23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I did not discover that I my mortgage pay off to JP Morgan & Chase was in question until today. 

I assumed a XXXX XXXX  in XXXX after being notified by JP Morgan that they were going to foreclose on my home due to the terms of the mortgage that I initially assumed had expired. 

I was able to secure a XXXX XXXX on XX/XX/XXXX thereby averting the foreclosure with JP Morgan. The Realtor that facilitated the sale was XXXX XXXX with XXXXXXXX XXXX located in XXXX, AL. We closed and I was informed that I was not getting any monies in hand. The only benefit was that the Mortgage company, ( I believe at the time was XXXX XXXX, XXXX California ) would assume payments. I didnt contend. I was grateful to keep my home but was a bit disappointed that I wouldnt receive any monies in cash. 

I am actively seeking a loan from USDA to do home repairs. I discovered today during a conversation with a current Representative from XXXX XXXX, the company that now holds my loan, that her records indicated that I was paid XXXX with XXXX being paid to JP Morgan & Chase. I informed her that I never received any money ; that I was informed I had no monies due me. She advised me to look into it. 

I contacted the Settlement Agency as advised, XXXX XXXX XXXX AL at XXXX on XX/XX/XXXX. A female Representative informed me that I needed to contact the company who received the payoff. 

I contacted JP Morgan & Chase on XX/XX/XXXX and spoke initially, with XXXX in Customer Service who told me that there was no record of any such loan with them under my name or Social Security Number. He connected me to the XXXX Department at XXXX this same date. He informed me that a XXXX  XXXX requested that I fax over everything I had to them. I responded no, that I needed to speak to someone. Later I was connected with a XXXX, who identified herself as an XXXX XXXX who also stated that they had no information on me having a loan with them. 

Later that evening, I received a call from XXXX of JPMorgan & Chase at XXXX who stated that she found my record but that she didnt see any record of their company receiving g anything other than {$100000.00}. Again, she requested that I fax her all the info that I have to them. I refused because I suspect that they/someone took {$69000.00} from me. 
If this is true I have been grievously defrauded. 

My home was appraised at I believe, {$190000.00}. I would like to know what happened to the rest of the monies less Realtor fees, etc. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the XXXX XXXX XXXX XXXX XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized. Then they came back saying the court verified it when the court sent me a letter saying they did not. Transunion is committing fraud.
Product: Mortgage

I had my mortgage through nation star when I recieved damage to my roof from a hail storm. 
I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was scammed for a total of {$990.00} via XXXX XXXX. I had been corresponding with an individual who had offered to sell me 9 pairs of shoes, which were to be shipped to my home, for a total of {$990.00}. 

I paid this user {$990.00} on XX/XX/XXXX via XXXX XXXX, and the money was withdrawn from my Bank of America debit card. After several days, I had yet to receive the shoes, and the merchant refused to provide tracking information. After some time, it became clear that the merchant had no intention of shipping the shoes, so I requested a refund directly from the merchant as I had not received the product I had paid for. The merchant refused, however. 

After the merchant refused my refund request, I opened a claim with Bank of America in order to dispute the transaction as I had paid for goods or services which I never actually received. Bank of America promised according to their {$0.00} liability guarantee that they would refund my money if their investigation was able to determine that the transaction was fraudulent or a scam. 

However, Bank of America recently denied my claim and refuses to pay me back my money which I was blatantly scammed out of. Furthermore, they have been extremely difficult to deal with throughout this process, as attempts to reach them by phone have only resulted in being on hold for hours before eventually being hung up on. Furthermore, when I attempted to visit their offices in-person, I was told to reach them by phone.
Product: Debt collection

My cable TV and Phone service was installed by XXXX on XX/XX/XXXX. Soon after the installation the TV and phone were disabled and the main cable box was displaying Video Registering. After my complaint to XXXX, many attempts were made by their technicians with no results. They said that my television was causing the problem. I contacted XXXX and after tests were made they concluded that the problem was the cable box. Due to the spreading of the virus my wife and I, seniors in our XXXX decided not to have techs over. We have lived with this problem for the past 8 months. We paid every month if full including the month of XXXX although we did not receive full service. ( See attached ) On XX/XX/XXXX we switched over to XXXX. XXXX wants us to pay {$180.00} for XXXX because we canceled their service 2 days into the month with no service provided. We have no contract and I was not told of this rule. 
Thank you, XXXX XXXX
Product: Mortgage

I spoke to XXXX on XX/XX/2021 with regards to an open misapplied payment by SPS back in XX/XX/2021. I have called numerous times to and spoken to both SPS representatives along with Management to resolve this misapplication of my payment every time both the representative on the phone and the management assured my that they saw the misapplication of the payment and not to worry that it would be resolved shortly some representative would say within 5 days some managers would say 45 days. I waited patiently relying on SPS to rectify this situation. I was told that there would be no 30 day late on my mortgage and my credit report would not be affected. It is now XXXX XXXX at XXXX pst and I still have no resolution. I had no date that anyone can give me with a date certain on the resolution of my issue. I look forward to having this addressed.
Product: Debt collection

XXXX XXXX XXXX is attempting to garnish wages after the debt was confirmed as paid in full.
Product: Student loan

Hi there, I have tried multiple times in the past three months to make my student loan payment through Aidvantage and each time I get an email confirmation that my payment has been processed, and then a few days later my account shows a payment reversal. I don't even get a notification or email that the payment has been reversed until I log-in and take a look at the account. I have sufficient funds in my bank account so I know it has nothing to do with having enough funds- and have now received three letters of delinquency from Aidvantage threatening to share with a collections agency because each time I think the payment goes through - it actually doesn't. After looking at my bank statements, I see that the payment is never even sent to my bank account for processing and when I spoke to my bank they confirmed that they have absolutely no record of a payment transaction at all from Aidvantage. When I try to get in touch with Aidvantage customer service, they are absolutely no help. 

Best, XXXX
Product: Vehicle loan or lease

I'm tired of going back and forth with this company. I keep requesting the payoff amount in writing, not email. The customer service is horrible. I'm tired of getting different payoff amounts. First, it was {$1600.00}. Then it went to {$240000.00}. I called the customer service line to request a letter to be sent to me about the debt, not an email. I asked the customer service representative for the payoff amount because it keep changing. She said it was for {$2400.00}. I said I thought it was {$1600.00}. She said no it's {$2400.00}. I'm tired of not receiving the debt in writing and the different payoff amounts. Now I receive yet another email saying they want the balance in full which is {$8100.00}. Then another email the next day for the payoff amount of {$1600.00}. I called in again to see if I could make payments toward the balance and they refused to work with me. I don't go by email, it could be anyone. I want the debt in writing with the company 's letterhead to be mailed to me. They need to make up their mind about how much they want me to pay. I can not pay the amount in full at one time, I can make payments toward the balance, but which one?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I see my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$11.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am writing this letter to Synchrony Bank and enclosing evidence to show The negligence of Synchrony Bank. I am experiencing a double charge to which Synchrony refuses to fix. I have worked along with ParkWest galleries to try and fix this issue. and Parkwest issued a letter stating I was double charged and will be working on it with SYnchrony. Thus far, nothing. They did say however, It is a Synchrony Bank issue. My following proof is numbered by me and circled in every top right corner of the page. Highlights are in my notes, with each piece of document that I have presented to you. 

1. my invoices of my paintings that I purchased on XX/XX/2023. Since this date I have not made another purchase with ParkWest or use a Synchrony Credit Card.

i. I put on a loan with Park West, nothing to do with Synchrony Bank. 
ii. the remaining balance was {$24000.00}. 
1. {$20000.00} To Synchrony Bank credit card 2. {$4100.00} to my XXXX XXXX XXXX XXXX 2. my Loan contract with Park West that has nothing to do with Synchrony Bank . 
3. financed paperwork minus my downpayment. 
i. {$60000.00} purchase price ii. Minus my downpayment of {$12000.00} iii. Equals My debt with Park West not Synchrony {$48000.00} 4. Another breakdown sheet and my credit card payments to Park West Debt, not Synchrony. 
5. I highlighted my payments. 
6. My credit card statement ( s ) that show exactly what I paid. 
7. As my paintings were received by me I received my first portion of Parkwest Synchrony Bank debt of {$7600.00}. Date XX/XX/2023. 
8. My last payment to my Parkwest Synchrony Credit Card of {$12000.00}.

a. If you add the two amounts, guess what, it comes out to {$20000.00}.

b. Look at the bottom of the page, under payment summary, it matches the total of {$20000.00}.

9. I was charged again for {$12000.00} taking my Synchrony Credit Card to a {$32000.00} debt. This is an erroneous charge. I was charged twice for the same painting.

10. I have called several times and even changed my card and called and had my account reviewed over and over and Synchrony refuses to fix the issue 11. I have made some payments in the process as you can see. From your webpage 12. My sales draft and promotional terms for my Synchrony Bank card, {$20000.00}.

13. Some emails that I am in communication with Parkwest. If you read their letter, It shows once again that I was charged double for a piece of art at the total disputed amount of {$12000.00} After my emails with Parkwest, I received an email from Synchrony sees this as a unique and not a duplication. This is absolutely ridiculous. I would like to receive a courtesy phone call to discuss this matter further. XXXX XXXX XXXX
Product: Debt collection

WFBNA XXXX, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account XXXX XXXX XXXX XXXX XXXXXXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX is not resolved. 

Company 's Response : Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 

Apparently, Equifax is in unable to comprehend what they read! Therefore, I will try it again. Maybe a picture will be easier for them to understand. ( attached ) WHAT INFORMATION IN THE ATTACHMENT DOES NOT MATCH YOUR RECORDS??? 

A RE-WRITE OF THE ORIGINAL COMPLAINT : On XX/XX/XXXX, I received an email from Equifax that my " Dispute has been completed '' ( document available ). The email instructs to click on a link to review the results ; But I am unable to pull-up the report on Equifaxs website ( error message screen-print available ). As a result, on XX/XX/XXXX I called Equifax 's customer service at XXXX ; The call duration was one-hour, twenty-seven minutes and twenty-seven seconds, which ended at XXXX XXXX XXXX. After repeated requests for assistance to sign onto the Equifax websiteThe agent hung-up on me without resolving my problem. Up to six-weeks ago I was able to log onto the Equifax website using the exact same credentials as I used on XX/XX/XXXX. For whatever reason Equifax refused to match my input credentials with their information.
Product: Mortgage

I contacted my lender about a Home Modification. They sent me a checklist of the information that they needed to process the modification. I provided all the information within 30 days. I missed nothing all forms were provided by me as requested. I am a retired XXXX with excellent organizational skills. So, when I say I provided all the information I am totally accurate! Well, to make a long story short, they kept informing me they did n't get some of the information they needed. So, I would resend what they needed. They they would say they did n't get something else. A year went by without them taking any action. They would always say we need more information, more income verification pay stubs etc. My loan with them is at 7.5 % I make a payment of XXXX per month, about XXXX goes toward principle XXXX is interest. Been paying this since 2008.
Product: Credit card or prepaid card

so I was on the website in the middle of filing out a balance transfer offer of XXXX percent when it kicked me off and when I went back in the offer was gone. I called customer service waiting for a manager and the manager told me she was going to send out convince checks that I can use for the same offers as XXXX percent up to my credit limit I used the manager on the phone 3 times and she said yes no problem at all. so I called back just to make sure and they told me I could only do it up to my cash limit and I said wait a minute the manager said I can use it just like an offer. I was lied to by the customer service manager reps in the Barclays company and they will not honor what I was promised by a manger the call was even recoreded and they confirmed the manager told me that they even have the proof that they won't honor and they basically called me a liar saying that I never filed out the offer halfway which I did and I dont like being a liar they are saying they can't find it which I know I did it and I want this honored just like the manger told it was going to be and the cooperate will not budge and do anything that I was promised by the managers on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX XXXX XXXXXXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXXXXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX  business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me