23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Under the terms of my mortgage I was offered a recast which lowered my monthly payment substantially approximately {$200.00}. I filled out the paperwork that clearly detailed what the monthly payment would go to principal and interest etc. I signed the document and agree to the terms which were clearly outlined after about two months ago a letter stating that my request was approved and instead of going from a monthly payment of XXXX to XXXX They came up with some other arbitrary number of XXXX. No work close to what I agreed to. I have made over 20 phone calls at the date this problem is not resolved. I have paperwork and letters showing the agreed-upon amount. They will not let me speak to anybody directly in the servicing department they are only responding via email. I question that my escrow is even correct or any payment has been corrected so I cant seem to even service the simple transaction properly
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on XXXX, Transunion, and XXXX how can XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months
Product: Credit card or prepaid card

American Express Credit card issue, details are below : Transaction date : XX/XX/XXXX Amount charged shows up on credit card = XXXX + late fees Business committed : There won't be any charge if you cancel or replace your card with other credit card Nature of dispute : Its been 8 months and customer support is saying, they are looking into the issue.It has badly affected my credit score Business has been mentioning me that they are working on it but never able to resolve it. I kept calling every 15/20 days but getting same answer always. I also has been mentioned you will get an email once it is resolved but nothing yet. Statement Credit Reveral Transaction number : XXXX
Product: Debt collection

i have requested information on this debt bearing my signature and have not received anything stating that I owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 U.S.C 1681 section 602 A. States my right to privacy.

15 U.S.C 1681 section 604 A. section 2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692c section A. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
Product: Money transfer, virtual currency, or money service

hi, I have made a wire transfer from chase bank on XX/XX/XXXX, which as per chase scheduled to be delivered on XX/XX/XXXX. However it never went through on XX/XX/XXXX. So I called chase customer care XXXX multiple time and was on call for more then 8-10 hours. But everyone was transferring me from one dept to another department. They direct me to Fraud department, wire research etc and everyone was telling me different reason for holding the wire. Incorrect information, In -internal review, in foreign exchange review etc. 
And I see email requesting for more information on XX/XX/XXXX asking XXXX address and name. I provided that in secure email of internet-banking site on XX/XX/XXXX. But again today they keep asking same piece of information. But no one called me. it all happened between XX/XX/XXXX till XX/XX/XXXX. 
In mean time they also say contact to branch it is faster way of escalation. So I contacted branch on XX/XX/XXXX. Branch manger XXXX was very hostile on helping me out. He think, I don't have any relationship with branch. He should not be pulled in between. After asking him multiple times for resolution. He suggested to cancel the wire. After cancelling chase refused to refund me the wire fee also, which they never did. 

Moreover the behavior and mental torchers, I have been in these day also the financial impact, I have faced due to this transfer they are refusing to compensate me on top of it the are charging the wire fees they never did for me.. I feel like this is an fraud activity and lack of responsibility and accountability from bank. 

I want to report to correct the behavior of bank and return my wire fees of {$25.00} and compensate me on the lack of due diligence on bank side. 

Below is wire details XX/XX/XXXX Submitted XXXX XXXX XXXX XXXX Wire to XXXX XXXX XXXX ( ... XXXX ) Wire from XXXX XXXX ( ... XXXX ) Amount {$3400.00} USD ( U.S. Dollar ) Wire fee {$25.00} USD ( U.S. Dollar ) Total {$3400.00} USD ( U.S. Dollar ) Wire date XX/XX/XXXX Status Submitted Status date XX/XX/XXXX Reference number Not applicable Transaction number XXXX Message to recipient XXXX XXXX XXXX XXXX XXXX NC XXXX Message to recipient bank XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was instructed to contact Experian Credit Bureau by my mortgage lender and either update the fraud alert with my cell phone number XXXX or in the alternative have the fraud alert removed before we can close on my VA Mortgage. I have contacted Experian by Phone several times and they allege they cant validate my identity over the phone. I have uploaded a copy of my Drivers License, Social Security Card, Written request form, and a current utility billing statement to their website and also followed that up by mail. To date I have not been provided the relief requested and the Credit Report still has a fraud alert without my cell phone number attached. I want the alert updated to include my cell phone number or in the alternative removed in its entirety.
Product: Debt collection

Hi since the ending of last year Ive been trying to pay off my debt to get me and my kids a home my comenity capital childrens place account was paid in full since the beginning of this year but has yet to be taken off my report Ive disputed this account numerous times and it says its been updated but it hasnt the company was sold since my account was opened the original company says once they sale it its not their problem and the company that has it now says theyve sent a letter to delete this but the original owners would need to help me with this at this point the bill is paid and Id just like it removed. Thank you
Product: Mortgage

I sent a request for information to Rushmore Loan Management Services on XXXX XXXX to provide my loan information within 14  days. They did not provide my requested information for more than 30  days since my request. My loan account number is XXXX with the address XXXX XXXX XXXX , XXXXXXXX XXXX  XXXX .
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account XXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with Experian as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.
Product: Debt collection

Opened an American Express account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. Am Ex is still reporting our account delinquent and the judgment has not been resolved.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Checking or savings account

Access to my funds in a Merrill Lynch brokerage account were blocked for approximately two weeks. I tried to access my account balances on or around XX/XX/2022 only to find that the account was blocked. I had received no notice that my access to my funds would be blocked. After a XXXX minute wait time on hold, I spoke with a customer service agent at Merrill and he told me the account was blocked because Merrill needed to update the contact information for the secondary account owner ( my wife ). I thought it was absurd that they blocked my access to my money because they had an administrative task to complete, also this information is current on other Bank XXXX XXXX accounts that I hold. I provided the information, and the agent stated that the block to the funds would be removed. One week later, XX/XX/2022 the account was still blocked. I made several attempts to contact Merrill customer service again, and after a 45 minute hold I finally spoke with another customer service agent, who said all of the information was current and he could not see a reason for the block on the account. He escalated the issue and finally was able to get the block removed on XX/XX/2022. I have had this brokerage account for about 30 years, and this is the first time I have ever lost access to my funds. I don't think Merrill should have " frozen '' the access to the funds in my account due to an administrative deficiency. I would like the CFPB to look into this practice by Merrill Lynch and have them discontinue this practice.
Product: Debt collection

A dispute was sent to the creditor. TRANSWORLD SYSTEMS ( XXXX XXXX ) Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX XXXX XXXX
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. XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card

Chase Bank is in violation of the Consumer Financial Protection Bureau 's Consent Order XXXX. As required in paragraph XXXX & XXXX of this order, Chase Bank should have provided me with an effective credit agreement and at minimum copies of the last XXXX ( XXXX ) monthly Account statements. I have never received an effective credit agreement nor the last XXXX monthly Account statements. 
On or about XX/XX/2015, at approximately XXXX XXXX CST, I contacted Chase Bank via telephone in order to request information in regards to these accounts. I spoke with XXXX XXXX with ID # XXXX and requested that information regarding these alleged accounts be sent to me. XXXX XXXX stated that Chase Bank did not have information regarding these alleged accounts. This is a violation of this Consent Order because paragraph XXXX requires that Chase Bank provide a consumer with an effective credit agreement and the last 18 months of monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.