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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Contents of complaint : I am writing to file a formal complaint against XXXX, XXXX XXXX Equifax and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. XXXX. Date of Discovery : XX/XX/XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 

Actions Taken 1. Reporting the Incident : I filed an identity theft report with the Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing.

3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Mortgage

Hello. My name is XXXX XXXX, i and my wife purchased a property in XXXX California on XX/XX/2018 and I have a issue with the initial mortgage servicer/company ( FIRST CENTENNIAL MORTGAGE CORP ) whom i closed the purchased with. Now after one year I recently got a notice that I have a ESCROW SHORTAGE from my current loan servicer ; XXXX XXXX, because they claim my property taxes were not computed properly for the first year after closing the purchase. They claim they were going off an estimate all this while. I dont understand this because all the FINAL SETTLEMENT STATEMENT shows from day one what the property taxes were. AT CLOSING, i paid PRO-RATIONS to the remaining property tax due at that time as the previous owners already paid the first half of the property tax which is split to two payments over a year. i was under the impression that the remaining half was part of my mortgage premium and that i was paying it all this while during this one year after closing. 
The county never increased my taxes it remains the same as when I bought the house XXXX of 2018. All of a sudden they have increased my mortgage significantly. I have attached the ( CLOSING DISCLOSURE AND FINAL SETTLEMENT ). i want to know how FIRST CENTENNIAL MORTGAGE determined the amount of the initial escrow payment, because XXXX XXXX says they dont have anything to do with it because all that was determined at the TIME OF ORIGINATION with FIRST CENTENNIAL MORTGAGE.
Product: Student loan

The reported JPM Chase accounts on my credit reports are a duplicate of another account shown on my reports for another company, XXXX XXXX. Reporting an account or accounts denotes collection efforts. JPM Chase has asked me to even call their Recovery Group. As the purported original creditor who has sold a charge-off or collection account to another lender or agency, JPM Chase technically does not have the right or vested interest to continue to report the negative accounts to the credit bureaus. Both companies are trying to collect from me, and it isn't right.
Product: Debt collection

I'm not sure but the sheriff show up to my mother 's house in a state I haven't lived in for over a year.
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, Experian, and XXXX Credit Bureaus 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 Balance Owed : {$1.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one This said it wouldnt effect my credit and now it has I have worked to hard to get my credit score up plz remove urself ASAP!!! Why would it say it wouldnt effect and then my score drops this is total bull and basically setting Ppl up for failure when Ive worked so hard on building my credit Bk up so that I can but the home Im in for my boys and help them start there credit plz remove that I even asked for this credit card cause I never would have applied if I knew it was going to lower my score!
Product: Checking or savings account

I opened a Wells Fargo checking account on XX/XX/2023. On XX/XX/2023 after going through my banking accounts I noticed that the debit card that was mailed to my home address had been compromised because there were unauthorized fraudulent charges made against my checking account at a time when I did not have access to the debit card. I never received a debit card, retrieved a debit card from my mailbox nor did I ever activate any debit cards using any channel. 

Wells Fargo has failed to provide adequate proof that the debit card used to scam my account was in fact activated by myself. I live in a community housing thousands of people and the debit obviously was stolen at some point. Wells Fargo fraud detection monitor also failed to restrict the card that was not activated by its intended user. I am demanding a refund of the funds stolen from my account totaling {$29.00} The investigation that was completed was not done effectively or efficiently if Wells Fargo can not determine that I did not activate the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.
Product: Student loan

I have been trying for the past couple of days to get an extension on my deferment due to unemployment. Navient is giving me the run around again. I have submitted all documentation they have asked for, and in reply they send emails saying they've answered my request. When I click on the link provided -- it leads to my account, with zero information about the status of my requests. This has been an ongoing issue. Navient 's website isn't set up to accommodate the user, only to ask for payment in various forms. I am unemployed and have been for quite some time. So, it seems rather unhelpful for the lender to have a maze of a website that is designed not to help customers, but, to confuse them. This is my second time with the same complaint, and Navient hasn't done any better in clarifying the process of asking for deferments, or, receiving information therein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres alot of unauthorized inquiries on my  XXXX  credit report from companies i dont recognize ...
Product: Mortgage

Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.
Product: Student loan

I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.
Product: Credit reporting or other personal consumer reports

I signed up with an individual who claimed to fix credit he fraudulently opened accounts to increase credit but left them unpaid and harming my score I attempted to contact them to regain access and remove negative information. I even stated I would paid owed fees in exchange to positive reporting and was refused.
Product: Credit card or prepaid card

My estranged wife listed me as an authorized user on her credit cards with Capital One. She missed three payments ( I had no access to pay the bills ) last summer somehow and I asked to be removed as an authorized user because of this. I was removed as the user and the debt amounts were removed, but the payment history was not removed. When I contacted Capital One, they said they could not speak with me regarding this because I was not a card holder.
Product: Mortgage

This is a short sale. We have a very unique situation on this property. The owner signed a Deed of Trust with a man named XXXX XXXX XXXX, a business partner. However, he thinks she signed a vesting deed giving him 50 % ownership. That is not the case and the title company has confirmed. At XXXX point the seller XXXX gave him authorization to speak to Chase, which has since been revoked. This is relevant as he is currently occupying the property and has sent threating voice mails to the seller stating Chase has given him authority to live in the home through the end of the year on her dime. In the meantime we are trying to submit an offer to Chase for short sale review. The current buyer is cash and understands the title issues and plans to file a quiet title lawsuit against the renter/partner to remove the unsecured Deed of Trust from the property and remove him from the premesis. I have been trying to obtain a soft decline in Equator to upload the new offer since XXXX/XXXX/15. You will see in my notes the numerous attempts to have an offer task sent to us to upload the new offer including management escalations and there is nothing but ignoring our request and non response. I am a short sale facilitator of 8 years and constantly tell my clients the process is not a conspiracy but simply the process. But after the threatening voice mails and then this behavior by Chase, I am starting to think there is truly something going on behind the scenes to prevent our submission of this offer. I just need Chase to do their job and send us an offer task and start review of this cash offer that is the ONLY offer that would take on this title vesting issue! It almost seems like they want this property back. Just at a loss on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA segment 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer about my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On or about XXXX 2021 I entered a loan obligation with Capital One Bank XXXX Capital One loaned me {$39000.00} to purchase a XXXX XXXX XXXX. The terms of the loan were at 8.460 % interest with a monthly note of {$700.00} for XXXX. From initiation, I had made timely monthly payments in accordance with the terms of the loan contract agreement. However, on or about XX/XX/2021, I reached out to Capital One customer service, via telephone, with concerns about my loan account balance and for an explanation as to why my account balance was higher than I calculated the figures to be. Specifically, my billing statement for the XXXX of XX/XX/2021 showed my loan balance as being {$35000.00} but according to my calculations the amount should have been {$33000.00}! The Customer Service representative put me on hold to get me to the right person or a supervisor to speak to but then we were disconnected! At any rate, on or about XX/XX/2021, I forwarded a letter to Capital One advising them that I disputed the Account balance and offered to settle the account balance for {$5000.00}. See attachments. Thereafter, I forwarded Capital One a cashiers check in the amount of {$5000.00} to settle the disputed account balance. XXXX accepted the settlement offer cashed the check that I sent to them. To date of this complaint, Capital One has not released the lien on the XXXX to the vehicle as agreed upon in the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.
Product: Debt collection

debt collection agency claims i owe them money. i want proof of contract from company they claim I owe. i did not enter into any contract with this agency and do not plan on giving them money with out proof of contracts. " ORIGINAL '' Contract document, and contract i have with this collection agency.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX XXXX
Product: Mortgage

HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged {$25.00}. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by XXXX XXXX! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74 ( fixed ), I have been paying on this loan for 20 years, it was over appraised when I got the loan, and they knew it. The balance is XXXX. 
I know that I have a decision to make concerning this property, and I am at a turning point to let them have it. As Consumers we need to be aware who the predators are in this industry, and there are MANY!
Product: Credit card

APPLE CARD CLAIMS I OWE A PAYMENT OR TAXES ON EITHER OF XXXX XXXX XXXX PURCHASED IN XXXX 2023. BOTH LAPTOPS WERE NON-FUNCTIONAL- THE MIGRATION ASSISTANT WAS INOPERABLE. 

FROM MULTIPLE CONVERSATIONS I HAVE HAD WITH GOLDMAN SACHS, THE ISSUE IS NOT A PRODUCT. IT IS A GOLDMAN SACHS BILLING ERROR, THE DATA OF WHICH REMAINS ON ALL XXXX  CREDIT MAJOR CREDIT REPORTS.
Product: Checking or savings account

Good Morning This morning, at approximately XXXXXXXX XXXX XXXX, I spoke on the telephone with XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Escalation Department and I was informed that on or about XX/XX/2020, XXXX, someone from the Bank of America , Escalation Department XXXX named XXXX made a false report and reported me to the XXXX XXXX  division. However, I am also told that I will remain on the XXXX XXXX list. 
It is clear that Bank of America has no legal intentions of investigating this matter, to insure that proper measures and matters were handled professionally. 
I am asking to speak with XXXX XXXX XXXX XXXX directly in order to assure that these orders are coming directly from the CEO of Bank of America.
Product: Mortgage

I am the holder of XXXX XXXX  seeking your assistance in resolving a Mortgage payment error that XXXX has refused, ignored or neglected to correct. As of XX/XX/2021, XXXX indicates that I am one-month ( {$2300.00} ) behind and that I have not paid the XXXX payment ( see attached Lakeview Loan Servicing , LLC Dashboard ). My records indicate that I have never missed a payment ( see attached Payment History as of XX/XX/2021 ). 

I have contacted XXXX multiple times over the past 6 months over the phone and in writing. XXXX representatives, including supervisors, have routinely given me empty promises that they will correct the error. I have also not received any call or written confirmation from XXXX about a final resolution to my complaint despite these efforts. Please see a notice under 12 CFR dated XXXX XX/XX/2021 and the final notice dated XX/XX/2021 that I sent to XXXX to which they have not responded.