23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for mortgage assistance in XX/XX/XXXX with Chase. I am now in the 9th month with no resolution. I have answered the same questions over and over. I have sent all requested paperwork in duplicate and triplicate. I have spoken with them weekly to resolve any issues. 

When I called to check on my loan status in XX/XX/XXXX, I was informed that I had already called in on XX/XX/XXXX to cancel all activity on my loan and that I was no longer interested in a loan modification. I did not talk with anyone at Chase at all on that date. Since all calls are recorded, I have requested to hear the recording of this call. My case was closed. After escalation of my complaint and transfer to another department, the account was supposedly reopened, however all documentation would need to be resent. So we effectively started from the beginning. 

Chase can not be this accidently inefficient. My application is clearly being treated in a delaying and fraudulent manner. Each time I call I speak with a different representative. I have been assigned at least 4 Relationship Managers ( Ive spoken with one ). I received 2 copies of my appraisal in XX/XX/XXXX one day apart, and another copy in XX/XX/XXXX. Letters are erratic, stating that information is complete and then it is not.

In summary, I have been shuffled around from department to department, talked to multiple people making duplicative requests, sent and resent income documentation multiple times, been driven into default due to inability to finalize refinance request, been told that my refinance request was closed, claiming I called and requested they do so, been denied recording evidence of my call that the refinance request be closed, been offered reinstatement of the refinance request ( in XX/XX/XXXX ) with a non-committal expectation to have a final response on approval within the next 30-45 days ( the same time frame provided at the time I opened my initial request 9 months ago ), been offered no further apology or admission of fault. 

I would not be in this position at all if I had not been advised by Chase back in XX/XX/XXXX that a home equity loan would be better for me than my requested conventional mortgage. ( It would then not be qualified for the automatic loan modifications that followed the XX/XX/XXXX recession. ) Recent Chase advice specified that if I did not qualify for modification under this current application, I would need to be at least 4 months in arrears before looking at other options. Since the loan process would be completed within a 45 day period ( per Chase ), I stopped making payments on the property to cover this possibility. Now 270 days later, my credit score has dropped and affected my relationships with other financial institutions. 

The treatment I have received from Chase has had a huge negative impact on my life. I need this situation resolved.
Product: Credit reporting or other personal consumer reports

I have asked CFPB to investigate EXPERIAN for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXXXXXX XXXX  reporting and EXPERIAN verifying inaccurate information. This has caused me to be denied due to inaccurate information because EXPERIAN refuses to do their job. EXPERIAN have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. ALSO IM A VICTIM OF IDENTITY THEFT # XXXX THIS WAS REPORTED IMMEDIATELY WHEN I FOUND IDENTITY STOLEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I did go through a loan modified XXXX XXXX reporting to credit bureaus. In XXXX of XXXX, Nationstar Mortgage started reporting my mortgage payment to credit bureaus. Mr. Cooper became part of Nationstar Mortgage in XXXX of XXXX. In XXXX of XXXX that was went the mortgage payment stop been reported. I was trying to refinance that went I found out my mortgage payment was not been reported. I have letter from Nationstar Mortgage and Mr.Cooper that I, successful completion y loan modification. 

In XXXX I did file for a Charter XXXX Bankruptcy, my house was not included have court documents. At the time of the bankruptcy XXXX, XXXX XXXX XXXX had my mortgage which is in the court documents. The bankruptcy has been removed from my credit report. It was discharged XXXX of XXXX. Talk to Mr. CoppeXXXX on XXXXhree occasions every person say they see that the bankruptcy was discharged. Can not give me a reason why its not been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  XXXX  and TransUnion. Please see attached supporting documents
Product: Debt collection

In XXXX of last year, I had a hit on my credit saying that I owe {$4400.00} for an eviction. I contact the apartments and ask for proof. What they sent me was my ledger of everything that was paid, and then they sent another ledger showing all the charges for XXXX. The ledger that I have ( XXXX XXXX ) shows a security deposit credit in XX/XX/XXXX. I moved out of the apartment end of XX/XX/XXXX. The ledger shows that there was no rent due in XX/XX/XXXX, but rent due and an eviction for XX/XX/XXXX. From my understanding, there was no rent charged or due for XX/XX/XXXX, but I had rent due XX/XX/XXXX. I went to the XXXX XXXX courthouse and there was no eviction filed. I want the Apartment Complex to admit they made a mistake by saying I owe money when I moved out in XX/XX/XXXX, no apartment complex is going to let you live free for a whole month, and then charge you rent in XXXX with an eviction. I want this debt taken off my credit. I tried to explain this to the collection agency, but they will not look into it. So, I have no choice but to file a complaint. 
The XXXX XXXX XXXX is XXXX, and the Apartment complex is THE XXXX ON XXXX XXXX.
Product: Checking or savings account

log into my account noticed money running low started looking at transactions noticed that XXXX was taking money out of my account, called the Bank of America told them I don't know of XXXX and never heard of them. I thought at first there was only a couple of transactions, Bank of America customer support told me there were more transactions made to XXXX, he told me first transaction happened XXXX XXXX, 2020 for the amount of {$34.00}, the ones I noticed was on the Month of XXXX for the amount of {$930.00}, when I logged into my account on XX/XX/XXXX. Total taken from me {$4400.00}. So Bank of America closed my debit card and and sent me a new one, I filed a claim and I asked them to cancel last transaction from XXXX, and for some reason they would not, transaction was still on pending process, anyway I filed police report with XXXX XXXX XXXX. officers name was XXXX XXXX XXXX # XXXX / police report case # XXXX, Bank of America is not accepting the police report claim, I disputed the claim 3 times, and yesterday Bank of America told me they will not be reopening the dispute, the reason they denied my claim is cause the 1st transaction was over 30 days and I did not stop it, but I keep on telling them I did not notice it until XXXX, also it seems bank have not been in contact with XXXX to see who ended up with the money, my bank statements just tell me XXXX received the money. I also tried getting information from XXXX, but they could not give any info due to there privacy policy, ( I do not have XXXX account XXXX I got lots of email from them they got 2 request # for some reason so I will give you guys both ( XXXX XXXX & XXXX XXXX ), XXXX XXXX from XXXX is telling Bank of America and or XXXX to contact XXXX at XXXX I do not believe either one of them has, Please help me, not sure what else I can due
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
Product: Debt collection

I reviewed my credit report and see where they have listed an item on it. I have requested a verification of the debit and asked them to provide proof. By sending me a copy of a document I have signed. They have not sent me any proof that I owe this debit. They have not sent me a copy of my signature as federal law mandates. If they do n't remove this from my credit report, I plan on suing them for damages.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccurate personal information on my credit report. I have recently obtained a copy of my credit report and discovered errors in the personal information section, which I believe are negatively impacting my creditworthiness and financial well-being. 

I am providing the following details for your reference : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1996 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address on Credit Report : XXXX XXXX XXXX, XXXX MD XXXX I would like to bring to your attention the following inaccuracies in my credit report : The credit report currently lists an address, which is XXXX XXXX XXXX, XXXX XXXX  XXXX address is outdated and no longer associated with my current residence. The correct address is XXXX XXXX XXXX, XXXX XXXX  XXXX, and it has been my primary residence for the past 7 years.
Product: Credit card or prepaid card

New information ( proof ) that a new card was issued to me. I was working with XXXX XXXX with not much luck, she advised me that she never saw any notes that would verify what I have been saying that two managers have submitted request so that I could get this account reopened. I never on this account because I was advised by your management not to pay on this account until it was resolved. I received a new card that my neighbor got in the mail they were out of the state so I'm just receiving it. They have the same address but different on a different street then me, so a new card was given. I am more than willing to pay the balance due on this account but I would like the account to be reopened based on the previous managers saying that because my account was closed after I made a pmt without being advised. XXXX XXXX did not listen to me to really help me. Please reassign my account so that we can stay in business together, I would appreciate it. Contact me at XXXX XXXX XXXX. See attached cc and reissued cc that has not been activated as proof one was indeed issued
Product: Debt collection

Throughout the time frame of XX/XX/2022 to the present day, the company, BRIDGECREST has repeatedly contacted me claiming that I owe a debt under BRIDGECREST. I have disputed several times and allowed BRIDGCREST appropriate time to show evidence of contractual obligation between the debtor and BRIDGECREST. 

I have reason to believe your accounts to be invalid because the original contract has an addition to the agreement with the following items : ( 1 ) The intent of the agreement is that the original party who funded the alleged loan per the bookkeeping entries is to be repaid the money.

( 2 ) The bank or financial institution involved in the alleged loan will follow G.A.A.P.

( 3 ) The lender or financial institution involved in the alleged loan will purchase the promissory note from the borrower.

( 4 ) The borrower does not provide any money, money equivalent, credit, funds or capital or thing of value that a bank or financial institution will use to give value to a check or similar instrument.

( 5 ) The borrower is to repay the loan in the same species of money or credit that the bank or financial institution used to fund the loan per GAAP, thus ending all interest and liens.

( 6 ) The written agreement gives full disclosure of all material facts.

Furthermore, nowhere in the documents sent is BRIDGECREST listed as a party with any interest nor was there any trilateral contract signed between the alleged debtor, BRIDGECREST, and XXXX XXXX. 

In the case that BRIDGECREST purchased and/or received the original contract from XXXX then : 1 ) Proof and evidence directly from the original creditor that I consented and gave permission for the sell of the contract.

2 ) Proof and evidence of a new contract between the alleged debtor and the new creditor showing the agreement to pay the new contract in the event that the original contract was sold and bought.

3 ) Proof and evidence from the original contract that gives trustees and third parties access to the debtors personal private information to included the account number to the debtors XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. <P/>After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. <P/>I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. <P/>I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. <P/>I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got a hard inquiry on my TransUnion consumer report from XXXX XXXX that I did not authorize.
Product: Mortgage

All asked for info provided. Delay in response at another point, they found attorney third party with said office near my home as requested, turns out never had one at all. When asking Bar Assoc about location of said attorney, # was given to me and info spoke about. Attorney stated she never heard of firm representing me or myself. Office environment was asked for, being scammed by attorney in XXXX  for 6 years caused for need of not being Pro Se, complicated case needing help, joined XXXX, a few years be a member, the time and amount of contacted attorney to move fwd in my quiet title, securitization audit, payment history after XXXX XXXX payment was needed to be picked up has a lack of Relationship Manager, with scheduled appointments with certified HUD council XXXX  XXXX involved since XX/XX/20, recorded conversions are being written by staff member to show negligence on their end. The servicer has merged with another and interrogatories are being asked to be answered after a attorney for investor offered, I excepted via phone only, due to interrogatories was recommended to have council but to no avail. XXXX seems to have conflict of interest with banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.
Product: Student loan

I have a Parent PLUS Loans with XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) that is being serviced by Great Lakes Borrower Services. In XX/XX/XXXX I filed for XXXX XXXX Bankruptcy in XXXX Florida after my divorce. The terms of the bankruptcy were to repay all debt at 100 % of principal. Great Lakes filed a claim with the court {$17000.00}. The loan principal however was {$14000.00}. The bankruptcy court assumed that the amount the company claimed was the amount I owed to pay off the debt. As a result, Great Lakes was paid {$3400.00} more than what they should have been paid under the terms of the bankruptcy. My bankruptcy ended this past summer and all debts were fully XXXX by the courts in XX/XX/XXXX. Now Great Lakes is saying I still owe them {$2100.00} for interest on a loan that was paid off in bankruptcy and paid more than the terms of my bankruptcy agreement with the court. I contacted Great Lakes and they said student loans can not be XXXX in bankruptcy BUT this is a parent direct loan, they filed a claim with the courts and were paid more than what they should have been paid under the terms of the bankruptcy. I have contact my bankruptcy attorney and they are trying to understand what Great Lakes did before they can do anything. What Great Lakes is doing is trying to collect on debt that was XXXX by the courts and it is called XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Nordstrom credit card company reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with my credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately XXXX because it isnt true and XXXX because it dropped my score XXXX points. I hope you can help me. 

Thank you
Product: Debt collection

This company i believe the name is ( XXXX ) continues to call my phone. Their number is XXXX. They are stating i owe a XXXX bill. Ive contacted XXXX who says I do not owe a bill. Ive asked this company to send me a statement they have not. Ive asked this company to stop calling my phone but they continue to call my phone.
Product: Mortgage

Lender did n't notify that insurance had been canceled and the Insurance company was sending notices to them.
Product: Credit card or prepaid card

I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.