23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home loan and it was sold to NewRez XXXX XXXX  on XX/XX/XXXX, with the next county tax payments due within 30 days of sale. In the onboarding process, NewRez failed to check tax status, so in XX/XX/XXXX, I received a tax default notice from XXXX County, IL that payment was past due, and on XX/XX/XXXX a second installment was due. Contacted New Rez and they sent both payments, but evidently took too long, and the delinquent interest was insufficient or tax parcel ID didn't match, as XXXX XXXX rejected and returned the payment. Evidently, XXXX doesn't employ at tax service to ensure payments? Again in XXXX, I received a second default notice from XXXX XXXX that both 1st and 2nd installments were now past due with additional interest by XX/XX/XXXX. I contacted NewRez again and on XX/XX/XXXX they paid both installments. On XX/XX/XXXX, I called XXXX  County to check the status, and neither payment had been received, so to stop additional action, I paid the entire bill out of my own funds {$4000.00}. On XX/XX/XXXX after XXXX County did not show a tax refund overpayment on my parcel for the NewRez payments, I contacted NewRez and informed them I want the following actions taken :!. ) What happened to my tax payments and where have they gone? XXXX County has no record of receiving the XX/XX/XXXX payments 2. ) I want immediate reimbursement of the full amount of taxes and interest I just paid on XX/XX/XXXX {$4000.00} XXXX. ) I want my escrow account requirement suspended and all escrow funds returned to me immediately. I will pay all escrow-related items, as you have proven over the past year to be incompetent at handling them. 
XXXX. ) As a former Servicing Compliance Executive at XXXX XXXX, I will be filing formal complaints with CFPB, XXXX XXXX ( mortgagee ), and my Congressman. 

They still haven't responded other than an email that they received my initial request How can CFPB let the three worst servicers in the nation, XXXX, XXXX, and NewRez combine into one giant servicing operation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion 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 DELETE the accounts in my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

There were XXXX unauthorized withdrawals of {$1000.00} each that were made from different ATMs using my debit card. My bank account from Chase Bank shows that on XX/XX/2022 a withdrawal of {$1000.00} was made from an ATM machine on XXXX in XXXX and another {$1000.00} was withdrawn on the same day apparently from another ATM also on XXXX. When I notified Chase Bank about these unauthorized transactions I was told by them that their credit/debit cards have built in securities in place that would prevent thefts like this from happening and because of this they told me my claim for recovering the money is denied. Since this theft happened it shows that their security can be breached. Im the only person who possesses the PIN number. I have tried calling my bank up to ask them to at least look at the camera footage at the ATMs, assuming they should have cameras at every ATM locations, to find out who is making these illegal withdrawals and each time I was unable to get a hold of anyone at the Chase Bank XXXX XXXX ( NJ ) I am hoping you can help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why was my credit report accessed without my permission and based upon the attached, undated, and incomplete application when it clearly states incomplete applications will not be processed? Why doesn't Experian regulate their clients to ensure lawful access to a person 's private information? Why doesn't XXXX XXXX XXXX XXXX ( XXXX ) regulate their employees to lawfully have permissible permission before accessing a person 's private information? Why does Experian and XXXX continue to ignore their liability by ignoring my complaints and request? The forged and incomplete application was the first step to a fraudulent loan and both have failed their responsibility as a professional company. The companies lack proper management.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

This is my second request for a loan modification with Citizens, and the entire process has been unbearable. I can't even walk into a branch to speak to someone directly. Every time I call the number they provide ( XXXX ), I get routed overseas, which adds to my frustration. Explaining my situation to someone in another country who cant truly help, and then being unable to get transferred to someone who can, is wearing me down. I can't take this back-and-forth with Citizens Bank any longer . Then not being able to visit a local branch for any help. Its just awful. Try being in my shoesalone, with no one to help, and trying to navigate this nightmare of a process. Every step feels like a brick wall. No one at Citizens Bank is there when I need them. I cant even walk into a branch and talk to someone face-to-face. Instead, I call their number ( XXXX ) and get routed overseas to someone who cant help, who doesnt even understand the situation, and Im stuck explaining my struggles over and over again, getting nowhere. 

Letters continue to come in, first saying they need more information, then saying my modification is under review. This has been dragging on for nine months, and it's showing up on my credit score. Its unbelievable to me that Im being held to a score in a system that feels broken while Im just trying to stay afloat. My situation is serious, and I need Citizens Bank to either lower my interest rate or, at this point, even consider erasing the loan. The stress has become overwhelming. 

Citizens Bank rejected my modification because I missed their tight deadlineI wasnt even home when the package arrived. I returned it late, but giving just six days, including a holiday and weekend, is simply unreasonable. I had no idea the package was coming, and I was out of town. 

Ive been trying to work with the bank since XXXX, and all Im asking for is some understanding. I want to stay in my home, but now XXXX being forced to start this grueling process all over again. I need Citizens Bank to step in, lower my interest rate, or seriously consider erasing the loan. I can't handle much more of this. 

I spoke to this rep once XX/XX/XXXX and unlocked my credit as requested and haven't heard back. I am doing all the steps and getting no where. 
Relationship Manager Name : XXXX XXXX Phone Number : XXXX This entire situation has been beyond stressful. I uploaded all the required information back in XXXX, thinking I was finally getting somewhere. But instead of progress, I keep receiving more letters saying that the information is missing or not on file. Its mind-boggling because everything has already been uploaded onlineexactly as instructed. 

Yet, when I call, the representative cant even find the documents. Im stuck in this maddening loop of uploading everything over and over again, with no clear answers and no one taking responsibility for the mess. It feels like Im fighting a losing battle, and all the stress is piling on, day after day. I dont know how much more of this I can take..
Product: Debt collection

I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX  as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Sunrise credit services contacted me about an account opened in my name. Stated I have a balance of {$1300.00}. I contacted them and stated this is not an account I opened. It was opened in a different city from where I live ( I live in XXXX XXXX ). They even had a different email address on file than that of mine ( XXXX ).
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred.Despite having sufficient funds when transactions were authorized, Iwas charged fees due to lagging posting of charges and credits. I believe that these practices are unfair and require an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

Transunion has failed to remove a collection account that is reporting inaccurately. I have since contacted the company and they have agreed to remove the collection account. Both XXXX and XXXX have removed the collection account. Transunion is in violation of the FCRA for the continuation of furnishing incorrect data. I will attach my credit report to show the incorrect information and to show my current report where Transunion is the only bureau to report this information. Please remove the following account within 15 days XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Debt collection

I received a letter, dated XX/XX/XXXX, from JEFFERSON CAPITAL SYSTEMS , LLC ( JCS ) claiming that I owed a past due debt. No information was provided other than a dollar amount and a financial firm 's name - no description was offered, no date, and no other backup information of any kind. I know that I did not have any past debts, but I was concerned that someone had possibly incurred debt under my name. I therefore indicated that I disputed the debt and requested, by certified mail, that JCS provide information on the debt that they indicated I am entitled under the Fair Debt Collection Practices Act ( FDCPA ) so that I could understand their basis for claiming that I owed a debt. 

In their second letter, dated XX/XX/XXXX, they did not provide any further information as I was entitled under the FDCPA and as I requested. Instead, they asked me to certify that my identity had been stolen. Prior to receiving the second letter, I had contact the financial institution who was the supposed holder of the original debt, and they indicated that my accounts had been closed with no balance and that I did not owe anything. I sent another letter with this information to JCS and again requested that provide me with information as required by the FDCPA such as : - A detailed explanation of the charge - The date of the charge and supposed default - Name of the charge-off creditor and account number - The name of any other debtor or creditor associated with the charge - The names of all entities that have purchased the debt - A copy of any and all contracts or documents evidencing my agreement to the debt In their third letter, dated XX/XX/XXXX, they again did not provide me any information at all to corroborate the supposed debt. Instead, they simply said that because my debt was too old that they were closing my file and would pursue no additional action. This reason is nonsensical because they must have known the age of the supposed debt before they sent their first letter ( even though they never provided that information to me ). Their refusal to provide any information whatsoever regarding this supposed debt and to dismiss it leads suggests that their closing of the case occurred because the debt was fabricated, and that JCS knows that the debt is fabricated. I believe this is why JCS refused to provide me with information that they are required to provide by the FDCPA.
Product: Debt collection

I have never done business with this company nor have I ever entered into a contractual relationship with them nor have they ever provided me with goods or services YET they have reported their fraudulent trade line against my SSN to all the credit bureaus as if we have entered an agreement. Over a year ago I asked them to provide me with the contract I entered with them or a business agreement with my signature ( to validate the account ) and they have YET to provide adequate proof. They have provided statements that appear to be doctored. That alone is NOT enough to validate the legality of said debt. Nor does it validate that I AM the person you seek. Every month they re-age their fraudulent trade line against my SSN to all the major credit bureaus Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a police report. I am a victim of identity theft. The following Reported Information and Inquiries Viewed By Others currently listed and showing on my Chex Systems XXXX XXXX XXXX XXXX XXXXXXXX are fraudulent accounts and hard inquiries : 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
Product: Money transfer, virtual currency, or money service

To the Support Team, ** I am writing to file a complaint regarding a payment I received in my account on XXXX XXXX. As soon as the amount was credited, I received an email notification stating that, unfortunately, it is sometimes not possible to process all payments due to card operator guidelines or possible local internal restrictions. 

This message arrived almost immediately after the payment, and I believe there has been some kind of misunderstanding or automatic block. I would like to emphasize that my account fully complies with all platform laws and guidelines, with no irregularities that would justify suspending its features. 

Therefore, I request a new evaluation of my case. I also ask that my account functions be restored and that my access be reestablished as soon as possible. I am at your disposal to provide any additional information that may be necessary. 

Thank you for your attention, and I look forward to your response. 

**Sincerely, ** XXXX XXXX
Product: Student loan

Over the years I borrowed Like {$80000.00}, now I owe {$200000.00}. First of all this is crazy. The interest is ridiculous. I have asked they consolidate ALL my loans which they have NOT. The President has payments on hold, EVEN defaulted loans. I can not get a break, they call me over and over again day after day. I have tried to go online to at least make a particle payment. But their site says it doesn't recognize me ( how can you give your birthday & SS number and it not find me ). If this is so, how can they keep calling me. I sent them an email a while back about the Presidents Hold, that just made them call me more.

I just want to make them stop calling me until repayment starts. I also want to get online to their site without having to call them because if I call they just harass me more. Please tell me what to do.
Product: Checking or savings account

Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Checking or savings account Issue : Managing an account Chase responded to me on the above complaint. I was promised a check of the full amount to the checking account that Chase froze. I received only a letter that Chase was looking into the matter. 

This has been many months and still no resolution. 

The effect of this refusal of sending me the money in my bank account has caused a great hardship. 
The full effect of this is that funds from another account have been taken because of no resolution of this Chase matter. I can no long pay utilities, car payment, food, and daily living. 

This has been many months of refusal of the funds XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX  XXXX  XXXX  ( XXXX  ) # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries from car lenders that I did not apply to or give any one permission to use My social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX
Product: Credit card or prepaid card

I bought two suits from Macys.com on XX/XX/XXXX, and XX/XX/XXXX, respectively. I picked up both suits on XX/XX/XXXX, and returned one due to it being the incorrect size. This caused a credit of {$150.00} on my account, the original charge for one of the suits. 

I opted to have Macy 's alter my suit to provide a better fit. They charged {$58.00} for this. A week later I picked up the suit and fully wore it. The quality of the suit is not to the standard for the company who makes the suit. I went back to the Macy 's store, and was told that I could not return it due to it being altered. I let the sales rep know that I'm returning it due to the material and quality of the suit. They stated that their policy would not allow them to return the suit. 

I initiated a dispute with the credit company which I used for payment, the Macy 's store card. Twice I received a letter in the mail saying that I was already refunded the money. This is incorrect. I was refunded the original suit that I purchased and returned, not the current suit that was altered and had the substandard quality that I expect from the company. 

I called Macy 's Credit Card line on XX/XX/XXXX. I explained my situation. At first they did not understand what I was referring to, since in the statement in says that I received a refund for a suit. They did not understand that I had purchased two suits, and one suit was already returned, and that I was making a dispute on the other one. 

The credit supervisor let me know that unfortunately due to store policy they could do a refund. I then stated this was the point of the dispute, that I was disputing the charge due to the substandard quality of the suit. She then stated I would have to take it up with the manufacturer. I asked her how would this be done, given that I purchased it from them, and I could not just ring up the manufacturer to tell them about the substandard quality their suit had. She did not have a response.