23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.
Product: Debt collection

I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.
Product: Debt collection

Goldman , Lauder & Cross | Reviews | XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXX & XXXX. This business is not XXXX XXXX. 

I paid Goldman , Lauder , & Cross in XXXX for a XXXX XXXX XXXX credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( XXXX XXXX XXXX XXXX ). I contacted Goldman Lauder and Cross at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last XXXX digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then XXXX. In order for us to send out that letter, you have to get a XXXX XXXX XXXX. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXX  and am now paying them again to avoid civil litigationXXXX XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to XXXX XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to Goldman , Lauder , & Cross in XXXX. Goldman never sent a paid letter or email, but I do not still owe this XXXX debt and am now paying a second time. 

I wanted to see what would happen when I called back Goldman , Lauder & Cross. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a XXXX credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX, XXXX, A XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} Bankruptcy XXXX XXXXXXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXXXXXX XXXX XXXX bankruptcy Reference # : 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
Product: Debt collection

Company listed debt as new debt from XX/XX/XXXX when it was from XX/XX/XXXX. Company never sent me a notice to disputes debt before listing it on my credit report and I do dispute the debt I had to see this on my credit report to be able to call them to ask them what this was and that I wanted to dispute the debt. Also this de t has been removed and the company reinserted a deleted debt into my credit file. The company is using illegal tactics
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute with Chase Bank To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with Chase Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with Chase is XXXX XXXX XXXX XXXX. I have been a loyal customer of Chase Bank for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by Chase Bank regarding an outstanding debt on my account. A Chase representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from Chase Bank is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by Chase Bank, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that Chase Bank correct this injustice immediately. I demand that Chase Bank takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect Chase Bank to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with Chase Bank, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to Chase Bank from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Charge-Off XXXX XXXX  ( Account # XXXX ) I am filing this complaint regarding an inaccurate charge-off entry on my credit report from XXXX XXXX  ( Account XXXX XXXX ), which shows a balance of {$2500.00} and is incorrectly reported as " charged off '' as of XX/XX/year>. 

Key Points : Violation of FCRA : Under FCRA 15 U.S.C. 1681s-2 ( a ), creditors must report accurate information. If this charge-off is inaccurate or unverifiable, it must be deleted. 

I demand that XXXX XXXX provide documentation proving the accuracy of this charge-off. 

As per FCRA 15 U.S.C. 1681i, if Experian can not substantiate the information, it must be deleted. 

CARES Act Compliance : Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors are required to report accounts as current during periods of financial hardship if requested. I demand verification that XXXX Bank complied with this law and reported my account correctly during the pandemic. 

Legal Precedents : In XXXXXXXX XXXX XXXX, the court ruled that unverifiable information must be deleted. 
XXXX v. XXXX supports that improper debt validation requires removal. 

Actions Requested : Immediate removal of the charge-off entry from my credit report. 

If the entry is not removed, I demand that Experian provide documentation proving that XXXX XXXX has validated the charge-off in accordance with the FCRA and CARES Act. 

If this issue is not resolved within 15 days, I will take further legal action under FCRA 1681n & 1681o, as well as file complaints with the FTC and the Florida Attorney General.

I request that this matter be investigated promptly and that I be notified of the outcome. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 Balance : {$570.00} XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Checking or savings account

Money has been stolen from all XXXX of my accounts! I have made a police report and I had to close mu accounts and reopened new once. I had almost XXXX $ stolen from me. Using checks. I need help. Even after opening new accounts today I had another XXXX $ stolen from my account. The bank isnt doing its job. They made me go get a police report and when XXXX XXXX it to them they made a mistake so I lost a week and had to let them know that they didnt send it he police report since I got a letter about it. So I went back and they submitted it again and once again I got a letter saying that they have not received the police report. These people keep taking my money every day. I have copies of all the forms they have filled out and none of them have my signature. I dont know what to do anymore. Can I sue the bank? Its is chase bank.
Product: Vehicle loan or lease

I have been trying to call and pay Ally Financial, they are giving me an hard time. 
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do. 
I'm trying to make settlement or lower payments
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from Green Point Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX XXXX XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX XXXX XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I hereby provide a comprehensive overview of the inaccuracies that require immediate resolution : Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$320000.00} Issue : This account is not associated with me. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Issue : The balance stated is imprecise, and the past due section is inaccurate due to a closed and charged-off status. I intend to discuss the discrepancies with the creditor. Until rectifications are made, I request that this account be marked as disputed. 
Account Information : Creditor : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$32000.00} Issue : This account is not mine. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The creditor is inaccurately reported, and the balance stated is higher than what I remember. I dispute the entire account due to these inaccuracies. Please verify the Date Opened and Date of First Delinquency. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not associated with me. I request that XXXX  remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate 30 day late payments being reported on my credit report on an account that has been closed for over a year. I have tried to get the creditor and the credit bureau to fix this, but neither of them will fix it. This is causing my credit scores to go down drastically and it's not right. I sent Transunion a letter disputing this on XX/XX/XXXX and they have yet to correct, delete or respond. They violated the FCRA by failing to conduct a proper investigation and knowingly reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX XXXX is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.
Product: Mortgage

Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.
Product: Debt collection

I received a notification that I had a debt with XXXX. I told the caller that it was not me and that I have a different phone provider. I then receive a mark on my credit report a year later and the company they gave it to does not have any information to provide me. It is not my debt and needs to be removed.
Product: Checking or savings account

On XX/XX/year> I was shopping around for a motor for a XXXX XXXX. I ran across an ad about motors on XXXX XXXX so I called them too see if they had the type of motor I was looking for. Once I talked to the " customer service agent '' everything seemed fine. After I paid for the initial transaction for the motor, it was pretty odd for them to tell me that I had to pay another fee to get it shipped to my address instead of paying for everything at the same time. I never received an email confirmation from them stating that I paid motor or shipping. I reached out to Chime about the situation and apparently they did a 24 hour investigation and told me that they didn't see any fraudulent activities on my account and closed it instantly. I just lost out on {$1900.00} and I couldn't get any help from an institution that supposedly keeps my money safe.
Product: Bank account or service

I signed up for a citibank gold checking account in XXXX of 2015. The promotion read sign up and make XXXX bill payments and get XXXX thankyou points after completing this offer. I completed the XXXX bill payments and was recently notified that my account was ineligible for the reward as it was only for targeted customers. At no point during the signup process was I made aware of this. The link was directly on citi checking account page when I signed up-it has long been deleted since.
Product: Debt collection

I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors.