23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am having a 15 years fixed home mortgage with Chase. The monthly mortgage amount {$2100.00} automatically deduct from my checking account from day one. I used to pay property tax and home insurance separately. For XXXX second half, the town property tax payment was posted one week late due to error in the online payment system. Chase also sent the tax amount {$2300.00} to the town this time. The town called me about the double payment and I asked them to return the Chase payment. They asked me to fax a letter for that and I did. Town refunded Chase payment. I called Chase and instructed them not to make any future property tax payment and sent a fax in writing along with the same fax sent to the town instructing them to refund Chase tax payment. 


But, Chase change the mortgage amount and deduct {$4200.00} on XXXX XXXX instead of {$2100.00} from my checking account. I called Chase and send the proof of property tax payment receipt and instruct them to refund the extra money into the account. Chase did not do anything. In the following month also Chase try to deduct the new amount, {$4200.00} and mortgage did n't go through due to insufficient fund. I faxed the property tax payment receipt 5 times to Chase. But, they did n't correct the error. I wired two months mortgage amount, {$4100.00}, to Chase mortgage to avoid late payment. By the time, XXXX of the property tax ( Scholl tax ) paid using credit card on XXXX XXXX ( Paid XXXX Second Half School Tax : {$4700.00} and Town Tax : {$2200.00} and Service fee {$160.00}. Total charge on credit card : {$7100.00} ) got returned on XXXX XXXX to the credit card due to double payment. I called Chase Mortgage and asked them to correct the mortgage automatic payment but always got the same replay as 'Escrow department reviewing the case '. Chase reported the late payment to my credit and send my property for foreclosure. I received letters from Chase Attorney about the foreclosure of my house. Finally they respond to my request and send me a mortgage reinstate statement and I wired the total amount due to Chase mortgage. Now, I have lost my credit, I have a huge emotional distress and lost lots of money through credit card interest, service fee, late fee etc. 

I want Chase to take the responsibility and pay for my damages.
Product: Money transfer, virtual currency, or money service

Google wallet closed my account & will mot release my remaining balance back to me per their guidelines & terms! They did not disclose of why they closed my account & told me that they will not be giving me my remaining balance of XXXX! I am now further contacting you to file a complaint for further action to be discussed upon the return of my funds.
Product: Mortgage

Fraudulent XXXX XXXX XXXX XXXX with Lasting Consequences. A Fraudulent Sale, with No Inspections, therefore No Occupancy Certificate could be issued. The inspection document is blank. Three major water intrusions in the home from point of sale to the last intrusion which resulted in forclosure because I could never really live in the home. All information was hidden to the reasons for the flooding into the home which only occured during heavy rains. Major mold condiitons condiitons exsisted and you could see and smell the problem. California has been under drought conditions currently and in the past years that allowed them to get away with it. I knew that they where a group of the most dishonest individuals I have ever been involved with but could not prove it until many years later in 2018. My XXXX XXXX XXXX walked away from 8-9 claims that I filed and they ended up suing the builder themselves so they withheld information that would had been helpful to me navigating the condiitions I was involved in. Wells Fargo who was the lender on site that you had to get pre-approved with which was condition of the sale of the home with this builder at the time. Wells Fargo closed there division later doing homes with builders. XXXX XXXX  was the builder that had lots of problems with this subdivision and others. XXXX XXXX to search the many cases. They built in other counties also so that search would change. 
I filed complaints with XXXX XXXX XXXX XXXX, Department XXXX XXXX XXXX, and hired an attorney who was useless. The XXXX XXXX Attorney was involved originally which I did not know at the time. I have a full Chronology that I would like to submit & upload. I have other documents that the system does not allow me to upload as they are sitting in email ( outlook XXXX let me know how to send by email. Please let me know if you can help! 
**XXXX  is currently involved with a case playing out in a court of law in XXXX that is surrounds fraud.
Product: Credit reporting or other personal consumer reports

The underlying company Mariner Finance currently appears on my XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX has forwarded theft documents receive from me to Mariner Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Mariner Finance. As Mariner Finance have violated federal law, by not providing the credit bureau XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction withWells Fargo on XX/XX/2015. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving, further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, Affiant is aware and has proof in attachment labelled as Exhibit A & B that Wells Fargo is in violation of 15 usc 1692 ( b ) ( 2 ) They are now civilly and criminally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX reported an account on my credit which I never initiated. I contacted them directly and it appeared to be a scam as they were asking for personal details which they would have if in fact such account exsisted. I asked them to submit proof of what I signed or requested, they said they would provide it but never do and now they don't even take my call. 

I contacted the credit bureaus and asked them to investigate and remove this fraudulent item ... XXXX did investigate and remove the item, however Transunion refuses to investigate. I have called them 8 times to ask them to please investigate and they do not. This is item is fraudulent and should no be showing negatively on credit. 

please help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXX  and all payments were placed on Autopay. 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 XX/XX/XXXX to XX/XX/XXXX 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 XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting

Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Student loan

The loan was disbursed on XX/XX/XXXX. I attended XXXX-XXXX in XXXX XXXX Missouri for a half of a semester. I dropped the classes when I realized that XXXX dollars for a four year degree from an unaccredited school was a rip off. XXXX-XXXX told me they were nationally accredited and credits should transfer anywhere. I later found out that a school had to be regionally accredited. I made payments of XXXX or XXXX $ for around a year. After my daughter had been born on XX/XX/XXXX I continued to make the XXXX $ payments for awhile. When I called to ask Navient ( Sallie Mae at that time ) if I could lower my payments the lady on the phone said that I could only place the loan into forbearance and the XXXX $ was the absolute minimum. I believe this was in XX/XX/XXXX. I know in either XX/XX/XXXX or XX/XX/XXXX I called to ask once again if I could have my payment lowered and once again I was told I could only have the loan placed into forbearance because XXXX $ was the absolute minimum payment they would accept. I was only making about XXXX $ a month working one weekend a month as a XXXX at that time.
Product: Credit reporting or other personal consumer reports

I was part of XXXX XXXX XXXX Breach Settlement, and I am filling this FTC Identity Theft Affidavit to report separate accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened XX/XX/XXXX at XXXX  XXXX, a number of personal loans open from XXXX open XXXX, XXXXXXXX XXXX XXXX opened XX/XX/XXXX, and the collection XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in fraudulent accounts and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

I have attached a list of the fraudulent accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, and collections appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts or collections are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I've sent my id and social security card and bill to show proof of address, and nothing gets fixed. The accounts are reporting falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company did not follow the FCRA requirement on disputing debt against my credit.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX reports donot match the XXXX Report.
Product: Mortgage

We closed a month ago and now they want to start the process all over again. Also escrow will have to send the money back to new lender. Our daughter died last XXXX XXXX, 2015 and we have tried to get the home sold since then. what can you do to help us please call us at XXXX as soon as possible
Product: Debt collection

To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX
Product: Mortgage

Called Ditech about putting {$50000.00} towards my principal. Was told I could do it over the phone but would have to do XXXX electronic transfers of {$10000.00} dollars each. I agreed and make it very clear that the money was to go toward principal and that the money was to be taken from my savings account. The transfers were made and the next day I received an email from my credit union showing that I owed {$140.00} in NSF fees. The first transaction of {$10000.00} was taken from my saving account went through without any problems. But the next XXXX transaction of {$10000.00} did not go through because Ditech made a mistake and tried to take it out of my checking account. 
Ditech has admitted the error and they keep apologizing and say they are going to reimburse me, but the money never comes. Instead Ditech sends me a nasty letter saying they are charging me {$100.00} because the transactions did not go through. Ditech admits their mistake and then charges me {$100.00}. I am out {$240.00} for Ditech 's mistake. 
I have talked with 12 different people at Ditech including 3 supervisors and still do n't have my money. Ditech uses the old term " THE CHECK IS IN THE MAIL ''. I have gotten 14 pieces of mail from Ditech but no check. 

After telling me " THE CHECK IS IN THE MAIL '' I received a notice that {$140.00} was deposited into my savings account. It was another lie, the money is not in my savings account and when I call them they have no answers. 
Mortgage companies need to me held accountable and should not be allowed to operate like this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting to my Experian. This is not reporting to my other credit reporting agency 's and needs to be removed immediately as it is inaccurate information. As a consumer I have a right by law to a fair and accurate credit report.
Product: Vehicle loan or lease

Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this month XXXX XXXX advised me that a credit card had been issued ( in the form of appreciation ) in my name, which I had not receive or had applied for. I immediately notified XXXX and was advised that an investigating would be started and that they would notified the three credit bureaus. I notified each of the credit bureaus and ask that a lock or freeze be placed on my credit file. I was notified by each that this had been accomplished. In XX/XX/XXXX of this year I had a {$19.00} plus credit card charge for Experian prime service that I had not requested. I paid the {$19.00} but called Experian and requested that this service be cancel. In XX/XX/XXXX of this year I was notified by Experian that the block on my credit file had been remove, my credit score was decreased and my credit rating had been decreased. Experian advised me that this was done because I had cancel my primary service. Since I had experience an Id fraud I certainly do not think this was appropriate. I do not feel that I should have to pay $ XXXX for primary membership to have my credit file block or feezed. I certainly do not feel that my credit score and credit rating should be decreased because I canceled my prime membership.
Product: Debt collection

I have written to Portfolio Recover on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
Product: Credit reporting 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 confidentially under 15 USC 1681. 

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 XXXXXXXX ; personal addresses incorrect. 

I looked at my EQUIFAX credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Experience is reporting that I have a foreclosure on my credit report which I never had
Product: Credit reporting or other personal consumer reports

Transition has yet to remove all addresses, phone numbers, in addition they have my score reporting differently everywhere. 

Most credit sites say my score is XXXX transition. XXXX says my transunion score is XXXX. Thats a huge difference In addition transunion has decided to keep accounts Ive repeatedly disputed because of identity fraud. Saying the account is remaining yet showing NOTHING verifying the debt!! 

I am getting frustrated! 

Transunion is violation the FCRA 15 USC 1681e ( b ) & 1681s-2! Accuracy of reporting! 

Transunion also is reporting derogatory accounts without my permission AND due to my disputes, NOTHING I DISPUTED SHOULD BE REPORTING UNTIL ITS VERIFIED yet everything unverified is reporting! Stop this immediately! 

I demand {$2000.00} for these repeated violations or I will sue for several FCRA violations made by Transunion