23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.
Product: Mortgage

1. The mortgage company change the address to its payment processing center or partner. Without notifying myself, 2. they claim to have sent out paper notice as well as emails. That did not happen. I checked my history. They have no proof that they did that. 3. I only became aware of the situation with my bank, said that the mortgage company refused to accept the payment that I sent to them on time as that done for the previous three years. 4. And then had to own my own action reach out. To find out what happened and to get the new billing payment. Information. 5. after updating the new payment address, I resubmitted the payment to them however, due to this lengthy process of getting in contact with them, submitting the payment, it was received after their so-called late payment deadline. 6. They then assessed me a late fee. Summary : Essex mortgage is intentionally engaging in fraudulent practices, and has been financially negligent and notifying their client base of their in-house reassignment of payment procedures. They then attempt to deflect their responsibility as a causer of such misinformation. 

XXXX sought : 1. I want my late fee reversed $ XXXX XXXX  cents. 
2. I want to record to reflect that my payment was not late, but rather that they change their processing mailing information without notifying the customer. 
3. I want Essex mortgage information noted for their XXXX irresponsibility and poor business practices as a warning to other borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had entered into a non- binding mediation proposal with wells fargo because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the independent mediation service provider XXXX. Wells fargo had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for wells fargo to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by wells fargo is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, wells fargo bank. Wells fargo had ask me to enroll in XXXX XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in XXXX XXXX  because of the lawsuit file by XXXX because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the XXXX data breach. I was told by the wells fargo mediation program office and by the claim representative of wells fargo, XXXX XXXX, that the most wells fargo could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in XXXX XXXX XXXX offered also by wells fargo is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform wells fargo of any exact amount of money owed to me by the bank, wells fargo because of the agreement made between myself, wells fargo bank and the independent mediation service provider, XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I started a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a financing plan with Healthcare Financial Direct. That plan started in XX/XX/2023, and ended unsatisfactory. On XX/XX/2023 I had to request a realignment plan since the first plan did not complete the alignment process. I finished that second plan without the fully alignment as well. I now need a second realignment plan and XXXX  has filed for bankruptcy. I reached to XXXX to request about the situation that I need assistance to product I agree to buy which I continue to pay, and their response was that they are only the payment processors and not responsible for the service. I need support with this because my alignment was not completed, and if I can not received a XXXX  set I want a refund of the amount I have paid and a stop of payment of the remaining amount.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In a good faith effort to resolve the matter amicably, I must demand proof of this debt as I know I owe your company no money and no debt it owed or has been fulfilled in full, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. If this can not be provided ASAP, please deleted these accounts from all 3 credit bureaus immediately. Please also provide a letter on your company letterhead stating that this account will be delete, and upload to CFPB portal.
Product: Vehicle loan or lease

I and my granny did an online application on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX for a XXXX XXXX XXXX where she co-signed for me, and they called and told me I was approved and granny and I could come pick up the truck. When we got there they showed me and granny the truck and we came back and sat down and signed papers for truck and XXXX nut a downpayment of {$1000.00} down ( that I was not supposed to pay ). At the time I did not realize the annual percentage rate was inaccurate, the finance charge amount was inaccurate, the amount financed was inaccurate, the total number of payments was inaccurate, the monthly payment was inaccurate and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), all warranty services they charged me for are not valid ( they said I do not have any active warranty other than the manufactures warranty, and that I had been abused and deceived.
Product: Credit card or prepaid card

Citibank closed all my credit card accounts. They sent a letter stating that my activity was inconsistent with normal behavior. I have no idea what that means and they had no right to close all 4 of my accounts, both business and personal.
Product: Checking or savings account

I received a debit card from Bank of America in the mail ( XX/XX/23 ). I do not have a checking or savings account with them. I did not open an account with them. I was shocked when a new debit card showed up in my name for an account I did not open. When I called Bank of America automated phone service it says the checking account balance that I did not open up is {$0.00}. Someone who has access to my private information opened an account at Bank of America without my permission. Our mortgage is through Bank of America so I believe the bank opened this account as I have zero fraudulent activity on my credit report. Looking through my email I found an email dated XX/XX/23 congratulating me on opening an account ( that I did not open )! Im sure when I saw the email I assumed it was a phishing scam. Something weird is going on at Bank of America. I am very upset.
Product: Credit card or prepaid card

I set up auto pay for a Capital One XXXX card, and discovered that not only did they not deduct the money from my checking account, but they reported it as a " charge off '' to all 3 credit bureaus.

I've verified with my bank that Capital One has failed to debit my account going back several months despite having used the same account information.

I have offered to pay in full if I received a written letter stating that the " charge off '' was in error and that I paid as agreed. I have decided not to do business with Capital One due to their unethical business practices concerning my auto loan. As soon as I am provided with such a letter agreeing to " paid as agreed-never late. Account closed by customer '' in exchange for full payment, I will pay it. Otherwise, it will do no good to pay anything if it continues to be reported as a delinquency.
Product: Mortgage

I was contacted by independence home loans. I started to apply for a refinance. I paid for the appraisal. I was told the appraisal would cost XXXX, but they charged me XXXX for it. I got the appraisal complete. I was then made aware of different options I had by another company. I could apply for a 2nd mortgage and keep my 2.49apr on my original loan and I wouldn't incurr a bunch of closing cost. So I decided to move in that direction. When I started working with another bank I told them I had a appraisal already. So they requested my appraisal but independence home loans refuses to transfer it. When I called them they said they do 2nd morgages as well. I told him to quote me for it and refused to quote me a 2nd morgage. When I texted with XXXX from their company he was very rude and cruel and lied. I have text messages to confirm this accusation as well. As of right now they are holding appraisal XXXX because they treated me like a piece of trash and I went somewhere else.
Product: Credit card

I purchased my home XXXX  years ago and since then I have never applied for any store cards but I did get quite a few alerts stating that my information was a part of a breach of contract from XXXX XXXX located in New Jersey. This is hindering me with obtaining a student loan for myself and I really would like to get this resolved sooner than later.
Product: Mortgage

There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!
Product: Credit card or prepaid card

My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions. 
Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from Equifax XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 DigitalFCU - XXXX XXXX DATA - XX/XX/2021 XXXX - XX/XX/2021 CIS - XX/XX/2021 Here are the inquires from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Dear Sir, XX/XX/XXXX causing troubles to me by manipulating and tampering my credit report and showing closed account was open. Every time, they mention that there is a re-investigation and no results or evidence attached to the CFPB complaints response or I did not receive any evidence of their manipulation to my credit report. I have closed Individual Chase Credit card on XX/XX/2018. XXXX kept on manipulating my account and change the account closed status to XX/XX/2018 and XXXX kept on giving false information. I am going to submit all these credit reports and manipulation of closed account status to FBI and Honorable Courts. XXXX has committed the fraud and manipulated the closed accounts. At the same time, XXXX  did not provide the fraudulent investigations report and what reason they changed the closed account status from XX/XX/XXXX to XX/XX/XXXX without my notice and Chase Bank has given the written confirmation to CFPB that individual credit was closed on XX/XX/2018 and there are no credit cards were open on my name, what kind of fraudulent investigation was done by XXXX, no transparency and no evidence attached to the CFPB ' response. It means XXXX is a fraudulent credit bureau and they have tendency of manipulating closed accounts to open, change the status to everyday. I am going to call Federal Officer and also escalating the matter to court against XXXX and Chase. Could CFPB direct XXXX to update my individual credit card closed account date to XX/XX/2018.Could CFPB direct XXXX  to disclose the fraudulent re investigation evidences and results to me over the USPS and also upload to CFPB 's website, accordingly I will file a criminal case against CHASE and Investigation company for manipulating and tampering my closed accounts.
Product: Credit reporting or other personal consumer reports

Equifax continues to drag its feet and give poor service to me. I have four fraudulent accounts that still remain on my report. I called to inquire about it and Equifax for 3 days straight didn't left me on hold and didnt take my calls. Then when I finally reach someone in the office of consumer affairs I get really poor service and talked to very rudely from its reps. I ask for a supervisor to complain and I've been denied every time I want to escalate or complain for the poor service. Then Equifax said the never received information or the proof from the CFPB from my original complaint. The following accounts need to be removed due to fraud : XXXX. XXXX XXXX Account # XXXX ( {$17000.00} ) XXXX. XXXX Account # XXXX ( {$50000.00} ) XXXX. XXXX XXXX XXXX Account # XXXX ( {$5000.00} ) XXXX. XXXX XXXX Account # XXXX ( {$9400.00} )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  **** Balanced : {$0.00}
Product: Debt collection

Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " XXXX XXXX ''. From my research, XXXX is owned by Resurgent Capital Services, XXXX. Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or Resurgent Capital Services, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Product: Credit reporting or other personal consumer reports

I was issued a Total and Permanent Discharge by the Department of Education on XX/XX/year>. When trying to get the XXXX credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXX, Texas Educational Loans etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.
Product: Debt collection

Contacted PORTFOLIO RECOVERY, regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.
Product: Debt collection

Heres how you can adapt your complaint for submission to the Consumer Financial Protection Bureau ( CFPB ) : -- - Complaint Against Experian for Failure to Investigate Credit Dispute Subject : Failure to Investigate Credit Dispute Date Submitted : [ Date ] Summary of the Issue : I am filing this complaint against Experian for failing to properly investigate a dispute I submitted regarding inaccuracies on my credit report. Despite providing all necessary documentation to support my claim, Experian did not conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ).

Details of the Dispute : Accounts are closed & inaccurate Date Dispute Filed : Multiple Days Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Dispute : incorrect balance, account status, incorrect dates Despite this, Experian has either failed to respond appropriately or has dismissed the dispute without addressing the evidence provided. The inaccurate information remains on my credit report, causing harm to my credit score and financial standing.

Violations of the FCRA : Experians failure to conduct a reasonable investigation violates my rights under the FCRA, specifically : Section 611 ( a ) : Requires credit reporting agencies to investigate disputes within 30 days.

Section 611 ( d ) : Mandates the provision of results from the investigation and the correction or removal of inaccurate information.

Resolution Sought : I am requesting the following actions : 1. A thorough reinvestigation of my credit dispute.

2. Correction or deletion of the inaccurate information from my credit report.

3. A detailed explanation of the investigations findings.

4. A free updated copy of my credit report.

Desired Outcome : I seek a resolution to this dispute and assurance that Experian will comply with its legal obligations under the FCRA.

Thank you for your assistance in addressing this matter.