23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00} Date Opened : XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I tried to remove a security freeze via the experian website https : //www.experian.com After inputting the correct information several times including places I've lived, current address, ssn, dob, and pin, I was still unable to life a freeze and was told to mail in my request. Calling them does nothing as every single options just leads to a computer telling you to mail in requests.
Product: Credit reporting or other personal consumer reports

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, these accounts are severely impacting my credit me for helping laying my mom to rest
Product: Credit reporting, credit repair services, or other personal consumer reports

Those accounts were never fully legally investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Vehicle loan or lease

XXXX XXXX sold me a car made me put a down payment on on the vehicle before leaving the lot then turned around and sold my information without my permission consent
Product: Debt collection

I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX XXXX money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of Bank of America Card Services, NA./FIA Card Services , N.A XXXX problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 XXXX XX/XX/XXXX, Bank of American wrote off this bill. Thus leaving a balance of XXXX owed. 3 ) The original bill of sale was from Bank of America to FIA card Services, N.A 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in Delaware, I am not sure if they are legally able to operate in the state of Georgia.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Dear CFPB, I am filing this formal complaint against Hunter Warfield, a debt collection agency, for several violations of my consumer rights as outlined under the following federal consumer protection laws : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield has not provided me with proper validation information as required by law. According to 12 CFR 1006.34 ( b ) ( 5 ), they are obligated to provide validation of the debt before placing a collection on my consumer report. However, they have reported this account to the consumer reporting agencies without providing any such validation to me.

2. Denial of Right to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I was not given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have the right to dispute the validity of this debt, but Hunter Warfield has failed to notify me of this right or provide me with the necessary information to contest the debt before reporting it to the credit bureaus.

3. Use of False, Misleading, and Deceptive Means in Collection Practices : Hunter Warfield is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. Their failure to provide the required disclosures and the immediate placement of the collection on my report is both misleading and a misrepresentation of their legal authority under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unlawful Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield has no authority to furnish information to consumer reporting agencies without providing all required disclosures and allowing me the opportunity to dispute the debt. By failing to comply with the disclosure requirements outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), Hunter Warfield is in clear violation of federal law.

I request an immediate investigation into these violations and that the CFPB take appropriate action against Hunter Warfield for their non-compliance with federal consumer protection laws. Furthermore, I request that this collection account be removed from my consumer report until they provide proper validation and adhere to all legal requirements. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Product: Debt collection

The company called my number today, XXXX XXXX, 2017, through one of their different trunk numbers and did not leave a message. Someone then called my husband 's telephone ( my husband is not listed on any of my bills except household ). They told him that they were not calling in reference to a debt and that it was for another issue. I called back the same number that called us and the woman who answered the phone stated that they " litigate '' for different companies. When I XXXX the company, they are listed as a company that buys debts from payday loans, etc. then tries to collect. 

I spoke to someone from this company some time ago and requested that they present me with documentation from the debt I supposedly owed, to which the girl stated that she had all of my information in front of her and would not provide anything in writing to verify the outstanding debt. She continued to press me to set a payment arrangement, to which I continued to ask for written proof of the debt. 

This is my second report on this company. 

They also would not give an address where written documentation can be sent.
Product: Credit reporting or other personal consumer reports

We were looking for different truck in XXXX XXXX XXXX XXXX XXXX XXXX XXXX in applying for a loan. However we never bought that truck. But they ran a Hard credit inquiry on XX/XX/XXXXXXXX XXXX XXXX 

Then in XX/XX/XXXX was applying for a loan with at XXXXXXXX XXXX XXXX XXXXXXXX for the lowest interest rate. 
6 different HARD CREDIT inquiries which were all on the same day XX/XX/XXXX. We did purchase this truck on XX/XX/XXXX. 

I learned that if HARD inquiries are all within 14 days it shouldn't count as multiple inquiries. Because of these high number of inquiries on our credit report, we have had a large 30 % increase in our home insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to Equifax out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, XXXX XXXX On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish those accounts. 

Company Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!
Product: Debt collection

AES has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, 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 : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Mortgage

I realized that the mortgage payments I made in the last few months on a loan serviced by LoanCare LLC had not been applied to my account when I received a letter from LoanCare LLC saying that my account was delinquent. 

However, I have been making payments in the same manner through electronic transfer via my bank, XXXX XXXX, for many years. 

I have bank statements showing that the monthly payments were withdrawn from my account on the days listed below. Previous statements can also be referenced to demonstrate consistency in the way the payments were sent to LoanCare. 

The statements show payments of {$950.00} on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 A payment was made XX/XX/2020, but a statement is not yet available for this month from my bank. 

XXXX XXXX representatives confirmed that these payments were sent to LoanCare LLC.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit with them XX/XX/year> in the amount of {$2000.00}. with the understanding of paying XXXX back. I have paid XXXX for the month of XXXX and XXXX for the month of XXXX and my balance payoff is still at XXXX i called and spoke with a rep and they told me that it was the interest accurd everyday that I had the loan. I asked was it anything i could do and they said pay more than the minimum which is the XXXX and anything over would go towards the principal which would lower the interest on the next payment. Or pay the loan in full. Not being able to do either one and not knowing how much interest is built up every month it seems i would be paying on this for at least a year or more. I was not told that the interest would be as such but i was told everything was in the agreement. I told the rep if i had known i wouldnt have agreed to get the loan because it would be 5 to 10 times more than what i would borrow. I cant afford to double pay a month and surely cant afford to pay it off. But everyday goes by the interest is still there and constantly driving up what i owe
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.
Product: Credit reporting

this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information.
Product: Vehicle loan or lease

Hyundai Motor Finance has inundated me with robocalls. I have asked several times ( as recorded in their system ) and I was informed they had sent me the itemized statement I asked for. I never received it and then asked them to send it certified so I can be 100 % certain it was sent. The person I spoke to said they would NOT be sending a certified letter as they dont do that. I want to see the debt I ow and they just keep calling as an attempt to collect a debt. The car has been paid in full as documented by my insurance company. The title has been released by Hyundai. Please help me get them to stop this nonsense. Thank you for your time.
Product: Mortgage

I have over the last 4 months been working with my current mortgage company ( see attached ) to refinance my loan to receive lower interest rate and lower my monthly payments due to Covid - 19 pandemic impacts on my needing help so as not to loose my home. I loan was denied and was not fairly explained I have reached out to them on several occasions with no response.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX I noticed two active accounts on my credit report. I immediately knew that a family member had opened credit cards in my name without my knowledge because of the direct access they have to me. I contacted all three credit bureaus immediately to put a security lock on my social. The following month on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were closing my account pending an investigation and that no collection efforts will be active during this process. I responded to the letter as instructed as well the same week. On XX/XX/XXXX a 30 day late was reported on Experian with the other two bureaus to follow. I NEVER received any correspondence that the collection had continued and their investigation was completed. I advised them I am aware of the balance owed and want to pay it in full but reporting late following a fraud investigation is unconstitutional and illegal.
Product: Credit reporting or other personal consumer reports

Account name, XXXX  XXXX Date opened XX/XX/XXXX StatusPaid, Closed. 
Status updated XX/XX/XXXX. This account listed above with the above information is listed on my credit report as delinquent. XXXX XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it in at least two of my credit report specially XXXX and equifax , I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. The following account is Account name XXXX XXXX  Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, same issues and no resolution. I have done several reports spoken to numerous people and nothing my disputes and claims keep getting ignored
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the illegal re-insertion of a fraudulent account on my credit report. This account was previously removed due to identity theft but has now been illegally reinserted in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

I am demanding its immediate and permanent removal. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance/Status : {$2500.00} Violation of Federal Law Illegal Re-Insertion Under FCRA 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert an account that was previously removed without : Certifying the account 's accuracy with the creditor. 

Notifying me in writing within five ( 5 ) business days of the re-insertion. 

Since I never received any notice nor was given the opportunity to dispute this, your actions are illegal and violate my rights under federal law. 

Supporting Evidence : Previous dispute and removal confirmation ( Attached ) Filed an Identity Theft Report ( Police Report or FTC Affidavit Attached ) Fraud Alerts & Credit Freeze Placed
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.