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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I purchased a XXXX Manufactured home at the end of XXXX. It was financed by the only company that would finance a home before it was built. The interest was high at 6 % and payments were really not what we expected. {$1500.00} a month. We were thinking just to get through until we could do a refinance with someone else. They already had {$35000.00} down, ask for another {$10000.00}. We had an exhaustive full year of not being accepted for refinance. We hung on as long as we could. This was during Covid. Prices were incredibly high. We did not foresee this. XXXX was 1st to attempt the refi, then XXXX, then XXXX. All shot down for various reasons. Would go into detail later if need to. We borrowed money from a sister to see us to end of XXXX. Had to finally file XXXX XXXX bankruptcy with XXXX XXXX office. My husband was not doing well. Impact was too much. My husband died XX/XX/XXXX. 21st mortgage had been sending letters, 8, of them. 4 certified. they are non-monetary notices of default. their intent is to foreclose unless I sign an reaffirmation agreement with them. 21st gave me 3 choices. Pay the full amount, walk away vacate the property or sign the reaffirmation. I had been advised not to by my bankruptcy attorney. My husband had even ask 21st about loan modification or assistance and they were matter of fact rude and said nothing was available for us. I am at a complete loss. I do not want to leave this home. I would like to stay and find a solution acceptable that will not jeopardize me in the future. I want to pay my mortgage, just need to extend the years? lower the payments? decrease the interest/ something. Please help me. Thank you!! XXXX XXXX
Product: Mortgage

When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.
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 : XXXX XXXX XXXX #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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 card or prepaid card

I have been a chase customer for over 10 years. I had 2 credit cards with chase, a Slate card that I had for 10 years and a Sapphire card that I recently received in XX/XX/2018. In XX/XX/2018 I submitted multiple applications for chase cards that I took interest in to help built my credit score and profile. At the time I only had my Chase Slate account reporting on my credit. Shortly after that I found out that Chase cancelled both of my account and when speaking to a representative of chase they told me they cancelled them due to me applying for multiple applications and due to they noticed an increase in spending on my account. I was confused by that comment because my Chase Slate card was paid off and for my Sapphire card I was only spending 17 percent on my credit limit. I found out my Sapphire card was closed when I tried to purchase an educational course and was declined. I really Love chase and I was very happy to be a customer of theirs. I was very sad to see that my accounts were close after 10 years. And due to that my credit profile has really taken a hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.
Product: Mortgage

Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. <P/><P/>address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NCB MANAGEMENT SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX. )
Product: Debt collection

First Progress Credit card company is reporting late " Payments '' on my credit report. This is a violation of my consumer rights as I did not give XXXX, XXXX, or XXXX written consent to report these derogatory markings on my report. According to 15 USC 78m ( q ) ( 1 ) ( C ) the term " payment '' is defined as C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ;. How then can these alleged " late payments '' be reported on my credit and consumer report, when the definition of " payment is not applicable to the cause. This can not be so! 

According to HJR 192 PL 73-10, " The American debt is XXXX dollar for dollar '' Due to the fiat currency being null & void because it is no longer backed buy Gold or silver. Therefore, I am demanding that these derogatory infractions fictiously described as late payments be removed from my credit and consumer report immediately. 

These derogatoriness are reported to account ending in XXXX XXXX, XXXX and on account ending in XXXX on XXXX, XX/XX/22 As this is defamation to my credit history and oppressing me financial, hindering me from approval with other lenders. 

This is a violation of my consumer rights and I hereby exercise them in accordance to TITLE 15.
Product: Mortgage

Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX   vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? )
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on XX/XX/XXXX they received it on XX/XX/XXXX the dispute is for inaccurate reporting by XXXX XXXXXXXX XXXX I ask them to verify the information for accuracy, There are 2 years of charge off listed for all 12 months in XXXX and XXXX. This is inaccurate reporting, I never received a 1099. I received a update via email from Experian stating that this account has not been changed and will remain on your report. This can only be charged off only 1 time
Product: Credit card or prepaid card

Dear Self.Inc, I am writing to bring to your attention a serious issue that I have been experiencing with the processing of my credit card payments through your online platform named Self. As a loyal customer of your credit card service, I have noticed that payments made through this platform are not being processed properly, often taking more than 7 business days, and when they are finally processed, the credit is not being applied to my account. 

This delay in processing and failure to apply credit is causing significant inconvenience and distress. I rely on prompt payment processing and accurate accounting to manage my finances and maintain a good credit score. It is extremely frustrating to see that my payments are not being processed as they should be, and even more so that credit is not being applied to my account. 

I understand that issues can occur from time to time, but this problem has been happening consistently, and it seems to be a serious problem with your payment processing system. These bad practices can result in the accrual of late payment fees, interest charges, and other penalties that can be financially damaging to me and other customers. 

I urge you to take prompt action to address this issue and restore your customers ' confidence in your payment processing system. Please review your payment processing procedures and make the necessary improvements to ensure that payments are processed correctly and that credits are applied accurately and promptly. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX  Account nameXXXX  Account # XXXX  Account nameXXXX XXXX Account # XXXX Account nameXXXX XXXX Account # XXXX Account nameXXXX XXXX  Account # XXXX ACCOUNT NAME XXXXACCOUNT # XXXX Has violated my rights. 
I looked at my_EXPERIAN______ Credit report onXXXX And notice some things are incomplete and not accurate. According in the fair credit reporting a Whenever a consumer reporting agency prepares a consumer report I shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 I 5 there are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) Of any information disputed by a consumer, An item of that information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( 1 ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( 2 ) Promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681S-2 there are supposed to be not furnish Any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I received a collection notice on XX/XX/XXXX from Southwest Credit Systems. This debt was disputed and validation was requested. 

Southwest Credit Systems did not provide a validation as requested. On XX/XX/XXXX I received notification from XXXX in that a derogatory account had been reported by Southwest Credit Systems which negatively impacted my credit history. 

This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Product: Credit reporting or other personal consumer reports

After the pandemic pause, my student loans were transferred to XXXX. Nelnet/Department of Education is still reporting the accounts to XXXX and XXXX as open. XXXX XXXX is correct
Product: Checking or savings account

I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i have fraudulent activity.
Product: Checking or savings account

One or more than one employee at Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, Florida stole {$1200.00}. From my checking account. On XXXX XXXXXXXX XXXX a deposit error occurred at the ATM machine. I immediately reported the error by calling the phone number on my debit card and was assured by the Wells Fargo representative that my money was safe in the machine. That phone call was recorded, however, Wells Fargo refuse to reference the phone call. 

On XXXX XXXXXXXX XXXX the ATM machine was reconciled. This is where the theft of {$1200.00}. took place. 

On XXXX XXXX, XXXX Wells Fargo credited my {$1200.00}. To my account. I believed the error was rectified and the matter was closed. 

On XXXX XXXXXXXX XXXX  Wells Fargo stole my money for a second time. We were shocked to find our accounts demolished when we tried to buy groceries. My wife who is XXXX took sick in the super market and had to be assisted. I am a XXXX XXXX XXXX XXXX veteran who is being victimized by Wells Fargo. 

Wells Fargo refuse to answer any questions or respond to my complaint. Criminals are working and being protected by branch management
Product: Credit card or prepaid card

XX/XX/XXXX I paid XXXX XXXX on my Capital one Signature Visa XXXX for my one beg fee XXXX to bring my luggage safely to my destination XXXX XXXX  on XX/XX/XXXX. While my luggage have delivered to me on XX/XX/XXXX. When I checked my luggage it's damaged and missing my laptop and it's electrical cord. I have reported same day to XXXX XXXX to their XXXX number but they have never shown me where to file for my claim.
Product: Debt collection

No contract or knowledge of a DRS company. No clue to where this debt comes from or why its attached to my name or credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : This is in regard to the Equifax Security Breach. I used the impact to my credit feature on their website in order to determine whether I was impacted by the recent security breach.
The results came back as follows : ************************************************************************************************ Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX.
Enroll For more information visit the FAQ page.
******************************************************************************************** My credit is frozen with all three credit agencies. I called Equifax twice ( at XXXX -- their dedicated breach customer service line ). The first time, I was disconnected after a long hold. The second time, I gave up after a long hold.
If my credit was frozen, why do they believe my personal information may have been impacted? According to conventional wisdom, everyone is trying to freeze their credit, but according to Equifax ' assessment of my information from my 'frozen ' credit, freezing your credit will not make you any safer. My intent in contacting them was to confirm my information was impacted ( their wording using the work 'may ' leaves it ambiguous ). And, to learn why they believe it was impacted if my credit was frozen.
Product: Credit card

To whom it may concern : I have had my XXXX XXXX XXXX card for a very long time and I was always very happy with it up until recently. I had emergency repairs in my house I had a leak and I live in a XXXX XXXX house and it was structural emergency that had to be fixed right away. I called XXXX XXXX to explain the circumstances and let them know I would be a few days late with my Minimum payment because of the emergency. Instead of working with me they cut my limit under my current balance and took of my pay over time feature away raising my APR up to 27.49 %. 
I have called and talked to several Mgr 's at XXXX XXXX XXXX most of the calls were out sourced to a different country which I went in circles trying to get something simple resolved. 
I had no other choice but to file a compliant with the XXXX and it still was not resolved after they mailed a letter to Corporate XXXX XXXX but nothing. 
I am quite aware that there is a Credit Card Accountability Responsibility and Disclosure Act of 2009 law that requires the card Issuers ( XXXX XXXX ) to provide written notice to consumers ( XXXX XXXX ) at least 45 days before the effective date of an increase in an APR or any other " significant change '' The 45 day advance notice rule is designed to provide consumers with sufficient time to respond to a change in terms notice which I got in 1 day notice by email that 's not fair. I paid my minimum balance of {$4800.00} and they emailed me for another {$13000.00} 2 weeks latter. I think my minimum payment was a few days late and I am current now but no one at all with work with me. I just want my terms put back the way it was before so I continue my good history with XXXX XXXX. Please let me know if you can help me resolve this they are not working with me even knowing they broke the law. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX