23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Chase, I would like to report the Chase Business Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. Please wipe all debt in relation to this account immediately. 

Thanks. 

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

North American Recovery XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.
Product: Mortgage

XXXX is our mortgage servicer, but they have not been fair in regards to our mortgage situation. We struggled when my husband and I both lost our jobs a few years ago, but our income is back to where we can afford our mortgage payments. We suffered through a hurricane and were given a hurricane forbearance, but XXXX lied to us about the terms of the forbearance and now we are in jeopardy of losing our home through foreclosure. We tried to apply for mortgage assistance, but XXXX is refusing to help us and say we can not afford our payments, all due to their mistake regarding how they handled the hurricane forbearance. They advised in XXXX of 2017 that they would take the amount postponed due to the forbearance and put it into the back of the loan. However, when we contacted them after the six months, we were advised that the total amount due was the six months and our regular payment. We are extremely frustrated with their process and representatives and afraid that we will lose our home through foreclosure. Also, they apparently approved us for a repayment plan and it was supposed to be mailed to us, however, we only received a request for mortgage assistance package in the mail. The representatives we speak with do not have a grasp of what is going on with our file and we do not have a single point of contact to deal with on our mortgage. We are not confident they are properly servicing our loan and we would like for your agency to investigate what they are doing.
Product: Checking or savings account

Since XXXX XXXX I was notified randomly my account was being closed. 
I was given no explanation No infraction was imposed
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX BANK XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DOVENMUEHLE/AMERIS BAN XXXX XXXX BANK XXXX XXXX Never XXXX the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

Equifax please remove XXXX XXXX  for XXXX dollars, this account is not mine. I do not recognize this account at all, this account is fraudulent, I want this account removed immediately someone has used my name and information to open this account in my name and please also please remove XXXX inquiries in my credit report, I did not check my credit report or run it please remove these asap thank you And credence resource manage for XXXX this account is fraudulent it is not mine please remove this account
Product: Credit reporting or other personal consumer reports

I have something negatively effecting my credit and my name is XXXX XXXX but its for XXXX XXXX and its {$420.00} and I would pay it but I want good credit and its not my best anyways, I just want my credit to go up so I can move out of my moms house and this isnt even my debt but I cant seem to win any dispute. Ive filed with XXXX in XXXX but they didnt do anything. Its through I.C Systems in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr cooper approved this pandemic forbearance without my consent it was approved i suspect only after a modification mishap. When I asked for this pandemic forbearance thingy prior but it kept saying denied ( i went online to their website many times to renegotiate and it would go through the process until the very end it would give a error indicator or something to that effect ) i also highly suspect then it went on my credit derogatorily ( cause i was getting the calls and then the notice from the third party under the door ) for a while then this forbearance is miraculously approved again!! Now this pending modification I never started is here on my behalf how can this occur without my involvement whatsoever. You get teh merits and benefits of the law by diligently doing things to protect your investors and your staff artfully schematically narrate legal grays but im certain i would have to sign off on this or something casue when i clamored for it i got rejection and double talk then mircles start happening out of the kindness of your heart and still im left in the dark eventually paying more ( this debt and my credit ) while your numbers look good
Product: Credit card or prepaid card

XX/XX/2021 {$1.00} XX/XX/2021 {$44.00} XX/XX/2021 {$22.00} XX/XX/2021 {$44.00} XX/XX/2021 {$9.00} XX/XX/2021 {$86.00} XX/XX/2021 {$86.00} XXXX deactivated my previous credit card with new one.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Product: Mortgage

I applied with Quicken Loan for my house back in XX/XX/2021. I have had serval Loan estimates since my first one all the way to the end. I got a loan estimate on XXXX stating I need to bring {$2200.00} to close. On XXXX, two days later right before closing on XX/XX/XXXX, my final estimate was {$5800.00}. In XXXX days it goes up {$3500.00} right before closing with no clear explanation again. One guy says its the XXXX 'S but I have everything in an email to the banker showing all the one time fees at closing in XXXX. They had all this information. It gets better, Now I was originally only suppose to bring a couple XXXX to close as stated in XXXX. The first estimate states me getting a check back for {$20.00} and no lender credits. After I got this, I emailed them back saying your missing {$5300.00} in fees. So she then gives me a {$4500.00} credit and I agreed to those terms. Then I get another estimate stating I owe {$4300.00} with a {$4500.00} credit!! So then she ups it to a {$7000.00} credit which leaves me at {$1800.00} to close. Then on XXXX I find out they are giving me a total of {$10000.00} in lender paid fees plus I owe the {$5800.00}. So this bank was off by {$12000.00} from beginning to end. That's unacceptable to be off by so much and then stick me with the big bill at closing XXXX days before. The loan estimate was about XXXX to begin with and when it was done it was close to XXXX. That is a lot of money to be off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist reported that XXXX payment was paid late and that my account was past due. I called them and they said that they would fix it on their end but I would have to reach out to the credit reporting companies. My credit score fell over 100 points.
Product: Credit card or prepaid card

Around XXXX of XXXX, I discovered that an account I had with Bank of America had been charged off. I had a secured credit card with them since XX/XX/XXXX. I contacted Bank of America to figure out why they charged off the account for {$880.00}. 

I did not receive any specific information, other than a charge that was credited back to my credit card was reversed and I had that as a balance. I never received any type of notification that they had reversed the charge or any billing statement. 

I requested documentation for the charges from Bank of America, which I never received. I attempted to have the information corrected on my credit bureau, however Bank of America continually states they are reporting the account correctly, which is inaccurate. 

I have offered as much as paying the balance in full, in order to have the reporting corrected on my credit bureaus, however they refuse to accept payment. I sent them a letter and email advising that I had never received a bill for the charged off amount and I was never given an opportunity to pay them, prior to charge off. 

I told Bank of America that I did not agree with the reversal of an unauthorized charge, however they stated they are no longer able to investigate the unauthorized charge. I requested proof that the charge was authorized and accurate, however they did not send me anything. 

I sent a letter to Bank of America and I have received no response. I also emailed the CEO and VP asking for assistance, to no avail. 

Please assist me in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist Bank issued a XXXX XXXX to me, that I never requested or received. Fraud charge of {$20.00} was placed on this new card. I was at the bank when we discovered it, reported it to credit card department # XXXX & reported that it wasnt me, I NEVER HAD THE CARD. Closed the account right then and there on XXXX XXXX. Since then with multiple calls from my bank & me to this agency. NOTHING HAS BEEN DONE!!!! Except added late charges to this closed/frozen account ( now charges are $ XXXX ) ALONG WITH MY CREDIT SCORE GOING DOWN FROM XXXX to XXXX as of XX/XX/2023!!!! I keep getting the run around on this fraudulent charge and Now its missing with my credit rating.. Can you please assist me, Im getting no where but, do have a Claim # with the credit card company. They said it should take 2 bill statements to clear up but, you can see its been almost 3 months & ruining my life & credit!!!! The credit card company is now calling me for late payments!!!
Product: Debt collection

There's a XXXX credit card on my reports and I have disputed several times for 2-3 years in a row. All three refused to acknowledge my complaints about the activity that's not mines. I have even been threatened by XXXX in writing before that they will forward the information to all XXXX credit bureaus to impact my score in a negative way and that's what has happened. Ive asked time again to remove the debt from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC is a Debt Collector who has reported a debt of {$1600.00} that I do not owe to the Credit Bureaus. The original Creditor is XXXX XXXX XXXX  XXXX XXXX. Thi9s creditor has never contacted me. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. They only say '' we have investigated, and the debt is valid without providing any documentation. This debt is not my debt and may be because of identity theft. 
Their address is : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The issue is that they refuse to respond to me, and whenever I reach out to ask them to review for inaccuracies, they claim I am someone else, despite providing all of my personal documents. As per the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, but that hasn't been happening.

Therefore, I have attached a letter requesting that they validate and verify the information, ensuring it is reported completely and accurately.
Product: Credit card

In XXXX I called to make a payment. During the call I was led to believe that the payment was covered for the month. In XXXX I called to make a payment and was told the account was past due, and that the was the reason for the payment increase. When I asked to make less than the past due amount I was told that there was an issue with the systems and need to be transferred to an agent that could assist. I was transferred multiple time or disconnected on and had to repeat myself to several agents. 

I was finally able to speak to a gentleman in late XXXX who informed me that the full past amount was due and if I could not make the payment he could assist with payment arrangements to catch up. However, it will still be reported to the credit bureaus I was past due, interest would accrue and late fees would be assessed. He was the only one up front and honest about the reason a payment less than the minimum due couldnt be accepted, unless it was a payment arrangement. 

I believe that the associates mislead me, by saying there was a system issue or that I need to be transferred to another department and refusing to assist me with making a payment. Causing the account to go further delinquent. I believe this to be unfair and deceptive practice. 

I would like that this be investigated, all interest and late fees waived since XXXX and credit repaired. Due to their unfair and deceptive practice this has caused financial harm. Chase and associates were out of compliance based on the FCRA. 

I spoke to an associate today XX/XX/year>, who I pretty much expressed all my concerns. Please pull the call and listen to all my concerns. 
Id like a full investigation on the above and following : 1. why I was mislead. Never was I told I was speaking to a collections agent. Because the account was past due, and the past due needed to be paid in full or an arrangement could be setup. This is in violation of CCPA and UDAAP. I have the right to know what personal information is being collected when I called. A
ll I was told was I was not responsible for the debt ( balance owed ) or obligated to make a payment.

2. Why my payment by phone was not accepted, and mislead to believe I had to be transferred to another department that could assist with making a payment. This lead me to believe the only option was to save the payments I intended to make monthly, until I had the full amount to bring the account up to date. Causing fees, interest to accrue and being reported to the credit bureaus as late. 

CC # : XXXX
Product: Mortgage

When I spoke with Mr. Cooper chat support the agent told us that if you have equity more than XXXX XXXX then your PMI will be cancelled. and based on their support article we qualify for that https : //www.mrcooper.com/XXXX XXXX as well as we also qualify for XXXX XXXX  LTV, but still they have not cancelled the PMI. 
When contacted their support agent why not. 

They said XXXX XXXX LTV has to be based on current property value not the original property value so they ( mr. cooper ) must do appraisal and we should pay them {$750.00} for them to do appraisal. 

No where in the contract says that for the PMI to be automatically cancelled it is based on current property value. 

Also they said our investor XXXX XXXX requires it based on the Current property value and they sent me this artcile. XXXX XXXX XXXX no where in the articles say that it needs to be current property value. 

I reached out to their customer support and they said I should email XXXX asking for proof. 

it's been XXXX days and Mr. Cooper has not replied with proof that they have to do appraisal on our dime of {$750.00} to cancel the PMI. 

And I am filling this complain because they are just trying to get more money out of us.
Product: Credit reporting or other personal consumer reports

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/2019 I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf. 
In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX  demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.