23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by the company credence RM regarding an XXXX  account that we had a balance for coat of phones themselves and had switched providers. We agreed to a settlement amount that was taken from our bank account in XXXX of 2020. This was set up in two separate payment we received receipts and was with XXXX  mobile. We did not dispute account or amount. After a few months now in XXXX of 2020 we received a new debt notification from the same company in a phone call wanting to collect for " XXXX  wire '' I explained this was already paid and this was no longer an active debt. She said this was for a landline phone in which we have never had. I asked for a validation of debt letter and she said we needed to pay and they never got payment from us on anything. She would not listen to my request asking for proof. She would only respond with if you paid give me the receipt and account number after I did she said no that was a cell phone account this is a wire account which I believe is just wireless cut off. They have refused to dispute or to acknowledge payment of a previous account multiple times and will not send us proof of the debt before we pay. We were in the process of purchasing a home and now have a debt on credit that I can get no information on.
Product: Checking or savings account

On XX/XX/2020 my US Government stimulus check in the amount of {$2900.00} was deposited into the wrong PNC bank account and the issue is still not resolved and its almost been 5 months! I do not even have an account with PNC Bank. The bank told me they couldnt do anything about it and for me to contact the other name on the account and ask if they would return it, but I think that is outrageous. What if they say no they are not returning the money to me? Am I just supposed to hope that everyone believes in the honor system? No way! The bank made the error and they need to fix it, immediately! I will not take time out of my day to make the phone calls that they are being paid to make.
Product: Debt collection

Experian is allowing a unverified debt to be posted to my credit report. Experian and XXXX XXXX have not supplied documentation to prove I own this debt. 
XXXX XXXX submitted a fraudulent unverified debt to the credit bureaus under my profile. 
XXXX XXXX is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation XXXX XXXX has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. XXXX XXXX also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.
Product: Bank account or service

I signed up for a Citigold checking account in XXXX 2015 during a XXXX XXXX miles promotion and completed the requirements of the promotion within 60 days. Briefly, to earn these miles, I had to do one bill pay in two consecutive months and make {$1000.00} in purchases with my Citi debit card within 60 days of opening the checking account. Despite a representative confirming that a ) the signup bonus had been applied to my account and b ) that I would receive my bonus within 90 days of completing the requirements ( i.e., by XX/XX/XXXX at the very latest ), I have not received the miles. Meanwhile, my Citigold account has a $ XXXX/month fee that is not waivable.
Product: Checking or savings account

Dear CFPB officials, I am writing to express my deep frustration and seek urgent assistance regarding my XXXX checking account, which was closed in XX/XX/XXXX without any explanation. Despite multiple attempts to resolve this issue, I have not received the funds remaining in my account, which totals {$7700.00}. Below is a detailed account of the events and actions taken : XXXX. Account Closure : Date : XX/XX/XXXX Action : My Chase checking account was closed without any reason provided. 

XXXX. Initial Contact : Date : Shortly after the account closure in XX/XX/XXXX Action : I called Chase customer service and was informed that I would receive the remaining balance via check within XXXX days. 

XXXX. Follow-up : Date : Late XX/XX/XXXX ( after XXXX weeks had passed ) Action : Since I had not received the check, I called customer service again. This time, I was told my account was under review. 

XXXX. Ongoing Investigation : Date : From XX/XX/XXXX to the present Action : I have been consistently calling Chase customer service every XXXX weeks. Each time, I am told that my account is being reviewed by the legal team, with no further explanation or resolution provided. 

XXXX. Current Situation : Issue : The {$7700.00} balance from my closed checking account is still being held by Chase. 
Impact : This substantial amount is critical for me as I need it to pay for my rent and upcoming tuition fees. 

Despite my numerous calls and the significant time that has passed, there has been no progress in resolving this matter. I am at a loss for what steps to take next and am urgently seeking your assistance in releasing my funds. 

I am not concerned about reopening my Chase account ; I simply need my money returned to me as soon as possible. This situation has caused me considerable financial stress, and I kindly ask for your immediate attention and action to resolve this matter. 

Please help me get my money back. I look forward to your prompt response and resolution. 

Sincerely, Chase Previous Customer
Product: Credit card or prepaid card

I applied for the Chase Southwest Rapid Rewards card in XXXX of 2022. I was approved and the card was sent to my mailing address. When I received the card I activated it and starting using it. Literally days later I started having issues with the company locking my card. I called in numerous of times and told them I was using my card and that all transactions were valid. The company decided out of the blue to close my account because they thought I was a victim of identity theft. I confirmed with the company that it was not identity theft and that I was using the card. I requested that they open my card back up and they denied me. THIS HAS ALSO HAPPEN TO ME IN THE PAST WITH THIS COMPANY I HAD A CHECKING ACCOUNT AND IT WAS CLOSED FOR NO REASON.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with XXXX XXXX  -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.
Product: Mortgage

REOPEN Claim # XXXX Their answer contains false information. As I will explain once again below. ( I will asterisk the false information ) ( Subsequent covid-related deaths among 4 close family members resulted in a second XXXX forbearance from XXXX until XX/XX/XXXX. At the end of the second XXXX term, the mortgage company demanded we either pay the full amount in arrears or enter into a new refinanced agreement with an interest rate of over 7 %. 

We explained that there was no way we could not afford the new proposed interest rate 's monthly payment. **In a XX/XX/XXXX letter the Company said that we were wrong and that we COULD afford it. BUT the second page of their letter shows that we COULD NOT -- their letter showed that we would be in a negative income situation with the new interest rate. ( **I have a hard copy, but this XX/XX/XXXX letter has been deleted from their collection of online documents. ) We just kept putting the money we could have paid to Mr. Cooper into our own savings account. Mr. Cooper continued to refuse to accept any payments. Each month that went by we deposited the monthly mortgage payments into our savings. 

Then, on XX/XX/XXXX, we explained to Mr. Cooper by letter that due to our XXXX we can not afford to relocate and therefore asked Mr Cooper to accept our monthly mortgage payments, plus the funds we had saved, as a reasonable accommodation under the federal Fair Housing Act. 

Mr Cooper acknowledged receipt of our request in a letter stating that a response would be forthcoming on or by XX/XX/XXXX. 

While waiting for Mr Cooper 's response our garage burned down and was a complete loss. An insurance claim was filed. As a result, we were issued insurance proceeds in the amount of {$110000.00} which were deposited with Mr Cooper for the purpose of repairing the property. 

Mr Cooper has only sent us {$10000.00}. On a phone call we were told that the Insurance Funds will not be released until we pay {$33000.00}. Without reasonable explanation or justification, we are told we failed the inspection. ** The company 's response to the complaint we made last week now states that we requested a 90 % inspection. We do not know what that even means. We would never request a 90 % inspection. 

Our request for a reasonable accommodation was based on our military service-connected XXXX XXXX or XXXX XXXX issues, emotional distress Despite this request, Mr Cooper still refuses to accept monthly payments and instead insists that we must pay the full amount of the arrears immediately or face foreclosure, without offering any other reasonable alternatives or accommodations. 

When we got our XXXX statement we thought everything was all set ; we were all caught up and we were now allowed to pay a monthly amount. But it didn't last- they took that away. And we are back at owing {$33000.00} and we are out of money and we still have no garage. As a result of Mr Cooper 's failure to provide the reasonable accommodation, we have been further subjected to undue financial hardship and emotional distress and keep getting threatened that we are going to lose our home to foreclosure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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: Credit reporting or other personal consumer reports

There are accounts reporting on my credit report that is not mine.
Product: Debt collection

On XX/XX/XXXX, I was discharged in the United States Bankruptcy Court, XXXX District of Florida, Chapter XXXX. The debt on the condo I had financed through XXXX XXXX XXXX was also discharged. 

The condo was occupied by a squatter who lived there from XX/XX/XXXX to XX/XX/XXXX when the condo association filed suit against me for unpaid HOA fees as the bank did not foreclosure due to the many foreclosures in Florida at the time. In the meantime, XXXX XXXX XXXX had released their lien and the property was sold to the condo association via certificate of title for the amount due on HOA fees. 

XXXX XXXX XXXX, who apparently bought the loan from XXXX XXXX XXXX began sending mortgage statements and this showed up on my credit report as unpaid, so I wrote them a letter on XX/XX/XXXX and they removed this from my credit report. 

I then began receiving mortgage statements from XXXX XXXX and called them but they said they would need proof of my bankruptcy, which I faxed to them, but the mortgage statements continued to be mailed. 

Then, XXXX XXXX, a division of XXXX XXXX XXXX XXXX filed a Complaint against me and the condo association in XX/XX/XXXX, along with a Notice of Lis Pendens seeking to foreclose the mortgage. I filed an answer to the complaint stating that this property was discharged in bankruptcy. The case is ongoing in the XXXX Judicial Circuit Court of XXXX County, Florida, and I do not know what to do from here. I am still receiving mortgage statements for the balance due on a monthly basis. 

Just recently when I pulled into my driveway after work, a server stopped me in front of my home and asked if I would consider a deed in lieu of foreclosure on the property to XXXX XXXX and I told her that I do not own that property, that it was released in bankruptcy in XX/XX/XXXX, and the condo association is now the owner of the property. She asked if she could take a picture of me to prove she had spoken with me and I refused. She did take a picture of the home I currently own after I walked in the door.
Product: Credit card or prepaid card

I filed XXXX XXXX bankruptcy XX/XX/XXXX which included Avant as an unsecured creditor. The bankruptcy was discharged in XXXX of XXXX. Avant continues toncintact me by phone and email demanding payment of {$310.00} in violation of my rights under bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XX/XX/XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Mortgage

So after almost 10 years may husband and I have been treated unfairly by Wells Fargo Home Mortgage. Our home is up for auction on XX/XX/XXXX. We contacted XXXX in the early part of XX/XX/XXXX maybe around XXXX to refinance uuand it was taking a long time to get it together. There was a lot of restructuring going on at XXXX. There were different loan officers getting involved with our application. We even had one of the officers who was released from the office try to take our application with him to his next employer. He was still working on our application but didnt bother to tell us that he was no longer employed there. So I wasnt sure who I was talking to. Nonetheless, the XXXX called me with a final offer which was nothing I had discussed but decided on anyway. The Note then was transferred to Wells Fargo Home Mortgage for servicing. In the unfortunate event I required XXXX in the early part of XX/XX/XXXX. I contacted Wells Fargo informing them of our hardship. We filed for medical hardship and requested a modification. We were given new terms and they were to begin XX/XX/XXXX. However on XX/XX/XXXX we received a letter from Wells Fargo renigging the modification. I didnt understand up until now the reason they have denied us a modification and its all due to a business tax lien. Now I am no underwriter or banker but the tax lien was filed XX/XX/XXXX. Shouldnt that have been taken care of during the refinance with XXXX. Wells Fargo didnt approve any of our yearly applications for a modification and always said the account was closed due to the homeowners being uncooperative. In addition, we never received any correspondence of denial with the reasons for the We submitted an application every year per their instructions. It wasnt until XX/XX/XXXX when the lien expired did anything happen. We again filled out an application this time we received terms and then we asked for a detailed breakdown of the arrears and they said NO. Why were we not entitled to this information. So this was the last opportunity we were given because as of XX/XX/XXXX we were informed we no longer had the option of modifying the loan. We were given only two options and neither alloowencevgus to stay in our home which we have been in for 28 years. At first I was told the investor changed their guidelines and now I am finding out the decision was made by someone in Wells Fargo. When people hear that we are behind this many years, I have to enlighten them and say that Wells lFargo never made any moves throughout the years. We couldnt make any payments until they activated the account so what were we to do. And now they want to foreqclose on us and we dont see how thats fair.
Product: Credit reporting or other personal consumer reports

Somebody used my identity info and attempted to open a MACYS/CBNA credit card. I was alerted and contacted XXXX and Macy 's to remedy and get the inquiry reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, Equifax is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.
Product: Credit reporting

I disputed this and it has come back verified. I sent them everything letters, FTC affidavit they wont remove it. they wont re investigate properly.
Product: Mortgage

Our homeowners insurance carrier is cancelling our insurance coverage as a result of PennyMacs erroneous vacant/abandoned property status reported to our insurance carrier. The residence was being rebuilt after the XXXX XXXX, however, all building stopped in XXXX  when PennyMac refused to release additional insurance funds held in their restricted escrow. The loss of the XXXX homeowners coverage will have catastrophic financial and XXXX XXXX for us as senior citizens.
Product: Credit card or prepaid card

XX/XX/27 - contacted Chase to let them know a fraudulent purchase was made to XXXX XXXX for 6 tickets in the amount of {$1600.00} and they told me that it was taken care of and would not show on my next bill. 

XXXX statements were fine but when XXXX statements came the charges showed and I called to ask why its appearing on my statements. 

XXXX - contacted Chase to report the fraudulent claim again. 

XXXX sent a virtual letter letting me know that they reviewed my fraud claim again and that I am responsible for the amount!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items listed below : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX