23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : Please be understanding as to why I am writing this complaint relevant to Amerihome Mortgage. I applied on XX/XX/2019 for a loan modification for XXXX XXXX XXXX XXXX XXXX IL XXXX. My name is XXXX XXXX XXXX. I complied with every document they have requested they are stalling in allowing me an answer. My daughter and her XXXX minor children are living with me and my husband. Daughter XXXX XXXX has a XXXX  XXXX XXXX and a XXXX  XXXX XXXX  before she could be on the XXXX XXXX  list she had to be in a stabled home after she lived with me I requested for a modification. I also applied for Chapter XXXX to save the house from being in foreclosure I can not afford XXXX a month along with the up keep of the property. The property has needs in order to live there I am asking for someone to question Amerihome and let me know whats keeping and taking so long each week they are requesting the same information over and over again. Please help me I do not want to lose my property. I am complaining on how this problem is being handled also my husband have a history of 5 people XXXX. I need this modification please help. 

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

My SS and other information was potentially exposed in the Equifax hack ( I checked on their website ). I have just placed a fraud alert with XXXX. I have not yet observed any fraudulent activity on my accounts.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

Unfortunately a few months ago one lady she called me at XXXX XXXX and she asked me for invest some money on XXXX XXXXXXXX and after a few months she asked me to transfer all my amounts and balance to exchange currencys company with their app, but every thinks was good, and every day my amount and my assets grows up and finally when i decided to withdraw my money i got scam, and i saw it was completely i fall in prey, and now I dont know what shod i do, i called many times with crypto and my bank wells fargo, but they dont have any solutions, this was around {$80000.00} and I invested into crypto then with digital wallet i sent to that comapny exchange curreny name was facoinplus.com So now i have nothing i am in red and broke, i lost my job my house, i XXXX  in the car for XXXX  months and i have nothing to do, please help me,
Product: Checking or savings account

I ordered a product from Amazon.com on XX/XX/year>. I decided to return the item unused and unopened ( the packaging was completely intact and undamaged ). I was provided a return code and instructed to drop off the item at a XXXX XXXX store which I did. I dropped off the item on XX/XX/year> and received notification the return was received on XX/XX/year>. I have since never received my refund for the return. I have contacted Amazon customer service over live chat and by phone over 5 times. I have been told many different things by different representatives : some representatives told me I would receive my refund soon, some representatives told me that the item I returned was incorrect and I would not be receiving my refund ( in which I told them to please re-check the item because I returned the exact item I received in an unopened undamaged package ), and some representatives told me to contact my bank for a resolution. I contacted Chase bank to file a dispute. The dispute was denied with the proof being " the merchant submitted proof of me agreeing to the terms and conditions. '' The proof states that I agreed to the terms and conditions and returned an item I was not allowed to return. This is completely untrue. If I was not allowed to return the item, then why was I provided a QR code with instructions to drop-off the item at a XXXX XXXX store? Furthermore, I have screenshots of the message in my Amazon app that shows my return was dropped off on XX/XX/XXXX and received on XX/XX/XXXX. I just have not received my refund. I contacted Chase claims again after my claim was denied and was still told even after submitted my screenshot proof that the return was received that my claim was denied due to me " accepting the terms and conditions. '' This absolutely makes no sense at all. I returned an unused, unopened item as I am allowed to by Amazon and have not received my refund. I am really frustrated after spending all of this time talking to Chase bank and Amazon customer service representatives. I have been cheated of {$430.00} which is a lot of money for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length.

That account # XXXX i did not give permission for Experian to do this change.

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it.

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Product: Debt collection

It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ). Along with exhibits, documentation, Identification, and laws showing how and when I was violated. Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k. Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction. All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. And litigation will follow if ALL my demands are not met.
Product: Vehicle loan or lease

On XX/XX/2020 I logged in to the Nissan Motor Acceptance Corporations ( NMAC ) website to look at possibly paying off my car loan. After logging into my account I immediately noticed that their website indicated my account was past due. My next due date was XX/XX/2020. I have never been late on a single payment with NMAC and have never received any communications to such effect. I looked through my payment history provide by NMAC on their website and their records confirm such statement. I logged into my account on XXXX  XXXX XXXX and verified my payment for XXXX processed on XX/XX/2020. Then how is it that my account has showing past due when the due date hasn't passed. When I called NMAC to inquire, the response I was given was " oh that is how our system works, because we haven't received your payment yet, in anticipation of your due date passing our system shows your account past due. '' When I pressed harder I was advised by the agent on the phone that there was nothing she could do about it. So NMAC is making an assumption that my account will be passed due even though I always pay ontime or before AND they have no idea that my payment is actually in the clearing house processing. This is an egregious misrepresentation of the status of my account. 

This is fundamentally WRONG, working in the financial services industry I first hand know that you can not represent an account past due until such time as the due date has passed AND no payment has been received. In the current environment as a result of COVID19 actions such as this would push many people over the edge. 

I have attached screen shots from NMAC of my account status and payment history, as well as a screen shot from XXXX  XXXX XXXX showing my payment had been processed.
Product: Mortgage

On XX/XX/XXXX, I spoke to XXXX at Ditech with the concern that my unapplied funds balance was not reflecting the XXXX paid every month for the past three years. She told me I had to write to ask for these funds to be returned to the unapplied funds balance account and that sometimes it is applied to principal. I am very concerned that I have to write asking to return the unapplied amounts. I receive notice when escrow/disbursement tax/insurance are paid. I have not received any notice from Ditech explaining to me when the unapplied funds are transferred. I am requesting full disclosure regarding disbursement of funds and asking these funds to be returned to my unapplied funds balance. 
My monthly billing statement clearly reads that Any partial payments that you make are NOT applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an account with them, but I wasn't no longer ordering anything due to me losing my job and my house been broken in at the time. Someone was ordering things and was having it sent to my apartment. They knew when it was been deliver and they were meeting the delivery downstairs to pick up whatever was order.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my XXXX letter that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : Experian : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, CA XXXX XXXX Q XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt.

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00}
Product: Debt collection

The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.
Product: Debt collection

I have provided notice to Jefferson Capital Systems LLC that they lack standing to collect a debt either on account stated or an applicable written signed card holder agreement. My correspondence to Jefferson Capital will be included in attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Saw a house to rent on XXXX. Set up an appointment to view the home at XXXX XXXX XXXX, XXXX, OH XXXX on Friday morning XXXX. He let us in remotely, stating he was out of town. We agreed to lease the house, he sent us lease, which we reviewed, made a few changes - paid deposit of {$800.00}. After changes were made, the lease was signed and we sent the first month rent Friday evening. XXXX XXXX said we would be able to move in on Saturday, the XXXX. The house is empty. On Saturday morning, we noticed the property was listed on XXXX for {$1600.00} through XXXX XXXX, we contacted them and they stated that the house was still available. They were shocked that we had been able to enter and view the property, but said we had been scammed. He is telling us that his locksmith was going to change the lock, but he was unavailable. He suggested that we have our own contractor go and change the lock. He still thinks we are moving in on Monday, the XXXX. 
He currently has my social security number, address, driver 's license and place of employment that he took from the lease application. Tried talking to my bank, but they have not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, and XXXX. This company have sent me a letter stating everything came back verified with no description of the procedure used to determine the accuracy and completeness of this information as requested previously. I no longer want this company to mail me anything. Please upload all correspondence through CFBP. If this company does not honor my request, I will pursue legal action and a complaint to the attorney general. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In accordance with the Fair Credit Reporting Act ( 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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 has violated my rights. Or a list of inquiries : 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

I have contacted Experian to remove the inquiries off my record that I dont recognize and told them all of the inquiries doesnt have my WET-INK signature required by Law pursuant to the FDCR Act except for one that I can verify. But they did not comply and act according to the Law.
Product: Debt collection

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my XXXX XXXX as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.