23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and XXXX XXXX. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to XXXX, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX {$15000.00} ( Repossession ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX- {$940.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing evidence and documentation to support my claims, XXXX has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and XXXX XXXX must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like XXXX to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.
Product: Credit card

I am writing to your agency because I am very disappointed in the way Discover handled my case. I tried to re open XXXX cases with them : XXXX and XXXX charged by XXXX and XXXX XXXX XXXX. They would not re open it, I understand that I missed a deadline but I called them to explain that I have XXXX XXXX. I am currently in XXXX, It is hard to keep up with my mail. I am dealing with XXXX and XXXX. All this is overwhelming. I ca n't believe they are doing this to me. Where 's the compassion? I am asking your help to please try to re open my case, I was going to respond the letter to Discover when I saw the date was due already, then I called them on XXXX XXXX and they denied my request.
Product: Mortgage

In XXXX, I paid off {$18000.00} on my mortgage which only had around a {$110000.00} balance. In early XX/XX/XXXX, I demanded NewRez do a recast on my loan on a recorded line. During over 40 phone calls, the customer service reps I spoke to pretended they did not know what a recast was except one person I spoke to in XX/XX/XXXX told me NewRez does not do recasts!!!!!! I have my phone bills which clearly shows these phone calls being made. None of the reps ever referred me to the recast department. After writing to XXXX XXXX their CEO, I finally was sent a recast form in mid XX/XX/XXXX but their XXXX program would not let me download the form. After five more phone calls I was finally sent the recast form by regular email in late XX/XX/XXXX. I completed the form ASAP and sent the {$300.00} recast fee which was never discussed with me or the recast form sent to m prior to my writing to their CEO, XXXX XXXX. Now today, XX/XX/XXXX, a XXXX XXXX told me my recast request was rejected because I had not paid off at least 10 % of the loan. THIS IS A VERY BLATANT LIE AND OUTRIGHT FRAUD. 10 % OF THE {$110000.00} BALANCE IS {$11000.00} AND IN XXXX I PAID OFF {$18000.00} WAY OVER 10 %. Anyway I am sending a copy of this complaint to my U.S. member of the House of Representatives, XXXX XXXX, and my two U.S. Senators, XXXX XXXX and XXXX XXXX demanding that the CFPB fine this company for fraud.
Product: Mortgage

Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.
Product: Mortgage

XXXX : XXXX # XXXX & XXXX XXXX 
Wells Fargo Mortgage have been billing us in error during the Chapter XXXX bankruptcy XXXX NO : XXXX. The recurring monthly billing statement ( see attached Statement ) erroneously indicate the account is {$120000.00} in the rear or past due. 
According to the attached Trustee Financial Summary in Case NO : XXXX total of {$80000.00} was paid to Wells Fargo Mortgage which has not been credited to our account. The fraudulently file a Notice of XXXX on or about XX/XX/2016 claiming we owe {$120000.00}. Wells Fargo Mortgage XXXX XXXX XXXX XXXX filed a False Declaration of Compliance in XXXX certified under penalty of perjury to the XXXX XXXX XXXX XXXX to fraudulent initiate Notice of Default and Election To Sell Under Deed of Trust filed on XX/XX/2016 with the XXXX Recorder Trustee Sale # XXXX. 
Wells Fargo Mortgage is also in violation Pursuant to California Homeowner Bill of Rights, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. XXXX. XX/XX/XXXX ) & CFPB rules, effective XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2022, at approximately XXXX XXXX. I spoke with a representative by the name of XXXX. I was having difficulty understanding standing her and I found out from some questioning that this call center was located in XXXX. She requested information from me that she stated did not match her system. I informed her that the e-mail I provided her was correct. She eventually obtained my information and informed me that she would not be able to change my password because I had a new phone with a different phone number. She then told me my request would have to be sent to a " special department ''. I asked her where this special department was located. She told me she was not allowed to disclose that information. I then told her that I was looking at my credit report and seen that Transunion and XXXX XXXX appeared to be the same company. She was hesitant at first to respond but she eventually confirmed that " yes '' they are the same company. I then asked her if the " special department '' she was sending my information to in order to get updated was in fact Transunion. She hesitated again and that stated " yes. '' She also stated that any changes made by either Transunion or XXXX will be immediately changed in her system. I stated the following to her. " Did you say that any changes made by Transunion OR XXXX would be changed. She stated " Yes '' she stated that she was a receiver of the information and that they could not make changes on receive changes from the system. 

I have made some changes with XXXX. These changes were brought to the attention of the Fraud supervisor at XXXX. While on the phone he made changes to my account. However, when I checked the online account, I observed the changes did not show up in the online app. I suspect that this is the case with Transunion. XXXX the representative from Transunion stated that ALL the credit reporting agency send any disputes to the same location. It appears errors are regularly occurring and giving consumer so many problems because the actual information from these Credit Bureaus ( Transunion, XXXX and XXXX ) are not being updated accurately, completely and in a timely manner. As a result, I am now unable to access " my Social Security '' account. I was informed by Social Security that if any information on the credit report is incorrect it could affect my or anybody 's ability to create and get access to THEIR SOCIAL SECURITY account and this creates a big problem for all consumers who encounter errors on their reports. I have been trying to access my social security account for years. It appears that the Credit Bureaus themselves are actually the identities/companies that are creating the inaccurate reports and causing consumers to have so many problems.
Product: Debt collection

My family has been harassed by Appelles debt collection disclosing personal information to family and friends both through message and phone conversation. I have copies of messages left by these harasser 's threatening to sue me on my family member 's voice mail. They also disclose an amount and what it's regarding. They are attempting to tarnish my reputation among my family and friends. I will like your help in stopping this activity. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an unauthorized account showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries to be removed within 4 business days.

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 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 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( b ).

I have requested proof that this information was mailed or delivered 21 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, credit repair services, or other personal consumer reports

XX/XX/2023 submitted a XXXX XXXX police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help
Product: Credit card

I received a presentment from American Express stating that my private property was sold to another corporation. I did not consent to the sales, transfer, or sharing of private information or property with any person or corporation. 

I XXXX, XXXX, am living man and beneficiary holder of all accounts identified with the trust, XXXX XXXX. American Express does not have any beneficial interest in the accounts. 

I accept all title rights interest and equity owed to Principal XXXX XXXX. I am requesting that American Express credit the Principal accounts with the interest due to the accounts and make the account available for use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion need to delete the items that were paid to delete off of my credit report. I sent both XXXX and Transunion a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent XXXX and Transunion the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both Transunion and XXXX need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.
Product: Credit card

A secured credit card was opened in my name with Chime. When I called they told me there was no identity theft and the card was closed. This card was opened with my SSN and my old last name. They will not remove the card from credit report. The address is a Florida address and I don't live in Florida.
Product: Checking or savings account

JP Morgan chase bank holds the proceeds from a flood policy payment as a result of hurricane Harvey. For 4 weeks, I have tried to get money disbursed. Rather than disburse the funds in accordance with their own policy, chase continues to demand additional information ( much of which does not exist or is not required ) as a way to delay paying these funds. I have asked to speak to someone who can review the file, approve payment, and issue the check within XXXX business days. Chase refuses to put me in contact with such a person, and insists that it can't be done. Then, they demand more documentation further delaying the process, while telling me there is no way to move the process forward. For example, after being told payment would be issued by XX/XX/XXXX, I was told several times it was being processed before being told on XX/XX/XXXX that it had been cancelled. Chase then demanded a signed contract ( which does not exist ). I submitted an invoice from the contractor. Chase insisted it had to be signed. I complied with that request and asked to speak with someone who could review it, approve it, and issue the check. Chase refused, and then called the contractor and demanded a copy of his license. GC 's are not licensed in Texas, so chase then asked for the license numbers of any subcontractors. He provided that, and chase responded by demanding a copy of the license, a publicly available document from the state of Texas website. Even though this process has been going on for 4 weeks, and chase has had all information it requested for 4 days, it refuses to place me in contact with someone who can approve the disbursement. My expectation is that chase will demand additional information to continue delaying payment since they refuse to put me in contact with a person who has the authority to approve payment. Feel free to contact XXXX XXXX at chase bank in Georgia, XXXX. She candidly admits she can't resolve my problem, but refuses to transfer me to someone who can.
Product: Credit reporting

XXXX XXXX is reporting that Equifax Credit Bureau reported a hard inquiry from creditor, XXXX, hard inquiry date XXXX XXXX, 2015. I have not applied for anything nor gave written permission to XXXX to have a hard inquiry being reported from them nor Equifax on my credit report. Unauthorized hard inquiry being reported from Equifax and XXXX. Immediate removal of hard inquiry reporting from XXXX and Equifax credit bureau is requested by me as this was an unauthorized nor was a written request made by me and is justified for immediate removal under State of MN credit reporting laws.
Product: Debt collection

I have an account with SOFI Lending and XXXX XXXX XXXX is illegally trying to collect on a debt that is covered by the arbitration clause in my loan agreement. 

In violation of the FDCPA, XXXX has posted the collection account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. Transunion Creditor Name/date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor Name/Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Creditor/date of inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all inaccurate information that is listed on my credit report. none of these accounts belong to me. they do not follow the FCRA rules and are violating my rights. I am a victim of identity theft. please review an remove all listed accounts to help clear my credit report asap.
Product: Checking or savings account

I called Citi Bank on XX/XX/2023 about my direct deposit and they told me that I would not get deposited into the account cause it's in the process of closure and that the acount is blocked from all deposits and auto pay withdrawals well then I called them again on the XXXX of XXXX because my direct deposit still as not went back to my employer yet and I finally got someone there to tell me when it was rejected and all that. They told me that it can't go through it was already rejected from my account and that it will be sent back to my employer and that it takes 2 to 3 days to send back to my employer. IT IS ALL ON RECORDING TOO JUST SO U KNOW EVERY CALL I MADE TO THEM IS RECORDED.Well as of this morning on XX/XX/XXXX I got an alert from Citi bank cause my alerts are still on with them I guess but I got an alert saying there was XXXX dollars in my account now. When they actually blocked my account and I had no access to anything on the Citi mobile app or the website and when they closed my account there was XXXX dollars in there and on the XX/XX/XXXX I got an alert for that amount of XXXX dollars..so that means they deposited my paycheck after they told me twice that it got rejected and that it can't be deposited into my account cause the account has a block on any incoming deposits or pay withdrawals. So now I'm not going to get my paycheck for this pay period cause they tell me that anything that is in my account I have to wait 30 to 60 days for the letter they send out to me to receive my funds in that account and I have bills to pay I have an XXXX XXXX XXXX XXXX  to take care of and all that and they took my money from me and I'm very very upset about this. Please do something ASAP PLEASE PLEASE PLEASE
Product: Mortgage

Loancare was servicing the loan for my property. I refinanced the home back on XX/XX/XXXX of 2020. Loancare was required to refund my escrowed funds of {$960.00} within 30 days. It has now been 3 months since my loan with Loancare was paid off and I still have not received the refund. I have sent a request/complaint through my online Loancare account message system on 5 occasions starting back in XXXX. I have attempted to call them on at least 5 different occasions as well, however, their phone system requires you to enter an account number. When I enter the account number I am not presented with any options that allow you to speak with a representative. I am unable to get them to respond via their message system or phone.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Is reflecting an old collection account that is older than the XXXX years reporting. This collection is older than XXXX years and the collection agency EXPERIAN is still reporting this collection. This collection is to be removed immediately as its reporting past the statutory reporting limits. This collection reported an on record till date of XX/XX/2024 and it has not been removed.