23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, BOA finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with XXXX XXXX. XXXX XXXX provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. BOA, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from XXXX XXXX ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when Bank of America Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage Loan # XXXX XXXX XXXX XXXX Loan # XXXX Bank of America Loan # XXXX XXXX Bank-No loan number, but Foreclosure Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX/XXXX/2020, I receive an alert that my credit score tanked by XXXX  points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks XXXX points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up XXXX points. I owe XXXX and it plummets by XXXX points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXbyEquifax
Product: Debt collection

Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.
Product: Mortgage

I am a student and worker who has purchased a XXXX bedroom,XXXX bathroom townhouse in Florida in the year XX/XX/XXXX.My mortgage interest rate is about 5.2. percent on a 30 years fix mortgage.That left me with a mortgage payment of about XXXX dollars per month. Over the years I have been rattled with financial hardship XXXX which did cause me to spend 2 weeks in XXXX Hospital here in Florida. Such events has caused me to fall behind on my mortgage that is now managed by JP Morgan Chase Bank.I have filed an entitled loan modification with them however they have denied me the modification without briefing me with legit paperwork documenting the reason why I was denied.After calling Chase over and over trying to get a reason as to why i was denied, I was told vaguely through word of mouth that " your income shows that you can afford a mortgage reinstatement payment plan " Please be aware that my income is currently less than XXXX dollars a year.Chase left me with little to no options.One of the main options that Chase gave me was to pay the payment plan that I could not afford which consisted of making a down payment of XXXX then additional payments of XXXX for the rest of the 2015 year. 
I have been waiting on them to file another loan modification under the " making home affordable act '' but they refuse to properly communicate with me.I was told by a Chase representative who work in the executive office named XXXX at extension XXXX that " a loan modification is not mandatory '', and that Chase must follow " Investor guidelines '' All the additional options Chase gave me only involved me short selling my home or me turning the home over to them. Chase refuses to give me proper reason why they denied me of the modification that I disparately need.I have tried sending them a hardship letter to explain my situation with them so that they can work with me and help me keep the home but they refuse to do so.Instead, I have been receiving letters from Chase giving prorated dates urging that '' more time is needed '' before they can come up with a decision regarding my request for them to review the case .They have been persistently stalling. 
The last letter I received was dated XXXX, XXXX. It stated that an answer regarding my hardship letter will be provided by XXXX XXXX when I have in fact checked with the XXXX XXXX XXXX Clerks Office In Florida., it shows that JP Morgan Chase filled a Foreclosure Suit against me on XXXX XXXX.
Product: Debt collection

The collection agency agreed to remove the collections back on XX/XX/2015. Now they have reinserted the same accounts a year later without notifying me within 5 days, according to FCRA standards. Instead of removing the accounts, I 'm continuously getting hassled to pay bills that I did not authorize. My Mother, made financial decisions with my account while I was on life support and I could not fend for myself. 

I disputed those charges a year ago and all 14 accounts were removed. Now they have appeared back and Revenue Recovery Corporation says that they were never removed. I 've submitted proof of the removal and they are ignoring the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get transunion to remove inaccurate previous adresses I never used or lived at, attached is a letter of explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting

No one is verifying the payments being sent to XXXX, they are only content on verifying the trade line not accuracy. On XX/XX/2017 I submitted a partial payment in hopes it would report to the credit bureau, it did not. According to federal law it should be updated, or otherwise it is in error as of today, and as such should be removed altogether for being wrong. I have enclosed a screen shot of a payment clearing XXXX to XXXX on XX/XX/2017 towards XXXX with proper payee address and contact info. My credit report DOES REFLECT THIS PAYMENT. Therefore it is an erroneous report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting 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. 

Account Name : XXXX, Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX, Account # XXXX and Account Name : XXXX XXXX Account # 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.

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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Money transfer, virtual currency, or money service

I've been accepting payments from paypal for my Short Term Rentals. They are currently holding money on services that were rendered through the XXXX platform. There is over {$10000.00} being held that has caused my business to be financially impacted as the money was to cover rent on my short term rental properties.
Product: Debt collection

On XX/XX/2014 apparently I'm supposed to have owed {$930.00} for an old XXXX bill that I have no knowledge of ever haven a XXXX account. I never had XXXX in my life. I only had XXXX and XXXX and I have already paid off the debt for XXXX so I have no idea where this amount came from. My identification was stolen from me back then and I dont have no knowledge of who done it. So it could've been anyone who used my name and social security number. So I need this amount disputed and tooken care of because once again I never had no XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. XXXX  and Experian keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite more than one month and a half calling them directly using the numbers furnished back of the cards and on printed letters phone numbers printed in the back of their own documents they do not fix the the mistake and are trying for all possible ways to make me sign docs in that way i would be responsible for those exactly amounts that i am proving are not my liabilities cards and accounts fraudullentlly open on my name without my consent I mean come on how many times is it really necessary to say that : I am a victim MY IDENTITY WAS STOLEN by Mr XXXX XXXX XXXX also known as XXXX XXXX ( FRAUD ) ALSO XXXX XXXX XXXX XXXX ( FRAUD ) & XXXX XXXX ( FRAUD FRAUD ) to Mr J P MORGAN AND CHASE & TO : Mr. XXXX XXXX? When are you ( 2 ) going to PRESS charges and pursue JAIL TIME to this INDIVIDUAL that is STEALING from me ... my family ... .stealing his employees stealing his suppliers stealing from the state of florida and strelinfg from the federal government? To whoever that might be interested I XXXX XXXX XXXX one of his victms I have the proo of all of his crimes. Including but not limited the bad treatment to 4 cats called ( XXXX XXXX / XXXX and XXXX ) that are left alone in a place that is disgusting nasty UNFIT for the animal to live in. 

Thanks. 

XXXX XXXX XXXX
Product: Checking or savings account

Even when my card is look money still come off my account some ppl keep getting my card information with out me giving it to them I done lost ove XXXX from XXXX2024 until now XX/XX/year>2024 2024
Product: Credit reporting or other personal consumer reports

BY 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 COMPANY : ACCOUNT # XXXX AND XXXX XXXX XXXX XXXX : ACCOUNT # 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 AN 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 INFORMATION ITEMS. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Bank account or service

I Lost My Wallet XXXX XXXX, and On XXXX XXXX Someone Deposited a {$5000.00} Dollar Check in My Account Taking The {$5000.00} and My Money along With It Out Of My Checking {$800.00} and XXXX From My Saving and Payroll Check {$210.00} and I Called to Let Them Know! Done Everything Thing They asked Me To Do And Still Have n't Gotten My Funds Back! I Reported It All! I Really Thought My Funds Was Secured Have Been Banking With Navy Federal For Years! Just Moved To Texas Where There is No Navy Federal and Something Just Do n't Seem Right About This! Thank U
Product: Credit card or prepaid card

USBank presented me a cash back offer, which appealed to me. I applied for the card and received it late in XXXX. I did not use it until XXXX. At the time I received the card, or shortly after, in the very last week of XXXX, USBank asked me to name my preferred cash back options, and I did so. I stopped using my previous card and began using my new USBank card for the transactions that fit my options. When I received my statement, i saw that my cash back amount was less than promised. I made several calls and other contracts to USBank, all of which were deflected with no assistance. Finally, I received a call back from XXXX XXXX She gave me the flimsiest imaginable excuse. She said, because I chose my options in Quarter 4 of XXXX, they only counted for Quarter 4, and as of Quarter 1 of XXXX, I no longer had any chosen options. Seriously? I made a first-time selection before any purchases on a new card, and a few days later USBank pretends XXXX have not made any selections at all?. No doubt there is some fine print somewhere that renders this deception legal, but it is unfair and misleading. One wonders why a bank would make promotional offers, then drive customers away with petty tricks.
Product: Mortgage

I am in active bankruptcy and have a past due balance. Through my bankruptcy plan, the trustee pays my monthly mortgage and an amount towards my past due, back balance. On XX/XX/2022 I submitted an application to The XXXX XXXXXXXX XXXX XXXX to assist with getting caught up with my mortgage. They approved my application and stated I was eligible for them to pay my back balance and 6 months towards future payments. XXXX sent the information to my mortgage company, Mr. Cooper on XX/XX/2022. According to XXXX, Mr. Cooper has the documents marked as received. I have called Mr. Cooper every week for the past 3 months trying to get them to submit the i-Record back to XXXX to finalize my assistance. This is a timed program and I am afraid I am going to miss out on the assistance. XXXX informed me to speak with the XXXX dept. Mr. Cooper stated the XXXX dept works behind the scenes and is unable to speak with me directly. I did speak to one woman directly several times, who was emailing the XXXX dept on my behalf. As of today they still have not completed the i-Record and sent it back to XXXX. XXXX also sent Mr. Cooper a delinquency notice, to let them know they have past the mark for a timely response. I have not heard anything from Mr. Cooper and I get transferred around to several different people if I call looking for help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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: Checking or savings account

Beyond van lines is really XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. They claimed to be a moving company. They said the total cost of the move is split in 3 payments. The initial {$1600.00}, one when they pick stuff up and one when they drop stuff off. We scheduled out move XX/XX/XXXX. Our move is for XX/XX/XXXX. Today is XX/XX/XXXX. They called us today demanding an additional {$3000.00} and if we dont pay, we cant keep our move date. That is to be paid today by close of business and still have to pay the other two payments. They only took payments by electronic check, cash and XXXX. My bank, capital one, isnt helping. They said its between this scam company and I because theyve already cashed they check.
Product: Checking or savings account

In XX/XX/2022, I disputed {$900.00} in total charges to merchant XXXX paid with my debit card. TD Bank requested additional information, which I provided to them in writing, by email, and by the date specified. Prior to emailing them this information, I went into their XXXX branch with my documentation and they were unable to fax it to the claims dept due to technical issues. Following this, they erroneously reversed my credits claiming they never received the additional information from me, charged me erroneous overdraft fees, and made my account negative. Since then, I filed numerous complaints with the CFPB under my other email account, XXXX. and uploaded proof that they received the information, and uploaded the requested information. On XX/XX/2022, TD Bank, once again, reversed the credits, causing my account to be negative and charged me erroneous overdraft fees. Yet, on XX/XX/2022 they sent me a letter stating my credits were final, but have failed to credit my account. TD 's actions have caused me substantial injuries. They have wrongfully withheld my money for five months, despite my makjng numerous complaints through CFPB, to their escalation team, and their legal dept, which has all been in writing. They have prevented me from paying my living expenses and XXXX related expenses. This has ccausedme severe XXXX XXXX. They have ignored my repeated reasonable accommodation requests for them to fix this problem, which I most recently made on XX/XX/XXXX and XX/XX/XXXX. I submitted both requests in writing to their branch which were completely ignored.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to create an account to submit a request for a credit freeze. I was informed through the website that it was unable to identify me, and to call their number to have an agent verify my identity. I called the number, and was not able to verify with the automated system or reach a representative
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF THESE ACCOUNTS : 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 or other personal consumer reports

Violation of 15 U.S. Code 1681 ( a ) ( 4 ) It is a fact that, in accordance with 15 U.S. Code 1681 ( a ) ( 4 ), the affiant is a consumer who has a right to privacy. By disclosing my personal information without obtaining my explicit written consent or following legal procedure, PORTFOLIO RECOVERY ASSOCIATES breached my right to privacy.
Product: Credit reporting or other personal consumer reports

Your company failed to provide me with a statement 21 days before sending out any of my personal non public information as required by the FCRA and 15 usc 1666 under the Truth In Lending Act.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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