23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ive been trying to get my credit card sent to me since XXXX, but Ive faced nothing but obstacles. Despite following their instructions to send in my ID and a utility bill, which I did by emailing my passport and utility statement, I still havent received the card. Each time I call, they insist I should already have it, yet now they claim there's a block on the card requiring further review before it can be sent. This makes no sense, as they should have sent the card initially without issue.

The customer service process has been incredibly frustrating ; the calls are outsourced, and representatives are clearly reading from scripts, often giving me conflicting information. Ive been told everything from 3-5 days to 7-10 days for delivery, only to later hear the card was never sent or has been closed. Worse, they say they cant escalate me to a higher authority. 

Recently, I discovered that my credit report shows this account as closed, yet customer service says its still open. This companys practices seem highly misleading, and I believe they should be investigated. 

- Applied and Approved for credit card XX/XX/year>, - Sent notification that I have never received my card XX/XX/year> - Sent in the information to change my address for the card on XX/XX/year>, XXXX - They said they couldnt verify my passport so I sent them it again along with my ID on XX/XX/year>, XXXX - Sent them another email with on XX/XX/year>, XXXX - called Friday XX/XX/year> to follow up and they said they didnt receive it.
Product: Money transfer, virtual currency, or money service

I want all the monies that is due to return to users
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i Singh up for XXXX XXXX to repair my credit and after few months i canceled it due to my financial problem, so they messed up my credit score. then i've been trying to build my credit by my own up to XXXX. suddenly they called me last week trying get me to Singh another contract which i said no, then i cheek my credit score next day its dropped XXXX. they did the same thing with wife, her credit score was XXXX and when she cancel its doped to XXXX. please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Experian, XXXX did not follow the law, I have disputed accounts and personal information and Experian had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX  they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for the last two years to get this account off my credit profile. Each bureau is violating my privacy right according to 15 USC 1681. Besides That, an imposter went into a dealership with a fake id to act as if they were me to obtain o vehicle. That is called identity theft. This is just one other reason the count should be deleted. 

The Law Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NEVER GAVE ANY BUREAU WRITTEN CONSENT TO REPORT MY PERSONAL INFORMATION OR ANY ACCOUNTS. MY PRIVACY IS BEING VIOLATED PLEASE SEE THAT THESE ACCOUNTS BE DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is extremely alarming and I am distressed, there appears to be a fraudulent credit inquiry done under my name and I never benefitted from any of it. This is already reported to the Federal Trade Commission but it is not removed from my report.
Product: Mortgage

I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. 

I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. 

Please refer to my very detailed letter and all of the subsequent attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a letter to XXXX XXXX concerning this negative item on my credit on XX/XX/2018 and XX/XX/2018 with no response to neither one of them.i would like assistance with this matter, obviously they has disregard the 30 days time allowed by law.my balance is incorrect and it should be XXXX XXXX and i'm asking them to verified it bearing my signature as well. 

usps XXXX this is the certified letter from the postal service
Product: Mortgage

On XX/XX/2021, I received a cancellation notice from my homeowner 's insurance company for non-payment of premium. I understood that my mortgage company, Wells Fargo, would be paying my annual homeowner 's insurance fee. My understanding of this was based on a written assurance from the agent who handled my refinance. Wells Fargo was my mortgage company both before and after the refinance. When I refinanced my mortgage in XXXX of 2021, I noticed that the closing documents set aside {$840.00} in escrow payments for the payment of property taxes but had {$0.00} set aside for paying homeowner 's insurance. As a result, I wrote to the agent who originated my refinanced loan, XXXX XXXX, to clarify and asked if the amount going to escrow every month would also be used to pay my homeowner 's insurance, as it had been during my previous mortgage with Wells Fargo. He replied that yes, my escrow would be used to pay both property taxes and homeowner 's insurance. On the strength of that assurance, made in writing, I understood that Wells Fargo would continue paying for my property taxes as well my homeowner 's insurance from the escrow account created through my $ XXXX  monthly payments. 

When I called Wells Fargo to sort out the matter today, I was told that the closing documents indicated that money was only for paying property taxes and that there was no arrangement to pay for my homeowner 's insurance. The mortgage company, rather than acting in good faith to carry out the arrangement that I was assured in writing existed now and in the future, simply said that they could add paying homeowner 's insurance in the future if I paid extra money towards the escrow account. 

I was misled the company, and I believe it is their duty to carry out what I understood to be the terms of the agreement : I would pay {$840.00} a month towards escrow, and that amount would be used to pay for both my property taxes and my homeowner 's insurance. That would be the honorable course of action for them to take. Their false assurances have led to a lapse in my homeowner 's insurance coverage. They are responsible for the problem, and they should take responsibility for a fair solution that acknowledges and accounts for the role their misleading communications played in the problem.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

XX/XX/XXXX will make it one year since I had a Mole Infestation devastation at my XXXX XXXX XXXX it destroys the internal walls down to the Studs. 
I apply for a Mortgage Hardship Program since XX/XX/2023, 10 months now and Loan Depot refuses to give me a modification. 
Its very frustrating because they send out an XXXX whom reported that the XXXX is uninhabitable. 
loan Depot kept with asking for paperwork and bank statements, we kept on producing and reapplying and they kept on abusing their power driving me down the foreclosure route. 
I have XXXX children with XXXX XXXX whom trying to cope and fearful of losing their home. 
Loan Depot keep on playing games, and Refusal to assist with the " Hardship Program for a Disaster that I had no control off. 
This is a Formal Complaint against Loan Depot refusal to assist with a Morgage Modification Program. Taxes & Late fees continue to add up and each department including customer service keeps calling or sending letters of late Mortgage balance.
Product: Debt collection

While a student attending XXXX XXXX XXXX XXXX in XXXX XXXX, TX my mother leased a home on or about XXXX from XXXX XXXX XXXX  and was required to provide information on all persons residing at the property. I graduated XXXX XXXX in XX/XX/XXXX moved away and enrolled in XXXX University. On or about XXXX when applying to rent an apartment from XXXX XXXX  in XXXX, Tx, I learned about a Collection account ( total : {$11000.00} ) entered into my credit file with XXXX, XXXX, and XXXX. I informed my mother and she executed an affidavit for the property management stating that I was not a guarantor on the lease agreement and she was and is the responsible party. So I was allowed to rent the apartment unit. 

I also, drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) informing them that the Collection Agency did not provide proof that I am the owner of the debt and requested that they remove the collection account from my credit file, however they refused. On XXXX, I sent a letter to XXXX XXXX XXXX demanding they send proof that I am the owner of the debt and to remove the Collection from my Credit File, to which they have not responded. Also, while corresponding with the XXXX XXXX XXXX XXXX, via email, it was stated that there was not an eviction case filed ( See attached document ) This debt does not belong to me and the CBSA Collections nor XXXX XXXX XXXX, nor the Credit Reporting Agencieshave verified that the debt belongs to me. It isimpacting my ability to lease housing and obtain credit lines and needs to be removed.
Product: Credit reporting

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation Dear Sir or Madam,
Product: Mortgage

We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!
Product: Debt collection

I have repeatedly requested that this company provide proof that this debt is mine. I have specifically asked for proof of my signature to validate this debt and they have failed to provide any proof or documentation. They are falsely reporting on my credit report and impacting my life.
Product: Mortgage

Two of the last three months we have paid additional principal payments which were not recorded. In XXXX I contacted them and the next day I got am email that I was correct and how would I like to handle it.I responded to the email to call me and I would authorize payment. I never received a response. The two months in question are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Chex systems sometime in 2017 they reported an account from XXXX XXXX stating that I somehow owed them XXXX XXXX XXXX dollars which was completely false they never even let me open the account I had paid a XXXX dollar account opening fee that they refunded back to me right away I didnt have the account open for one whole day before they closed it and gave me the XXXX dollars back so I disputed this through their system and they denied me they considered it to be valid I dont know how or what they determined their decision based on because it was false on all levels but besides all of that it has been more then 3 years now and by law they legally have to take it out of my name I have tried to dispute it and demanded a request for removal procedure for the false account and all the millions of denied and declined inquiries from all the banks for the last past 3 years
Product: Vehicle loan or lease

American car center closed its doors like right after all the papers were signed for my buy out of the lease i was waiting on my title with them as lien holder for the amount of XXXX no finance charge that included the cost ofXXXX for tags and license which I never have received I did not know where to make payments until XX/XX/2023 at that time I requested my tags and they gave me the run around I call weekly trying to get someone to help I felt like that if I kept paying my payment Id never own the vehicle so I stopped making payments they now have repossessed my vehicle I was never late on my payment to American car center I paid them well overXXXX dollars and I have now lost that money because the didnt hold up to their own contract of providing me with a title so I could tag my car and drive it cause my tags went out in XX/XX/2023
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, which is related to the account referenced above. I did not request verification of the debt ; rather, I am requesting validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Product: Mortgage

I purchased my house XXXX XXXX, 2007 from  Washington Mutual BankXXXX XXXX and I was foreclosed on BY JPMORGAN CHASE BANK. I defaulted on my payment. JPMCB modified my loan a couple of times, but due to a string of major injuries, I defaulted on them also. I again summited doc to prevent my home from going into foreclosure, but after 5 -7 submittals, I was denied. The following day I received a letter of default without any notice. I researched on the procedures on foreclosure and have strong evidence JPMorgan illegally ( Fraud ) foreclosed on me. First, they did not contact me 30 days prior to starting starting the foreclose process. 2. They didnt file and record assignments properly. 3. Washington Mutual Bank is holder of the Title, Not JPMorgan Chase Bank. Chase has no right to foreclose my house. In addition, there is a settlement agreement in place. I Requested documents from JPMCB for my account log for the loan. It clearly shows {$440000.00} was credited to my loan account three days after I signed my promissory note. Basically, funded my loan. I researched and know enough how the banking and court system works. To protect myself, I filed a UCC Financing Statement with the county recorder of XXXX CALIFORNIA and with Secretary of the State of CALIFORNIA. The acting trustee ignored the lien and still went ahead sold my house in a trustee sale. The trustee knowingly sold my property with a clouded title. Now the person that bought my property way below market value then turned around and put it up for sale XXXX when I did all the work with my energy. But now he cant sale the property, I hold the deed of trust. Now my family split up because we cant find a place to live that can accommodate all of us, a family of XXXX. I would like to resolve this quiet and easy without dragging it in to court. We have suffered enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the emotional and financial distress caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you may require. 

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

They are telling me that my account is not eligible for XXXX XXXX because I have 2 additional accounts open. They say my account is connected to : XXXX XXXX I have no idea who these people are and I don't have access to these email addresses at all. 

This is VERY scary. Their information is NOT secure, or they have been hacked. This needs to be investigated immediately.
Product: Debt or credit management

I have paid XXXXmonth for debt settlement for 2 years. Nothing has been settled or paid. I called XXXX XXXX who is supposed to be holding my funds in escrow and I am told I have XXXX in that account. Law firm of Derek Williams has taken the rest of the money and done nothing for me. I am unable to reach anyone at this institution by phone. It either just hangs up or I am placed on terminal hold.