23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company here in XXXX, XXXX XXXX is US Bank. After XXXX XXXX hit on XX/XX/XXXX and had a major impact on our community in so many ways, I applied for a XXXX month deferment of mortgage payments due to loss of income. 
I had already paid XXXX 's mortgage and was requesting a deferment for the months of XXXX, XXXX and XXXX. My hope was to have the deferred months added on to the length of the loan and to resume normal monthly payments in XXXX. 
I filled out the necessary information, explained my XXXX sources of self employment, explained in great detail the loss of oncome during this time, provided bank statements from my checking account, and submitted our 2023 tax returns as requested. 
I also had to resubmit the same information to US Bank more then once because, depending who I spoke to on the phone ( and given different and contradictory information every time ), agents would say that they had never received the information that was requested. And the only information that I received in the mail pertained to the amount of money I owed them, or ways to avoid foreclosure, etc. 
It was and is sadly and extremely evident to me that they had absolutely no intent on helping me whatsoever. They only seek to help themselves. And up until this point I had never ever missed a payment or been delinquent in anyway. I was just simply wanting assistance because of this major natural disaster. 
Yesterday I received another letter in the mail from XXXX stating that my request for assistance has been denied due to an " Incomplete Application. '' This is new news to me, had not been honestly brought to my intention, and it's just more of the same from an institution that is not in the business of doing right by the people who have been loyal to them.
Product: Student loan

I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.
Product: Mortgage

Our first mortgage payment was due on XX/XX/2020 in the amount of {$3700.00}. That payment was made by check to SIRVA Mortgage because our online account had not been set up. Every  mortgage payment starting XX/XX/XXXX in that amount until now has been made online and on time. The mortgage company has seem to have misplaced our first payment and they are calling trying to collect on an up to date account. On several occasions proof of payment has been sent with the first email being sent on XX/XX/2020. This proof includes the cancelled check. Another email was sent on XX/XX/2020 and all other contact by phone or emails sent by my husband pretty much every month. We are receiving calls and emails notifying of late payments. We have even trying to escalate through customer service only to receive verbal and mailed letters stating that they are " researching '' or they need more information such as proof of the payment clearing the bank. Proof of all payments have been sent several times with no resolution. We are at our wits end and do not know what else to do to get his issue resolved and feel we were left with no other choice but to submit a complaint to get this issue resolved that has taken almost six months.
Product: Credit card or prepaid card

I was told on XX/XX/2022 that if I were to put $ XXXX on my Chase Credit Card, I would qualify with a promotion with XXXX XXXX. I then went ahead and put $ XXXX on my credit card, only to receive a letter stating I was " miss informed ''. I am not sure how this does not constitute as some kind of fraud. I would never have put $ XXXX on this credit card without a Chase customer service rep telling me I would qualify for the promotion if I did. 

I just think other consumers need to made aware that Chase is promising to honor something if you charge on their credit card, only to tell consumers that they were miss informed. Now they are earning interest on my purchases, they would not have earned other wise. 

I have attached the letter to this email for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX XXXX  # XXXX, {$960.00}, XXXX XXXX XXXX XXXX  # XXXX, {$1500.00}, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$1500.00}, XXXX XXXX XXXX XXXX # XXXX, {$140.00}, 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 card

I attempted to make a payment on my capital one credit card on the statement due date. Capital one would not allow me to apply my payment on the actual date the payment was being made due to it being past XXXX XXXX XXXX and forced me to select the next date which resulted in me getting charged a late fee. I have never encountered a company that would set a time to post a payment especially in a global and virtual environment. This is gross predatory behavior and just a way to collect more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete inaccurate addresses on my report and i am worried it could lead to inaccurate information i have sent them numerous request to have these inaccurate unverified addresses deleted
Product: Debt collection

They sent a letter and stated I had a certain time to reply. I certified mail them a letter letting them know that this was not my debt. But they keep threating to put it on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX  of debt bondage. all 3 credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on XXXX XXXX XXXX  I have become a victim and this situation is very XXXX to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the trafficking. I have attached appropriate documentation ( XXXX XXXX  victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you and again, please consider the fact that I am on XXXX XXXX XXXX  for OUR country and you are completely ignoring and violating my RIGHTS as a human being. thank you.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, filed dispute with card issuer for failure to receive refund for cancelled flight. On XX/XX/XXXX, card issuer provided a provisional credit in the amount of {$380.00}. Although there has not been a final resolution to the dispute, card issuer, on XX/XX/XXXX issued a letter to me, that my account was being rebilled for the disputed transaction in the amount of {$380.00} because I had received a refund from the merchant. However, I have not received the refund, and the only thing I have received is a provisional credit from the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling nation star DBA Mr Cooper my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to XXXX  my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my XXXX  Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.
Product: Student loan

I was shocked to find out that my loans were transferred to Nelnet without any prior notice, and I only learned about it when I received their bill. To make matters worse, they had combined three loans, including two belonging to my XXXX children who were already in the repayment phase, into one bill, and I was charged {$490.00} for it. The statement was dated XX/XX/2023. When I called them to get more information, I was told to try back later as the hold time was over 30 minutes. Also, an hour before closing time, all calls were cut off. Online, when I attempted to check my account, there is either no phone number or a phone number that does not belong to me associated with my account, preventing access to account online. When I tried to contact their IT department, I was put on hold for 30 minutes and then disconnected. The live chat online was also unhelpful, redirecting me to a page with the same phone number and wait times of over 30 minutes. I need Nelnet to provide me with an explanation of the loans they are billing me for, the phone number associated with my account, and a possible correction, as I have never paid {$490.00} for a student loan payment before.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
Product: Checking or savings account

Chase Bank, Executive Office has ignored the evidence provided showing the property with XXXX XXXX XXXX XXXX transferred to Chase Bank due to  acquisition of Washington Mutual Bank which acquired XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I spoke with FDC Federal deposit insurance that oversees bank transfers. The agent who oversaw the Chase Bank acquisition of Washington Mutual Bank confirmed the acquisition. Agent confirmed FDC did not retain files from Washington Mutual Bank acquisition and verified the transfer to Chase Bank. Agent advised to dispute my large bank account assets transfer to Chase Bank with Chase Bank direly and submit a consumer complaint. 

1. XXXX XXXX XX/XX/XXXX XXXX was acquired by Washington Mutual bank which was acquired by Chase Bank. 

2. Executive Office of Chase Bank ignored my correspondence on XX/XX/XXXX with the facts below. 


A. Proof of ownership of XXXX XXXX XXXX XXXX, XXXX property of large bank account The attached XXXX XXXX XXXX  XXXX, XXXX tax form of XXXX shows interest income of {$1200.00} earned to the original deposit of a large bank account of {$20.00} opened in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX. 

B. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA was acquired by Washington Mutual Bank. Washington Mutual Bank failed in XX/XX/XXXX, and all accounts ( and website access ) are now handled by Chase Bank. 

C. State Controller Unclaimed Property office stated that the Savings account property was not transferred by bank to State Controller Property office. 

To determine whether the property is being held by a state government, I did a free search at XXXX, a Web site of the XXXX XXXX XXXX XXXX XXXX XXXX and spoke with three Administrators at the XXXX XXXX XXXX XXXX to confirm my search results. 

D. FDIC Federal Deposit Insurance Corporation that oversees bank transfers including Washington Mutual Bank 's acquisition did no retain files from Washington Mutual Bank 's acquisition by Chase Bank. The FDIC did not turn unclaimed property over to the state. 

E. FDIC Federal Deposit Insurance Corporation stated I needed to claim property from the business, Chase Bank.
Product: Consumer Loan

XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.
Product: Mortgage

I received notice in XX/XX/XXXX that my mortgage would be transferred or sold from CitiMortgage to XXXX XXXX. I told my wife that I wanted to just go ahead and pay the thing off to avoid any mix-ups or hassles related to the transfer. We only had about 8 payments left on a 15 year. We utilized their online payment system and paid it off in XXXX increments with the last amount showing XXXX. We tried to pay the XXXX but could only pay XXXX so it left one cent remaining. I assumed they would deduct this penny plus whatever made up fees they claimed from our {$1200.00} they owed us from escrow. I also received a notice of Our records indicated your mortgage has been paid in full. Please be aware you are responsible for all property taxes and insurance. Thank you for your business! when I logged on to make sure that things were done. I thought cool, they will now mail me the escrow balance check. 

My understanding is they have 30 days to settle the escrow. They then went forward with transferring the mortgage to XXXX XXXX and I have now received a letter stating Our records indicate that as of today, XX/XX/XXXX, your monthly mortgage installment which was due onXX/XX/XXXX, in the amount of {$2100.00} has not been received. I first called XXXX XXXX and they stated that they did show a balance but did not understand why I received the letter. The advisor also stated that my credit would not be marked for 60 days because it was a mortgage transfer and they would look into it. It was also my understanding that my load was not going to transfer to the new provider until the end of XX/XX/XXXX. I called CitiMortgage and spoke to a supervisor on XX/XX/XXXX and was told I could not pay off my mortgage using the online method and I had to request a payoff and that is why the load was transferred. 

I feel that Im being bullied and will likely have to pay a late fee of {$96.00} because I owe XXXX cent on the mortgage and it was late even though they have {$1200.00} of my money that they were obligated under the Real Estate Settlement Procedures Act to return to me within 30 days. 

Please help with this time wasting madness. 

Thank You Very Much.
Product: Credit reporting or other personal consumer reports

I recently found unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

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

In XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Bridgecrest repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to Bridgecrest multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with Bridgecrest and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, XXXX it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, Bridgecrest to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.