23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have an escrow account for taxes and insurance. Our loan was sold to Mr. Cooper on XX/XX/XXXX. XXXX XXXX XXXX  XXXX ( XXXX ) sent the renewal notice for our wildfire insurance to our old mortgage company. XXXX canceled our wire insurance for non-payment. I contacted the California Department of Insurance and got XXXX to reinstate our old policy. I indicated to them that Mr. Cooper has an escrow account for this cost. While this was going on, I was keeping Mr. Cooper updated through their internal messaging system. They knew that we had XXXX different insurance carriers. Mr. Cooper actually sent a request to XXXX for the renewal notice, because XXXX sent us a notice saying as much. In XXXX of XXXX ( while all of this was happening ), Mr. Cooper did an incorrect escrow analysis. They sent us a check for approximately {$2000.00}. I asked them why they sent us a refund and they sent me a message that stated that the escrow analysis they did was wrong. I have emailed them but they said they have 30 days to get back to me. I have been trying to call Mr. Cooper to get them to pay the wildfire insurance renewal and request to speak with an agent but the auto-phone system just keeps hanging up on me.
Product: Credit reporting or other personal consumer reports

Refiling complaint because company said I did not send all of the account details information to identify the information I am disputing on my report. I have emailed this information to them repeatedly as well as faxed it, without any response. I will not post personal information here, as it states this information is displayed publicly. This company knowingly and willfully reported old, innacurate and false information that caused substancial harm in the form of lost employment. I was not allowed to dispute the information or the accuracy of the report before the offer letter for employment was rescinded. Further, I have not received the required legal notifications such as a preadverse action or adverse action notice and I have requested it several times. I have submitted proof of the false information more than 5 times and have tried contacting the company numerous times. They disconnect phone calls and don't respond to questions that are emailed regarding getting a new report with the incorrect information removed. This company has a vast history of false and innacurate reporting and in my research they have lost numerous court proceedings regarding the reporting of innacurate or false information including at least one class action lawsuit, yet they do not appear to have refined their business processes despite the continuous harm being caused to thousands of Americans. I believe this company has acted in such bad faith, even after legal repute, to so many consumers, they have proved they can not be trusted to reliably and responsibly report information and as such, they should NOT be allowed to gather, review, report or otherwise access anyone 's personal information or provide any information to any company in any capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.
Product: Debt collection

XXXX XXXX  Balance {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/year>XXXX XXXX XXXX XXXX Balance {$110.00} Account number XXXX Open/closed Closed Date opened XX/XX/year> i have notice there are two social security on my credit profile and mines end with XXXX
Product: Credit card

On XX/XX/XXXX I had my roof replaced through XXXX . XXXX and it was financed through Wells Fargo Home Projects. My account was in good standing when Covid-19 happened, but I was still able to continue making my payments on time after being XXXX XXXX from my job through unemployment I was receiving. However, the Unemployment agency then abruptly stopped payments to many people saying the money should not have been paid but later the decision was reversed by the governor of Michigan. I called Wells Fargo to inform them when the payments were about to stop and asked if they had a program to defer payments because of the Covid-19 pandemic whilst the above mentioned unemployment situation was unfolding and other creditors were allowing payments to stop for 3-6 months, I was informed by an agent of Wells Fargo that they weren't offering a deferred payment plan and the account would have to be closed immediately if the payments couldn't continue, which I really didn't want to close it because it was a revolving account where I could use the card again for other home projects, but was asked how much I could afford to pay and a payment plan was formed via letter to me dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for an Auto Loan at XXXX  and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. Wells Fargo Dealer services 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls. 

I kindly request for your help on the same.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Ive disputed this item with the credit reporting agency, and theyve claimed you confirmed the account as valid. Let me be clear : I have no recollection of any relationship with this collection agency or the original creditor. The account has numerous inaccuracies, blatantly violating FCRA and FDCPA laws. 

To sort this out, Im demanding concrete proof of this debt. Specifically, you must provide the alleged contract or any document with my signature, along with proof of your authority to handle this matter. If you cant provide this proof, you must fix any erroneous reports linking this debt to me immediately. 
I require the following information without delay : Proof of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Your legal authority for collecting this information. 
Your legal authority for collecting this alleged debt. 
Proof of your authorization to do business or operate in this state. 
Proof of the alleged debt, including any document with my signature. 
A full account history, including all charges added for collection activity. 
Respond immediately. 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

To whom it may concern : On XXXX XXXX XXXX I was served with divorce papers from my wife of XXXX years. By the end of the month I was forced to move out of the house at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Although I did not live in the home, I continued to pay the mortgage to Chase Mortgage on-time every month. I paid the monthly mortgage, faithfully and on-time since we moved in on XXXX XXXX, XXXX. 
My divorce trial commenced on XXXX XXXX XXXX. On the day, it was apparent the judge was going to award her the home at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Without regard to whether my ex-wife, XXXX XXXX, could qualify to assume the mortgage and continue mortgage payments, the judge XXXX XXXX, awarded her the house. The final divorce decree was signed on XXXX XXXX, XXXX. I also signed and executed a Special Warranty Deed of Trust stating that she was to pay the note. 
XXXX failed to pay the mortgage on time. Instead, only after threats of foreclosure, she made random payments prior to completing the sale of the home. Her lack of responsibility in paying the mortgage on time has resulted in Chase reporting late payments on my credit history to the XXXX credit bureaus. Thus, severely damaging my credit score. When I spoke with Chase Mortgage several times by phone there was no consideration given by Chase to the fact that I was a responsible, loyal customer for several years and always paid my mortgage on time. Chase refused to amend their reports of late payment and refuse help me improve my credit. 
XXXX subsequently sold the house on XXXX XXXX, XXXX. I have also provided a record of the payment history over the last year of the loan. As you will see, the payments where up-to-date until XXXX after XXXX had taken lawful possession of the house and responsibility of the note. 
In addition to this letter, I have attached the pages in the divorce decree that pertain to XXXX being awarded the house and her responsibility to pay the mortgage, the Special Warranty Deed of Trust that also explains that XXXX is responsible for the mortgage payments and the record of all payments made in XXXX demonstrating that I paid the mortgage on time up to the date that she was awarded the house and supposed to make payments. 
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
Sincerely yours, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
Product: Credit card

On XX/XX/2023 a transaction of the amount of {$1100.00} was charged in my Chase Credit Card account. 
After investigation, I come to find out that the charge came from XXXX. an Online Cellular company service with whom I also have service with. 
I reached out to the company to understand the charge, and I then found out that a new line was created in XXXX and that a new phone was also purchased. 
I Informed XXXX  that I never placed the order and that this is not mine and demanding refund of the money. XXXX refused stating that i received the device that was ordered and shipped to my address. 

I contacted my credit card company : Chase and opened a dispute.

Chase issued a temporary credit then reversed the credit 2 weeks later with no valid reason of why they reverse the charge. 

I reported a fraud since I never ordered the device, I never received a device, and I never have an account with on that specific order. Visible also confirmed that they closed the order and account as soon as i reported fraud to them. 
It seems that chase never investigate the claim not attempted to go thru the report to get the true understanding of the matter.

I am demanding a refund of the charge, {$1100.00}, on the basis, that I never processed this purchase which I reported as a fraud to both companies. 

Chased also acknowledged the fraud and issue a new card but never work on addressing the case as it should. 
Regards,
Product: Money transfer, virtual currency, or money service

I am waiting for formally express. My concerns regarding Zells handling 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 Fail to investigate my claims. They informed me that recovering loss funds was impossible and tracking these transaction was feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent letters to XXXX, Experian XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card

On XX/XX/XXXX, I requested CASH back from my rewards feature on my Capital One Rewards Card account using the Capital One smart phone APP. On the APP I selected my account and clicked on View Account. That brought me to the next page of multiple choices ( Get gift cards, book a trip, transfer rewards, cover travel purchases, redeem for experiences, redeem with XXXX, shop with XXXX or REDEEM FOR CASH ), I selected REDEEM FOR CASH. This brought me to the third and final page that listed my reward miles balance, my account number, the amount of cash I am requesting and Slide to Redeem feature. At the top of the page it clearly states " Redeem for cash ''. I entered the full amount I wanted which was {$4700.00}. The next page I was informed that my account has been credited {$4700.00}. I have a third party pay my credit card bill monthly. Capital one stole {$4700.00} from me. I immediately called Capital One and requested a reversal of the points and a check instead. The representative I spoke with gave me an escalation number ( XXXX XXXX XXXX XXXX XXXX ) and was told the reversal will take 10 to 12 days. I did not get my reversal and called back on XX/XX/XXXX and spoke with XXXX and I requested a supervisor. I was connected to a person named XXXX and was told that the Rewards department is backlogged and the reversal could take 30 days. It took Capital One bank 10 seconds to steal my money but they are slow to return it. This is fraud by using a deceptive APP. I would bet I am not the only victim. Capital One Bank did this to me last year on XX/XX/XXXX.
Product: Debt collection

I keep getting calls from this number XXXX asking for XXXX XXXX. There is usually a real agent on the phone and i have told them on at leas XXXX occasions to take me off their call list because this is my work cell phone. I continue to get these calls without fail everyday at XXXX. 
I have also received automated collection calls from other numbers from different area codes for this person ( at different times in the day ) which mention that this person ( XXXX ) is being collected on for unpaid debt. For some reason they have my work cell.
Product: Vehicle loan or lease

On XXXX XXXX XXXX  I reached out to Chase Auto Finance 's Military Specialist to apply for SCRA benefits as I am needing an early lease termination due to my husband and I being stationed overseas in XXXX, XXXX per his military orders until XXXX. ( We are leaving for XXXX on XXXX XXXX XXXX  ). I provided Chase Auto Finance with his military orders which included clearance for me to travel to XXXX with him. I received a letter today XX/XX/XXXX postdated for XX/XX/XXXX in which Chase Auto Finance denied SCRA benefits including early lease termination because my husband is not the primary account holder and we do not reside in a community property state. I phoned Chase Auto Finance to discuss issue and they were unable to help. Their only offer was to go through the civilian early lease termination process which is going to result in about {$6000.00} out-of-pocket expense for my husband and I. Despite discussing the issue with several customer service agents and military specialist agents they were unable to help any further, despite Chase touting it's support of military service members and their families. 

I have always made my payments on-time and in full. I am currently not employed due to being stationed overseas with my spouse and this proves a financial hardship for us. As a military family we face a number of challenges, having issues with our auto leasing company due to being stationed outside the US should be the least of our worries.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. 

I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from XXXX and TransUnion show a significant negative hit to my XXXXredit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust.

The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. 
I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. 

I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. 
A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.