23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent several letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Included with every single inquiry letter was my social security card and Drivers XXXX for Identity Validation purposes. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and asked that they send to me the'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. As of date, I have yet to receive 'Validation Method ' used to certify accurate information. Experian also mentions in their responses to my inquiry that they will not Re-investigate this request. Why not? This is my right to request a validation for an item on my credit report that has caused me to be denied a mortgage. If Experian has not sent me proof of their 'Certified ' validated outcome, I have the right to keep on asking for method of validation used to support their outcome. 

I took it upon myself to contact XXXX XXXX and find out the method that Experian used to validate my inquiry. Since my consumer report is frozen, I was told by both a supervisor and manager at XXXX XXXX that it was impossible for Experian to verify such information due to my consumer report being frozen and I have opted out to suppress any of my public records for my own identity purpose. 

My Consumer Report with XXXX is frozen and has been for quite some time for so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!
Product: Mortgage

Bank of America processed a  Loan Modificatio n in   XXXX   XXXX     with my ex husband  ( borrow er ) without notification to myself or my signature. There is no divorce decree or property division giving my ex husband sole decision making on the loan, yet BoA allowed for only him to be the decision maker on the loan mod. BoA processed the loan with only ex husband signature, stating him as " Borrower, '' but not myself. I attempted to have BoA remove me from the loan obligation as it was processed as fraud, and was declined. I am filing this complaint because of fraudulent financial practices to process the loan modification. It is a fraudulent practice to process loan mods quickly and not seeking the signature of all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my account, please remove it.
Product: Mortgage

The Escrow Account Disclosure Statement I received from Pennymac dated XX/XX/2020 states that my total payments from Escrow are {$3300.00}. The minimum required balance is stated as {$490.00}. This should only be " no greater than 1/6 of the estimated total annual payments from the account. '' I am being overcharged by {$310.00}. The correct amount is {$170.00}. 
I am worried that this company is taking advantage of millions of consumers during this dreadful time by collecting and using this money interest free. Please investigate.
Product: Student loan

I am receiving harassing phone calls that are robo dialed from XXXX XXXX  to XXXX Sunday-Saturdays. I've asked them to communicate with me via email and post mail, and yet they continue to call me. They use very intimidating bullying voice tones and refuse to talk about the fact that they're harassing me. Some callers have said that they would remove me from the calls, and yet Navient people continue to call. I am a retired XXXX on a fixed income. The harassing, the polite bullying, and obscene pressure must stop!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, letters were sent exercising my right as a consumer and requesting that Transunion provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my TransUnion credit report. 

1. XXXX XXXX XXXX Acct # XXXX Amount of {$33000.00} 2. XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called each credit bureau and they still have wrong addresses and names
Product: Mortgage

I filed a bankruptcy in 2016 that was discharged in XXXX 2016. at the time my loan was serviced by XXXX. I have never reaffirmed the debt. My loan was transferred to Freedom Mortgage XXXX 2016. Freedom Mortgage is reporting the mortgage as a current debt on my credit report. Since the mortgage was discharged and I am no longer responsible for the debt it should not be reported on any of the credit bureaus. I tried to resolve this with the credit bureaus directly and they said they could not remove anything since Freedom Mortgage is the company responsible for reporting to the bureaus. This is a violation of Bankruptcy Law.
Product: Credit card or prepaid card

Opened a credit card with synchrony bank and they offered {$100.00} cash bonus after spending {$1000.00}. I completed the requirement but never received my bonus. Called several times and did not get a response. This unfair business practice and deceptive advertising
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is reporting INCOME on my consumer report. According to the IRS publication ( ATTACHED ) CHARGE OFF are INCOME. DELETE from my consumer 's report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto Bridgecrest 's system. Bridgecrest says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with Bridgecrest, nor is bridgecrest in my contract. Bridgecrest is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. Bridgecrest was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with bridgecrest therefore I have no account with them. Bridgecrest refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with XXXX  contains no assignments and the consumer claim post is printed with additional endorsements,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the scoring of my credit my credit scores goes down when my balances is being decreased its happening frequently everytime I pay down a credit card or my car note my credit score goes down by XXXX points which I think its observed This is a copy of my Transunion report and the reason why it went down All cause I made a payment toward my car note We found 1 change to your TransUnion here XXXX Credit score XXXX points since XX/XX/2022 Balance Decreased XXXX XXXX XXXX account balance decreased Between XX/XX/2022 and XX/XX/2022, your XXXX XXXX XXXX XXXX account balance decreased by {$600.00} from {$5300.00} to {$4700.00}. 
Good work! It looks like you paid down your balance. Lowering your total debt can have a positive impact on your score. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX and financed with Kia Finance. Fortunately I was able to pay my loan off early. The final payment to Kia Finance was made to them by wire on XX/XX/2022. The wire payment was for more than the pay off by {$1200.00}. 
When paid, I called them and asked when the refund would be issued. They advised it would not be processed for 10 days. That put it to XX/XX/XXXX, which was a holiday, so I waited. No refund, I called again and was told it takes 30 days. Waited no refund. 
I called after 30 days to be told now it takes 45 days. No refund. My last call to Kia Finance was on XX/XX/XXXX, and was told it would take 4 working days. Still no refund. 
It is now XX/XX/XXXX and when I call, I can not even speak with someone their system says they are too busy to call back. The have had my money since XX/XX/XXXX, my contract was paid in full, I received the pinks slip just not my overpayment.
Product: Credit reporting or other personal consumer reports

These 2 Jpmcb chase account is over XXXX XXXX XXXX and there was prior inaccuracies and currently still on credit report and count over XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a credit card account was opened using my name with XXXX XXXX, and accumulated debt was developed totaling over {$10000.00}. I never received any information from the bank, but a Writ of Summons by a collecting agency for a court appearance of XX/XX/XXXX, at the XXXX XXXX XXXX ( Maryland ). 
Identity theft is evident because there were XXXX transactions described by the collection agency in XX/XX/XXXX, in XXXX XXXX, Nevada, while I was in XXXX XXXX  practice as a XXXX  in Maryland. 
I contacted the FTC, the police, the bank, the collection agency. No information on bank statements, which I requested, was provided because the litigation creates a freeze pending trial. 
I would appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves XXXX XXXX XXXXXXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly.

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX   XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant XXXX and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

I had my identity stolen and they applied for a lot of things Have a lot of collections that arent mine and hard inquiries that I never applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX  and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, Equifax, XXXX  and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation. 


XXXX, Equifax and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

XXXX, Equifax and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my equifax credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit
Product: Debt collection

This account is a fraudulent account. It has n't been removed/deleted from my XXXX Credit Report, however, it is still showing up on my XXXX report. I am an ID Theft Victim. I have made every attempt possible to communicate with these people about getting this resolved, and it was n't resolved on my XXXX Report, the other XXXX, XXXX still has it on their end, the amount is for {$230.00}. XXXX, I am not sure if is on there or not. I have access to only XXXX of my credit reports. I also explained to this debt collection agency that I have done everything possible to get this resolved, meaning file a Police Report, etc. The police where I live do not care about stuff like this, and they would n't file any type of report. They just do n't listen!!!!
Product: Credit card

On XX/XX/2023, I called XXXX XXXX to fully paid my XXXX XXXX credit store card and I was quoted the payoff for the amount of {$91.00}. With a surprise that I have been charged after that fee of interest of {$1.00} on XX/XX/2023 and late fee on XX/XX/2023 {$4.00} and on XX/XX/2023 {$1.00} on XX/XX/2023 {$10.00} XXXX {$1.00} XXXX late fee {$22.00} a late fee on XX/XX/2023 for amount of {$35.00} and interest charge on purchase {$1.00} which I did not make any other purchase at all on the XXXX XXXX credit store XXXX XXXX From {$1.00} interest charge purchase now, I owe a total of {$82.00}. This is unfair that I need to pay a balance amount that I didn't use at all. These are charges over charges to my account from interest over interest and fees. 

I need your help with this matter this totally arm robbery to a consumer that pay off the balance on the credit card and was told by a representative that was the total and I paid the amount of {$91.00} on XX/XX/2023. The call needs to be heard since it states all calls are recorded. 

My credit report should not be affective at all for wrong information provided from your staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX   XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home is scheduled for foreclosure XX/XX/XXXX with fraudulent robo signed assignments. 
The loan was allegedly placed in a XXXX XXXX XXXX XXXX XXXX 2018 XXXX. This trust was created for the purpose of foreclosure only. The loan was toxic from conception. I mailed a qualified written request and also ask for proof of claim and neither were responded to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to the adequate customer service and unfair practices, which violate the consumer financial protection act specifically Cash App fail to take a timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and a protected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with Error, resolution requirements under the electronic fraud transfer act and regulation. These actions cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original cre
ditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.