23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Someone opened two credit cards under JPMCB card ( Chase ). They successfully opened the two accounts. The credit report shows a hard inquiry on XX/XX/2024. I have called the credit card company to close the two accounts and I also called XXXX to file a dispute on the inquiry and froze my credit file information.
Product: Mortgage

I received information from Wells Fargo on XX/XX/XXXX in regards to a reply from a previous complaint that I filed. i have yet to receive adequate responses. 

1. from XX/XX/XXXX-XX/XX/XXXX. I applied for 39 HAMP Modifications. Yet I was denied 37 Modifications although, I was approved by XXXX XXXX and Hamp? 

2. I was placed in Foreclosure in XX/XX/XXXX by Americas Servicing Company despite Evidence that I was in Good Standing. I received information from Wells Fargo stating that in XX/XX/XXXX I owed XXXX. In fact I paid the money upfront to XXXX XXXX XXXX   XXXX and when they entered Bankruptcy because of illegal practices the loan was sold several times in which the previous companies recognized payment and on time status. WHY WAS I PLACED IN FORECLOSURE FOR NON PAYMENT DESPITE THE FACT THAT YOU HAVE EVIDENCE THAT I WAS NOT? PLEASE EXPLAIN. 

3. Wells fargo and ASC ( Who is owned by Wells Fargo ) placed me in foreclosure since XX/XX/XXXX. XX/XX/XXXX ... .. and offered me a Modification in XX/XX/XXXX. YET, WHILE IN FORECLOSURE YOUR POLICY STIPULATES THAT CUSTOMERS CAN NOT MAKE PAYMENTS WHILE IN FORECLOSURE. AS a result, WELLS FARGO/ASC ATTACHED {$500000.00} to MY LOAN. COMMON SENSE SAYS THAT I WASN'T IN FORECLOSURE I SHOULD NOT HAVE BEEN DENIED ACCESS TO MAKING PAYMENTS. THE ARREARS GREW NOT BECAUSE I WAS IN DEFAULT BUT BECAUSE WELLS FARGO PLACED ME IN DEFAULT AND PAYMENTS AND INTERTEST GREW AND I WAS CHARGED FOR IT WHY? 
4. WELLS FARGO WAS INFORMED BY THE INDEPENDENT FORECLOSURE REVIEW THAT I SHOULD RECEIVE A Modification without restrictions for the following mortgage abuses : Redlining, Predatory lending ( 10 % interest rate, illegal Balloon Payment Rider, Computer Glitch which denied me and thousands of other customers Modifications and numerous other crimes ETC. ). Yet, Wells Fargo refused to honor the Modification. WHY? Clearly the Federal reserve board who investigated the loan knew what they uncovered. Yet Wells Fargo sends documents and refuses to Answer the questions. WHY?

5. Where did my {$37000.00} worth of payments Go? And why weren't they applied?

6. Why was I placed in Foreclosure when you clearly had the payments?
Product: Payday loan, title loan, or personal loan

My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.
Product: Debt collection

Seven years ago, I worked with this company in court to determine an amount owed, and a payment plan. I have a receipt from seven years ago showing my account is paid in full. They continue to try and collect, seven years later and two attempts for no contact. Please help me to get them to stop contacting me over this debt. They have the receipt on file and they will not stop.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains inaccurate information that has not been resolved despite my efforts to dispute it with Experian. 
Details of Inaccuracy : Account Name/Number : XXXX  XXXX Issue : Account has never been late and is paid and closed Dispute Efforts : I contacted the credit reporting agency on XX/XX/year> to dispute the inaccurate information. Despite providing supporting evidence, the information remains uncorrected. This error has negatively impacted my credit score and financial standing, leading to denied credit applications, higher interest rates, and emotional distress.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are inaccurately reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off but that is not correct. Any account charged off with a balance is should be refunded to the consumer furthermore neither agency provided me with evidence that this account is indeed a charge off. You will need to provide the documents or turn any recording you have that proves you spoke to someone to verify this information before you furnished it on my consumer report. It is my right under FCRA that each account be properly validated.
Product: Debt collection

On XX/XX/2023 I was involved in a car incident at XXXX XXXX that resulted in the front end of my car being ripped off and the other vehicle having a damaged tire and scrapes on the side. I exchanged insurance information with the driver and returned to work while on a XXXX shift. I serve in the XXXX XXXX and was on this shift at this time and went to grab breakfast. I filed a claim with my insurance company at the time ( XXXX ). XXXX proceeded to claim I did not have a driving insurance policy even though I was paying for collision coverage which by XXXX 's definition states it is for when your vehicle is in motion and you are at fault when you collide with another object. A few weeks later, the driver of the other vehicle notified me that XXXX refused to pay for the damages to his vehicle. 

A year had passed, and a company named " National Service Bureau '' contacted me from a Washington XXXX number, claiming to represent XXXX XXXX ( the insurance company of the other party ). They asserted that I owed XXXX a significant amount of money, or my driving privileges would be suspended/revoked. They proceeded to call my aging mother at her home in Maryland even though I had not lived there for a few years. They appeared to use a different phone number each time they called and it would occasionally be labeled as " spam '' or " potential scam. '' I sent a debt dispute to the XXXX and provided an address to send written correspondence to that was my up-to-date residence. The XXXX continued to call my mother halfway across the country and she is the only person I know to have received any mail from them. I have not received a piece of written mail from them, my unit has not notified me of any mail from the XXXX, and I did not receive any mail from the XXXX out of my UPS box. They continue to claim I owe this debt over the phone over the false assertion that I had no car insurance at the time of the incident. They also continue to threaten to revoke/suspend my driving priviledges under this false assumption.
Product: Mortgage

I am currently past due on my mortgage, which is serviced by Specialized Loan Servicing. When I tried to make a payment online ( XX/XX/19 ), I was unable to do so because of the delinquency, and was directed to call its service center. When calling the service center, the representative said that I would need to pay a fee to make the payment over the phone. I asked to speak with a supervisor, and was placed on a lengthy hold. When the agent returned, she said that the supervisor would call me back, which did not occur. 

I called back the next day, and had a similiar experience. The agent spoke with her supervisor, and still refused to waive the fee. 

It seems a bit unfair and abusive to restrict usage of the website, and still require someone to pay a fee, making it more difficult and expense to try to pay one 's mortgage. 

I asked the representative to file a complaint, but she said she could only log my " dissatisfaction. ''
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 XXXX200.00}
Product: Credit card

Hello. I was purchasing an airline ticket through XXXX XXXX online when during the checkout process, I was invited to apply for the Citi AAdvantage Platinum Select Card. There was a {$400.00} statement credit and XXXX points bonus. My credit is exceptional. Over XXXX ( currently XXXX ) with no derogatories and never a late payment my combined balances are under XXXX and I have a good steady income. Citi declined my application. I was not able to get a rep on the phone for over 2 hours. I finally had to call XXXX XXXX to have a manager contact Citi. They declined me for the simple fact that I was going to use the statement credit towards the current purchase and they didn't think based on my history and low balances that they would make enough money off of me. This decline has negatively impacted my excellent credit score that I have worked years to maintain. They are not allowed to decline me just because I wanted to use the card for the bonus. I believe that Citi has engaged in predatory lending practices and have caused harm to my credit score not to mention all of the stress, aggravation and wasted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple disputes of fraudulent bankruptcies with inaccurate information on reports. Experian says I need to contact XXXX XXXX and they are verifying the information as Accurate. After contacting XXXX  XXXX, they proved that Experian is not verifying such information with them because they have no bankruptcies to report or verify. Experian repeats false reportings of wrong information and its inaccurate and not verified. And stating it will remain on file for 10 years. Under what laws? They are faking verification an not verifying with the source which is against the law and violating my rights to fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency. Additionally, it is noteworthy that the financial institutions sharing this information with Chex Systems are not related by any common ownership or corporate control, rendering Chex Systems a non-affiliated third party. According to the Fair Credit Reporting Act, the unauthorized sharing of consumers ' nonpublic personal information with any non- affiliated third-party consumer reporting agency is considered a breach of identity protection. I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information. Moreover, as per 15 USC 1681 ( d ), any " person, '' including corporations like Chex Systems, may not procure a consumer report on any consumer unless there is a clear disclosure to the consumer that an investigative consumer report may be created. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I did not receive any written disclosure from Chex Systems regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record. To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer. I appreciate your immediate attention to this matter and anticipate a thorough investigation into the inaccuracies outlined in this letter. Your adherence to the FCRA is crucial in ensuring the fairness and accuracy of consumer reports. I look forward to your timely response. Attached below is my Driver License to validate
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : Account Name : XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$2600.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$1300.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$590.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Debt or credit management

On XX/XX/14 I received a description of service with the type of XXXX I had and other personal information. Then I was send an itemized list from a third party with all the different types of medications I was given and all the types of XXXX  that was use on me, etc. It came from the third party company. I feel that my privacy was violated and Im not sure what to do about.
Product: Mortgage

I sold a house on XX/XX/2021 in XXXX county Nebraska and it was paid off that day. I had a mortgage with Amerisave mortgage on the property. Amerisave sent out half of the property taxes on XX/XX/2021 in the amount of {$850.00}. XXXX county sent the {$850.00} back to Amerisave on XXXX XXXX as it was a double payment because i paid the property taxes at closing on XX/XX/2021. Amerisave has been giving me the run around on where my money is. I get new stories every time i call in. They keep saying waiting for the check back. We are three weeks later and they refuse to cancel payment on original check and reissue. They refuse to give me my money that is owed.
Product: Debt collection

It has come to my attention Jefferson Capital Systems is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXXXXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Systems is reporting that my XX/XX/XXXXbank account was closed due to " checking account fraud. '' I contacted Early Warning Systems twice in writing about this to dispute the report but they claim thatXX/XX/XXXXXXXX XXXX verified it as accurate the first time and declined to reinvestigate it the second time without new information. XX/XX/XXXX Reports that I committed checking account fraud and that my account is " unpaid. '' I have never committed any fraud and I don't owe them any money. They also report a different driver 's license state and ID # on file for me. I have a Wisconsin driver 's license and they show a California driver 's license on file. Although I provided a copy of my Wisconsin driver 's license to Early Warning Systems, they refuse to investigate my claim without new evidence. EWS states thatXX/XX/XXXXverified the information they reported. 

I contacted the consumer protection department at XX/XX/XXXX to request documentation or to confirm the reason for the closure of my account but they refused to send me any documentation. I also requested that XX/XX/XXXX correct the report but they declined. The agent only stated that the bank made a " business decision to close the account ''. 

I'm unable to open a new bank account as a result of this reporting.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : - Company Name : Experian - Company Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX ( Experian customer service ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the US BANKRUPTCY COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/year>. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/year>, I sent a written dispute directly to Experian requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.