23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase is in violation of CA laws barring contribution to 2nd lien holders in short sales. Chase is also in violation of debt collections practices act on a discharged debt. There needs to be an immediate investigation into Chase 's practices of unethically extorting cash from non debtors on debts that have been charged off. 

At issue is a short sale request that submitted to Chase on XX/XX/18. At the time the short sale was submitted we were notified by Chase, ( the 2nd lien holder ), that they were in the process of doing a lien release on the property. Once Chase discovered that the property had an offer they decided to change their mind and remove the debt from lien release. This debt is tied to a debtor who did a Chapter XXXX bankruptcy and there is ZERO equity on the property due to the amount owed to the 1st lien holder and delinquent taxes. The fact that Chase removed the debt from the lien removal process once they discovered there was a pending short sale is unethical however the issue is the fact that Chase is trying to illegally require contributions on this short sale whereby they were they will receive XXXX dollars should the property go to foreclosure auction on XX/XX/18. 

Chase was offered a very generous XXXX from 1st lien holder for their lien that has zero equity. Instead of doing what is ethically required Chase came back and demanded an outrageous amount of {$210000.00}. This obscene and illegal demand is outrageous. Chase has concurred they have ZERO equity on the property. Chase advised they were in the process of doing a lien release for XXXX dollars. Now all of a sudden they are illegally trying to demand outrageous contributions of {$210000.00}. There needs to be a class action suit for this type of egregious extortion tactics. CA law does not allow seller to contribute on short sales and the seller filed Chapter XXXX. The fact that Chase is demanding a contribution is in itself illegal. Demanding that a buyer of a property that has no obligation to another party 's debt pay an outrageous demand is insulting and causes real harm to buyer for which they have the option to seek legal relief. Chase needs to accept what 1st lien holder has offered.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have XXXX my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Correction of any inaccurate information in accordance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Checking or savings account

Deposited financial instruments into accounts and bank received deposits and have tried to hide instruments from the accounts. After receiving deposits bank tried to close accounts without any lawful reason and have not returned any of the deposits.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau informing you that I am a victim of identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, provided the necessary documents, and they have promptly deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the FTC report. I am curious about the verification method your bureau used to justify continuing to report these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are.

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take the XXXX auto account off my consumer report its not suppose to be shared let alone displayed on my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, XXXX, XXXX and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Product: Student loan

I have been stuck in the process of the PSLF since XXXX with no sign of resolution. My loan was transferred to Mohela at the beginning of XXXX and I am no closer to forgiveness than I was then. 

My PSLF payment count is actually lower on Mohela than XXXX and the PSLF tracker at Mohela shows no information. 

I have received no communication since my transfer other than when I call, and I have been given dates for forgiveness ( end of XXXX, end of XXXX ) that have been patently false. 

When I do make the mistake of calling Mohela, the average hold time is over three hours. On three occasions, I have been on hold that long only to be disconnected with an automated message about busy lines. 

I have nowhere to turn for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter disputing items listed on my credit report. Many violations were made and not corrected. 

I have not received any response relating to my dispute request. It has been past 30 days.
Product: Checking or savings account

Overdraft fees with Wells Fargo charged unfairly.
Product: Mortgage

My Equity Line of Credit ( Mortgage ) was transferred from XXXX XXXX on XX/XX/21 to Specialized Loan Servicing LLC. I have spoken to SLS reps on XX/XX/21, XX/XX/21 and today - XXXX.SLS has no record of my payment cashed by XXXX on XX/XX/21 of {$700.00}. Also my payment of {$760.00} sent to XXXX on XX/XX/21 has not been cashed. Per an SLS rep on XX/XX/21, XXXX sent this payment via XXXX to SLS on XX/XX/21. 

The amount of the scheduled monthly payments on my new SLS invoice is {$490.00} which should be {$760.00}. 

SLS claims that I am 65 days past due, when I was current with my payments and have been for years. 

I have forwarded the documentation attached below to SLS. The Rep on my XX/XX/21 call confirmed receipt of the email. 

I have been promised call backs from SLS supervisors within 24-48 hours on XX/XX/21, XX/XX/21, and XX/XX/21. I have received no call backs from a supervisor to date. 

I will continue to attempt to resolve this with SLS, but I am beginning to be doubtful that they will respond. I have documentation from my last XXXX bill and from my bank confirming the payment made. 

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

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent. I attempted to contact the companies and no response. I never authorized these. These are negatively impacting me and need to be removed asap before I take legal action. 

XXXX XXXX  ( Bank ) - XX/XX/year> XXXX XXXX  ( Bank ) - XX/XX/year> XXXXXXXX XXXX XXXX ( Bank ) - XX/XX/year> XXXX ( Finance ) - XX/XX/year>XXXX XXXX XXXX ( Bank ) - XX/XX/year>
Product: Debt collection

Debt owed to original company was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.
Product: Debt collection

In 2019 I made a loan for {$8000.00} from Lending USA or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for 2 additional statements that reflects payments directly to Lending USA for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.
Product: Credit reporting or other personal consumer reports

I was paying for Experian for quite sometime {$25.00} a month and it was still showing stuff that had been paid and closed as open and things have not come off my report
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..
Product: Debt collection

Gusdorf Law Firm manages delinquent accounts and debt collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX, following a XXXX case that was settled, Gusdorf defrauded me of {$1400.00} in overcharges and excess garnishments. When I advised XXXX XXXX of Gusdorf Law Firm of the fraud and presented evidence of merit in support the claim, they pursued me for outstanding XXXX  debt I did not owe and used the Civil Court to perpetrate and cover up the fraud. A judgment, against the weight of the evidence, was entered against me in XXXX case, and the case is currently on appeal with the XXXX XXXX XXXX XXXX XXXX and the judgment is stayed.. 

In XX/XX/XXXX, Gusdorf Law Firm ( on behalf of XXXX ) involved themselves in a real estate transaction for the sale of my home. Not only was a XXXX XXXX XXXX ( 0.75 % interest monthly or 9 % annum ) attached to the property, but Gusdorf advised the title company that two additional liens existed on the property for both Case XXXX XXXX and the current Case XXXX XXXX that is on appeal. See attached settlement letter filed by Gusdorf on XXXX XXXX XXXX and the lien statement provided to XXXX XXXX XXXX did not exist on the property for either of the cases, and this fact is consistent with the title report and findings of the title company AND property records obtained from the Recorder of Deeds. 

The three ficticious liens included lien terms, policies, and conditions ( challenging title and ownership of the property into the future ), which I was required to approve in order to sell my property. It is my opinion, the interference and illegal actions of Gusdorf Law Firm were attempts to gain strategic advantage in the XXXX case that is currently on appeal and divert and/or possibly steal the proceeds of the sale. 

The illegal actions of Gusdorf Law Firm caused a breach, and the sale was terminated due to FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent Transunion and XXXX a copy of the report showing XXXX deleted the account and TransUnion and XXXX says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.
Product: Debt collection

Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Collection account for {$2200.00}
Product: Credit card

Greetings, When I called to make my payment over the phone, I was caught off guard and extremely surprised that my balance went up some {$300.00} and I was over the credit limit. 

When I called to inquire about this I was told that these were interest charges and when I asked to remove, the representative told me no. 

This excessively high interest fees are erroneous and illegal and I am herein disputing these charges Even since I took an {$30000.00} pay cut and then lost my job in XX/XX/2023, I had to pay my rent and bills with XXXX and I am in an extreme financial hardship and being the head of household in a family of XXXX, this has added to this financial distress and hardship Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested incorrect information removed from my report. There were old addresses, phone numbers, names, jobs, banking information from several companies. I reside at XXXX location, I have XXXX phone number. A lot of personal information there that doesn't need to be there. I sent letters to all three consumer reporting services with no results only XXXX sent a credit report after I asked for a free annual report. All three sent an ad for additional services at a cost but no free annual report. There are soo very many soft pulls of my credit that I did not authorize almost fifty maybe more. This is so very unfair your assistance in this matter would be mist appreciated. Thanking You in advance.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report Enclosed are the following : A copy of my credit report I received from credit bureau. 

The fraudulent items are marked down.XXXX  XXXX XXXX XXXXI C SYSTEM ( Original Creditor : 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ) OR EMAIL XXXX Sincerely, XXXX XXXX
Product: Prepaid card

I went to XXXX XXXX XXXX XXXX XXXX XXXX at around XXXX on XXXX  for dinner, the bill was about XXXX dollars, then I left about XXXX dollars as the tips, so the amount of money I paid should be about XXXX dollars. I used an American Express gift card, which had XXXX dollars in total inside of it. And today the representative from American Express said I was charged more than XXXX dollars by the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXhat means that restaurant charged me XXXX dollars instead of XXXX dollars as the tips. And the representative from American express said the XXXX XXXX XXXX XXXX XXXX XXXX confirmed that transaction was totally right. But it doesn't make sense at all. First, I would not use the gift card with only XXXX dollars to pay a more than XXXX dollars bill. Secondly, I would not choose to give XXXX dollars as tips if the dinner fee was only XXXX dollars. 

I was not be able to check the balance of that gift card from more than 2 month ago, so I called the number on the back, and a representative from American express said I was charge XXXX dollars more, the bank was investigating that, and I could check the balance one week later. But two month later, another representative told me the transaction was right, more than XXXX dollars was paid to XXXX XXXX XXXX XXXX XXXX XXXX 

The bank didn't even talk to me to ask what happened, and ignored that the XXXX dollars tips for the XXXX dollars dinner fee would not happen at all. I need them to fix this issue and active my gift card again, as I supposed to have some balance inside, but it can not be used anymore.