23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied to Chase Mortgage to finance a house I am trying to buy. Chase approved my mortgage, issued a commitment letter, and gave me final Closing Disclosures on XXXX/XXXX/2016 just before escrow close. Since the loan was ready to go, I released the loan contingency on escrow. 

On the day I was to sign the close, Chase then told me that the terms of the loan need to change. The Closing Disclosures clearly indicate that I am to receive a sellers credit of {$7000.00} and a lenders credit of {$4900.00} ( {$11000.00} total ) with a cash-to-close of {$110000.00}. Now I am being told that of the {$11000.00} total credit, they can only apply {$5700.00} against the closing fees. They are now asking me to just " buy down the loan '' to apply the balance of my credit. The cash-to-close would thus be higher. They also told me that I could renegotiate a reduction in price. 

I exchanged multiple emails with the Chase Mortgage Banker, XXXX XXXX ( XXXX ID XXXX ), asking him if I would get full credit for both the seller and lender credits and he expressly stated that I would. This is in fact what was reflected in the Closing Disclosures that Chase subsequently provided. 

I need to speak to these guys to discuss options. They have not responded to my emails or my phone calls since this morning. We need to close escrow and the lender is not present. The Lending Manager at Chase, XXXX XXXX XXXX ( XXXX ID XXXX ), was copied on this issue and he has not responded either. He does not respond to telephone calls either. 

Are these bankers in violation of any regulations against misleading borrowers? Is this behavior a violation of the Truth in Lending Act and Secure and Fair Enforcement Act? Can you please help me sort this out with Chase?
Product: Vehicle loan or lease

Purchased a used car with Wells Fargo last XX/XX/2022. The interest rate is very high.
Product: Debt collection

This company has called me multiple times after the cut off time provided by the FDCPA.
Product: Credit reporting

I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} ; XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.
Product: Mortgage

My mortgage was transferred to be serviced by SLS in XXXX XXXX. 
Prior to the transfer I was working with XXXX to have my loan modified. 
After many disputes with SLS ( loan servicer ) I received a notice from them date XXXX XXXX for a trial period modification Plan. I later received a letter of a designated contact to guide me through this process his name and phone number provided. The trial consisted of there payments in the amount of XXXX prior to making the first payment I contacted my designated contact XXXX . This letter was dated XXXX/XXXX/XXXX but I did not get it until toward the end of the month. After speaking with XXXX he told me that I did not need to make my payment for XXXX just begin by making my payment on XXXX XXXX for the trial. Additionally prior to my receiving information regarding my modification I had been dispute with my mortgage company regarding my payment so it was more than XXXX. I made my first trial payment on XXXX XXXX for XXXX. My second payment in the same amount for XXXX and XXXX. 
When I made my last payment I contacted my designated contact person and inquired to the fact what happens next and what do I do for the XXXX payment it was specified in the trial document. He told me I should be receiving my modification document soon. I did within a few days from the conversation. I received the modification agreement, the agreement was dated for the XXXX of XXXX XXXX just on the summary page. Non of the other pages were dated. I contacted XXXX regarding the wording of the document as to when my payments would begin we concluded on XXXX XXXX. He stated I received this document because I had completed my trial and made payments as indicated in the agreement. So I did not make a XXXX payment but I did make my XXXX and XXXX ( XXXX ) payments. 
Therefore all payments were make according to the agreement. I had the agreement notarized on the XXXX of XXXX and sent overnight via a package they sent me ( I have the receipt ). I tracked the package and indeed it was received by them. I waited and kept checking my account nothing has been updated yet. The representative when I called would transfer me to a voice mail. I finally got someone who told me I had denied the modification, I sent a dispute. I then on XXXX XXXX received a default letter on my loan. So this complaint is about an agreement that is not being honored and the fact that I have made all the payments required, and it does not appear they are being applied to my loan. I am requesting your assistance in settling this before I initiate litigation against this company In regards to the questions below not sure how to answer. I have received a default letter but I have made payments which have not been applied. 
I will send you a list. I believe the default in error. The right hand does not know what the left is doing. Additionally, I have hired an attorney to tentatively look into this. I am requesting your assistance as as well. So I have done all they have asked. They are not honoring their portion of the agreement. Attached are my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked into my Experian credit report to try and figure out why my score was so low. I found an unpaid auto loan account with " XXXX ''. 

The account no. was shown as XXXX, opened on XX/XX/15, and was shown as a joint account with a person named XXXX XXXX. 

I have never done any business with XXXX, and I do not know any person named XXXX XXXX.
Product: Vehicle loan or lease

Me and my wife have been with this company since XXXX. We both looked at our credit report and noticed that our account with SNACC was closed due to no payment and payments. When me and my wife has clearly been making payments on time and every month. Other than when I was XXXX and I tried to tell them that and they still took the car. I paid well over XXXX to get the car back and now I see that on our credit report. We filled a despuit with the credit place and they came back to say the same thing. Now just this month we got an email that we didnt pay and it hit our credit again. They been doing this since XXXX. Now my car broke down and now we cant get into anything else due to our credit being low becuase of them reporting us late or not paying at all. We we have prove that we have paid every month and the month I was XXXX and took the car.
Product: Student loan

I no longer respond to the many phone calls I get daily from Aspire as I don't understand how my federal student loans magically turned into private loans. They call everyday telling me that my loan has been in default since XX/XX/2022, which is incorrect because my federal loans were in forbearance for the past few years. This company has been calling me nonstop suggesting that they will help me with a payment arrangement with many kinds of programs like forbearance and income-based repayment plans and if I don't comply, they will garnish my pay, I'll be in default and my credit will be ruined and the government will take my tax return if I don't comply. I don't understand how they became my federal student loan servicer. They harass me EVERYDAY, any help in this matter would be appreciated.
Product: Debt collection

On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Suntrust Bank. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Suntrust Bank on XX/XX/2020. I never asked or gave Suntrust Bank permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), and 15 USC 1692e ( 2 ) a. On XX/XX/2020, Suntrust Bank sent me a statement/bill of an alleged debt., with information about auto-loan information stating that I received a loan. I never received a loan from Suntrust Bank, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed some unfamiliar accounts on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I do not recognize these accounts and believe them to be fraudulent. please remove/delete these accounts immediately.
Product: Debt collection

Your company PORTFOLIO RECOV ASSOC never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau sent me an email stating that they had system issues with their XXXX product. The failed XXXX product kept removing information from my credit report. I called numerous times and Experian refuses to fix this problem but kept reducing my credit rating. 

Experian Credit Bureau reduced my credit rating which resulted from their failed XXXX product. Additionally, Experian keep repeatedly removing credit information showing payments that I had made. I filed a complaint with the XXXX XXXX XXXX ( Complaint # XXXX ) and they failed to respond to the XXXX  complaint.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to get this inaccurate account of XXXX XXXX XXXX deleted from my credit file on XX/XX/XXXX I sent a letter to Experian requesting that they remove this account for inaccurate information. They responded that the information is updated and refused to remove it. I then sent another letter on XX/XX/XXXX. letting them know they violated my rights. they again sent the same auto generated letter with verified account. I on XX/XX/XXXX filed a complaint and dispute with you and again they are still saying that they have verified the information which I know this not to be true. I am sending this complaint again because this is a serious violation of my rights!
Product: Credit card or prepaid card

I am a victim of identity theft and I want my account reactivated. I have had this card for over 7 years. They should do a check on their employees who are accessing citizens accounts, charging their cards, and causing problems. Someone in Florida accessed my account last year and made a purchase for {$55.00} that I disputed. 

Then I received this on XX/XX/2020 ; that my account was suspended. 

card Account ending in XXXX Hi, XXXX XXXX, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX   XXXX XXXX, GA XXXX Thanks, The American Express Serve Team
Product: Credit card or prepaid card

I had 16 months of exceptional payments with Capital One Bank and I sent a goodwill letter because I was going through hardships and I couldn't pay it on time. Despite sending the goodwill letter Capitol One Bank still wants a payment. I paid a settlement amount of {$280.00} in full and I spoke to a representative from the collection agency and kindly asked them to delete the negative reports on my credit report they refused to do so. This is unfair practice and after making a full payments this deragotory item remains. This is hurting my ability to get credit I need help to get this removed off my credit report.
Product: Credit reporting or other personal consumer reports

Please removed all fraudulent account in my report they affecting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started with XXXX XXXX, equifax and XXXX  on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious errors.
Product: Credit reporting or other personal consumer reports

I received a copy of my EXPERIAN CREDIT PROFILE THERE IS INCORRECT INFORMATION AND ACCOUNTS THAT DONT BELONG TO ME
Product: Payday loan, title loan, or personal loan

I took out a title loan in XXXX XX/XX/XXXX for {$4200.00} +/- I actually received {$3500.00} in my account. The rate was 120 % and apr same. Hi and I was planning to pay off quick. I made payments on XX/XX/XXXX {$430.00} ... yes a few days after I got the loan. Is that illegal? Another payment on XX/XX/XXXX in the amount of {$430.00} I was late next couple months but made payments of {$430.00} on XX/XX/XXXX. 

They state that on XX/XX/XXXX that I/ the loan accrual {$840.00} I made a payment same day of {$430.00} and they also billed me another {$430.00} of interest. Making it so that no progress while Im under the impression that Im actually paying towards the Intreat so it doesnt double but even while making the payment the pushed more interest - from the look of the file outta thin air. 


Then it shows that they billed me again in that same month and I was late. Idk how Im making payments per month and theyre saying I accrual of intreat is 200 %. 

At this point while I loss my job which was the reason I took out the loan.. I missed payments XX/XX/XXXX and setup payment plan and made {$50.00} payment on XX/XX/XXXX and they gave me an extension on next payments. 

I missed payments XX/XX/XXXX and XX/XX/XXXX then they charged me accrual interest of {$1200.00} on XX/XX/XXXX. Im actually confused by looking at their pdf they sent me with my payment history so this is why Im reaching out. You will see that even tho Im making payments theres intreat accruing ontop of my payments and for the last 7 months you can see on pdf that after each payment they put intreat ontop then charge taht to my account after I pay. Im stuck I want to payoff this loan but want my fair payoff and not tacked on intreat fees. There is no clear outlined of principle payments vs interest payments. In the pdf you can see intreat being changed and added but principal balance never changes.
Product: Credit card or prepaid card

Dear, Chase I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/XXXX, XXXXThe charge is in error because the merchant cancelled the order for credit card verification purposes and refunded me in the amount of {$8300.00}. Then rebilled my account for the amount of {$500.00} I was able to contact the merchant and find out that I had been charged for a separate order that was processed without my knowledge and has already been returned but the merchant did not advise me of when a credit would be applied to the account. Can you please continue the dispute as I have proof a returned receipt. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. The merchant now has their merchandise back and along with the funds paid to them Attached are copies of a XXXX tracking information supporting my position that the entire order was returned. Please correct the error on my account promptly.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Regarding Misrepresentation of Account Status and False Reporting** Dear CFPB, I am writing to file a formal complaint against TRANSUNION AND XXXX for falsely reporting to the Consumer Financial Protection Bureau ( CFPB ) that corrections were made to my credit account, which continued to incorrectly report as " late. '' Despite assurances provided to the CFPB and myself that the inaccuracies in my credit report had been corrected, upon reviewing my account on XX/XX/XXXX, I discovered that no such corrections had been made. The account in question is still reporting as late, which is inconsistent with the information provided to the CFPB. 

This misrepresentation has not only misled the CFPB but has also caused significant and ongoing harm to my credit score, thereby affecting my financial integrity and ability to secure financial services. The failure to update and correct the reporting as claimed has undermined my trust in the reporting process and has continued to impact me negatively. 

I urgently request a thorough re-investigation of this matter and immediate correction of my credit report. Additionally, I seek transparency regarding the communication that led to the erroneous report to the CFPB. 

Please confirm receipt of this complaint and provide a timeline for the resolution. I am prepared to provide further documentation as needed to assist in resolving this issue promptly. 

Thank you for your attention to this serious matter. I look forward to your swift response and resolution.
Product: Debt collection

A company that didnt name themselves contacted me and said they were a processing and claims company. I had a debt from XXXX with XXXX XXXX and they were going to sue me for malicious intent to defraud in the amount of XXXX this was to include legal fees. 
I was scared and willing to set up payments. We did set up payments in the amount of 10 payments of XXXX dollars. This was to pay for the debt amount of XXXX. They added money for payments My account was withdrawn. They sent me a XXXX form to sign agreeing to this plan. When I received it. It looked non professional and I was worried. So, I XXXX  the company name on the form XXXX, XXXX XXXX XXXX address in XXXX Ca. And no business was found. However, phantom debt collectors came up. The company that withdrew the money from my bank was named XXXX XXXX. When I called back to ask for more legal documents proving why they were and providing my actual debt account information the lady started getting mean with me and said we will sue you then and Im adding an additional XXXX dollars for retracting these payments and forms. She then retracted the XXXX form and any other information that was on that document. They also withdrew 2 payments at a time and I was now even more terrified. I emailed back the XXXX email stating I wasnt refusing to pay my past debt but just wanted more information. The lady also said they didnt have to give me a name of their company or any further information making me more worried especially with her attitude. 
I wanted in good faith to pay back this debt if it was mine ( which I cant remember or even know ) but I am worried they are not legitimate company. I spoke to a XXXX XXXX who was very nice prior to speaking to the woman. The XXXX came from a XXXX XXXX and the reply support email is XXXX. 
If this company is legit I am more than willing to pay what is owed on my original debt but I would need legal documentation to guarantee who they are and my account is mine. I honestly dont remember XXXX having an XXXX XXXX XXXX. Please help me with this.