23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

A loan refinance with our current mortgager, Mr. Cooper was started on behalf of my mom in XXXX of XXXX at the request of loan officer XXXX XXXX. I was looking to get added to the loan due to my mother 's failing health situation. I explained all of this in depth and worked with XXXX diligently to get this done. Throughout the process we returned all documents and followed all guidelines. We even got the necessary paperwork for a charged off home equity loan that they requested so it could be paid off along with credit cards for the refinance. This information was shared with XXXX XXXX, XXXX 's manager who requested the payoff letter and stated that it needs to be current up until XX/XX/XXXX so that it could be paid off with the refinance. We paid {$600.00} for an appraisal and paid {$2600.00} to get necessary repairs that they said was the last hurdle for final approval as we were already at a conditional approval. I tried contacting XXXX during the week of XX/XX/XXXX - XXXX and did not receive a response from email or text which was odd since he had always returned messages with no problem. I was even in contact with the loan processor, XXXX XXXX who was waiting on repairs as well. 

On XX/XX/XXXX XXXX XXXX called me to say there was an issue with a charged off home equity loan, I explained to him and sent him proof that they were already aware of that and underwriting as well. I even provided him email proof of prior discussions. He did not return my calls or emails for two days and XXXX sent a text message saying he no longer had access to the file after a month of working it everyday. XXXX provided no explanation and I was surprised to learn when contacting XXXX that the loan was no longer in her files and was showing cancelled with no reason. XXXX XXXX was helpful unlike XXXX and XXXX. Mr. Cooper needs to honor this refinance and all parties involved need further training on professionalism, honesty and courtesy. This was deceptiveness in all way and sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XX/XX/2017, and on XX/XX/2017 disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Product: Credit card or prepaid card

WHAT IS THE ISSUE : Chase recorded a double charge of {$900.00} on our credit card on XX/XX/XXXX. The merchant that supposedly charged us the money was XXXX XXXX. Attached is the credit card showing the double charge and the invoice from XXXX showing only one charge. 


WHAT HAS BEEN DONE TO RESOLVE THIS : 1 ) I contacted XXXX XXXX XXXX did not show any double charge on our account and told me I would have to file a dispute with the credit card company. 

2 ) I filed a dispute with Chase online in XX/XX/XXXX noting the double charge. Chase contacted XXXX. XXXX provide Chase a receipt that Chase said proved that the double transaction was valid. 

3 ) I contacted XXXX XXXX XXXX with a copy of the receipt XXXX had sent to Chase. XXXX XXXX XXXX in response provided TWO separate emails explaining the codes on the receipt, what the codes mean AND specifically stating that XXXX ONLY charged our account ONCE. Attached is the second email from XXXX XXXX XXXX dated XX/XX/XXXX. 

4 ) I sent the emails to Chase via certified mail on XX/XX/XXXX. I supplied all the information and asked them to contact the person at the XXXX XXXX XXXX ( XXXX ) that had been working the case. Chase responded with a form letter. When I called Chase, they told me the time was up and they would not put me through to any manager. 

5 ) I went directly to a local Chase Bank for help. The Chase Bank contacted Chase Credit Card to reopen the dispute. They reached a Chase Credit Card Support Manager XXXX XXXX XXXX who said she would work the case. XXXX is no longer responding to the Chase Bank representative or to me via phone or email. Chase Bank says they do not have any leverage over Chase Credit Card division and that Chase Credit Card division can only be contacted via phone ; they could not give me Jessicas direct contact information. 

CONTACTS : Chase Customer Service; XXXX CONTACTS : XXXX XXXX ; XXXX XXXX ; XXXX XXXX  [ RE : Reservation ID : XXXX ] ; Customer Engagement Center ; XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

Please delete this account and delete these inquiries XXXX XXXX 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 or other personal consumer reports

Subject : Dispute of Inaccurate Information XXXX XXXX XXXX Account # XXXX Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information on my credit report related to XXXX XXXX XXXX, account # XXXX. Under the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S. Code 1602 ( p ), I request that you investigate and correct the reporting of this account. 

The reported information is incorrect because. This is not mine As a consumer, I have the right to accurate and verifiable information on my credit report, and I demand that Equifax conduct a thorough investigation and provide me with the results. 

In accordance with federal law, if this account can not be verified as accurate, I request its immediate removal from my credit report. Please provide written confirmation of your findings and any corrections made. 

Attached are copies of relevant documents supporting my dispute, including [ list any supporting documents such as payment records, identity verification, or correspondence with the creditor ]. 

I expect a response within the legally mandated timeframe of 30 days. Should you require any further information, please contact me in writing at the address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account on my credit file that does not belong to me and the account is as a result of identity theft. Experian is reporting the following account fraudulently : XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$19000.00} Balance Updated XX/XX/XXXX Original Balance Monthly Payment {$780.00} Past Due Amount Highest Balance Terms 62 Months Responsibility Individual Your Statement Comments This is not my account and is on my credit file as a result of identity theft. I have contacted XXXX XXXX in Experian 's Consumer Affairs department to file a dispute of fraud but he has never called me back. I have sent 3 certified letters to Experian demanding they remove this fraudulent account from my credit file and they have refused to even respond to me. I have provided a police report to Experian regarding this and other fraudulent accounts being opened in my name without my permission as a result of identity theft and they have not responded to me in over 3 months. This is not my account and I am attaching my recent police report to this complaintl
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX  XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Product: Credit card

Please Help : I have been contacting Chase XXXX XXXX XXXX since XX/XX/year>. 
XXXX XXXX Chase Account XXXX XXXX Backstory : I have been a member for XXXX years. I have paid sometimes multiple times in XXXX month. 
XX/XX/year> through XX/XX/year> have been turbulent for me financially. I contacted them in XXXX for assistance and paid. I contacted them in XXXX and was led to believe if I paid {$150.00} which I did, then I could sign up for auto pay. They sent me XXXX text messages to do that which were unsuccessful. I explained at that time that {$150.00} each month automatically deducted works for me. 
Now I have spoken with them XXXX which now if I dont pay {$290.00} per month, interest and late charges apply until I am XXXX months behind and then they will terminate the account. I can only pay {$150.00} per month, which is not acceptable to them. I refuse to pay a Credit Counseling Service to pay them to pay Chase when ALL those funds could go directly to Chase. That seems counterproductive to resolving the account. On XXXX they absolutely refuse to negotiate with me, but fees are still accruing. On XXXX, after our conversation yesterday, it seems negative marks are being reported to the Credit Bureaus. 
I am a XXXX XXXX XXXX on a fixed income. Chase is the ONLY organization refusing to negotiate with me unless I pay money to a XXXX XXXX XXXX to do what I am trying to do. 
I need your help to resolve the account with a negotiated settlement balance that can be paid on term. 
I need your help to expose and explain why anyone would have to pay someone to do what I can do on my own. {$150.00} is maximum I will pay for charges I made not XXXX months of fees the organization wishes to impose, no matter what. 
I need help with exposing and explaining why a Consumer HAS to agree to be recorded in order to proceed with conversing with a Bank Representative. This is XXXX issue. 
The XXXX  and most pressing issue is that when I request a copy of the recorded conversation with my voice on it, I am told I HAVE to obtain a subpoena issued by a court of law. To do this requires a civil court case which requires fees that could be used to reduce the balance on the account. 
PLEASE, I am begging and pleading, please help me resolve to pay the charges I charged to the Chase account for the balance at the maximum {$150.00} per month until paid in full. 
Thank you in advance because time is of the essence. 

Please help me to resolve it. 

Kind Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea what the collection debt is about. I disputed it awhile ago but nothing was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus XXXX  and Eq. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the Eq and XXXX  has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX to substantiate validation of a dispute from XXXX  or Eq. Furthermore they have no record of a dispute or validation request from either Eq or XXXX  concerning a Mortgage I had or have with XXXX XXXX XXXX.
Product: Mortgage

I recently closed on my home with Freedom Mortgage at the end of XXXX. On XX/XX/year>, a payment of {$1100.00} was deducted from my bank account as part of my semi-monthly mortgage arrangement. However, this payment was not applied to my mortgage account. Subsequently, on XX/XX/XXXX, my mortgage account was transferred to a new servicer who did not receive the payment. As a result, I contacted customer service, but the representative was unable to provide clarity on why the payment was not applied on the XXXX when it was made. It is crucial that my mortgage account reflects the correct balance, and that the missing payment is promptly applied to my principal. I also sent a message to CEO, XXXX XXXX through XXXX.
Product: Debt collection

Company has filed suit against me and has requested me to appear via remotely to Court.
Product: Debt collection

XXXX XXXX 2016 received a letter from XXXXScott Lowery P.C with alleged amount of debt of {$4600.00} I owe XXXX XXXX and XXXX. Checked my credit report and didnt find any of them there. On XX/XX/XXXX2016 sent XXXXScott Lowery P.C notirized letter of demand for validation. Certified mail indicates it was received by XXXX XXXX on XX/XX/XXXX2016. Havent received anything. But XX/XX/XXXX2016 ( sunday ) a courier called me and handled me summons for court. Tried to contact XXXXScott Lowery P.C ( XXXX XXXX, # XXXX ) to find out what 's going on. Left voice messages. No answer. XXXXScott Lowery P.C sent me new paperworks trying to get me signed. Have copies of all paperworks.
Product: Money transfer, virtual currency, or money service

I now have to file a complaint another complaint with the CFPB for Amex as well regarding this matter, as both them and XXXX continue to point the finger at each other as to who has my money. On Wednesday, XX/XX/year>, I attempted to submit a wire transfer in the amount of {$15000.00} to my XXXX checking account. It was rejected, and I was told the rejection and return of the funds to American Express had been done the same day. American Express had initially told me on Friday and Monday that they did in fact have the funds pending release, however now a rude supervisor from Amex, XXXX ( fitting ) is telling me XXXX has yet to release them back. Now I have no idea where my money is, and both banks are insisting I contact the other to locate my own money.
Product: Debt collection

Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.
Product: Debt collection

Well the company XXXX XXXX XXXX turned this over to levy and Associates and I wasn't aware of this debt nor did I know anything about this and they went and took me to court and started a bank garnishment against me well I wasn't aware of this debt and I have tried and tried to work with them and when I spoke to them they scared me to the point that I did a payment and yes it was returned for non payment because i called my sister and had her stoped it as I didnt recall I ever had an account with them. Well after which I have tried to speak to them and I have called several times and well it funny how they call is either XXXX mins along or longer and then they disconnect you. I have tried several emails and everything and nothing well they didnt do nothing about it I mean they went and put a cease and desist the debt well that not going to help me at all as they are still trying to have my bank account frozen which is wrong when I didnt authorize the debt and I just got the form today XXXX XXXX. They need to either contact the court to let them know or I will as I just looked where they tried to send the letters and so forth and I never received it. I mean me and wife is seperated I literally just got back in the home on XXXX XXXX. So I have been trying to get this straighen out since but you can't work with someone who don't return phone calls. So now once again.i want proof of debt as I pulled my credit report and it not on any of my credit report this is the final time I am printing this out and I am taking it up to the XXXX house on Friday if they don't make this right. So I am disputing this debt as I didnt no nothing about this and until they can provide me with proof this is the final time I asking.
Product: Credit reporting or other personal consumer reports

I urgently request that you promptly eradicate the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to address this error without delay.