/XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Automobile Dealers, Used
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Miscellaneous All Others
XXXX XXXX XXXX XXXX, WI XXXX 
BYMAILONLY

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXXXX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Mail Order Houses - non specifc
XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
(XXXX) XXXX 

XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX, CO XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX, CO XXXX
(XXXX) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the inaccurate account that needs to be investigated and updated : XXXX XXXX XXXX : {$160000.00}
Product: Mortgage

I have tried for several years to refinance my mortgage loan with PHH. There is an average wait time of 10 mins to get an actual person on the line. Then the after repeatedly being put on hold, I would usually just hang up after 30 mins. There is ALWAYS a " greater than average hold time because of increased volume ''. How can that be? No matter what the time of day! 
So finally I refinanced away. I'm in NY state, so I'm looking to take advantage of XXXX to avoid having to re-pay mortgage tax. Thus I simply need to have PHH assign the mortgage to the new lender so they can file a XXXX and associated fees. 
My new bank 's attorney has done hundreds of these, and tells me PHH is the only firm that can not seem to understand this process. They need an attorney contact to work with and the process handled quickly. The attorney was first told that the client needs to request. I've now had three 35mins+ phonecalls where I'm repeatedly put on hold and they clearly have no idea what an assignment is, nor what XXXX is ( fyi you can XXXX  it ). They told me to fax a letter to their legal department and someone would respond within 48hours. No response. I sent email to the customer service department to follow up. No response. Now they want me to file an inquiry with research department and they will respond within 30 days. I give up! I will need to just pay the tax just to get away from this awful company. Their customer service is worse than XXXX or XXXX ... and that's saying something!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and need some help clearing my name.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention multiple incorrect addresses listed on my credit report. I have never resided at these addresses and have no knowledge of them. I believe these inaccuracies are a result of identity theft, as multiple accounts, loans, and credit builders were opened in my name without my consent or knowledge. 


I have been a resident at the following address for the past 5 years and 5 months : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX However, upon reviewing my credit report, I discovered the following incorrect addresses associated with my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can assure you that I have never lived at any of these addresses nor had any financial dealings associated with them. The inclusion of these addresses on my credit report has had a detrimental impact on my creditworthiness and financial reputation. 


I kindly request that you update your records and remove these incorrect addresses from my credit report. Furthermore, I urge you to conduct a thorough investigation into the fraudulent accounts, loans, and credit builders that have been opened in my name without my consent. 


I have taken the necessary steps to report these fraudulent activities to the appropriate authorities, including filing police reports and placing fraud alerts on my accounts. I have also contacted the following financial institutions listed on my credit report, which were involved in authorizing these fraudulent actions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you work with these institutions to update their records and reflect the fraudulent nature of these accounts. 


I understand that resolving this matter may require some time and investigation. However, I kindly ask that you keep me informed of the progress and provide regular updates on the status of my dispute. 


I appreciate your attention to this matter and your assistance in rectifying the inaccuracies on my credit report. Please feel free to contact me at the address provided above or at [ Your Phone Number ] if you require any further information or documentation. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : 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 I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX and XXXX Account Type : Credit card
Product: Credit reporting or other personal consumer reports

I noticed unanthorized inquiries on my credit report that I would like removed include the following # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX # XXXX Macys/CBNA XXXX XX/XX/XXXX # XXXX XXXX on XX/XX/XXXX according to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). Equifax, XXXX, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information. 

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, Equifax, XXXX, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : 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 card

I was alerted in XXXX by XXXX and Chase, that there was a change on my credit report. I received an email from Chase that more information was needed from me before my application would be reviewed. I thought it was a scam so I deleted it. Then I learned from XXXX, after checking my credit report that someone applied for a Chase card in my name. I contacted XXXX immediately, and they provided me the number for Chase to call. Chase fraud dept. immediately denied the application, XXXX updated all three credit sites to note fraud was suspected and to contact me directly for any reason. A few days later, the same thing happened. I contacted Chase again, the application was denied and this time I went to all three credit sites to freeze. I went to a Chase branch to pick up the necessary forms, to submit a claim to obtain the applications received. I received the forms today. 

Reference # XXXX XX/XX/XXXX : Application submitted by XXXX XXXX XXXX XXXX XXXX  Application Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Telephone ( XXXX XXXX XXXX ) - this is not my phone Cell - XXXX  - I only have a cell phone Alternate N/A Social Security Number XXXX XXXX XXXX XXXX  - this is my SSS. I checked the SSA site and I don't see any sign of damage or fraud, nor have I received anything, but I don't know how this person has my SS # Date of Birth - XX/XX/1963 Income - {$98000.00} - this is actually incorrect, I am unemployed Mother 's maiden name - XXXX - this is incorrect. XXXX is the married name email : XXXX IP address : XXXX Employer - NA Position with Employer Employed Employer Telephone NA Authorized User : NA Authorized User Date of birth NA Reference # XXXX Application submitted by Internet for Chase Freedom card on XX/XX/XXXX at XXXX XXXX  Application name : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Home phone XXXX XXXX XXXX Cell NA Alternate NA SS # XXXX Date of Birth XX/XX/XXXX  Income XXXX annually Mother 's Maiden name XXXX email address XXXX XXXX address XXXX Employer NA Position Employed NA for Employer phone, Authorized user and authorized user date of birth
Product: Mortgage

The mortgage company had escrowed the property taxes into the mortgage payment. During the month of XX/XX/XXXX I received a notice from the county tax bureau that the home was being sold for non-payment of taxes. I contacted the mortgage company and they said they would resolve the matter. As it turns out, they had not paid the taxes for the years XXXX, XXXX, and XXXX. The combined taxes, penalties, and other costs come to over {$6900.00}. Now they are trying to assess me for the those fees. I had requested a payoff estimate which should have been around XXXX. They are now asking for XXXX to cover the closing cost and the escrow shortage they created.
Product: Credit card

On XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from what I believed was the online XXXX XXXX. Upon receiving the email for my order number, I reached out to cancel the order after realizing the size of the merchandise was not the size I needed. The email I sent came back with, no domain/invalid. I decided to wait until my order arrived and then promptly return it. After a couple of weeks the order never arrived. On XXXXXXXX XXXX XXXX XXXX XXXX I reached out to the XXXX Customer Service email again that sent me that order number, but again it was no domain/invalid, so I searched for the XXXXXXXX XXXX  and messaged them via chat about the issue. It was then that I was informed that the order number I was given was not valid, no order existed nor did they have a XXXX XXXX nor have they ever had one in their warehouse to sell!!! I was scammed! I checked my Chime account and found that the transaction I made to this XXXX XXXX went to the personal XXXX account under devinesmall and nothing associated with the XXXX XXXX. I then filed a dispute with Chime over the matter only to be denied. Then I filed an appeal, submitted evidence only to have the dispute denied again! I have never had this issue with Chime before and have even filed two disputes in the past to receive funds WITHOUT evidence, and now that I have evidence of a scammer they act unprofessional and deny helping me retrieve my stolen money.
Product: Credit card or prepaid card

I started this credit card with capital one over 10 years ago and every time I apply for credit line increase they denied me. After 10 years with them my credit line with them is {$4000.00} only. My credit score is good, no negative items, payments always on time and they still turn me down.