23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have called and attempted to get the problem resolved apparently my monthly payment for XXXX was received and deposited for {$700.00} on the XXXX of XXXX which the Customer Service representative noted on their computer. The payment was due on the XXXX of each month but in XXXX I had reached out to Lending Club and requested that the due date should be changed to the XXXX of each month which they were acceptable of this new due date. I keep receiving emails letting me know that my XXXX payment has not been received. Their payment history also has the payment recorded as being received but yet I keep receiving late payment notifications. My loan # XXXX
Product: Checking or savings account

I deposited 2x {$1000.00} checks, 1 {$1500.00} check, and 1 {$2000.00} check to chase. They were from my family. I also received {$250.00} from roth staffing via direct deposit.

Chase claimed these were fraud, wouldn't accept their ( my family 's ) phone numbers for verification. 

I called ( yesterday, XX/XX/XXXX ) and now they are saying after the account closed ( same day ) I will only be receiving {$75.00} of my {$5700.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with Equifax ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Product: Credit reporting

Due to your insisting that a verification was made, I further researched this matter with my attorney. It comes to be that you lied on the last response. All you did was turn to a data furnishing company such as  XXXX   XXXX  or  XXXX , reading information off of a website and held that information to be verified and true. Since you said that you have verified the information, it should be easy to produce a few facts so I can personally go down to the courthouse and verify YOUR process wit h the county clerk. Please provide me with the following information : 1. The date and time you made the call 2. The name of the person you    spoke to 3. Verifi cation documentation referencing the call and the outcome.   Should you not provide me with this information within 15 days, my attorney and I are ready, willing and able to file a lawsuit against your company. I am going to publish the response you gave, that you have verified the information, to a public website whereby anyone reading it will file a suit against your company as well. I am also filing a complaint with the attorney general to prove my case.   What interests me the most is the fact that on the attached credit report, in the space where it says " court '' you left it blank. Which means you are providing false information. Remove this bankruptcy immediately to avoid embarrassment and monetary loss.
Product: Checking or savings account

Id like to know if I owe anything to this bank so I can begin building a positive relationship and possibly opening a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says that my personal information was likely stolen and they can do nothing about it. I did n't give them my information, they collected it. I have no way to make them delete my information and they appear to be untrustworthy stewards of my information since it was stolen. They want me to waive my rights to sue them in order to try to protect myself from the identity theft that may result from THEIR loss of my information.
Product: Debt collection

Hi XXXX XXXX XXXX / Lvnv Funding llc : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Response to Loandepot XXXX XXXX/XXXX/XXXX The information Loandepot mention & provided are n't true. When we Refinance our home in XXXX XXXX with loandepot. Homeowner insurances was still active from " XXXX insurance company ''. I contacted them several times. and they sent me proof and I 'm sure I disclosed to loandepot such proof of homeowner insurance then. all through XXXX & XXXX still active. I do n't know where loandepot got their information from. But, they are n't true. We have gone through hell with their Dishonest services with our Refinance since : Terrible Dishonest, trying hard to find ways to twist their dishonest service foremost. but, the fact of the matter is : they tried very hard to suppress my VA entitlement benefit to purchase our home in the first place. Our Fundamental Right : right that is considered by a court ( as the U.S. XXXX COURT ) to be explicitly or implicitly expressed in a XXXX ( as the U.S. XXXX ) A court must review a law that infringes on a " fundamental right under a standard of strict scrutiny. according to how they treat and served us : because of my character as a " XXXX '' XXXX from XXXX XXXX. which also falls under invidious discrimination type of service as fundamental right is concerned. Including : False statement 1. an assertion that is not true, especially one made in words as distinguished from verbal conduct. any conduct or representation that violates a " False statements statute '' any federal or state statute making it a crime to make false statement. Or could be " frolic of one 's own conduct by an employee outside the " SCOPE OF EMPLOYMENT. '' OR " FRUIT of the POISON tree '' evidence derived from information obtained through an illegal search or other illegal investigative technique, such as evidence is generally subject to the EXCLUSIONARY RULE TO THE SAME EXTENT AS THE ILLEGAL OBTAINED INFORMATION THAT LED TO IT. IN THIS AFOREMENTIONED. NO SATISFACTION WITH THEIR COVERED UP EXCUSED.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is reporting outstanding debts to XXXX and XXXX however both were paid. I need to be removed from chexsystems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I filed a police report and submitted information to Experian but they have failed to remove the false information.
Product: Mortgage

I applied for a loan modification with my loan service at loan care in XX/XX/2021. I was previously on the covid 19 forbearance plan. I was told by a representative after calling into this company that my loan modification was approved and the new mortgage amount was modified to {$1300.00} and the payment was not due until XX/XX/2021. I was also told to look out for documents in the mail which was my loan modification agreement and was instructed to have the documents signed and notarized and sent back to the company. I did as I was told and in XXXX I called to make the payment and was told that my loan is no longer XXXX and the new amount is {$2100.00}. I was told that I was approved for the partial claim loan modification and I must adhere to the terms of my loan modification agreement. When I pointed out to the services that The language in the loan modification agreement that I signed does not match the partial claim loan modification plan they acknowledge the error and keep telling me that they are evaluating my case and expedited it to a supervisor for review and corrections. I have asked this company to provide all documents pertaining to the partial claim loan modification including the promissory note for the partial claim portion of the loan. To date I have not received it. I am concerned because although the company is telling me verbally that I have been approved and is reviving the covid 19 partial claim loan modification my new mortgage pay reflects that I am on a regular loan modification and not the partial claim loan modification. In addition I have not received as per request proof from their company that I am receiving this partial claim loan modification. Please help me with obtaining proof that I am in fact on the partial claim loan modification In written form so that I can see how my loan was changed. My name is XXXX XXXX my loan number is XXXX. I can be reached at XXXX, Thank you
Product: Mortgage

Mr. Cooper bought my loan in XXXX of 2023 and this is a 2nd time that we are receiving email that we are receiving email that some personal info were leaked. See the latest email : On XX/XX/2023, our information security team identified an external threat to our network and locked down our systems while we resolved the issue. Over the following weeks, our investigation revealed that certain customer personal information had been compromised. We have been working closely with cyber security experts to determine the full extent of the impact. 
We can not pay our mortgage or be able to use website if need any info regarding our mortgage. I also do not feel safe with this mortgage company and the way they are handling business
Product: Vehicle loan or lease

I have co-signed on a loan with my partner for a car on XX/XX/XXXX for a XXXX XXXX XXXX through a car dealership who partnered with JP Morgan Chase. Shortly after, prior to making the first payment, my partner entered bankruptcy. Upon entering bankruptcy, my partner 's online access to make payments disappeared and did not receive any statements. I had also not received any communications via mail, e-mail, or otherwise. I was not given any online access to make payments either. 

On XX/XX/XXXX I was notified through my credit monitoring that I had a past due balance that was reported as a negative remark on my credit reports. Upon investigation, it was JP Morgan Chase who had summitted the remark. After speaking to her attorney, my partner contacted them immediately and spoke to their car finance department. Through her conversation she was told that they were unable to contact her at all due to the active bankruptcy and couldn't contact me either as it was against the law. However, they told her that she could work with them and make her account current and then have me call their credit department to ask them to remove the negative remark and tell them it was because I was not notified and had no way to pay. She made a payment for {$1700.00} and it cleared on XX/XX/XXXX. She asked for a receipt but they said they were unable to provide one due to her bankruptcy status. She also received instructions on how to make future payments moving forward. The charge did clear from her account and Chase reflected the payment on the account. 

I attempted to contact Chase on XX/XX/XXXX and spoke to their credit department. After some back and forth they eventually told me that on their end they see the negative remark as " correct '' and I would need the auto department to " open an investigation '' before they would do anything. I then spoke with the auto department who told me it was best to wait until the payment cleared. On XX/XX/XXXX I contacted the Chase auto department again and asked them to open an investigation, they refused to do so saying that they were following the law and the payment was indeed late. After speaking to a supervisor, they said there was nothing they could do. They proceeded to say they sent one letter in XXXX to both my partner and her lawyer with a notification that the account access would be removed and instructions on how to make a payment in the future but neither party had received that notice to which they said " too bad, we sent it ''. This also came up for the first time after speaking with over 10 different reps, none of them mentioned this. 

My frustration is that I will show a negative remark on my perfect credit due to a past due payment I had no notification existed ( even after it was past due, I only found out because of my credit report ). I had the resources to make a payment as a co-signer if needed but I wasn't even given a chance to do so. Chase, refused to make it right.
Product: Vehicle loan or lease

I have been paying on my car loan for over five years now. According to the truth in lending statement signed XX/XX/13, my original loan was for {$16000.00} at an annual percentage rate of 15.95 %. My simple finance charge was to be {$8400.00}. So total price was {$25000.00} of which I paid {$1000.00} down, leaving me with {$24000.00} to pay. Payments were to be {$370.00} per month for a total of 66 beginning XX/XX/13. I will admit I had some difficulties with payments a couple of times, but I worked hard to make them up by making extra payments. There were times I would pay over {$1000.00} to my account to make up for missing payments. However, here we are, five years later and according to my lender I still owe {$11000.00} on my loan. I have tried to have them explain this to me. I have asked how this was possible considering my TIL statement. They can not give me a straight answer. I was looking to pay off this loan and be done. But with this much owed, it is impossible. I can not even trade the car in! I have asked for and received a ledger showing the amounts I have paid over the last five years. It does not make a whole lot of sense because half way through they changed computer systems. But, adding up the amount of my payments I get a total of {$26000.00}. This is over what my TIL statement claims I should have paid.
Product: Mortgage

XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Product: Credit card or prepaid card

took XXXX weeks to get my unemplement to be approved and finally when its time to collect thru us bank reliacard thats when the issue start i m in my XXXX week now waitting for them to send me a prepaid card but never got it and every time i called the want id verify or they telling me the fraud departement is stoping it. 
playing games with people money its not a game we have bills to pay and rent to pay and i m not gon na be evicted and live in the street in this cold wheater becouse those people dont care or dont know how to do their jobs their custmmer service is not trained or have the knowledge to fix problems or find a solution. fighting the scammers by punishing innocent people like us is not the right way to do it. 
us bank not a good choice for a goverment contract
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I called the creditor XXXX to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that XXXX never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company SenteyCredit and settled to be paid, which cleared, and I received a born in full statement. Now XXXX is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2021 and XXXX of 2021 I was a victim of a fraud scam with over $ XXXX and my bank ( bank of america ) didn't even try to protect me by looking into the company that Iwas wiring the money to I was starting a business abroad in 2021 and went to my bank around XXXX of 2021 to speak to my banker from bank of america about the business and the amount of money that was going to be involved, because it is a gold trading business. As I trusted my bank ( bank of america ) and they assured me that they would make sure the company that I was doing business with was legitimate before allowing wire to go through or protect me from fake or fraudulent companies. I went to bank of america to make a wire to the company that I was doing business with and the wire went right through, thus i assumed the company was legitimate and I went overseas to XXXX ( XXXX ) to purchase the gold. It turned out that the company was a big time fraud company and they've scammed many people and the company is still in business. I stayed in XXXX to get them arrested and get the law to deal with them which they did get arrested : however, i feel like my bank ( bank of america ) didn't even try to look into the company in which i was wiring the money to in XXXX. I have tried speaking to bank of america and they have not helped me, I've been through XXXX, I've lost my car, my house because of this and even have been sued. 

I made a wires on the following dates on XX/XX/2021 amount {$130000.00} On XX/XX/2021 amount {$310.00}, XXXX On XX/XX/2021 amount {$86.00}, XXXX
Product: Credit card or prepaid card

I moved back to the states in 2019 and opened a credit card account with Bank of America on XXXX to begin to reestablish my credit in the US. 

I transferred {$1000.00} to this account from my checking thinking that I could use the funds as I was accustomed to prior to my leaving the US. 

No one ever contacted me from Bank of America to tell me that this was not allowed and all the while I was using my account assuming I was spending the money that I deposited. 

Sometime later I received a late notice and I contacted them immediately over the phone as this was during Covid. They then informed me that the transfer was not allowed and my only option was too is open another account and close this one # XXXX. 

They never told me that the delinquencies would be reported on my credit report as I never went above {$400.00}. 

I am trying to build a new home and in the process of this my credit report was pulled and I discover that this is negatively reflecting on my credit report, I have tried to get Bank of America to remove this account as this happened as a result of their inability to take care of a customer who was acting in good faith but was unaware of the rules and I have been told that they will not do anything,
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activities appearing on my account with your company. I never opened this account or conducted any business with your organization.
Product: Credit card or prepaid card

Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.