23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

chase charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it adandn XXXX  as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no 1099 was sent to me
Product: Credit reporting or other personal consumer reports

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are fully open not after dealing with a pandemic. There is no excuse for them not to respond to the letters i have sent. This letter i have attached is 1 of many. I've asked them to respond to me. it's been well over 30 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame and the have certainly exceeded that time Frame
Product: Mortgage

We ended our forbearance with Mr. Cooper ( Nationstar ) in XX/XX/XXXX. As of yet we can not get them to provide updated statements with payment & date due, have not sent us any information by mail or to our Mr. Cooper online account. They took {$990.00} from us when I called them on XX/XX/XXXX to see what was happening and they said that amount was due by XX/XX/XXXX which was only 3 days later and NO ONE had contacted us stating that amount was due and by XX/XX/XXXX. Had I not called to try to get an update we would have missed it. Just tried to get more info over the phone yesterday ( XX/XX/XXXX ) and the woman totally gave me the run around, could not answer any of my questions, sent me something by email I could not even open. I'm scared they are trying to set us up to take our home- this company is notorious for being shady! They shouldn't be allowed to be in business. They stole {$400.00} from us a few years back and I simply do not trust them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that XXXX, XXXX and Equifax permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did an investigation on XXXX. In a previous request, I disputed the fact that the payment status listed was not correct. I requested to have incorrect payment status/delinquency deleted from this account. During the reinvestigation, some of the delinquency was removed but not all due to incorrect information. This is a violation of my credit rights. If there is any delinquent incorrect information, it should all be removed. For example they removed late pay delinquency status from XX/XX/2020 ; however Experian left XXXX, XXXX, and XXXX at 90, 120, and 150 days. How can this be done? Once there is at least one inconsistency all the late pay delinquency status must be removed. How can you just say the customer is 90, 120, and 150? Its incomplete. You cant go from not reporting at all to 90, 120, 150. This is incomplete and is in violation with the rights of the consumer. Please remove the remaining late pay delinquency from this account.
Product: Mortgage

The property tax bill of {$8500.00} was due on XX/XX/XXXX but payment of {$8900.00} was not received by the town until XX/XX/XXXX after multiple calls and emails. This payment included {$340.00} in late payment fees which should be due to the mortgage servicer but instead, was deducted from our escrow account. Multiple emails with documentation were sent to the servicer and we have received almost weekly letters saying " due to the complex nature of the matter, Shellpoint requires additional time ''.
Product: Debt collection

I have carefully reviewed my credit report and noticed inaccurate personal information that must be immediately investigated. The inaccurate information such as addresses, phone numbers and some accounts that are not mine. These fraudulent do not show my true credit history and these items should not be on my report. Several name variations have been used that is identity theft. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items before debt validation constitutes collection activity. I am also requesting my name, address, telephone number and updated and remove any other names, addresses and telephone numbers that does not belong to me. 
The following accounts in dispute are listed below : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I've been working on this for a long time now and I need this resolved below I've attached documents for review. Please remove these accounts from my credit profile. Transunion told me they resolved this issue and it was never resolved.
Product: Mortgage

In XXXX XXXX, XXXX XXXX, took out a mortgage loan in the name of XXXX XXXX and purchased another property which was put into XXXX XXXX 's name and XXXX perpetrated fraud of which she was convicted and sentenced to prison for Identity theft. The lender at the time was XXXX XXXX XXXX XXXX. XXXX XXXX had kept paying her regular mortgage thinking that it would soon be paid off, but then started to receive notices that her home was in foreclosure, but it was not her primary residence. The property was XXXX XXXX, XXXX XXXX, NJ. She found out that this fraud had taken place, when XXXX XXXX started to send notices that that home was in foreclosure and notified the police, who arrested XXXX XXXX and found the documents attached. Many of which where unsigned. XXXX XXXX forged XXXX XXXX signatures. XXXX took out a brand new mortgage and used those funds to purchase XXXX XXXX, XXXX XXXX, NJ property. XXXX used XXXX ' social security number. XXXX stopped paying on this mortgage in XXXX XXXX and feels that she should not be responsible for this fraudulent mortgage. This mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Bayview. XXXX is an XXXX XXXX XXXX widow and needs assistance with this fraudulent mortgage. Her home should have been paid off free and clear by now, instead she is facing foreclosure due to this fraudulent mortgage taken on XXXX XXXX XXXX, XXXX, NJ.
Product: Credit card or prepaid card

Dear Gemini Credit Card Dispute Department, I am writing to dispute charges totaling $ XXXX from XXXX XXXX XXXX I booked a 4-night stay from XX/XX/2023 to XX/XX/2023. When I arrived, I found the hotel under construction with no air conditioning or amenities. My stay was highly unsatisfactory. 

I brought this to the hotel 's attention and asked for a discount, but they refused and charged me the full price despite my only staying 2 nights. I first disputed the charges for the unused nights, providing photos and a written explanation, but Gemini denied my dispute. I appealed again and provided more evidence of the hotel 's unacceptable condition, but the dispute was rejected again. 

The charges are fraudulent because I did not receive the hotel services I paid for during my stay. The hotel was simply not operable with no XXXX and amenities under construction. As evidence, I have attached : Copy of original reservation booking and receipt showing XXXX nights Photographs showing construction and lack of amenities Written complaint submitted to hotel management An invoice showing full charges for 4 nights after staying only 2 nights XXXX XXXX XXXX did not deliver the experience promised when I booked. Despite not receiving the services I paid for, they refused to discount my stay. I should not be held responsible for paying full price on an incomplete stay. Please thoroughly review the evidence and reconsider my dispute. The charges are illegitimate and should be removed from my account. 

Thank you for your time. I look forward to your prompt response on this matter. 

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

My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to XXXX, XXXX, and Equifax along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.
Product: Debt collection

XXXX XXXX  is telling me that I have a pending civil lawsuit with Wells Fargo on a past balance due. 
This account never existed. I never received any communication. This account is not on my credit report. 
They keep threatening me with having to go to court. I asked them to show me proof and they refuse.
Product: Consumer Loan

I requested a increase on my {$250.00} line of credit with Khol 's several times, however, I have never received a reason for denial letter.
Product: Debt collection

They will not stop calling even after I ask them every time they call. I do not want to talk to them. They are going by Diversified Services. They get aggressive and tell me that they are not going to stop. I have to hang up on them as they just keep hounding me.
Product: Mortgage

In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was going over my Experian credit report and noticed three different accounts for XXXX XXXX XXXX. Two listed under XXXX XXXX XXXX for {$1000.00} each and once for XXXX XXXX XXXX for {$1700.00}, making this debt appear on my credit report at total of three times for a total amount of {$3800.00}. This is a clear violation of the Fair Credit Reporting act and needs to be remedied immediately. I contacted Experian dispute on XX/XX/2018 and was notified on XX/XX/2018 and there was no change on my credit report. I had no problem with XXXX and XXXX fixing this issue, just Experian. 




XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX XXXX XXXX XXXX XXXX # XXXX. Genesis Bank Card Services was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, GA XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX  XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is CB Indigo taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX XXXX  XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX  to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.
Product: Mortgage

On XX/XX/2018 Chase Bank Was Served Documents By Certified Mail through The USPS. The Documentation That was Submitted To Them Along With A Recent Submission Of More Documentation By PDF through The CFPB System Containes More Then Enough Proof That Their Attempt At A Foreclosure On My Home Is Illegal And A Criminal Offense Of Grand Larceny. This Attempted Theft Of My Home Is In Violation FDCPA 15 US CODE 1692 SENTENCES 1 AND 4, AND CHASE BANK ALSO IS IN NON COMPLIANCE WITH SECTION 809 VALIDATION OF DEBTS AS THEY HAVE NOT VALIDATED THEIR DEBT ATTACHED TO MY HOME.. BECAUSE THEY CANT. I SUBMITTED THE IDENTITY THEFT FORGERY QUESTIONNAIRE WITH SUPPORTING DOCUMENTATION FROM LAW ENFORCEMENT AND CONTACT INFORMATION FOR THE DETECTIVES IN THE COMMERCIAL CRIMES DIVISION OF THE XXXXPD AND CHASE BANK HAS ILLEGALLY REFUSED TO ACKNOWLEDGE THE FINDINGS OF THE INVESTIGATION! CHASE BANK IS ENGAGING IN CRIMINAL NEFARIOUS ACTIVITIES IN MY CASE. THIS CASE WARRENTS REVIEW BY THE CFPB REGULATORS AS THERE ARE OBVIOUS NONCOMPLIANCE ISSUES IN MY CASE AS WELL AS CRIMINAL BEHAVIOR EXHIBITED BY CHASE BANK OFFICIALS. ENFORCEMENT IS IN ORDER AS IT IS OBVIOUS CHASE BANK HAS NO REGARD FOR THE LAW OR REGULATIONS THAT ARE SUPPOSED TO PREVENT DECEPTIVE CRIMINAL ACTIVITIES BY LENDING INSTITUTIONS AND BANKS.
Product: Bank account or service

Bank of america is referring me to XXXX and I never had an account with them
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX CARD which was an account that was never approved of.
Product: Student loan

I'm trying to certify my last 5 payments with MOHELA, for public student loan forgiveness with my employer, XXXX XXXX XXXX XXXX XXXX. I submitted my PSLF form on XX/XX/XXXXXXXX  to MOHELA. MOHELA said it can take up to 60 business days to review, I called to check on the status today XX/XX/XXXX, they said can't accept my PSLF form as it stands right now because of digital signatures and they needed " Wet signatures '' the HR Specialist did not sign it correctly apparently? I re-sent the same form with wet signatures from myself, and the US Dept of state 's HR specialist 's wet signature as well, on XX/XX/XXXX. MOHELA said on the phone my XX/XX/XXXXXXXX  PSLF form is still processing, and may have to wait another 60 days to process, even though I uploaded the corrected one promptly, and corrected the form on XX/XX/XXXXXXXX  It's really frustrating when they can't just use the corrected form since its not completed yet. I asked to speak to a supervisor, and the phone operator said they can't transfer me, I asked again and she put me on hold. The operator came back and said the supervisor refused to take the call. Ever since my loans transferred from my XXXX XXXXXXXX to MOHELA, its been a disaster!! I would have never know my PSLF form had deficiencies if I wouldn't have called on XX/XX/XXXXXXXX MOHELA is not helpful when you call, they still have yet to place me on forbearance when I requested this over a week ago. 

Thank you, XXXX XXXX XXXX