23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

During XXXX I refinanced an auto loan with Penfed Credit Union. During that same year Penfed assigned full coverage with gap insurance to my auto loan that significantly increased my monthly payment. On or about XX/XX/XXXX the refinanced XXXX XXXX XXXX was stolen in New Jersey. I immediately contacted the Insurance company to report the stolen vehicle. I was told to await the claim documents but to continue paying my loan until I am in receipt of the insurance paperwork. To date I have not received any paperwork from the Penfed assigned insurance company to begin the claim process yet Penfed continues to demand payment on the loan. Penfed and their insurance company have exclusive control and possession of the claim documents and no effort has been made to send them to me. As a result Penfed is currently reporting my account as delinquent to the credit bureaus while being aware that the vehicle is stolen and their in house insurance agency is withholding the paperwork necessary to make my insurance claim for the stolen vehicle. my credit is being harmed and Penfed refuses to pause the loan under the foregoing circumstances.
Product: Mortgage

My complaint regards the servicing of a second mortgage held by Nationstar Mortgage. The XXXX Modification of my XXXX Mortgage was amended by the original servicer, XXXX Mortgage, which reduced my 'interest rate cap ' from 5.25 % to 4.75 %. When the XXXX Mortgage was sold to XXXX they used the old rate cap of 5.25 %. I was able to have this matter rectified with your help on XXXX/XXXX/XXXX, Case # XXXX ( Page # XXXX Final Resolution Letter ). My current problem is that the Second Mortgage serviced by Nationstar is using the old rate cap of 5.25 % and not the amended rate of 4.75 %. I have been corresponding with Nationstar since XXXX XXXX and have only received copies of the XXXX modification. In the XXXX modification, it clearly states that the rate cap of the XXXX modification must reflect the rate in the XXXX modification. I have documentation for all of the statements that I have made. Any assistance in this matter would be greatly appreciated.
Product: Mortgage

Foreclosure complaint filed initially and served in XX/XX/XXXX. Mortgagee was Loan Depot LLC and our loan is an FHA loan but also contained additional language stating that mortgagors be given all HUD options and loss mitigation measures available in addition to standard FHA regulations if they default on their mortgage. Foreclosure process was stalled and continued by mortgagee. Mortgagor successfully completed and obtained a coronavirus forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. At that time mortgagor applied to be evaluated for the post Covid forbearance option through the Mortgagees website and it stated that was received as well as her request for regular loss mitigation packet. This was to be mailed to homeowner. It was never received by homeowner. Mortgagor did send out several emails and mortgagee responded by phone and online that her address remained the address of the property and that she lived in the residence. Following a request for information sent to Mortgagor in XX/XX/XXXX loan depot admitted that due to an internal error in their system mortgagor address had been changed to one in another state that never was a residence either or the parties to the mortgagor and named on the title nor anyone they knew or was related to had ever lived at. Loan depot sent a copy of the mail being returned to them as undeliverable and stated they would fix this error and set back the attorney fees and missed payments to XXXX of XXXX instead of where it was as of XX/XX/XXXX when they moved in court for summary judgment. Loan depot incorrectly stated the address that was listed as the mortgagors place of residence when they signed the documents at closing and the address they stated is not the one listed nor an address either mortgagor lived at or had lived at for years ( this was one mortgagors mothers home address ). The mortgagor put in filings that they met their burden of a face to face meeting and other fha requirements by going to and or sending information to the address in Texas despite knowing the mortgagors remained in the home. The mortgagor attached their letter admitting this and the fact that they had these requirements and nothing cited in affidavit of loss mitigation going to an address known to be invalid should count as meeting that obligation. Presently this is scheduled for hearing and judge said it has had a final continuance despite pending representation from XXXX XXXX XXXX XXXX in IL and despite a loan depot foreclosure agent or loss mitigation broker working with mortgagor and mortgagor being compliant and working with HUD counselor. Please investigate this case!! This is insane. No company making FHA loans should be allowed to meet their federal housing authority requirements intended to keep people, who waive all homestead right, from exercising and loss mitigation by sending and stating as much in court filings these efforts to an address in another state and despite being continuously notified and being able to serve the mortgagor properly for court at the property!
Product: Debt collection

Contacted this Debt collection agency in writing with certified mail. Provided them with everything they need to know within the letter that I am a victim of identity thief. Provided the FTC Report with collection agency. Never gave this company consent to furnish anything negative on my consumer report. This information should be off my report immediately! Provided all the documentation on XX/XX/2022.
Product: Checking or savings account

I opened a chime account in XXXX of 2021. I was interested in testing a new type of account. I have a main bank account with XXXX In XXXX my brother sent me {$110.00}. Late XXXX I tried using my chime debit card at a grocery store and was declined repeatedly. I had to use another form of payment and thought this was a fluke. 
I was contacted by chime apologizing for the decline, my card was active and the money was there for me to use. 
Early XXXX I ordered take out for my daughter and I, the card worked whew! 

On the XXXX of XXXX I tried buying groceries again. This time, my card was declined 6 times. The store was packed, I was humiliated. 

I then submitted a transfer of the remaining funds to be sent to my XXXX XXXX  account connected to this chime account ( {$63.00} ). 

After, I called spoke to a representative and kindly asked for my account to be closed. I explained why and asked if the transfer of my funds would be affected? She assured me it would not. The transfer showed as initiated and will still go through. 

Today is XXXX XXXXstill no money. I called repeatedly to try and get this resolved and each time I explain and ask for a manger the phone mysteriously disconnects. I have emailed as well and I response. 

I then went on line an discovered so many complaints against chime where peoples funds have not been returned after calls, emails etc. many owed way more money than me. 

I want my money and consumers need to be protected from chime scammers
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following account are affected : ( XXXX ) CREDITOR : XXXX  LOAN TYPE : PERSONAL LOAN ACCT # : XXXX ( XXXX ) CREDITOR : XXXX CREDIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LOAN ACCT # XXXX ** The account with XXXX XXXX XXXX  is in collection being serviced by XXXX XXXX XXXX I did not receive any written notice as required by 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ). Which states that the consumer is to be notified within 3 business days by mail that my credit was being reviewed. 

Please block and remove the above accounts from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Ive been battling this collection account with XXXX XXXX XXXX because they cant validate the debt. I initiated the dispute on XX/XX/XXXX, uploaded supporting documents, and Equifax claims it was closed. However, I cant access my credit report online or initiate a new dispute, stating its still in progress for the past 30 days. 

Ive inquired about this and the reason behind the closure, but theyve provided no answers. They claim they dont have copies of the uploaded documents and inform me that I launched another dispute on XX/XX/XXXX. I must wait for the investigation to complete, which will add another 30 days to the timeline. 

I clarified that I didnt request them to dispute on my behalf ; I need to upload my evidence myself. However, I encounter an error when attempting to dispute myself online. 

Ive been persistently disputing this account because they cant validate the debt. Despite their responses, the collection agency maintains that the debt is valid. As of today, its been 41 days since I initiated the dispute on XX/XX/XXXX. 

Ive contacted XXXX XXXX and XXXX, and they informed me that when I disputed the account on the same day, XXXX didnt respond within the 30-day timeframe, so they had to delete it. I believe Equifax mistakenly closed the dispute instead of deleting it.

This leaves me with no choice but to launch another dispute, incurring another 30-day wait. During this period, I refinanced my car loan, and this collection account negatively impacted my ability to secure a favorable interest rate. 

Fortunately, XXXX and XXXX XXXX have removed the account from their records. However, I urge Equifax to follow suit, as they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate account on my credit report with the credit bureaus for IXXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX ACCOUNT # XXXX BALANCE DUE : {$2000.00} DATE OPENED : XX/XX/2015 XXXX. Compliance procedures [ 15 U.S.C. 1681e ( B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ; I received my dispute results back from Experian and its still showing inaccurate information for XXXX XXXX XXXX XXXX. Experian is saying that they have correct validated information and that it MEETS REQUIREMENT OF THE FAIR CREDIT REPORTING ACT.. I have original documents with correct information where are u getting your data from.. youve been in complete violations of Multiple laws for over 7years Account number incorrect. Open date incorrect. Balance is incorrect.. why did the balance change after 7years also reporting a charge off every month for 7years.. delete this account its not accurate 1.DATE OPENED INCORRECT 2. RECENT BALANCE INCORRECT 3. ACCOUNT NUMBER INCORRECT 4. CREDIT AMOUNT INCORRECT 5. REPORTING A COLLECTION EVERY MONTH FOR 7YEARS 6. DOES NOT MEET REQUIREMENT OF THE FAIR CREDIT REPORTING ACT
Product: Credit card or prepaid card

I feel synchrony closed all of my cards because of my race .... I have been an excellent card holder for many years! Paid my cards on time and to XXXX  balances. Being African-American I have seen the struggles in life. I got a great education. I saved a lot of money. And I built GREAT CREDIT!! After I had mentioned to one of Synchrony reps. Synchrony closed down all 7 of my Synchrony branded cards that I have had for years .... I have a XXXX FICO SCORE! Never been late!!! NO NOTICE GIVEN TO ME. Synchrony just closed my cards. XXXX, Banana Rep, Amazon, Chevron, XXXX, XXXX XXXX JCP. After all the tension in our country Synchrony decided to close all my cards without giving me a reason or notice. What a sad & pathetic operation run at Synchrony. Its XX/XX/2020 and I have still not received a notice or explanation on why Synchrony closed all my cards after 4 years ... My cards are paid in full every month. All 7 of the cards have XXXX  balances. On the Amazon card they owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.XXXX XXXX IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXXXXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
Product: Credit card or prepaid card

I have been trying to fix my credit report and in XX/XX/XXXX, I had sent XXXX XXXX a forgiveness letter for a late fee that I obtained back in XX/XX/XXXX. XXXX never responded to these letters & in XX/XX/XXXX my account was closed. I was not late on any recent payments and had a low balance & was still using my card appropriately. There was no reason to have closed my account. I called & spoke with customer service in the credit department and no one could tell me why my account was closed. The manager did not want to get on the phone with me and the sweet lady tried to figure out what the issue was and after over an hour of being on the phone & reading through the notes, she simply said. I have no idea why they closed your account unless XXXX got confused on the year you were explaining why you were late. She apologized several times and gave me XXXX 's phone number and told me I could get more specific answers from them but my account couldn't be reopened but I could apply again for another account. I DO NOT WANT TO APPLY FOR ANOTHER ACCOUNT!!! I never asked for my account to be closed and wasn't given any reason for it to be closed. I wasn't disputing any late fees in XX/XX/XXXX. My credit score was pulled down 10 points for them closing out a good credit card. I am requesting they reopen my account or they can delete it from my credit report altogether. This is not a way to do good business with your customers and I had been a loyal customer since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$260.00} with CREDIT CONTROL SERVICE. I do not have a contract with Credit Control Service and was not provided the original contract with my wet signature and ID verification.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. 
PLEASE SEE DOCUMENTS ATTACHED! 

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt.. Under the Fair Debt Collection Practices Act, I requested that the company allow me to validate the alleged debt by providing me with a breakdown of all charges, dates of service and procedures given including fees associated. Transfinancial failed to supply me with rightful information attached is the copy of letters that were sent to TRANSFINANCIAL and the letters sent back to me.
Product: Debt collection

A collection Agency called EMCM Has put information on my credit report claiming that I owed money concerning student loan debt and this is illegal. The information they submitted in XXXX is not my debt.
Product: Vehicle loan or lease

As a loyal customer of American Honda Finance, I have always endeavored to fulfill my financial obligations promptly and responsibly and pay my monthly lease charges on time. However, at the end of my lease XXXX stopped all the sudden to report my account to the XXXX major credit bureaus, and my account was removed. This sudden removal of my account from credit bureaus has had a significantly adverse impact on my credit score, which has caused me undue distress and inconvenience. 

I became aware of this issue when I noticed a sharp decline in my credit score, which has had cascading effects on my financial standing. This unexpected development has made it challenging for me to secure favorable terms for various financial transactions, including but not limited to obtaining loans, mortgages, and credit cards. As a result, I am now faced with heightened interest rates and diminished access to essential financial services, all of which have had profound implications for my personal and professional life.
Product: Mortgage

My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set. 

On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX. 

I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed. 

This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.
Product: Credit reporting or other personal consumer reports

In response to my formal dispute letter sent on XX/XX/year>, regarding inaccurate and/or fraudulent information on my credit report due to the Equifax data breach, I have not received any resolution within the mandated 30- to 45-day period under the Fair Credit Reporting Act ( FCRA ), 1681i. 

One of the disputed items includes a negative entry from XXXX XXXX, account number XXXX, which I believe to be fraudulent. I provided supporting documentation, including an FTC Identity Theft Report, to demonstrate that this account was opened or used without my authorization. 

As no action or response has been taken to verify or resolve this matter, the FCRA 1681i ( a ) ( 5 ) ( A ) requires that this account and all associated negative information be deleted immediately. 

I request the prompt removal of this and any other unverifiable items listed in my original dispute letter. Additionally, please confirm the corrections in writing as required by law. 

Thank you for your attention to this matter.
Product: Credit card

A summons with someone of a similar name as mine is being reported on credit report from 2010 when I was XXXX XXXX XXXX