23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law 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: Checking or savings account

Chime has been stealing my money for years. I reach out to Customer Service, they are extremely rude and unprofessional and no matter what I am left to deal with it. I never received any of my money back and iM missing thousands of dollars. I filed disputes in hopes to have things investigated but they always deny my claims. I sent police reports/FTC reports/ Identity theft theft reports but still nothing happens. I am left with an account overdrawn from the actions of others
Product: Debt collection

I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I have no knowledge of them, and the company conducted them without my consent.
Product: Checking or savings account

This account was my checking account. This account was hacked and there was fraudulent transactions made on it. It was brought to my attention three days later when I received a letter in the mail that the account was overdrawn. They did an investigation found out where bad checks were used on my account. Then a week later I received another letter stating I have to pay this amount back and totally blamed me! Now they know where it came from no where close to where I live. This account is FRAUDULENT. They would not consider investigation further into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.
Product: Debt collection

I received notice from Rent Recovery stating I ow 's aped a balance to XXXX XXXX Apartments. I immediately contacted the apartments Manager and was told this was and error. My deposit was refunded to me after this exchange of communication. The debt thats in my name is fraudulent. I'm reach out to the CFPB before taking legal action. I reached out to rent recovery in writing letting them know that this debt was fraudulent. I havent received a reply nor acknowledgement. I responded in writing in 7 days of receipt well beyond my consumer rights.
Product: Checking or savings account

On yesterday, XX/XX/2018, I received a Bank notice in the mail that documented : " Here is your Personal Identification Number : XXXX  ; For your Card : XXXX ; You can use your PIN to access your accounts 24/7 with your Chase Debit Card or ATM Card at any ATM. If you prefer to change this PIN, please visit your nearest Chase branch. If you have questions about using your card, please contact us at : ( XXXX ) XXXX ; Quick Tips about protecting your card *Never write your PIN on your card or anywhere it can be discovered - like your wallet or your purse. ; *Never leave your transaction receipt behind. ; *Never give any information about your card or account to a stranger or to anyone who calls you over the phone. ; and *Be aware of your surroundings as you approach the ATM and while conducting your transaction. NOTE : If your card is ever lost or stolen, please contact us immediately at the number listed above. '' On or about XX/XX/2018, I visited a Chase branch to change my personal checking account PIN ( my " exact same '' checking account referenced above in this writing/filing ) from the " Personal Identification Number '' documented in the Chase Notice received on yesterday. I have " repeatedly '' requested, that this bank ( and bank representatives ) change my PIN # back to my " NEW '' PIN # ; CEASE and DESIST their ongoing practiced reprisal/retaliation and DISCRIMINATION ( locking me out of my personal checking account ) by using my " old '' PIN ( used prior to XX/XX/2018 ). I have NEVER wrote my NEW/OLD PIN on my card or anywhere that can be discovered-like my wallet or purse. ; I have NEVER left my transaction receipt behind. ; I have NEVER given any information about my card or account to a stranger or to anyone who have phoned me. ; I am aware of my surroundings ( to the best of my ability ) as I approach any ATM and while conducting my transactions. Chase bank, maliciously changed my personal checking account PIN " internally '' back to my " old '' PIN ( after I have already visited a branch and specifically changed my personal PIN. Therefore, it is the banks job, to change my PIN back to the PIN # chosen by me on or about XX/XX/2018. ALL supportive documentation, will be faxed to the CFPB. THE END!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00}
Product: Credit reporting

Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
Product: Debt collection

I till have been chagred for {$430.00} since XXXX XXXX 

In XXXX  I already paid on XXXXXXXX  and XXXX. 

Total two payments were {$860.00}. 

Until today a company wanted this amount ( XXXX ) again.
Product: Debt collection

On XX/XX/2024 I sent a dispute letter to ProCollect stating that I have to date received any proof that I owe their company any debt and requested that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they're unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. If they continue to claim I owe a alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts I gave them up to 30 days to respond and informed that i will file a complaint with the XXXX  which I did. ( see attachments below ) On XX/XX/2024 I made a complaint with XXXXXXXX Case ID # XXXX ( see attachment below ) stating I am not liable for this debt with Pro Collect, I do not have a contract with Pro Collect, they did not provide me with the original contract as I requested. Please remove from my credit reports. And since the complaint has been filed the company has responded twice on thus far, still demanding this debt of {$980.00} be paid in full from original creditor ( XXXX XXXX  ) over the phone by credit/debit card. Procollect claimed they will mail proof of the debt to me on XX/XX/2024 and I haven't received such proof still. 
I responded on XX/XX/2024 informing them once a debt has been sold to a 3rd party collector, the creditor can no longer collect on that debt. XXXX XXXX  sold my debt to a collection agency ( ProCollect ) without my consent, I disputed this and no longer have to pay this debt. Pursuant to the Fair Debt Collections Practices Act 15 US Code 1692 I also informed them Pro Collect is not licensed in the state of Nevada to legally collect any debt, according to nmlsconsumeraccess.org ( see attached PDF for proof ) It is illegal to be sued for failure to pay debt because the contract with the original creditor was a contract of adhesion. Contracts of adhesion are considered unconscionable and are not enforceable. UCC & 2-302
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous e-Oscar verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
Product: Credit card or prepaid card

FNBO checked my credit because some filed a false application with them. I want the inquiry removed from my credit report.
Product: Mortgage

I was paying my monthly mortgage for XX/XX/XXXX. The normal monthly bill was {$2000.00}. In XXXX it showed I owned {$3700.00}. I called Mr. Cooper and was told I owe {$12000.00} in taxes and escrow and until its paid, my mortgage will be {$3700.00}. 

Mr. Cooper did not properly apply my taxes for escrow for XXXX taxes. My mortgage should have increased to {$2700.00} monthly to cover taxes and escrow. Mr. Cooper did not make the change and I was continuing to pay {$2000.00} monthly mortgage. 

I did not know and there was no indication from Mr. Cooper that this would happen. I did not receive any notices or explanation for the increase in monthly mortgage {$3700.00}. 

Mr. Cooper but me and my family in a financial hardship that would have easily led to foreclosure of my home. 

I called Mr. Cooper several times over the course of a week after finding out this information and Mr. Cooper 's representatives gave no assistance that would help me pay this very large and exorbitant amount of money. 

If I would have paid Mr. Cooper {$3700.00} a month, I would have incurred fees and interest that would have increased my principle for several years. 

If Mr. Cooper would have taken the time to handle my mortgage properly, I would not be in this position. 

I was forced to obtain a loan to cover the cost for Mr. Coopers oversight of {$12000.00}. I paid to Mr. Cooper along with a {$3700.00} mortgage payment for XX/XX/XXXX. 

Mr. Cooper initially did not apply my {$12000.00} payment to the amount owed for escrow and taxes. Mr. Cooper applied the {$12000.00} payment to my principal, which was completely deceptive on their part because Mr. Cooper was showing I owed them {$12000.00} in back escrow and taxes. 

I have been calling Mr. Cooper to appropriately apply the money so I will not continue to be in the rears and to recalculate my monthly payment so I should be {$2700.00} roughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, equifax, and XXXX  and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.
Product: Debt collection

We moved into XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Due to financial hardship, we had to move out before the lease expired because the landlord filed an eviction notice against us in court. on XX/XX/XXXX, we vacated the apartment with 0 ( zero ) balance and all the fees paid thru XXXX XXXX Superior Court. A month later I received a letter that stated that I still owe {$36000.00} in rent since I am legally responsible for it through XX/XX/XXXX. 
I contacted the manager of the property and was notified on XX/XX/XXXX that my former apartment had been already leased and I will get an updated bill soon. The updated bill came in 2 months after we moved out and the total amount was {$6500.00}, which is equal to 2 months rent. Yet the apartment was vacant for less than two weeks.
Product: Credit reporting or other personal consumer reports

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX  months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.
Product: Debt collection

I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.
Product: Mortgage

PHH XXXXXXXX XXXX Co. 
A normally-processed Line of Credit Draw request for {$45000.00} was direct deposited into my account on XX/XX/XXXX, but then reversed/withdrawn by XXXX on XX/XX/XXXX XXXX A call to PHH, they explained that the loan was at 90 % so HUD is now involved and must approve such payouts. We were also told that a request would be made for those funds to be reversed/redeposited into our XXXX account so they would be again made available. During a call to HUD, they advised they do not have control of this reverse mortgage and referred me to PHH. 
Now its 5 months later, with many calls to PHH & HUD, my monthly statements do not show the {$45000.00} in my account/available to draw. I feel its been stolen, just disappeared. 
During the latest call to PHH the rep stated that a letter explanation s in the process. To date, I have received no such letter and the missing {$45000.00} was not returned to me nor made available to draw. 
Its my money and I need it to pay living & medical expenses. I look for guidance on where to turn. PHH is the most non-responsive company I have ever dealt with. Thanks
Product: Checking or savings account

XX/XX/XXXX around XXXX someone stole my card info and made a {$580.00} transaction at a XXXX XXXX. The nearest XXXX XXXX to me is 5 hours and 30 minutes away. I worked in XXXX the XXXX from XXXX and worked in XXXX for XXXX  finishing an order to a customer at XXXX XXXX. 

I am providing screenshots. I was told over the phone that I would have my money back in 5-7 business days and it's been longer. I need my money bad. Coronavirus has made things difficult. Bills are due. XXXX is coming up. I need my money.
Product: Vehicle loan or lease

I called Honda Financial Service on XX/XX/2020 and after a extremely long wait time >44 minutes. I finally spoke to a customer support person. Per the new lending institution I requested a Lease Buyout Packet,  however the Honda rep said due to security they could snail mail and/or fax it. I provided the new lending agents name and fax number requesting it be fax 'd to his attention. I reiterated my request and pertinent information, the rep said it would be sent out. This was done late morning on the XXXX and fully expected it to arrive by EOD on the XXXX and/or latest by morning of XX/XX/2020. I contacted the new lending institution on XX/XX/2020 to see if he had received the fax and he responded a negative but did verify his fax machine was operational. 
I failed to get his name or identity and didn't ask the turn around time but did mention it was time sensitive since the we were intending to close this out prior to next required pay date. I went on XXXX XXXX   website to see if I could get the required information and did find a way to get a pay out amount and what date it was good to and I emailed that to the new lending institution but he said that info was not sufficient for his requirements and did in fact need the Lease Buyout Packet originally requested.

I again called Honda Financial on XX/XX/2020 and again spent an inordinate amount of time >1 hour  waiting for a live pickup. This time I requested the support person 's name, XXXX, and explained to her what transpired the previous day and asked why the requested information was never sent. She had all of the right information, new lending agent 's name and fax number from yesterday 's call. I asked her how much time should be expected to get a simple fax out and she agreed it shouldn't be too long. I'm assuming it's an automated process. She said she would resend, I gave her the new lender 's direct phone number so she could validate it was received. She placed me on hold and attempted to call the new lender but did not receive validation. I subsequently emailed the new lender and awaiting feedback.