23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$33000.00} to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our XXXX mortgage and chose to let the offer that ended in XXXX lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words " we may be able to release any Chase-held liens. '' In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$28000.00} to settle in full our XXXX mortgage on our home. We were still in mediation with Chase on our first mortgage and chose to let the offer that ended in XXXX lapse. During our second mediation hearing in XX/XX/XXXX, after XXXX years of trying to get a modification, Chase told us that our pooling and servicing agreement did not allow for any modifications. The same day that we learned that we would not be eligible for a modification on our first loan with Chase, we contacted Chase to try and settle our second mortgage so we could try and get a new loan on our first and retain our house. After the usual no-call backs as promised, Chase offered to settle our second loan for the new amount of {$55000.00}. I asked that the offer be e-mailed to me and I never received an e-mail. On XXXX XXXX I received a phone call from Chase. I was told that the offer for {$55000.00} was good until XXXX XXXX and any subsequent offer would be for more money. 
We are trying to retain our house. Chase is pushing us down a foreclosure path that is both unethical and disturbing. Why does the settlement offer nearly double when I contact Chase to try and settle? My house has not gone up in value that much between XXXX and XXXX of this year.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX & XXXX. Please see the items to be REMOVED below that resulted from an alleged identity theft : EXPERIAN : 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 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 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 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: Mortgage

I am emailing to report a serious problem with XXXX servicing a licensed mortgage company within the state of AZ. XXXX XXXX XXXX XXXX  License XXXX XXXX XXXX XXXX License XXXX On XX/XX/year> a payoff was requested via email per the customer service agents instructions. She stated it should take 3-5 business days. I waited the allotted time and called in at the end of day 5 having not received the payoff, that was this past Monday XX/XX/XXXX. They could not explain why I had not received it and the agent said she spoke with her XXXX to expedite the request and that we should receive it no later than Wednesday XX/XX/XXXX. We again did not receive the payoff so I again called on Thursday XX/XX/XXXX to find out what happened and the agent could not locate the request. I let her know that per Federal law they are required to provide the payoff document within 7 days of the borrower 's request. The agent then said she would handle it right away and had me create an account and sign into the portal on the company website. She stated that she had submitted for the payoff document and should have it within 30 minutes and I would receive an alert to login and it would be in my portal, she said she would follow up that afternoon. Well here we are nearly 2 weeks later and I have no alert, no payoff and never received the payoff.

The loans are as follows : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, I XXXX XXXX authorize you to send a payoff quote for the above mentioned accounts for payoff through XXXX. 
Borrower : XXXX XXXX XXXX XXXX XXXX XXXX AZ # XXXX XXXX XXXX XXXX AZ # XXXX I would like to formally lodge a complaint against the licensee and have these issues investigated. 

XXXX XXXX XXXX Accelerated RE | Management & Investments XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX NV. XXXX XXXX cell
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 ( a ) states : Congress has established that the accuracy and fairness of credit reporting are essential to the functioning of the banking system, as detailed in this section. Inaccurate or unfair reporting methods directly impair the efficiency of the banking system and undermine public confidence. The presence of inaccurate or unverifiable information on my credit report contradicts these principles and needs to be addressed immediately.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : This section stipulates that a consumer reporting agency may furnish a consumer report only under specific circumstances, including with the written consent of the consumer. I have never provided such written consent for the accounts in question.

15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies the conditions under which certain adverse information may not be included in a consumer report. The presence of unauthorized accounts on my report violates these conditions and is causing unjust harm to my credit standing 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section mandates that furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. The inclusion of these unauthorized items suggests non-compliance with this obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a lone and went to the XXXX XXXX XXXX site which is located in XXXX Alabama. I started filling the application but never finished it and never submitted a completed nor uncompleted application. I closed the browser out and never went back to the site. A day later I receive a alert that my credit had been ran and I had a new Hard inquiry on my credit. I never authorized anyone to do this at this XXXX XXXX I did speak to a gentleman that stated he was working from home and that he would get this fixed right away. Its been over 2 weeks and it still showing on my credit. I would like help getting this resolved.
Product: Debt collection

Received phone calls and written XXXX dont know nothing about this the phone number they called fro XXXX they called my home phone XXXX they was claiming to be a law office and they was suing me for something I dont remember or know about my home phone number is on do not call list this call cause me to be abuse by XXXX XXXX  and the letter did too the letter is from Quest legal group saying they getting civil against if I dont pay XXXX by XX/XX/XXXX th I dont know this they say it was when I work at XXXX XXXX that has been 13 years ago since I work there they say I am garnish my bank account and subpoena XXXX XXXX XXXX XXXX they say my XXXX XXXX is XXXX which isnt true and they say they reporting to credit bureau can youall please help me this company is from California and phone number XXXX XXXX I dont know these people thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

this is a complaint I filed on XX/XX/XXXX again capital one credit company claiming that the company supplied with avoidance, which the did not supply them with an IP address and a bunch of stories, the fact of the matter is I called capital one and they suppose to open the case again and they did not I send them all the correspond for the matter include a complained and a letter and have all transition with XXXX XXXX and the mistake and error they did include a lie that they gave me, A copy of the original complaint is attached OUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Capital One Customer Service [ Address ] [ City, XXXX, Zip Code ] To Whom It May Concern : I am writing to dispute a charge of {$7000.00} that was made on my Capital One credit card on [ date ]. The charge was made to a company called " XXXX XXXX ''. I was contacted by a XXXX XXXX representative who told me they could help me get a loan of {$50000.00} to {$150000.00} with 0 % interest. They said they had connections and could help me invest my money and double it within XXXX year. They told me that the cost of their services was {$7000.00}, but that I could pay it in XXXX lump sum or in installments. I agreed to pay the {$7000.00} and gave them my credit card information. They charged my card and then sent me instructions on how to download the XXXX app. They said that they would use the app to communicate with me and help me with my investments. A few days later, XXXX XXXX opened an LLC for me and sent me an IRS EIN. However, they never gave me access to my files or any of the connections that they had promised me. I tried to contact them several times, but they never responded.After a month, I realized that I had been scammed. I filed a complaint with the authorities, but I have not been able to get my money back. I am now disputing the charge with Capital One. I believe that this charge was fraudulent and that I should not be held responsible for it. I have attached a copy of my credit card statement showing the charge, as well as a copy of the complaint that I filed with the authorities. I would appreciate it if you would investigate this matter and reverse the charge. I was originally told that the cost of their services was {$8000.00}, but that I could pay it in installments. However, they charged my card for {$4000.00} and told me I could pay the remaining {$4000.00} in XXXX lump sum. When I complained, they said that they would take {$7000.00} instead of {$8000.00}. I believe that this is a bait-and-switch tactic and that I should not be held responsible for the charge. I believe that XXXX XXXX is a scam. They have no physical address or phone number, and they have refused to provide me with any documentation of their services. I have also found several complaints about XXXX XXXX online, from other people who have been scammed hank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX Transunion, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 60 days 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 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO is unlawfully reporting my credit card utilization information to all three consumer reporting agencies ( XXXX, XXXX, & XXXX ). 

According to Title 15 of the United States Code, section 1681a, under EXCLUSIONS the law states- the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The utilization of my credit cards being reported by WELLS FARGO to the consumer reporting agencies is classified as an EXPERIENCE between I ( the consumer ) and the person making the report ( WELLS FARGO ). CONSUMER REPORTS DO NOT INCLUDE EXPERIENCES ( CREDIT UTILIZATION )! MY ACCOUNTS ARE TO ONLY REPORT AS CURRENT. 

Pursuant to Title 15 U.S. Code, section 1681s ( b ) ( h ), and pursuant to subtitle E of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5561 et seq. ], WELLS FARGO is subject to have this title and compliance with the requirements imposed under this subchapter enforced by the Consumer Financial Protection Bureau, notwithstanding the enforcement authorities granted to other agencies under this section. 

Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance- Failure to REMOVE utilization information for both credit card accounts on ALL THREE consumer reporting agency reports by WELLS FARGO results in WELLS FARGO being liable to pay me a sum of {$1000.00} PER VIOLATION. That is a total of {$2000.00} payable to me. 

On XX/XX/XXXX I drafted and submitted my letter stating all of the above to WELLS FARGO and submitted it via certified mail. 

On XX/XX/XXXX my letter was delivered to WELLS FARGO at XXXX XXXX 

On XX/XX/XXXX I was contacted via telephone by a WELLS FARGO representative from their executive office, stating she is working on my case and does not understand what the problem is because she thinks " everything is reporting correctly '', which is INCORRECT. The provisions, requirements, and penalties stated are very clear, and I asked her to only communicate with me and resolve this matter in writing, and if she does not understand what I very clearly and concisely stated in the letter, she can refer my letter to her legal team to have the matter resolved. 

I DEMAND THAT WELLS FARGO DELETE MY UTILIZATION INFORMATION FROM ALL THREE CONSUMER REPORTS AND ONLY REPORT MY ACCOUNTS AS CURRENT IN GOOD STANDING FROM THIS POINT FORWARD WITHIN 10 DAYS OF RECEIPT OF MY LETTER. THERE SHALL BE NO REPORTING OF CURRENT BALANCE/UTILIZATION INFORMATION TO ANY CONSUMER REPORTING AGENCY, AS THIS IS CLASSIFIED AS AN EXPERIENCE BETWEEN I THE CONSUMER, AND WELLS FARGO. WELLS FARGO HAS UNTIL XX/XX/XXXX TO COMPLY WITH MY DEMANDS. 

FAILURE TO COMPLY WILL RESULT IN WELLS FARGO ISSUING A {$2000.00} CHECK PAYABLE TO ME AS A RESULT OF VOILATING MY CONSUMER RIGHTS.
Product: Mortgage

We entered into a contract to purchase real estate on XX/XX/2020. We applied for a loan with US Bank on XX/XX/2020. We received our first set of early disclosures on XX/XX/2020. From the start of the application we have requested weekly updates. Starting in mid XXXX we were told we should be getting approval to move to closing soon. On XX/XX/XXXX we were told the application dropped out of the system and we needed to reapply. We submitted a new application on XX/XX/2020. We provided, as requested, the same supporting documents to the US Bank loan officer five times. We have continued requesting updates on the loan status and received assurances we should be ready to close soon. As of today, XX/XX/2020, we still have not been able to close on our real estate purchase.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Mortgage

We are attempting to get a " payoff '' amount on a current loan. It was promised 5 days ago, but we're still waiting.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXXXXXX is reporting a wrong loan balance they are reporting XXXX and last I check I owed only XXXX. In addition they are not reporting my payments instead they report it to credit as unavailable. They also say I only had account open XXXX years and not accurately reporting this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX  keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN UP WITHOUT MY KNOWLEDGE, I HAVE TRIED TO GET THIS RESOLVED WITH THE COLLECTION AGENGIES AND THE CREDIT BUREAUS ALL THEY CARE ABOUT IS MONEY AND NOT THE AFFECT WHAT SOMETHING LIKE THIS CAN DO TO SOMEON, I AM NOW FACING HOMELESSNESS DO TO ME NOT BEING ABLE FIND A HOME BECAUS OF THESE FRADULANT ACCOUNTS. DO YOU KNOW HOW MANY PEOPLE IDENTITY GET STOLEN AND WHAT IT CAN DO TO VICTIMS LIKE ME. I PAY MY BILLS ON TIME WHAT I WILL NOT DO IS PAY FOR SOMETHING THAT I DONT HAVE NO KNOWLEDGE ABOUT BECAUSE I AM A VICTIM OF IDENTITY THEST. I HAVE KNOW READ UP ON THE LAW ESPECIALLY THE FCRA THAT WAS REVISED IN XXXX OF XXXX.15 U.S. Code 1681n - Civil liability for willful noncompliance.FCRA .-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT NO PERMISIBLE PURPOSE HERE ARE THE ACCOUNTS THAT IM REQUESTING TO BE REMOVE OFF MY CREDIT DUE TO IDENTITY THEFT. 
XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX