23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX I received an offer from Chase to refinance my existing mortgage held with them. I submitted the online application and received a follow-up call from XXXX XXXX where she quoted a 30-yr fixed loan rate of XXXX a full point lower than my current loan that made it an easy decision to proceed with the refinance. The same day I submitted all requested documents and received the mortgage commitment letter on XX/XX/XXXX. On XX/XX/XXXX, I received a call saying that my HELOC with XXXX XXXX  would have to closed in order for the refinance to proceed. The explanation given was that XXXX XXXX is refusing to perform subordination. The same day I called XXXX XXXX and they were surprised by Chase 's claim and didn't have any records of Chase requesting subordination and in general, don't have any issues conduction the subordination process. I communicated back to XXXX and she promised to follow up with underwriters. On XX/XX/XXXX, I received an email from XXXX XXXX again asking if I made my decision to close HELOC. Again, I asked for a reason why it should be closed. This time the explanation is given was that Chase guideline restricts subordinate financing with a prepayment penalty. I asked for an explanation of how the prepayment penalty would come into play but was told to set up a call with their manager for an explanation. I sent two emails to see when manager XXXX XXXX is available to discuss but never heard back. On XXXX I received a voicemail stating that the subordination restriction is not set by Chase but by XXXX XXXX policy and Chase can not proceed with refinancing unless I close HELOC. Given that this is a regulatory policy, I asked for a policy excerpt referenced in this decision hoping to find an explanation of how the prepayment penalty would come into effect if I'm planning to keep HELOC open but received no response. On XXXX, I received a call from XXXX XXXX, again pressuring me into closing HELOC, and was told to lookup XXXX  XXXX XXXX policy online if I need further explanation. Followed up today XX/XX/XXXX but received the same no answer. 

As a result of Chase 's incompetence, deceptive practices, and, more importantly, indifference I am no longer able to secure a loan with other lenders with the same terms which I could potentially suffer financial loss for the next 30 years. 

Keep in mind that I am Chase 's long-time customer, with an existing mortgage through them, with perfect credit history, steady employment, and sufficient funding. This begs a question, what would be the faith of someone else less qualified asking Chase for a home landing?
Product: Credit card or prepaid card

Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?
Product: Mortgage

XXXX refuses to remove my MIP insurance without me paying XXXX dollars. I have made significant modifications to my property, and I should not have to pay them to have a 3rd party come to my home to verify those changes. If thats how they want to conduct business, then thats on them, not me!!!! 

Furthermore, the company has mismanaged my Escrow account so bad, they are trying to raise my home payment from XXXX to XXXX. So almost an increase of XXXX a month. This is a scam!!!! I can not and will not pay them an extra XXXX dollars a month. We agreed to the payment I have now, and it will NOT go up. I will not be priced out of my home. I will sue everyone involved if the government thinks this is going to keep happening.
Product: Debt collection

I sent letters to XXXX XXXX and XXXX only to be told that I am responsible for this debt which I know to be closed and wrongly purchased from this debt collector I asked to receive signatures of the contract which I never received. On all three credit bureau my credit score is different. My debt amount is different on all the bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not providing me with any kind of documents that shows I actually opened accounts on my credit report or anything containing my signature
Product: Credit reporting or other personal consumer reports

My mortgage with US Bank was offered to be in their forbearance plan due to COVID-related issues. When the forbearance ended in XXXX, XXXX, I was put on a repayment plan to pay back the funds accrued during the COVID forbearance period. I was told the entire time that my credit wouldn't be adversely affected. During my most recent credit report alert, I noticed a significant drop in my credit score and it was attributed to 4 months of delinquent mortgage payments reported by US Bank. I have made on-time payments since XX/XX/2023 until now and when I reached out to US Bank , they stated there was no credit reporting protection during the COVID forbearance period and if I'm in a repayment plan paying on time. When I requested what agreement in writing that on-time repayment of mortgage out of forbearance can be reported as delinquent to the credit bureaus to confirm what I was being told, I was told no.
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that Ocwen would not issue me BUT now Ocwen will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and XXXX when they try and call Ocwen they get a different person every time and a different story every time. Neither XXXX nor XXXX will correct the XXXX late payment based on the multiple letters from Ocwen to me. They tell me they must verify with Ocwen and Ocwen will not verify they reported it incorrectly when the bureaus call them. I have that in writing from Ocwen with the letter dated XXXX XXXX. Ocwen then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by Ocwen. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
Product: Credit reporting or other personal consumer reports

This complaint has 2 parts, 1st part, yet again experian lied and sent a notification that another dispute was ready to view, THAT WAS A LIE AS ALWAYS as screen shots show Part 2, EXPERIAN called yesterday and left a message you could barely understand as the person could barely speak XXXX but said they would call back yesterday, THAT WAS A LIE but now we know why. This is a tactic experian uses to lie and say they made contact. The customer service rep has ABSOLUTELY NO POWER TO DO ANYTHING EXCEPT WHAT THEY CALL AN ( ESCALATION ) which nothing but a stall tactic WELL GUESSWHAT EXPERIAN YOU NOW HAVE DRAWN THE ATTENTION OF LAWMAKERS IN MY STATE AND THE D.O.J.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( FIRST HERITAGE CREDIT ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

FIRST HERITAGE CREDITis also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FIRST HERITAGE CREDIT ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FIRST HERITAGE CREDIT for the account opened XX/XX/2016 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( FIRST HERITAGE CREDIT ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Debt collection

On XX/XX/2023 I submitted via USPS to LVNV Funding LLC also doing business as Resurgent Capital Services. LVNV Funding still failed to send me the Verification- ( Sworn under oath ) of the name and address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC, to cease and desist all communication and collection activity pursuant to 15 USC 1692c ( b ), & 1692c ( c ).
Product: Debt collection

XX/XX/2019 is the Open Date on the account. the balance was around {$330.00}. I paid a settlement amount that was agreed upon with Diversified Consultants, who was the collections agency.
Product: Debt collection

The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the calls.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS XXXXINNEWYORK XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX  UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX  and XXXX XXXX living in XXXX XXXX XXXX XXXX  XXXX Once released I moved to XXXX with my wife XXXX XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX  and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX  XXXX  and even while I was at the halfway house or supervised release without having to go through my XXXX  XXXX. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00}.
Product: Debt collection

Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

On XXXX I sent in a written dispute regarding Inquiries i did not consent to that appears on my credit report. Experian did not respond to me regarding this matter. Please assist with removing these inquires off my consumer report. I have filed an Official FTC report for these inquires and i have it attached to this complaint. Below are the Inquiries. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to speak with Transunion representatives and they refused to remove all negative inquiries off of my credit report.
Product: Credit card or prepaid card

Citibank has referred my credit card account to their Fraud Early Warning department. I have called their number ( which is handled by agents out of the country ) and have provided private information such as my entire bank account number, other credit card number in its entirety, entire social security number and date of birth. After providing this highly private information to the agents, they continue to tell me that my information is unverifiable. This practice is unfair and not to mention, unsafe to ask customers to provide private information that still allows accounts to be unverified. I am unable to bypass this department. With i call any Citibank phone number and entire my information, my account is routed to this department that is not located in the United States. I have read similar complaints to others by Citibank. I feel I am being unfairly targeted. I have made all payments on time. My credit card is locked and even after prividung sensitive information, I am basically being told by the unhelpful reps that there is nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries that should be deleted due to their customer services would not take care of the negative inquiries reporting to my credit report.

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX 2.SXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  DATE XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX & XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX  DATEXX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   DATEXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX FRAUD DEPARTMENT CASE NUMBER : XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX 6 ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car oiro set up a business when I was in XXXX XXXX and then a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 




The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : XXXX XXXX XXXXXXXX. Opened on XX/XX/XXXX, while I was under XXXX XXXX CASE NUMBER : XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 

I am also including on this filing, a copy my brothers passport, phone number, and an updated police report that was filed today documenting this case. 

Thank you for your time, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I entered into a loan charging 750 % interest without knowing until after I accepted.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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  Account # XXXX Account name : XXXX XXXX XXXX Account 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 reporting or other personal consumer reports

I am refiling a complaint with the EXPERIAN regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit repor
Product: Credit reporting, credit repair services, or other personal consumer reports

this information does not belongs to me I have never done any business with these companies these accounts is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BK OF AMER XXXX