23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I have a letter from Ditech Financial, LLC settling my mobile home mortgage loan for {$15000.00}. I mailed them a good check for {$15000.00} to pay my account in full. They have posted that {$15000.00} payment as a regular payment and no one at Ditech seems to know whats going on with anything EVER and could care less about fixing the issue. They have given me a deadline of XX/XX/2019 per the letter to pay this account in full for {$15000.00} which I sent to them. I need some help forcing Ditech Financial to adhere to their end of this bargain and agreement dated XX/XX/2019. Can you please help me?
Product: Credit reporting or other personal consumer reports

In XXXX I XXXX XXXX XXXXXXXX at XXXX. I did not receive my {$1200.00} for living expenses the XXXX at that time Im not sure if they knew it or not but they had rogue fraudulent office workers who said I received my XXXX but I did not And I could XXXX XXXX XXXX XXXX and I paid {$1200.00} back. in XXXX our found out about Brower defense discharge and applied for it. A couple years later after that XXXX XXXX was shut down because obviously throughout the years I was not the only one with the same complaint was supposed to be given some type of compensation, Ive never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems advised me in XX/XX/2018 that they have removed the falsely reporting information from XXXX XXXX XXXX XXXX XXXX, they also stated that they removed past addresses that i have never lived at due to identity theft. XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. They advised me and sent me an updated report which i reviewed and the information was removed. However i went to apply for a savings account today and it appears they re applied the negative information back on my report. Falsely stating they removed it. When you advise a client you have determined an error did occur and that you have blocked that information from my file you should be honest. Don't like on paper when you forward it to me. Lastly this is causing issues again and i thought this was resolved. Apparently ChexSystems goes against the FCRA Requirements and do not follow the rules to block Identity theft fraudulent items. This is causing damage to my personal reports and issues for me in the long run. I didn't open any accounts with XXXX XXXX or XXXX or XXXX XXXX. I want these removed immediately and send me a updated copy proving these have been removed.
Product: Student loan

I am filing this formal complaint with your office as well as sent a complaint to the Mohela Ombudsman, and also sending complaints to the SC XXXX XXXX XXXX XXXX, Federal Student Aid, SC XXXX attorney general as well as my congressional representative. 

As of XX/XX/2022, I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX For more than XXXX ( XXXX ) years and a total of one-hundred XXXX ( XXXX ) payments, I have worked tirelessly to maintain the correct payments, maintain those payments on time, and submitted the correct Forms year after year required to remain in the Public Service XXXX XXXX XXXX XXXX Now, today, on XX/XX/2022, at what should be a celebratory and happy time for me, I have spent over XXXX ( XXXX ) hours on the phone with Mohela representatives trying to get a simple letter indicating the facts stated above : That as of XX/XX/2022, I have reached payment number one-hundred XXXX ( XXXX ), and therefore my loan will be submitted to the Department of Education for XXXX XXXX XXXX However, I am simply being told, " Sorry, it might take up to XXXX ( XXXX ) days for us to even verify your employment, before even submitting your loan. '' Not to mention, they tell you in the most condescending way possible. If Mohela was going to service XXXX loans, they should have been prepared for this very scenario. Not only does it take HOURS to even reach someone on the phone initially, but once you do, they are not at all helpful and couldn't care less. Up until this last leg of my loans, I have been serviced by XXXX XXXX and never once did I have any of these issues. 

The purpose of my request for a formal letter indicating I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX XXXX because I am in the process of purchasing a new house. This letter will allow the Mortgage underwriter to exclude from my debt ratio the balance of these Federal Loans. Reaching this point in the XXXX XXXX XXXX XXXX XXXX is a milestone that Mohela employees should go out of their way to expedite processing. XXXX XXXX employees take very low-paying jobs all while serving their communities and in some cases, like mine, risking their lives on a daily basis. Instead of being of assistance, Mohela is operating as if they don't want to process these loans for forgiveness. 

I am requesting a response to this complaint. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Originally I applied for loan modification and was denied. I listed my house for sale ( its short sell since I owe more than what the house is worth ) and had couple of offers and non of them were accepted by the bank, they said they were too low. My agent finally found a buyer with a higher offer, we have sent all the required forms and items to the bank and appraisal was done on Friday XX/XX/XXXX, I have asked the loss mitigation ( XXXX said she is not willing to postpone sale unless she gets the appraisal, well the appraisal was ordered by the bank and not me, she is responsible on getting that, there is nothing I can do, I have done my part. She needs to postpone the sale in order to allow time to get the appraisal. Sale date is XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX I logged into my Wells Fargo account and it shows a banner that has pre approved offers for credit cards. As I have not had but 1 inquiry in the past 5 years. And recently paying off things that were on my credit, I thought it would be a good time since Im pre approved from the offer from my bank. I have a personal checking. A business checking. Business savings. And business credit card with Wells Fargo. I thought my personal credit must be looking good since they are pre approving me for personal credit cards. Well after I logged into the page Wells Fargo populates all the information and comes back with a denial. I called the next day XXXX and I was on the phone for 1:30 trying to talk to an underwriter to show what was on my credit is marked for deletion and have the papers to prove it. So there really shouldnt be an issue with approving this account. Especially since once again I was pre approved. They transferred me to 4 different people. Most being rude. And refused to get me to an underwriter. They should be a business of their word and extend credit as they have put 2 inquirys on my record in 1 day. They need to remove an inquiry and also extend credit as they pre approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my MyEquifax account and after speaking to someone from the Equifax customer service I was informed that I am not authorized to have a MyEquifax account. I asked the representative why I'm not allowed to have an account and she said that information was not available to her. I asked to escalate this issue or start an inquiry into why I am blocked from having an account and she said that is not possible. After Equifax handled all of our information so irresponsibly, I can't understand why they're allowed to block access to my own credit report online.
Product: Checking or savings account

Navy Federal was suppose to the charges from coming out of my account but didnt. So it continued to overdraft/ return fees on my account.
Product: Bank account or service

After my Fathers death mid XXXX, my mother and I tried to regain control of an account managed by him for which my mother and me are currently co-owners. My parents are international customers living in XXXX, I live in XXXX. For that account a card was existing but the ATM pin was unknown and no cheques were existing. 
It was nearly impossible to contact the bank throughout several months as a key number ( social security number ) is needed to make the phonecall and all known personal contacts at the bank branch were not responding to emails/phonecalls. 
We managed to get through on XXXX XXXX to the branch and the director agreed to send to XXXX a card and a cheques book to regain control of the account. Nothing ever arrived. 
We managed to get through again on XXXX XXXX through the XXXX number and the person attending agreed again to send a card and cheques. Nothing ever arrived. 
Between mid XXXX and mid XXXX, all money in XXXX different accounts was spent from XXXX XXXX XXXX XXXX using a single card. In order to do this also money was transferred between accounts within the bank ( from an account for which no card was existing to the one that was accessible via the card ). The card number and type used is still not known to us as the bank has refused to provide any information. 
We ( my mother and me ) traveled to the branch personally and placed the claim personally. 
After less than one week, we found out that the claim was denied. 
After this, I reviewed the claim to figure out that it was wrongly formulated and requested a correction via the branch. It is not clear for us if the claim was updated for such correction. 
In addition we requested more information regarding the reasons why it was denied as well as more information to enable further investigation from our side. The branch has, after more than XXXX requests, not provided such information. 
The claims department indicated that XXXX leters have been sent explaining the reason for not accepting the claim but none of these have arrived so far ( after almost 2 months ). 
Through the branch, I requested an account statement to find out that most of the account fees and XXXX fraudulent transaction had been refunded back ( total amount of fraudulent transactions is around XXXX and fraudulent transfers XXXX ). 
After contacting the claims department, they insist that the claim has been fully denied and that no refunding has taken place. 
I have been trying to get information from the bank but just get forwarded from one section to the next one. Waiting times are considerably long ( last phonecall was 2 hours long until the call got forwarded once more and there no audio was available ).
Product: Credit card or prepaid card

I had XXXX $ of fraud charged on my bank card. Over like 2 months. It's obvious fraud. It's very common scam. I reported it. Opened a case. MY BANK KNOWS ITS FRAUD. ITS OBVIOUS. I DIDN'T MAKE THEM CHARGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Failure of my bank Chase to state information, warnings and protection concerning my banking accounts with the using transactions with XXXX since 2017.
Product: Checking or savings account

XX/XX/XXXX Fraud/scam reported to Bank of America XXXX checking account frozen due to activity. Bank of America representative advised to open new account due to deposits that were going to be deposited into into old/frozen account, and then to call and have funds transferred to new account. This was completed. There was another deposit that was on hold to be released to new account XX/XX/XXXX @ XXXX, verified by Bank of America representative XXXX on XX/XX/XXXX the account, both old and new accounts closed by the discursion of the bank with no other explanation. I have {$1800.00} available but because Bank of America will not allow me to withdraw my funds from a branch location I now have no money available. Bank of America will not help me and I have called to resolve multiple times. I was advised I do no have a closure date but a live check with my funds will be mailed, this can take up to 8 weeks or more.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding XXXX XXXX  Account on Credit Report Dear Experian XXXX Department, I am writing to formally dispute the presence of an account from XXXX Bank on my credit report, which is currently marked as " settled payment. '' The account in question has been XXXX since XXXX, and as such, it no longer holds validity on my credit report.As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 605 ( a ) and 605 ( c ), any discharged debt must be promptly removed from a consumer 's credit report. Furthermore, under Section 623 ( a ) ( 2 ), it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information listed on a consumer 's credit report.Given that the account from XXXX Bank has been XXXX for over three years, its presence on my credit report is not only inaccurate but also misleading to potential creditors and undermines my efforts to maintain an accurate credit profile.I kindly request that you promptly investigate this matter and remove the aforementioned account from my credit report in accordance with the FCRA. Additionally, please provide confirmation of the removal once the necessary action has been taken.Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX I was under forbearance due to covid-19 for my property I reside at XXXX XXXX XXXX  XXXX, XXXX, Va,XXXX.I was going under my house refinance when I learn that my credit showing 3 late payments from JP Morgan Chase I called JP Morgan Chase which share my loan real estate home equity after I find out I have late payments showing on my credit and why I was not inform about when to start making my normal payments after searched agent came back on line and mention we had wrong address in file however its still reported late and we cant take that off from your credit until its paid in full which I made full payment right away and within time frame I was given I went back to my auto pay setup for monthly payment will be draw from my account automatically .I called back and ask the chase why its still showing on my credit late payment when I made the full payment and they were the one had wrong address in file sending the communication to the wrong address in first place it wasn't non disclose to me at any point of time without any proper communication in stead agent spoke rudely and I had wait on hold 1hr 47 min then call was disconnected. I had to call back again this time I was connected to XXXX XXXX his ext XXXX he took my concern and called me back week after chase has denied my reporting .As a fair resolution to this situation all I am asking to remove those late payments reporting from my credit in all fairness it was right after the covid happen I have always made my payment on time even after I find out I made full payment and went back to auto pay chase failed to disclosed the communication to me about my account not having correct address I am not asking a lot please look in to this matter I have a family I have been supporting all along in covid and still ensure all my payment are made on time I have been working all this time as an essential worker to help people and still ensure I wont loss my house I just need help and clear this misunderstanding as I am getting refinance this mortgage to pay chase remaining home equity is one of the reason to get refinance. 

Sincerely Thanks Name : XXXX XXXX XXXX Cell : XXXX Chase account # XXXX Property address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VA,XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 TRANSUNION 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
Product: Debt collection

USAA Credit Card Account Identity theft Check fraud Auto Claim Theft- All USAA Military Spouse Benefits Theft Notification attempting to resolve
Product: Debt collection

In XXXX XXXX, my wife and I discovered that Express Recovery Services , Inc. in XXXX XXXX XXXX, UT was reporting negative credit information to our credit files with the XXXX XXXX credit bureaus. 

We sent a letter of dispute in XXXX XXXX and asked Express Recovery to validate the alleged debts. We received letters for Express Recovery date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that stated " Based upon the review of your dispute it has been determined that you dispute is frivolous or irrelevant based on the information listed below. 

NOT ENOUGH INFORMATION NO ACCOUNT NUMBER. '' We find it difficult to believe their response given that Express Recovery, has our social security numbers, our names and mailing address but do not have enough information to honor our request for debt validation?! 

A certified dispute and validation letter with returned receipt requested was sent by us to Express Recovery XXXX/XXXX/XXXX. 

We have not received the required 30 notice to dispute letter Express Recovery is required by the FDCPA to provide, we have had our request to validate the debt ignored and negative credit information continues to be reported to our credit files.
Product: Debt collection

I was recently made aware of a XXXX debt collection agency, Atlas Financial Services XXXX XXXX, XXXX  XXXX attempting to collect on an unpaid parking ticket issued by XXXX XXXX XXXX of XXXX XXXX XXXX. The debt agency was attempting to collect USD funds while the ticket was issued and indebted in XXXX funds. This is unlawful.
Product: Mortgage

I got an email from XXXX XXXX soliciting about a mortgage product. I asked her for the name of her brokerage, NMLS ID or real state license number. She said she will release that upon filling out a form where I'm to disclose my personal information. 

I'm sure she and her company are not licensed to do business in the state of California. 

I've attached the email conversation and the form she enclosed to be filled out.
Product: Debt collection

XXXX/XXXX/2016 XXXX XXXX XXXX - XXXX - Hospitalist XXXX XXXX XXXX XXXX, FL XXXX Performed several XXXX test on me, I had XXXX in the XXXX every 5 months or so I 'm to be recheck. 
I 'm medical needed with a share of cost, if the test that this hospital did was XXXX XXXX And paid {$120.00} to hospital why is XXXX & Credit Management , LP ( XXXX ) XXXX trying to collect. 
Credit Management Informed me that if I did n't pay them XXXX dollars a month, they would report this to credit bureaus. 
I informed her that I was XXXX & was living on a fixed income I could pay {$20.00} dollars a month She XXXX hanged the phone up on me, She stated this was my share of cost. 
XXXX XXXX XXXX ) XXXX Told me that I gave them the wrong medicaid number, when I had never spoke to these people until XXXX/XXXX/16 I was told that I would have to contact the collection agency. 
The collection told me that I had to contact the original creditor.
Product: Checking or savings account

In XXXX, an account was opened at XXXX XXXX for our mother by a family member that was not her documented financial POA, and was allowed to add her name to the account. Our mother was taken to the bank with an estate check of {$300000.00} plus, and was coerced to sign her name. XXXX has recently passed from XXXX, which she had at the time of the unauthorized transaction in XXXX The non-authorized family member, that orchestrated this transaction, is not willing to distribute the remaining funds to the beneficiaries. This entire situation was negligent and we want some answers immediately and we're prepared to take legal actions. Please advise. 

Thank you, XXXX XXXX