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

XXXX XXXX XXXX XXXX XXXX  ( 8 minutes ago ) to me For the record this is a continuation of CFPB dispute # XXXX See CFPB dispute # XXXX This is my fourth time reaching out to Experian about account XXXX. They have not providing me evidence as accordance with the law. Being that Experian is a third party, as it pertains to any of my financial business, legally they must provide the exact copies of the documents that they used to make sure that a debt is accurate or, in this case, not fraud upon my request. It is unfair for them to put negative items on my credit report without a reasonable doubt. This one account is causing me and my family undue financial duress during our home buying process. To add ... As a XXXX veteran my funds are limited. Also, the account that is adding financial duress is not in my name. The account is in the name of " XXXX XXXX  ''. My name is not " XXXX XXXX  '' Also, Experian says they will respond to my previous CFPB dispute XXXX in 60 days. However, their corporate website promises a 30 day response to consumers. ( See link XXXX XXXX XXXX ) Also the FCRA States that a 30 day response is law. However, Experian has notified me that it will take 60 days. This is unfair and inconsiderate to the consumer. ( See evidence attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account XXXX lowered my credit score by 41 points and the rating to fair. Equifax lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.
Product: Mortgage

I have been in a XXXX Short Sale review since last XXXX 2015. I unfortunately had to request a short sale as the modification payment coupled with loss of income made it necessary to sell our home. I received an offer on our home in XXXX of 2015 for $ XXXX, and it was submitted to the bank. Then we received notice that we had to sell via an online bidding with Nationstar. The bidding pricing range was $ XXXX to $ XXXX This occurred on XXXX/XXXX/2015. This process was supposed to have been done to expedite and ensure the home was sold at market value. Another reason we did not get as much traffic was because a lot of buyers did not want to pay for the 5 % buyers premium added to the purchase price. So in XXXX a bid offer was accepted bumping the offer we received in XXXX. Per XXXX guidelines we are supposed to have been given a reply within 30 days. We are now in XXXX and we are still waiting for approval. It has been about 2 1/2 weeks now that we have been waiting for PMI approval. How does this make sense to have the bidding to expedite the process and we are still waiting for an approval. From what I also understand, we should have received a Short Sale Notice, but we have not. I also have people coming to the house saying we are going into foreclosure sale because the foreclosure sale notice is published. This is very stressful and this is why with these lengthy processes and delays we lose buyers or as a homeowner we are mortified by the looming prospect of having our home foreclosed. Again, if the original offer was within the range, why did n't the bank just accept instead of accepting a higher bid, and then having to lower it? With such a long delay, it also makes it difficult to search for a new home to rent because we ca n't really commit and leave the home vacant. All of these situations make it for a very stressful way to live which also causes health concerns. Please assist us in expediting the process so that we may have a dignified closing.
Product: Debt collection

L J Ross Associates Subject : Urgent Dispute Fraudulent Account Removal To Whom It May Concern, I am writing to formally dispute the account associated with XXXX XXXX XXXX, which has been fraudulently opened using my Social Security number. I have never opened an account with this company, nor have I ever heard of them a day in my life. This is not a debt I owe, and its presence on my credit report is both inaccurate and damaging. 

I am demanding that this fraudulent account be immediately closed and removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only accurate and verifiable information is reported. Since this debt is fraudulent, it must be deleted from all credit bureaus where it has been reported. 

If this matter is not resolved promptly, I will have no choice but to continue filing multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) and escalate my dispute further if necessary. I expect written confirmation that this account has been permanently removed. 

Please treat this matter with urgency, as I will not tolerate fraudulent information damaging my credit any longer. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with BRIDGECREST was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BRIDGECREST Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the " Fair Credit Reporting Act ''. This account below has violated my federally protection consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX  : XXXX has violated my rights. 15 U.S.C 1681 section 602A. States i have the right to privacy. 15 U.S.C. section 604a section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 15 U.S.C 1681 c. ( 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 the records of convictions of crimes which antedates the report-by more than 7 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never used my credit before, meaning Ive never had an actual score. I went to check my score a few days ago and realized that I actually had something there yet it was not familiar to me. I have never had an account with XXXX and they have no trace of me owing them anything. There is an inquiry that I have an outstanding balance of XXXX $ with them and I would like to remove it. However, when I try to dispute the claim they just send me back and forth from online to over the phone until I give up. It is not fair that my first credit score was based on a false inquiry.
Product: Debt collection

I am a XXXX person I have state XXXX in 2017 I went to a XXXX XXXX XXXX why the XXXX was not charged and now they keep harassing me with that account if it is my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE XXXX XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, i contacted XXXX XXXX XXXX in XXXX XXXX california. i filled out an online form to gain more information on a vehicle they had for sale, as i had been pre approved for a loan through my local credit union. XXXX XXXX XXXX ran my credit, causing a hard inquiry and causing my credit score to decrease. I immediately contacted them and told them that i had never applied for credit and to please remove the inquiry and they said no,.
Product: Credit reporting or other personal consumer reports

I have multiple attempts to amicably deal with this with Experian, but to no avail. I am making one last attempt before I sue or abritrate.
Product: Debt collection

They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. 

THANKS IN ADVANCE
Product: Credit reporting or other personal consumer reports

My identity was used with the following accounts and companies without my knowledge Inquiries include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00}. XX/XX/XXXX XXXX XXXX XXXX {$590.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00}. XX/XX/XXXX XXXX XXXX {$280.00}. XX/XX/XXXX
Product: Debt collection

As of XX/XX/year> a charge of {$3800.00} for popped up on my collections. I have no clue what it is. I tried calling they couldnt tell me the original or any information. I have not done anything for any amount of {$3800.00}.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Navy Federal Credit Union XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Spoke with the company regarding late payments and foreclosure on credit due to inability to find a place to live and getting denied automatically due to that. They said I would need to talk to one of the credit bureaus to get this removed. I submitted a dispute and information was not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX On my experian credit report they keep reporting it every single month as a " charge off '' this account was charged off XX/XX/2019 it should not still be reporting monthly on my credit report at all. 

This also is not my account and i sent in a screenshot of the CHAPTER XXXX discharge for this item and yet experian still has not taken this item off of my credit. It also shows i have a past due balance and again I feel like it should be pretty obvious that my credit report is very good so why would i let 1 ACCOUNT ruin my whole report? i mean really. THIS IS NOT MY ACCOUNT - CHAPTER XXXX IS SUPPOSED TO GET RID OF THESE ACCOUNTS THERE IS NO REASON they should be reporting CHARGE OFF every month the account is CLOSED and it was not mine to begin with it was my husbands so why are you trying to make a single mom suffer for something not hers?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 all trading was disabled on my account and I wrote to Coinbase support and verified my account. 

On XX/XX/2021 I received an automated response from Coinbase support saying that their Support team was working hard to answer customer inquiries and to visit their Help Center for more information ( Case # XXXX XXXX. 

On XX/XX/2021 I received an email from Coinbase Support saying they had transferred my case to a specialist who would be able to further help with this issue, and that replying back to this email was the best way for an update ( ref : XXXX : ref ) On XX/XX/2021 I replied to the email asking for an update and have never received a response to date.
Product: Money transfer, virtual currency, or money service

Coinbase deactivated my account in XXXX and requested I close my account in XXXX. I had over XXXX in bitcoins. After a while they asked that I run some verifications which they never unlocked my accounts. They also asked that I close my account but they never let me verify my account. 
Finally in XXXX they claimed they sent my funds over XXXX XXXX todays market to the Wyoming unclaimed property. I have filed with the Wyoming unclaimed property but it is now over 3months with no response from them. There re so many people with this claim. Most people do not reside in America. Coinbase is fraud.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

XXXX XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX XXXXXXXX. They did not provide me with the original application I requested. 

XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX. They did not provide me with the original application I requested.
Product: Mortgage

Please see the attached letter sent from Cardinal Financial, dated XXXX with regards to an appraisal. I have submitted numerous complaints against this company due to their inability to follow simple federal and conventional guidelines when servicing a mortgage loan ( for latest case information, please see CFPB case # XXXX, as this is all connected, along with every other report I have filed against this company ). Per documentation mailed to me dated XXXX, my deferment has been processed, however, I received another letter dated XXXX stating an appraisal may be ordered due to the " loss mitigation process '' and that this expense will be charged to me. However, per CFPB guidelines on processing payment deferment for COVID forbearance, an appraisal is not a part of this equation for payment deferment specifically. An appraisal does not need to be completed as I am not opening, nor have I initiated a loss mitigation request. I have not authorized my credit to be pulled, the loan terms on my current mortgage to be adjusted or negotiated, nor an appraisal to be ordered. I will not be paying for this expense of an appraisal nor will it be charged to my mortgage account ; as this is not a part of CFPB guidelines or FHLMC guidelines ( who owns my loan ). I need confirmation that this expense is not being charged to me or my account as it was never authorized by me for any reason. ***My normal mortgage payments for principal and interest have been resumed as of the effective date of XX/XX/2023. *** I have attached a copy of the XXXX letter from Cardinal with regards to the appraisal along with the XXXX letter confirming payment deferment for COVID ( Cares Act ) payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of my drivers license and bill with my dispute letters. They were received on XX/XX/2022 at both Equifax and XXXX. No action was taken. I am sending a copy of the dispute letters and the USPS tracking confirmations, that the letters was received.
Product: Mortgage

The purpose of this letter is to request a formal review of our loan modification that occurred last year. The entire experience was very painful as we were working with XXXX XXXX and then requested a new representative. XXXX XXXX became our focal point and after the long process of being denied a few times and served with foreclosure papers. 

We were in constant daily communication with XXXX beginning in XXXX XXXX. Although XXXX was not working then so she could not provide proof of employment, she received a severance package so we clearly had the funds to make full mortgage payments. The reason we were requesting a loan modification is lower monthly expenses not because we could afford the payment. This was our first experience with the process and repeatedly asked XXXX for advice and instructions. XXXX advised us to postpone full payments, however, until the process was completed. We relied on his advice and trusted that since we were in ongoing communications, everything was okay. 

One day, in between the calls with XXXX, we were informed that our house was going to go through foreclosure. We were shocked, scared and confused because we had just talked to XXXX and he said everything was fine and under review. When asked about the late payment notices, he advised us " not to worry - these letters were being automatically generated by another department. '' Again, we trusted him until people started knocking on our door offering financial counseling. This was so embarrassing, we requested a new representative. XXXX XXXX handled the rest well and suggested that our mortgage was fine and credit reporting would later be corrected. 

We are in the market to purchase a car and was informed that we have 3 late mortage payments last year at exactly the time of working with XXXX. This is ridiculous because again, XXXX had a full year severance that we could use, however, we were advised not to worry per XXXX. 

Here we are almost a year later. Mortgage payment barely dropped and our credit score is negatively impacted due to working with Wells Fargo and listening to the advice of your representative. 

We are requesting that Wells Fargo either reverse the late payment notices or make notation that it was at fault in this process. We really need to buy a car so this needs to happen immediately. We have been dedicated customers to Wells Fargo for over 10 years and would hope that we would not have to change financial institutions considering we were given wrong instruction by one of your representatives. 

Regards, XXXX and XXXX XXXX The above letter was sent to Wells Fargo on XXXX/XXXX/XXXX. In XX/XX/XXXX, we received notice that Wells Fargo would not do anything to modify our credit report. We were never in a hardship and was simply looking for a lower monthly payment. We were advised to not make full payments, which was wrong advice. We trusted the bank and have now suffered. The monthly payment ended up to be only {$50.00} less after all of this unfortunate situation.
Product: Debt collection

On XX/XX/2024 I was trying to buy a new vehicle. When the copy of my credit report was provided to me by the sales XXXX, a debt collection agency JEFFERSON CAPITAL SY, for {$9000.00} account popped my attention. This account is not mine, never existed or opened on my name and not even present on my credit record. I went ahead and filed a dispute through XXXX, the collection agency itself and the XXXX XXXX XXXX XXXX XXXX Police Department ( case report number XXXX ).