23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid off my closed XXXX XXXX card with Wells Fargo on XX/XX/XXXX, and they continue to report a {$10000.00} balance to all three credit bureaus. I went into the branch and got a current statement showing the payoff and asked if they would update the information on my credit report in early XXXX. This has not been updated as of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered with XXXX, regarding my student loan account XXXX. Despite my attempts to resolve this matter directly with XXXX, I have not received a satisfactory response, and I am seeking your assistance in addressing this matter. 

On XX/XX/year>, I submitted a formal request to XXXX  for validation of debt pertaining to my student loan account. However, to date, I have not received any acknowledgment or response to my request. Instead, I have noticed that XXXX unilaterally increased my interest rate without providing any explanation or prior correspondence regarding such a change. 

Furthermore, I was alarmed to discover that the agreed-upon forbearance date was unexpectedly moved up without any prior notification or explanation from XXXX. This unilateral action has caused significant inconvenience and financial strain for me. 

As a conscientious borrower, I believe it is my right to receive transparent and timely communication from my loan servicer regarding any changes or updates to my account. However, the lack of response to my validation of debt request, coupled with the arbitrary changes to my loan terms, has left me feeling frustrated and unsupported. 

Under the FDCPA, if a consumer requests validation of a debt within 30 days of being initially contacted by a debt collector, the debt collector must cease collection activities until they have provided verification of the debt. Additionally, if the debt collector fails to provide validation of the debt, they are prohibited from continuing collection efforts, and they must cease reporting the debt to credit reporting agencies. This requirement is outlined in section 809 of the FDCPA. 

I kindly request your intervention in this matter to ensure that XXXX provides a prompt and satisfactory response to my validation of debt request, as well as a clear explanation for the sudden changes to my interest rate and forbearance date. Additionally, I would appreciate your assistance in ensuring that XXXX adheres to fair and transparent lending practices in their dealings with borrowers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Product: Vehicle loan or lease

1. On or about XX/XX/21, I received the attached XX/XX/21 statement which clearly states : a. there was NO amount due b. the principal balance was {$760.00} c. the Amount Paid Ahead ( i.e. " excess payment amounts '' ) was {$500.00} d. I called Carmax on XX/XX/21 2. After several lengthy holds while the customer service agent discussed this matter with her supervisor, she finally returned to the phone and after another lengthy discussion, she agreed that the aforementioned " Amount Paid Ahead '', ( i.e. {$500.00} ) would be applied toward the Principal Balance ( or {$760.00} ), leaving a balance of {$260.00}, which I promised to pay, and did, by XX/XX/21. I did. 

3. On XX/XX/21, when I looked at my account, it showed my account balance was still more than {$500.00}, eventhough I had paid {$760.00} ( excess payment amount applied was {$500.00}, plus my direct payment of {$260.00} on XX/XX/21. 

4. CarMax is " taking '' my excess payment amounts '' by alleging that that {$500.00} was " posted '' to the XX/XX/21 and XX/XX/21 payments. This is a ludicrous and untenable position, since the statement shows no balance due. Those excess payment amounts are mine, not CarMax 's.

5. CarMax has engaged in fraudulent business practices, has, in effect, extracted a prepayment penalty, and is collecting excess finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX Re : Account # : CHILD SUPPORT Dear Sir or Madam ; Click For More Info I disputed the referenced accounts above on ( date you sent them original dispute letter ). The credit report of ( date you recd notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accur
ate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to Transunion about false and frivolous reporting. They wrote a letter back denying all of my demands. They stated that the XXXX inquiries are not even on the report. 

There are a lot of addresses that have no affiliation to me. I attached a copy of their report and they still deny my demands. 

I also stated that I was a victim of Identity Theft.
Product: Money transfer, virtual currency, or money service

I am a Us Customer who is a Victim of a fraud /scam I Purchased a XXXX XXXX from a Seller from XXXX XXXX and we both complied and decided to send the money to PayPal as a proof of purchases.

I then had to talk to another person who was supposed to be agent of XXXX  and he didn't tell me about any of the fees that are involved in the shipment from XXXX to the US.

However i realized that i was scammed Out of {$1900.00} and i blocked all contact with them because they sounded like scammers, i did all the precautions even contacted the police and the Banking institutions and i would like to get my money back in full but they won't do it. 
am talking to paypal because they refused to reimburse the money that i have lost.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file XXXX XXXX XXXX XXXX - Creditor Name : XXXX XXXX  - Account Number : XXXX - Date of Charge Off : XXXX - Amount : {$770.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on Jpmcb - Card ServiceInquiry from XX/XX/XXXX, XXXXJpmcb - Card ServiceInquiry from XX/XX/XXXX i got hit with hard pulls. I never applied or authorized anything with this company. I had spoke to chase a few times in XXXX and they had said would remove this from any credit reporting agency as this was fraud.
Product: Checking or savings account

On XX/XX/2022 I tried to open a new account w/ Chase. They thought the account was fraudulent, but never contacted me. When I attempted to log into my account XX/XX/2022 I received a message telling me to call the fraud department and I no longer had access to any of my business bank accounts. I called the fraud department and was told I needed to go to the branch and verify myself with my ID. On XX/XX/2022 I went into the bank and verified myself with my ID. After about an hour and a half in the branch Chase unrestricted my account. On Friday, XX/XX/2022 when my accounts were restricted items were returned to merchants and others stating my account was frozen. Because of this the deposits from XXXX were returned to them and they refuse to redeposit any funds into the account until they receive a letter from Chase with very specific information including the fact that my account is unrestricted and is reopened for deposits. I went into the Chase branch on Friday, XX/XX/2022 to request the letter and they told me they could not write it, they said they asked several people and no one could write it. They told me they would escalate it to some manager, but they did not know when I would hear back. In the meantime, XXXX is refusing to release any of my business funds until Chase verifies that the account is in good standing.
Product: Debt collection

This company has not verified the debt. There is no contract with my signature sent per request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XXXX-XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no XXXX score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?
Product: Credit card or prepaid card

On XX/XX/2020 a charge of XXXX from XXXX XXXX appeared as a pending charge to my Citi credit card account. I additionally received notice to contact Citi Fraud Department based on perceived fraudulent activity. I called immediately and was told the dispute process could not be started until the charge posted but that would happen automatically since I reported the charge as fraudulent. I did not make this charge and have no idea who did. 

On XX/XX/2020, the charge appeared as a posted charge for XXXX from XXXX XXXX with a charge date of XX/XX/2020. Additionally, a credit for XXXX appeared with a date of XX/XX/2020. Again, both of these are fraudulent. 

On XX/XX/2020, I contacted XXXX XXXX and a fraud investigation was started on their side as well. I was told the name on the airline ticket purchased with my card was not mine but they would not tell me who it was or where they were flying from/to. 

On XX/XX/2020, I additionally recontacted Citi fraud department as the charge and credit were still appearing in my account. The fraud department connected me to a second " specialist '' who told me the dispute would not show up in the " dispute center '' for at least 12 days and it could take 3 billing cycles to finish their investigation. I reminded him that the charge was made without my card present and I obviously had no idea who used it but they could very easily find out from XXXX whose name was on the ticket. He stated I was " liable for paying for the fraudulent charges '' until the investigation was complete. He refused to credit the account in the interim and when he transferred me to customer service, who he claimed would be able to do that, he told them I wanted a credit limit increase. The customer service rep told me she would have been able to credit the account if I had contacted prior to the end of the billing period. What?! I contacted the first 5 minutes after it showed up as a pending charge and I got the app message of a " card not present transaction. '' How much sooner would I need to contact?? 

I recognize investigations take time, however I should not be threatened with late fees and collections if I refuse to pay a charge that I have no liability for. I had a charge to my XXXX several years back and the charge was gone from my account before I hung up the phone. This is completely unacceptable.
Product: Checking or savings account

Keep getting unsolicited offers in the mail to open a Wells Fargo checking account, despite registering with XXXX and direct requests with Wells Fargo. 

I contacted them on XX/XX/XXXX via their executive escalation line ( XXXX ) and was promised the offers would stop. 

I received another offer on XX/XX/XXXX.
Product: Mortgage

PHH Mortgage escrow department sent a notice of shortage for XXXX year which would take affect XX/XX/2023. I received a billing statement ( XX/XX/XXXX ) with less than a 48 hour notice that the payment increased payment would be due XX/XX/2023. I paid my normal payment XX/XX/2023 that did not include the increase because of the discrepancy. I sent a notice in writing by email bringing this to their attention. I also sent a written notice by mail advising that I would not be entering into an escrow payment agreement with them and that would be making the payments directly to the insurance company and county to cover my taxes & hazard insurance myself.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address significant concerns about the rental screening practices of SafeRent, which I believe have unfairly affected my ability to secure rental housing due to reporting inaccuracies.

Description of the Issue : Recently, I applied for several rental properties and faced rejections based on information from SafeRent. It appears that SafeRent 's heavy reliance on data, claimed to be sourced from XXXX, has led to the dissemination of incorrect details about my rental history and credit score.

Specifically, the reports generated by SafeRent misrepresent my rental score, inaccurately depicting me as a high-risk renter despite my consistent and responsible payment history. This mischaracterization has caused multiple denials from potential rentals, resulting in undue stress and hardship during my housing search.

Further exacerbating this issue are inaccuracies in my credit score, particularly those originating from SafeRent. SafeRent 's dependence on flawed reports means that my applications are being adversely affected by errors beyond my control.

I am deeply concerned that SafeRent 's use of such erroneous data not only undermines fair access to housing but also negatively impacts my overall creditworthiness, as landlords base their decisions on potentially inaccurate assessments. 

Requested Resolution : XXXX. Thorough Data Review and Correction : I request an in-depth review of the data SafeRent employs in tenant evaluations and correction of any inaccuracies in my credit score. 

XXXX. Transparency and Fair Treatment : I seek transparency regarding SafeRent 's methods for gathering and verifying information and assurance that my case will be handled fairly and accurately in future evaluations. 

XXXX. Guidance for Rectifying Discrepancies : I would appreciate assistance on how to correct the discrepancies in my credit report that may be adversely affecting my rental applications going forward.