23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to resolve my housing tragedy caused by the city of XXXX and lender, CitiMortgage but not getting any cooperation from the city or response from the CitiMortgage. It is unfortunate that instead of supporting me, my lender joined with the city of XXXX in selling my property at XXXX and XXXX, XXXX. I paid mortgage for 22 years, out of 30 years loan and {$130000.00} to be paid ( balance ) and CitiMortgage failed to do its fiduciary duty to me and conducted unfair business practice and received the balance payment behind my back. There is a code violation allegation by the city of XXXX, who designed a concocted case against me, still I deposited {$170000.00} cash for repairs but the city did not repair the property, kept my cash money, sold the property and kept the sale proceeds. The CitiMortgage did receive the balance payment of {$140000.00} from the city and the receiver and ignoring my rights and their duty to protect my properties despite my many formal and informal requests. The CitiMortgage failed to give me loan or legal representation to preserve their interest at the property because large amount of equity, about {$1.00} XXXX at that time and they did not care about my property rights and equity and received their balance payment because they colluded with the city. I had only {$130000.00} to {$140000.00} balance where I had a cash of {$170000.00} deposited to the escrow account of the receiver. I could have paid the balance from escrow account if they had cooperated with me. I requested for refinancing of the property, partial funding from the federal government but the CitiMortgage did not cooperate and collected 7.5 % interest when I was entitled to get 3-4 % interest. In XX/XX/XXXX, refinance request did not materialize because I was over XXXX years old when they found out that my income ratio was adequate to qualify for loan modification. They continue to receive my mortgage payment between XX/XX/XXXX to XX/XX/XXXX when the house was seize and close by the city of berkeley. CitiMortgage is fully aware of the closure of the house and City 's allegation of zoning violation but they took no action despite they acknowledged that they received all the notices. I am requesting you to investigate this fraudulent action of the city of XXXX, receiver and CitiMortgage and return my house. I am attaching a declaration of XXXX in support of my request for investigation of the fraud against me.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take 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.S-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 reporting, credit repair services, or other personal consumer reports

There are a few inquiries that were placed on my credit report on Different dates by Comenity bank from COMENITYCAPITAL/XXXX  that has an inquiry date of XX/XX/XXXX and COMENITYCAPITAL/HSN that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.
Product: Checking or savings account

This is my second claim against JP Morgan Chase due to your continuation of lies and deceiving this is about a claim of {$24000.00} that shes allowed me to open not informing me of any time limitations or amount limitations the claim was open on the XX/XX/2018 which chase claims that was way past they have 45 days limit to file claim but weeks and weeks and weeks of me calling and calling the claim was still processing and I was informed that would take up to 90 days to be completed their investigation in my case it took 45 days lots of phone calls for Chase to deny my claim saying that was over their timeframe I found my first claim here and Chase did the same thing delay two weeks and then denied the claim again saying that I never called you dont have any records of my calls here are the records of my calls and documents. Chase actually refuses to follow up with my claim or even to investigate my claim due to the fact that since this incident happened I have not deposit the single XXXX my account and Chase has overdrawn my account for over {$2700.00} and now they want me to make a deposit to bring my account current I think thats why Chase doesnt want investigate my claim. I have attached my phone log with all the phone calls that I made it to Chase to prove that I have called and called and that they lied and lied saying that they have no record of me calling
Product: Checking or savings account

I received an email stating that WELLS FARGO responded so the CFPB again closes my case just because they responded but the CFPB failed to adequately examine the evidence that were provided to them from WELLS FARGO. In the letter WELLS FARGO submitted as evidence, it specifically states that We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations. Our records show the claim documentation that we can provide was mailed to your address on file XX/XX/2024. We have enclosed a copy for reference. They are literally saying we cant provide you evidence but we are going to willfully and intentionally deny you your securities because the transaction were valid and was not made in error. In order to make that legal determination there has to be some evidence but again they have failed and refused in providing evidence to their legal claim. The so called evidence that sent to me on XXXX XXXX which I sent copies to the CFPB were just computer generated Bank Statements and according to a previous case filed against WELLS FARGO, bank statements are false and Misleading representation of evidence and omitted from material facts. Once again that have refused to provide any evidence of their determination but has continuously deny and refuse to reissue my securities, at this point I see no other option but to take this to Federal claims. They also stated that page 20 of the Deposit Agreement States that was signed by myself and WELLS FARGO states what a deposit account is but I read it 4 times and no where does it describe a Deposit Account is or isnt. ( see attach )
Product: Credit reporting or other personal consumer reports

On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

I applied for mortgage, and received commitment with conditions on XXXX. My mortgage agent requested all outstanding conditions, and I provided in timely manner. 3 days before my closing I received denial letter from bank ( last week ). The reason for denial is " applications is incomplete. '' There were absolutely no reason for this decision. All documentation were submitted by my mortgage broker in time, and accepted by bank underwriter. The bank took 2.5 month to process application with approved commitment with conditions ( which were timely submitted ) and sent me denial letter 3 days before my closing day. I don't have time to get another mortgage, and because I can loose my down payment, I am applying for private lander mortgage at 12 % interest, since I have no time to find appropriate mortgage bank and reapply for mortgage loan with 3 % interest, which I suppose to get from Loan Depot. This is unprofessional practice, and also very dangerous, because consumers received late unreasonable denial, and there is no time to fix the issue and get new loan from different bank. I am loosing a lot of money now because I have to pay 12 % mortgage interest for at least 6 month and only after 6 month I can refinance my mortgage again for a fair rate without penalties.
Product: Credit reporting or other personal consumer reports

II have been a victim of identity theft and discovered several fraudulent accounts on my credit report. I have taken the necessary steps to address this issue, including filing a police report. Below are the accounts that are inaccurate and not associated with me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX Account not mine - XXXX XXXX XXXX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX Account XXXX : XXXX Please eliminate this inaccurate information from my credit report. 

Account not mine - XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report. 

Account not mine - AMEX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCR A 605B. 1. )   XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # 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

Called Transunion to see the status of my investigation and to see why something was n't removed after the company stated they sent documentation as well as me submitting documentation.  Spoke  with  XXXX  in the special handling dept and she stated that at first it was not proper documentation to remove then she stated that oh she sees the letter from the company. As we discussed more accounts that should have been removed prior after to speaking to other reps she told me that there was no investigation on my account and she could start one. I told her that it should have been I sent proper documentation on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . She stated only thing she is from  XXXX  and it was in reference to the letter. I told her I spoke with  XXXX  on  XXXX  concerning a fraud alert that I did not request and also a security freeze I did not request. Spoke with  XXXX  a supervisor on  XXXX  and  XXXX  and items as far as address, inquiries, and these disputes were supposed to been removed. I have copies of certified receipts mailed as well as fax confirmations for these dates. Please remove all inquires that do not hold accounts and all disputes that are listed on all correspondences attached. Transunion has been removing and adding products or information without proper validation which violates the FRCA.
Product: Debt collection

Broder Credit and Collections has called and hung up repeatedly, no message left. Tried calling back, no person, not even voicemail identifying the phone number as a business or even a person. The document dated XX/XX/2018, fails to identify the original creditor etc ; unlawfully shows fulls social security number, and also visible through envelope in violation of NJ Stat. Ann. 56:8-164 ( West 2005 ) prohibiting full exhibition of social security number. 
This company simply makes a demand be for money, encloses an envelope. 

A dispute was emailed to this company.
Product: Vehicle loan or lease

I attempted to negotiate a repayment agreement during my Chapter XXXX XXXX ; unfortunately, I was pro se and capital one does not acknowledge pro se litigation. I was told numerous times that I would need to hire an attorney if I wanted to be communicated with regarding the case. XXXX months after my XXXX, Capital One randomly repossessed my vehicle after avoiding me for the entirety of that XXXX month period. I was never able to get any response to legal petitions, they did not attend the meeting of creditors, they never wrote me or acknowledged my offer to enter into a repayment agreement, and they stole my vehicle before writing me a letter where they accused me of lying and of stealing from them. 

They have not sold the former vehicle, and are holding onto it for as long as possible to lessen the value and hopefully send me a massive bill for any remainder. Being autistic, I have XXXX idea what is going on and can not defend myself against this multinational finance company and their army of law firms.
Product: Mortgage

Hello, We are paying a home mortgage with XXXXXXXX XXXX XXXXXXXX. Due to reduce income we ( my husband and I ) have tremendously fallen behind payments and bills. XX/XX/2023 mortgage payment was made but the end of that month we had put in a request for mortgage assistance with XXXX. We decided to contact XXXX our service provider and was provided the mortgage assistance application. We completed the mortgage assistance application, had to re-do a few documents but we completed in a timely manner. We were contacted via email that our application was received. I was aware of my upcoming appointment for a follow-up that was the beginning of XX/XX/XXXX  for an update. The update was to make us aware that all documents were received and they had everything on their end and the loan is awaiting investor ( XXXX XXXX ) response. As mentioned, Investors normally respond within 30 days or it can be a delay. XX/XX/2023 will make it 30 days. 

The specialist assigned to my account ( XXXX ) I had XX/XX/2023 appointment with set the next follow up date for XX/XX/2023. 

After XX/XX/2023 appointment I received mail from XXXX stating that our mortgage loan will be transferred on XX/XX/2023 to XXXX, which was the same day as my follow up appointment. I called XXXX today ( XX/XX/2023 and was told I no longer have the follow up appointment on XX/XX/2023 with ( XXXX XXXX and I should try to call a few days before that date of transfer to see if the investor ( XXXX XXXX ) has responded. If the investor has not, than I shall proceed to contact the new servicer ( XXXX ) and began rapport with them. 
I questioned if I talk with the new servicer and new documents or policies are requested, will this put me behind in mortgage payments more months to where we could possibly go into foreclosure? If I did not call to follow up on the mail I received via email and mail, I wouldnt have known I no longer had an appointment or to call and check on the status of the investor ( XXXX XXXX ) response. 

I expressed my thoughts and worries with the representative on the phone that my loan being transferred in the middle of requesting mortgage assistanceand the response was Thats how business is.
Product: Debt collection

8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 @ approximately XXXX, our small 2 person mobile repair company received a call from a truck owner who had a driver in distress on the interstate. Our mobile mechanic was dispatched and found the customers issue, in which he repaired. The customer was billed, the invoice sent via square text services and he then paid the invoice in full using his American Express Card. And the driver was on his way. 

The owner called back shortly after to advise the driver was pulled over about 30 miles from the original site with another issue. Our mechanic returned to the truck and found another issue in which we advised required a part in which our parts vendor wasnt able to provide until next day after noon. As an alternative, the mechanic repaired the truck enough for the driver to return to home where we advised it would need to be seen immediately by the customers mechanic. As a courtesy, the customer was not charged for the return back to the truck. A message notating the visit was sent which documented the encounter. 


Later that afternoon, the owner called a third time to advise the driver never left and they wanted us to get the part and repair the truck. This was done and billed. The customer paid agin using XXXX and the driver was on his way. 

We later received an email from square stating the customer never received the first charge we of course disputed and they still ruled in the customers favor as if they did not receive the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item 1. I've asked you to validate the debt Item 2. XXXX/XXXX  owns this contract Item 3. I owe nothing Item 4. You are reporting this as if I have an open tradeline with you Item 5. My CRA is impacting my credit reporting details, credit score when it's impactful from a FCRA standpoint Item 6. You responded to CFPB complaint that was immediately closed and based on FCRA compliance Item 7. Your correspondence is erroneous, fraudulent and incomplete Item 8. I do not owe this debt, you have failed to provide a signed contract Item 9. Please delete this erroneous tradeline
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. 

Account name : XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # 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 reporting, credit repair services, or other personal consumer reports

XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX ) I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

FED Loans : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XX/XX/XXXX-XX/XX/XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, Fed Loans, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.