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

1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , EXPERIAN , AND XXXX  ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND EXPERIAN, XXXX XXXX NEVER RESPONDED. XXXX  AND EXPERIAN THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , EXPERIAN AND XXXX  EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Debt collection

This debt is being reported as an open balance and I do not believe the being reported on my account is valid
Product: Credit card or prepaid card

To whom it concerns Chase card services has two accounts under my Social Security number and my name that are identity theft and were not opened by me. 
First account ending in XXXX & 2nd ending in XXXX. 
To assist with the research my information is as follows XXXX XXXX XXXX XXXX These accounts are reporting as close to my credit reports such as XXXX XXXX and XXXX and based on My credit report they were both opened in XX/XX/XXXX. 

Again these are identity theft accounts fraudulently open under my name I never open these accounts and will not be held liable. 

Let me say that I have been attempting to get this matter resolved since I noticed them in late XXXX on my credit reports. I have reached out to the company I have sent credit bureaus information regarding this Ive attached a few communications with Chase and their responses for you to see. For whatever reason when I follow up on the investigation theyve either verify the account without providing any evidence or just not follow up at all. 

You will see in the responses specifically in XX/XX/XXXX I requested them to verify any information and they just responded with we have reviewed and confirmed its valid. This specific example is Unacceptable as they are ignoring the laws as they must abide by two without providing any evidence on how they verified it. The next step will be a small claims court lawsuit against Chase for the specific reason as they are failing to provide any evidence whatsoever through mailed responses. 

After calling into the fraud department and getting circled around with different representatives not knowing what to do or having any resources available to help with this matter a few times they explained to me that there was payments made from a XXXX XXXX bank account and thats why they are verifying it. 

Again this information was provided over the phone it was not provided through the mail response but based on that information I did get a letter from XXXX XXXX stating that Ive never had a bank account so the payments could not have been made for me further proving that these accounts are identity theft and fraud. 

So please see the responses from Chase and understand that They have failed to provide evidence to verify these accounts which is unacceptable under the law. 
Just based on talking to Chase over the phone I have disproved that these accounts could be mine through a bank account see attached letter from XXXX XXXX. 

Needs to be resolved now and the lingering back-and-forth communication with Chase is unacceptable without any resolution. 

These accounts are fraud they are identity theft were opened without my authorization and need to be deleted from my name and credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> My personal information was exposed in a data breach ( NPD ). 

15 USC 1681 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Debt collection

I contacted XXXX XXXX aka XXXX on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave  XXXX more then 30 days to provide verification of debt and once I pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.
Product: Vehicle loan or lease

Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.
Product: Credit reporting or other personal consumer reports

APPLIED FOR AN XXXX XXXX XXXX CREDIT CARD. XXXX WAS BASED ON FICO SCORE AND A TAX LIEN, INFORMATION SUPPLIED BY EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX all have 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 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
Product: Credit reporting

My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian.
Product: Mortgage

Since XXXX, I have been seeking a modification of my mortgage with Wells Fargo Home Mortgage. I was eventually approved for a 3-month trial. The problem I am currently facing has to do with the process at Wells Fargo Home Mortgage. The first issue is that my work schedule no longer permits me to make phone calls to WFHM during THEIR office hours. As such, I had been relying upon e-mail communication. However, within the last few months the " home preservation specialist '' has been leaving messages asking me to call him. Each time I have responded with a voicemail ( after his hours ) and followed up with an e-mail. I have repeatedly informed him that I am unable to do that unless I take off from work. I have asked him to either leave detailed messages on my voicemail or correspond via e-mail. I find it infuriating that I am not being acknowledged for the employment situation I am in. I recognize the importance of not communicating sensitive information via these means and I assume he does as well. However, if there is a request, question, etc. it does not have to be communicated over the phone. 

The second issue ( also during this modification process ) concerns the appraisal of my home. I contested the initial appraisal value WFHM provided as it was $ XXXX too high. I received a letter e-signed by the home preservation specialist indicating that it may be necessary to order a new property appraisal and that a ) I could owe towards the cost of it and b ) I would be notified if a new appraisal was necessary. The next communication I received was a copy of a new appraisal completed by a local agent. I asked the home preservation specialist about this because if there was a cost involved, I would have rejected it. Instead, the appraisal was apparently done without my approval. The reservation specialist suggested I contact Executive Complaints so I faxed a letter to them on XXXX XXXX, 2016 and have yet to hear back. 

The third issue concerns my trial payments. I have made the first two payments on time but yet they continue to show as " unapplied '' in my mortgage statements. In addition, the statement contains verbiage about being past due, so I have grave concerns that while I am adhering to the trial modification, WFHM is a ) reporting inaccurate information to credit bureaus, and b ) accruing additional late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to XXXX mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over 5k short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX XXXX added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made XXXX payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting XXXX lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted XXXX late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every XXXX weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make XXXX payments that are received by them for that calendar month. I am being told by agents that my lates are because I make XXXX payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making XXXX payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't. 
I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX and XXXX announced significant changes to medical collection debt reporting to support consumers faced with unexpected medical bills. As of XX/XX/XXXX, paid medical collection debt will no longer appear on credit reports. And the time period before unpaid medical collection debt appears on your credit reports increases from 6 months to 1 year. This extension provides additional time to pay off medical debt before it appears on credit reports. The NCRAs will no longer include medical collections debt under {$500.00} on credit reports. 

Equifax Report : XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$150.00} XXXX XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$190.00}
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a letter that the Santander bank was sold and my account was transferred to Firstbank. I did not know the status of my account. Then I found out that my account was still owned by Santander bank. There was a misunderstanding by myself and I lost access to my internet account in approximately XX/XX/XXXX. My card expired in XX/XX/XXXX and I did not received a new card. This led to assume that my account was going to be managed by Firstbank. In XX/XX/XXXX, I saw in my credit report that there was a balance of {$19.00} in the account and I made a payment through my checking account through my bank 's internet service ( XXXX XXXX ). During those three months, I did not received a notification of a late payment nor a statement of the bank that I had a due amount. Today XX/XX/XXXX, I received a notification of late payment reported to the credit score ( XXXX XXXX ). I made a call to the bank regain access to my account. I found out that I had a past due with Santander bank. Furthermore, I received a letter of first notice of delay of credit card, 4 months after the first due. This was the first and only communication that Santander bank has sent me since the acquisition by Firstbank. This means that Santander bank never sent me a credit card bill for the amount due before this 4 month past due notification. If Santander bank had sent me the monthly credit card bill, I would've paid it as I have been paying all my other credit card bills. The amount due was {$18.00} and they never sent me a bill for that amount. I don't know how I am suppose to know that I owe money to the bank if they don't send me a bill to pay.
Product: Student loan

The primary issue is that I have been overcharged on my student loans for six months due to the length of time that it took XXXX to consolidate my loans and FedLoan Servicing to recognize that I am an XXXX XXXX service member and to re-adjust my monthly IDR payments in line with my military salary. 

I had recently consolidated my student loans with XXXX, which took from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I entered onto XXXX XXXX with United States XXXX XXXX. I had consolidated my loans to begin paying under the Public Service Loan Forgiveness Program, which I certified in XX/XX/XXXX. It took FedLoan Servicing over six months to recognize that I am XXXX XXXX, and to reduce my monthly payment from {$390.00} per month to {$30.00} per month, which they finally did on XX/XX/XXXX. 

While it is good that FedLoan Servicing finally reduced my monthly payment to fit my income, the time it took to adjust the payment resulted in my having to pay the higher payment while receiving far lower income than I was previously receiving.
Product: Money transfer, virtual currency, or money service

I requested to add paper dollars on my cash app account at an authorized retailer per cash app which is feature on the app, However per the chat representatives not everyone has the feature. I wanted to know what makes someone eligible for the features and others not. I could not get a definitive answer in reference. I requested leader support in the matter did not receive. I was told that no one of leadership was available after I was told one moment someone was from leader ship would be assisting. I requested information to file a formal complaint in writing could not get a definitive answer for that.
Product: Credit card or prepaid card

I sent a letter to Chase Credit Card XXXX XXXX XXXX ) on XX/XX/2023 to report and provide the necessary information to have my account correctly updated ; which was ONLY a name change. I provided a copy of my Court Decree Name Change, my Marriage License, my new name change Social Security card, my new Driver 's License and also a Social Security Verification form that was sent by Chase and returned with the listed information above. This form letter also was sent to several other credit card companies, the 3 major Credit Bureaus - XXXX and to the Consumer Financial Protection Bureau XXXX ( CFPB should have a copy of that letter in my file verifying this information. ) The ONLY companies to complete this change CORRECTLY was XXXX XXXX and XXXX... everyone else either, ignored this information sent or ONLY changed my last name to XXXX and left my old first name to XXXX. 
When paying my bills on line XXXX  XX/XX/2023, I discovered that my Chase credit card had been closed. I have never received an explanation in the mail or by phone ... and when I contacted Chase on XX/XX/XXXX and XXXX, after talking to 2 customer service representatives and to 2 " so-called '' supervisors ; NO ONE could explain the closing of my account other than " Bank Policy ''?!?! I have been a customer of Chase for 20 years and have had this credit card for 12 years ... NEVER a day late and balance was ALWAYS paid in full each month. There has definitely been an erroneous mistake regarding my account, and this is why I am requesting an appeal. 
This credit card is extremely important to me because it is linked to several other accounts : XXXX, XXXX, XXXX, and auto pays. 
This closure resulted in a negative impact on my credit score ; in which, I take great pride in establishing and maintaining a credit score of 800+. ( Credit utilization rate and length of credit history are both important factors to me. ) On XX/XX/2023, I received in the mail another Social Security Verification form that I completed and mailed back to Chase ; in addition, I called and gave the information over the phone to a customer service representative. ( He informed that I did not have to mail this 2nd form back, since he recorded the information on my file. I sent it back in the return envelope that was provided anyway. )
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Sections 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these ERRORS be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I have asked the company numerous times to provide me with a validation of debt and have failed to do so on multiple occasions. I also have receipts of time stamped letters that went out to this company with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my XXXX report to be closed.
Product: Debt collection

Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.
Product: Mortgage

In an attempt to refinance my home in XXXX, I contacted XXXX XXXX XXXX as a XXXX party. I spent a few months paying my mortgage through them, being told by Mr. Cooper offices that I could not speak with them directly anymore since I now have a 3rd party. A few months pass and XXXX XXXX XXXX has in fact not been sending my payments to Mr. Cooper on behalf me and I was being scammed. In an attempt to solve this problem I sent in a notice by e-mail to XXXX XXXX offices to remove XXXX XXXX XXXX from my account and to stop all contact with them immediately, on XX/XX/XXXX of XXXX. Instead this notice was clearly ignored for multi months on end until XXXX of XXXX, where I had to call them endlessly and send a second letter of notice. All the while they have continued to not accept my monthly payments and increasing my past-due amount up to {$19000.00}. And on the phone I am receiving conflicting information that this amount being shown on paper and online may be wrong and I might in fact owe up to, if not more than, {$20000.00}. They have forcible put me in a situation where they I could not possible pay my missed payments in time before a full foreclosure sets in. Mr. Cooper is actively attempting to prevent my from catching up on my mortgage after I have notified multiple times that I have been scammed and all forms of paperwork should be sent to me at the property address.
Product: Mortgage

We started our application in XXXX of 2023 and were told it looked like mid to end of XXXX for a closing date. Sellers agreed to that time frame. As time drew closer we were told they needed more time. The seller agreed to XX/XX/XXXX with a written contract which we signed. By XXXX the mortgage company asked for more time. So we asked the seller for more time, they agreed to XX/XX/XXXX but said after that they were moving on to other buyers. The mortgage company did reach out to the seller and explain why things were dragging out to show that we as buyers were 100 % committed and not wasting the sellers time. Today is XX/XX/XXXX and the mortgage company has now told us XX/XX/XXXX is NOT an option and expect XXXX more days till this renovation department would have things done for us to purchase the home. So weve wasted all this time with a company that did not care about our end of things, upset the seller to move one with buyers ( which at this point I cant blame them ), and weve lost out on nice property that in the current market we will not find again for the foreseeable future. Our time and hopes were completely disregarded and now we are back to square one. I would never recommend this company despair their reviews online.