23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I SENT THE FOLLOWING TO CHASE. NOTE* XX/XX/XXXX Chase on a recorded line told me to stop making mortgage payments. It due to my HOA stealing the title to my home and not allowing Chase to redeem my property. At present, HUD FHEO ( XXXX XXXX ) is reviewing my request for fair housing discrimination. 

CHASE has stayed every foreclosure since XX/XX/XXXX provided I could prove active and contentious litigation. I would not be in foreclosure if Chase had not told me to stop making payments. 

XX/XX/XXXX Chase encouraged me to stop making mortgage payments in its effort to support me as I defended my property rights. My HOA stole the title to my home XX/XX/XXXX and during the first quarter of XXXX Chase 's effort to repurchase those rights was thwarted. Until now, I have fought my HOA on my own. But due to limited financial resources and cognitive and other physical XXXX due to a near fatal car accident I had to get help. Attached is acknowledgement from the US Department of Housing and Urban Development. It includes a name, telephone number and email address of the person reviewing my matter. Please honor the word given to me by Chase representatives when they said as long as I could prove active and contentious litigation they would stall foreclosures. The reason Chase said this is because at the time, XX/XX/XXXX, it was unknown to me or Chase whether or not I would prevail in Court. The HOA already had the title and they despite knowing I was challenging the validity of their title seizure, was expediting a dispossessory in magistrate court. If the  magistrate court dispossessed me from my residence I would be evicted yet still financially responsible for the mortgage. If I won, then I would not have a problem - but if I lost, then the property would have also foreclosed due to nonpayment. Please do not let my home foreclose. I have been the victim of XXXX housing discrimination since XXXX. They have harassed me practically every day for 15 years. The documentation provided supports that I am telling the truth. If this were about money and not race - they why did they not simply take the money from Chase when it was offered during the first quarter XXXX. Please ask your legal department to file a tortious interference with a business contract lawsuit against my HOA. Essentially, the unlawful foreclosure of my title impeded the financial business relationship I have with Chase. The financial injury to Chase would be the missed mortgage payments that included interest income not realized by Chase that could have been received in a timely fashion and used to further its business interest. Even if you do not file suit against them, please do not allow my home to foreclose. I am doing my best to fight them.
Product: Debt collection

Debt collection company : EOS CCA on behalf of XXXX XXXX XXXX  I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used XXXX XXXX XXXX ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of XXXX 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by XXXX XXXX XXXX to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX  XXXX both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXXXXXX 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 recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress. 

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy. 

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Product: Debt collection

So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.
Product: Mortgage

My bankruptcy case was XXXX in XX/XX/XXXX and I was able to start making my mortgage payment of {$590.00} in XX/XX/XXXX. In XX/XX/XXXX, my payment changed to {$1000.00} without any notice. I was told it was because my homeowners insurance increased ( {$1100.00} in XX/XX/XXXX to {$2000.00} in XXXX XXXX XXXX ). My taxes and insurance now cost {$670.00} and I believe an error was made. I canceled the policy with XXXX insurance and got a new policy with XXXX XXXX on XX/XX/XXXX. I have an entire payment history with Volunteer Mortgage Loan Servicing during my bankruptcy showing my payments since they acquired my mortgage with no changes. When I contacted them I was told that my escrow had a negative balance due to the bankruptcy. I don't believe my taxes and insurance should be more than my original mortgage because of a {$840.00} increase.
Product: Credit card

I am behind on my credit card payments with Synchrony Bank. Synchrony Bank has been calling me but I have not answered. On XX/XX/XXXX, I made ONE payment to my Synchrony Bank PayPal Master Card account in the amount of {$200.00}. Synchrony Bank then charged me an additional {$270.00} on my PayPal Master Card on XX/XX/XXXX. On a different Synchrony Care Credit Card account, Synchrony Bank Charged me {$110.00} on XX/XX/XXXX. I have auto pay turned off for both accounts, I did not make any additional payments for {$270.00} or {$110.00}, and I did not authorize the charges. When I called to have the money returned, my only option was to have the money returned via U.S. Mail.
Product: Mortgage

In XX/XX/XXXX I reduced the amount of homeowners insurance on my home. I emailed the paperwork to the Kentucky Housing Corporation XXXX XXXX within days of the change. I never received any response or confirmation. I found the email on their website under HELP & SUPPORT. I then emailed it to them a second time a week or so later. After no changes were made to my escrow despite sending the information, I assumed the changes would occur XX/XX/XXXX when they released new payment information. Well I seen they increased my payment in XX/XX/XXXX because they never analyzed my escrow with the new insurance information. I faxed and called them same day I notice the increase ( XX/XX/XXXX ) with the new insurance information and requested my escrow to be analyzed and adjusted as it shouldve been in XX/XX/XXXX. Theyre now refusing to analyze my escrow without the refund I received in XXXX from my homeowners insurance. Had they done their job in XX/XX/XXXX they couldve received the check. Its been XXXX XXXX and Im in surplus without the refund. Legally theyre required to analyze my escrow once a year. I lowered my insurance so I could continue to afford my home. I need my escrow analyzed and my payment adjusted. If the email for escrow is not a good form of communication then it needs to be removed from the their website under HELP & SUPPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. These items are not conducted by me as a consumer : XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because Equifax, XXXX, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XX/XX/XXXX
Product: Credit card

When I signed up for the XXXX XXXX XXXX while purchasing plane tickets, ( on XX/XX/year> ) the offer that was being promoted for a sign up reward was XXXX points. Upon meeting the requirements listed : after spending {$1000.00} on purchases and paying the annual fee in full, both within the first 90 days, with the XXXX XXXX XXXX I was told I received XXXX points. When I called, they let me know that my terms and conditions stated that I was to receive the XXXX, as opposed to what was advertised when I signed up. I signed up solely for the purpose of receiving the XXXX sign up reward as advertised, and feel this is a case of misleading advertising in order to get more people to sign up for the card. Upon talking to multiple representatives, including a XXXX, they confirmed that this sign up bonus was being offered at the time, despite them swearing it wasnt multiple times, as I was persistent in getting them to check. I want Barclays and XXXX to honor the points that were listed on the advertisement as I met the requirements and signed up to get the XXXX points. This seems to be a case of bait and switch. I dont think it is right for a company to offer multiple promotions for the sole purpose of giving the customer the lower reward after signing up for the purpose of receiving the higher XXXX. ( The current sign up being listed on the website as well, is for XXXX points, and, to reiterate, it was being offered the day I signed up as well, it was why I signed up. )
Product: Credit reporting or other personal consumer reports

When My Credit Score Raises Above XXXX Equifax Continues To Drop My Below XXXXThis Has Been A Ongoing Issue With Equifax. Equifax XXXX Want My Credit Score To Be Above XXXX. When Call And Question The Reason For My Credit Score Deduction Equifax Customer Service Has No Reason.
Product: Credit reporting or other personal consumer reports

My wife and I were under a forbearance agreement with PHH mortgage. We gave them one payment at that time of what we could afford, PHH started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.
Product: Credit reporting or other personal consumer reports

am filing this complaint regarding the failure of Equifax and XXXX to correct and adequately investigate inaccuracies on my credit reports related to a XXXX XXXX account and unauthorized hard inquiries. Despite repeated disputes, these credit reporting agencies and XXXX XXXX have not resolved the issue, nor have they provided any proof of investigation or supporting documentation. 

Details of the Issue : XXXX. Inaccurate XXXX XXXXXXXX Account Information : Errors have been reported on my credit file related to a XXXX XXXXXXXX account. 
I disputed these inaccuracies with Equifax and XXXX, but no corrective action has been taken, and they failed to provide any proof of an investigation or verification process. 
2. Unauthorized Hard Inquiries : There are hard inquiries on my credit report, including those related to XXXX XXXX, which were not authorized by me. 
Equifax and XXXX have not removed these inquiries despite my disputes and have not provided documentation to justify their presence. 
3. Failure to Investigate : Under the Fair Credit Reporting Act ( FCRA ), Equifax and XXXX are required to investigate disputes within 30 days and correct or delete inaccurate information. 
Neither agency has demonstrated compliance with this legal requirement, nor has XXXX XXXX provided any evidence supporting the legitimacy of the account or inquiries. 

Relevant Legal Protections : Fair Credit Reporting Act ( FCRA ) : Section 1681i : Requires credit reporting agencies to investigate disputes and ensure accuracy.

Section 1681b : Prohibits unauthorized inquiries unless there is a permissible purpose.

Section 1681e : Mandates reasonable procedures to ensure maximum possible accuracy in credit reports.
Product: Credit card

Called in around XXXX XXXX pm on XX/XX/year> was hung up on twice Last lady who hung ups name was XXXX when I asked for her supervisor. She refused without providing a reason which is bs. She called me ma'am despite my name showing XXXX. 

The reason I provided on the call should have been more than enough. My name and the request for the supervisor should have been all that was needed. 

I was talked to by a XXXX or XXXX and i asked for a supervisor after I gave my name. He refused and I told him I know the bank policy allows a supervisor if I provide my name. I'll add this to the complaint I'll be filing for again Citibank employing uneducated liars who have wasted my time continually it is unacceptable and rude. He goes on transfer me to XXXX who is not a supervisor wasted more time that shouldn't have been wasted in the process. I gave my full social security number to XXXX which was not relayes to the supervisor XXXX XXXX finally connected me to. He said they are not allowed to provide names of people or managers they will be transferring to. Another lie. I have the whole list of managers from another call there was 5-7 of them. The Supervisor XXXX confirmed he could have provided me his name and chose not to for what reason she doesn't know. Go figure. I give her my full SSN now because she doesn't have it and it wasn't relayed by XXXX or XXXX, imagine that giving your SSN to a liar and then the supervisor not even being able to reach them to get it. WhaXXXX XXXX XXXX XXXX XXXX these people are so far from operating ethically it's unbelievable. I asked for XXXX supervisor when she incorrectly asked me for a security word without providing the hint I had on file and I pointed that out to her and expressed my concerns with employees at her call centers, her responses to yes or no questions being okay instead of yes or no her acknowledgement of that and then saying my bad. Every time I expressed concerns she would brush them or try to ignore her customer service issues as if I was talking to a door. Supervisor XXXX left me on hold for over 5 minutes and never came back to provide an update or check on me. Then she comes back to say that XXXX is now not available. Apparently after 2 hours I come to find out that my call was placed to get some information regarding balance transfer processes for a credit card I possess in the process I was transferred to a fraud department by a guy named XXXX after I provided XXXX my full social security number. Apparently XXXX is in the fraud department where I shouldn't have been transferred. She then claimed she'd get XXXX lied then got maica. XXXX lied at one point and said she don't kno XXXX and then later said she messaged her but there was no responses. My XXXX XXXX XXXX son listened to the call heard her contradict herself multiple times it's unreal Citibank employees people in XXXX XXXX or these call centers to provide XXXX customer service. Transferring you to fraud department for no reason wasting 2 hours of your time refusing to make a branch appointment. I swear XXXX XXXX Citibank might be the biggest XXXXXXXX XXXX of customer service anyone could possibly encounter.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this report due to these incorrect and fraudulent accounts that are on my credit report. I am having issues on my credit report with these accounts. Under the FCRA law these accounts needs to be removed from my account. I am including the identity theft report as well as proof. Please remove these accounts from my report. There are the hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And the collections that needs to be removed are XXXXXXXX XXXX XXXXXXXX XXXX, {$4700.00} and XXXXXXXX XXXX XXXXXXXX {$4400.00}
Product: Credit reporting or other personal consumer reports

MY DISPUTES WERE SENT TO YOUR COMPANY AND THE ALL CAME BACK VERIFIED AND UPDATED. THE ACCOUNTS WERE NOT ACCURATE AND REMAIN THAT WAY AFTER RECIEVING THE RESULTS FROM YOU. THIS IS A VIOLATION OF THE FCRA BECAUSE THESE ACCOUNTS SHOULD HAVE BEEN DELETED FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

Chase I paid off my credit card on XX/XX/21. I then had a {$210.00}. Credit on my account. The next day they added {$130.00} fees + {$25.00} Fees. When I called I was told it was from XXXX XXXX and XXXX fees they are putting on my account. They lied and said they tried to reverse it but can't .before I even asked.
Product: Debt collection

I sent a debt validation memo to FIRST FINANCIAL INVESTMENTS FUNDS HOLDINGS on XX/XX/2021 requesting validation of a debt collection in the amount of {$34.00}.

On XX/XX/2021, I received a response memo in reference stating the account could not be verified and was therefore closed via the collection agency.

As of todays date of XX/XX/2021, the accrual still open and reporting falsely and negatively on my credit file with a credit bureau ( s ).
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXXXXXX XXXX XXXX opened on XXXXXXXX XXXX 2023 account number ( XXXX ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX. XXXX, 2020, CORELOGIC CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.