23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.
Product: Debt collection

My account was sold from XXXX  XXXX to XXXX XXXX XXXX. XXXX has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.
Product: Credit card

Citicard has a payment option for me to pay my XXXX  XXXX  monthly payment and my deffered balance. My XX/XX/year> statement had a deffered balance of {$2300.00} and XXXX  payment is {$150.00}. I selected the option to pay off deffered balance and make XXXX  payment and paid {$2500.00}. They applied my whole payment to the XXXX  balance. They keep saying it's federal law they must apply over payments to highest apr. But if that's true why does their site have other options. I can not get US customer service only foreign and they read from a script and don't understand. I mailed a letter to US office and got same reply letter about federal law.
Product: Debt collection

I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called XXXX XXXX XXXX for the amount of {$260.00} I have no knowledge of this debt so I sent XXXX XXXX XXXX a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from XXXX XXXX XXXX in regards to the validity of this debt. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like XXXX XXXX XXXX to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX 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 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 t
o a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted this bureau a total of five times. They were contacted on XX/XX/XXXX  twice, Once on XX/XX/, once on XX/XX/23 and finally on XX/XX/. 
Every time I called, my request was the same. I asked this bureau to remove the comments from an account. To date, the comments still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX- XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THESE COMPANIES and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has once more violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

spoke with XXXX  on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX and Transunion | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}
Product: Vehicle loan or lease

Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.
Product: Checking or savings account

I went to 3 different branches to wit drawl money and was not able to. The 3 branches did nit have access to the safe.
Product: Bank account or service

I was unhappy with Chase Bank that someone did not come and pick up me bringing to Chase Bank at XXXX XXXX XXXX last few days ago. I told you for many times that I can not alone filled out applicants on Chase Bank because of they will declined my checking/debit/credit.. I did not get bonus money {$750.00} for Chase Bank that I had many horrible disappointed that I did not get {$750.00}. I can not using telephone & videophone call Chase Bank. I ca n't accept making a call Chase Bank and i do not want fill out online applicant, so I want a live person meets with me into applying Chase Bank online while escort care team work what I want meeting with male in highest position as what I wanted in XXXX, XXXX as Chase Bank did not bring me to XXXX, XXXX or other location, that I need getting out of town immediate action as I need someone gets acquaint with me in horrible complaints since 1990 to presents. Tell Chase Bank that I was not happy with XXXX XXXX XXXX issues. Please show sad icons on check from XXXX XXXX XXXX released notification to Speaker XXXX XXXX when Chase Bank male official with Chase Bank takes my XXXX XXXX XXXX check with sad icons to XXXX at formal charging requests forward to XXXX XXXX XXXX and others. show Psychologist doctor takes look at what wrong with meet on my sad icons on rent check. I do not allow calling out to Chase Bank or any bank PLEASE BRING ME TO XXXX XXXX XXXX AT FORMAL REQUESTS : I do not like XXXX XXXX XXXX & U.S. Department of Housing Urban Development.involved with Chase Bank, XXXX, XXXX XXXX XXXX, and other bank must be notified to XXXX XXXX XXXX as in addition, tell XXXX XXXX that I do not like U.S. Department of Housing Urban Development. I was unhappy with unfit resident of XXXX continually in increased complaint notification to Speaker XXXX XXXX at formal requests both all of above comments must forward to male official with Chase Bank that he can takes care of my complaint issues to XXXX at formal charging requests. Bring me to XXXX or other location under Chase Bank requirement! 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/20 XXXX XXXX XXXX from XXXX XXXX XXXX contacted me on my cell phone and left a message. She proceeded to call my husband and gave him detailed information on my debt. She also contacted my employee around 10 minutes later. Personal information was shared with both places. I have left numerous messages asking the caller to cease and desist activities but to this point, she has not complied.
Product: Mortgage

Please note that this is my second complaint against the same company regarding the same mortgage.     I am purchasing a property for the first time. I was advised to lock in my mortgage rate, guaranteed that I would receive a loan commitment letter the following business day  ( Monday ).  I did not receive it until weeks later. I am purchasing a co-op, and the process is lengthy, every single day of a rate lock counts. I advised the mortgage company that I did not want this rate locked in any longer, as I did n't receive the commitment letter timely.     Additionally, it came to my attention that my credit was run by  PHH another time before my rate lock, and a delinquent account appeared. I was never advised of this account by anyone at PHH,  and only knew this affected my rate until early  XXXX  when   XXXX   advised me  ( 2 mon ths later ).     I am now being told that they can not change my rate, and that it was extended after I advised a supervisor at   PHH that this was not what I wanted.
In addition to this, I was told that I can not lock in another rate unti l 60 da ys after my current lock expires. This is unacceptable, as the only reason the current lock even occurred is due to PHH being unethical in their practice  s and misinforming consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX 2015 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the XXXX  data breach and would like these errors removed from my credit profile as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX account on my credit report. I am requesting that XXXX XXXX account is deleted off my credit report and credit file.
Product: Checking or savings account

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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I paid ( {$9.00} ) Western Union ( Quick Collect ) to wire transfer {$430.00} to my bank, XXXX XXXX XXXX XXXX. The clerk accepting the money asked for my name, address, phone number and account number. I gave her my bank deposit slip showing the information that she asked for. She typed in the information then provided me a receipt from the store and the Western Union receipt. I wanted to wire this money because I had a payment deadline to meet the next day,  XX/XX/XXXX. 
I waited about an hour when I got home then checked my account on my mobile phone for the deposit and it was not there yet so I again waited for another while before calling my bank. I had paid for this wire transfer at XXXX XXXX and it was almost XXXX XXXX. and my bank checked everywhere for a deposit but no deposit had been received! 
I called Western Union customer service and spoke to an agent, XXXX, at XXXX XXXX He checked for the transaction and found that it had been sent in error to a different company, a company called XXXX Credit Card! He told me he was sending that company an email advising them of the error and requesting a refund from them and that I would have to wait 24 to 48 hours for them to get " permission from them '' to refund my money! I called again the next day and spoke to XXXX. He said they'd had no response yet and give me a case # XXXX to refer to. I called 48 hours later and spoke to XXXX and she advised me they still had not received a response to their email! I requested to speak to a manager or supervisor. I spoke to a supervisor, XXXX. He said they had to wait for a response to the email " authorizing Western Union '' to refund my money! I told him that they, WESTERN UNION was responsible for the error in transmitting that transfer and that WESTERN UNION should refund my money and " they '' wait for their refund! He said that he couldn't do anything but wait.

I had to borrow money at last minute to make my payment on XX/XX/XXXX but now I need that money back to pay what I owe but they don't care. 
I have waited 8 days and called again today. I spoke to XXXX today and he checked but told me exactly the same story -- '' they haven't received a response to their email and they can not refund my money until they get permission from XXXX Credit Card ( the company in error ) to refund it! I asked to speak to a supervisor. I was transferred and the phone rang 14 times but no one answered! They refuse to help or refund my money! 
I am retired and live off my fixed social security income. I don't have the luxury of waiting like Western Union can wait! Please help. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Chase Bank client for more than 15 years. I applied for a credit card and immediately they run a hard inquiry on my credit report without having the documentation needed. Weeks later, I received a letter saying that they need more documentation to complete the application. To make sure, I went to a Chase Branch an a Chase '' s business specialist checked the documentation and sent it by fax to them. On XX/XX/XXXX, I received an email saying that the documentation they received were illegible and they sent me a link, so I sent the information again. This week, I spent 1 hour 45 minutes waiting for a customer service at the Lending Department, no answer. On Tuesday I waited for 2 hours 16 minutes and somebody answered but the communication went down. Today, XX/XX/XXXX I called at XXXX XXXX  somebody answered the call at XXXX at the Lending department and said that the documentation is there but has been transfer to the Senior Specialist Department and he transfer me there and they said that the application has been denied because the documentation was not enough. I accept the decision even when my credit score is over XXXX, it is their decision. I requested the hard inquiry to be removed from my credit report because they run my credit without having the documents complete for the application which It is completely unfair for the customers because the only reason I continue with the process it is because they run my credit report. They should run the credit report when they have the application and documentation complete it. The customer service told me on the phone that he will be transferring me with the person in charge of the inquiries reports but I have been transfer to started over with the general customer service and then I've been transfer 3 more times and at that time I gave up on my desire to ask for a fair customer treatment. 
Warm Regards, XXXX XXXX XXXX # ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act conversion has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission 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: Debt collection

XXXX XXXX XXXX and XXXX XXXX did not at anytime send me an invoice, but has instead reported on credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX Both of the incidents involved after care/ XXXX   XXXX. I lost my employment and had 0 insurance at the time and due to diagnosis of XXXX follow up care is mandatory. 

This coincides with present complaint ( XXXX-XXXX ) I filed against XXXX regarding their not honoring XXXX XXXX. In that case XXXX waited 2 years for me to return to work and then immediately filed a judgement against me. To date I have not received any information regarding that complaint nor have I been refunded {$9300.00} XXXX XXXX XXXX states since XXXX went back and disallowed the XXXX XXXX 2 years after the service then there policies state they will not honoring the XXXX XXXX either and given the date of service ( XX/XX/2016 ) their policy is to place for immediate collection and report on credit bureaus. 


The practice of waiting for 2-3 years and not honoring their own XXXX XXXX policies and randomly billing years after the fact is very underhanded.