23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My then husband and I applied for and received a line of credit/second mortgage. At the time of our dissolution, he agreed to and was then ordered by the Court through our Marital Settlement Agreement to pay the first and second mortgages. In XXXX, he and I tried to modify said second mortgage. During that time of waiting for the modification, my ex-husband became delinquent in the payments and the house fell into foreclosure. At no time did Chase notify me that the payments were delinquent. I was not notified of the foreclosure and only heard about it on the day the house was sold at foreclosure. The ONLY reason I knew that a foreclosure sale was happening is when a man knocked on my front door and asked to do a quick walk through 30 minutes prior to the sale. I subsequently learned that a second mortgage foreclosure sale in not reversible in California. 

On or about XX/XX/XXXX, my ex-husband received a letter and check from Chase. A copy of which I am attaching to this complaint. 

I have tried to contact Chase to discuss this but was told that because I was not on the account, they would not talk to me. I am on the Deed of Trust, a copy of which I also enclose. 

I believe that Chase had a duty to notify me that the payments were delinquent AND that a foreclosure sale was eminent. They did neither. 

When I was forced to move I incurred hotel room rental, moving, and storage expenses. Because I was only receiving Social Security XXXX at that time, I had to borrow money to pay for all of the above from family and friends. I am still working to repay those personal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized there are accounts that are not mine which I have no knowledge of. I am a victim of identity theft and am attaching my notarized affidavit. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to seek the assistance for unrefunded charges to my credit card : XXXX XXXX XXXX {$310.00} ( Transaction Date : XX/XX/2024 ; Posted Date : XX/XX/2024 ). 

The XXXX XXXX XXXX booking was made by mistake, and I immediately contacted customer service to notify them. They assured me that the booking would be canceled, which they did. I was told that I would receive a refund, but after several weeks, I still have not received it. As a result, I filed a dispute for this charge in Chase. I also contacted the XXXX XXXX XXXX, and they confirmed that XXXX never paid them for this transaction. I contacted XXXX and they told me that i need to contact Chase since they do not have an update regarding the status of your dispute. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX'. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Product: Credit reporting or other personal consumer reports

My account with the company and i 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 MONTHS REPORTING LATE 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.

This company 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: Vehicle loan or lease

Due to unexpected financial difficulties, I fell behind on my car payment. Initially, I was late about two weeks or so, however, I am now paying approximately 30 or so day after the payment due date. 

During this time, which began around XX/XX/2019, the company has been charging me a late fee after my 10 day grace period. I have not requested fee waivers as I understand how my grace period works. I own approximately {$250.00} in late fees. 

Since I am unable to make a {$1200.00} payment to bring myself current, the late fees continue to accrue. To help avoid more fees, I asked the lender if they offered any kind of assistance programs to help me get current. The lender advised they offer a payment extension program that would take the past due payment ( s ) and roll them to the end of the loan. When I asked to participate in the program, I was told the loan had to be current and the Late Fees had to be paid off. 

What's the point of offering an extension program, when the lender requires that the loan is current. If the loan is current, I wouldn't need an extension of payments. IN addition, how is a lender allowed to offer such a program, but require a customer to pay the total late fees in order to participate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below.

However, you did not provide proper verification the last time I requested this verification.

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.
Product: Vehicle loan or lease

One year after purchasing a XXXX XXXX XXXX from Bridgecrest Financial Inc. XX/XX/XXXX the issues began and never stopped. Three transmissions and two motor failures occurred from XX/XX/XXXX untill the last incident in XX/XX/XXXX which is currently an open claim on my insurance policy. I started experiencing financial hardship after the first issue and explained this to them and was accommodated by pushing one payment to the back of the loan. This didn't help much when the issues continued on a monthly basis. Then the Pandemic hit us like a train. I had to call Bridgecrest again and ask for help. They in turn told me that they had help because of the pandemic we can skip that months payment and all future payments will be applied to the principal of the loan, every single XXXX of the payments will be interest free. This was great news to my Wife and I. It was such good news that it made my Wife break out into tears of joy. We agreed to the new terms as quickly as we could before they changed their minds. We DocuSigned everything and went about our sheltering in place. A couple months later and a couple months payments later I received a few new alerts on my credit reporting agencies. I then went to see what was going on with the alerts on their websites and the apps I have just for this sort of thing. I find out that Bridgecrest Financial Inc has submitted a new derogatory report for non payment they have CHARGED OFF the loan as a bad debit/loan I was shocked and stunned that they did this to us when we thought they were helping us they in fact have ruined us financially. This and all the hardships from the time I bought this truck has prevented me from getting a home loan of any kind and will continue to for a very long time. My fico score has dropped beyond belief. This help program they called it I believe only helped them Bridgecrest was able to write my loan off as a bad debit and received special funding for catching off my loan and in turn gave me even more financial hardship for years to come. To me this if unfair lending practice and unfair credit reporting at it's worst. I'm at a loss for words because of the greed of Bridgecrest and it's sister companies XXXX XXXX, and XXXX XXXX are beyond imaginable.
Product: Debt collection

Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. 
I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. 

First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay.

Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor.

SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT.

I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$390.00}, XXXX  XXXX Date Opened : XX/XX/2022 Balance Owed : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong balance reported on my XXXX and XXXX  credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached
Product: Checking or savings account

I have 10 transactions that are payments made to a company called XXXX XXXX. I have ordered from this company for years. The way the company works is you make a purchase to reserve an order of bulk meat that will come a few months in the future. XXXX  is essentially cutting out the middle man grocery store and delivering from the farm or supplier. They abruptly shut down the website/company with a simple message that said they are no longer in business. I was scheduled to have 10 orders coming! I immediately filed the claim with full documentation to my bank. Documentation including charges, confirmations of orders and scheduled delivery dates that never happened. The bank gave me a temporary credit and is now denying my disputes saying it is outside of the time frame. The nature of this company is outside their time frames, I filed immediately. Literally the day it closed. I have escalated it with not much help. These were not pin pad transactions so I was hoping that would help. We can not take a loss {$940.00}!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have taken over 4 business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/year>. I sent certified tracking to make sure : XXXX XXXX XXXX. I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Product: Credit reporting or other personal consumer reports

I sent out dispute letters to each Bureau XXXX, XXXX, Transunion regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, XXXX, Transunion and also The FTC report regarding the unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiMortgage is still reporting a 30 day late payment from me on both XXXX XXXX and XXXX from XX/XX/XXXX. This delinquent payment occurred 15 years & 8 months ago. CitiMortgage has been asked by XXXX XXXX on my behalf to remove this ancient information from both agencies. They are refusing to do so stating that it will not be removed until XX/XX/XXXX ( which is one month shy of 16 years ). They  are well past the statute of limitations for negatively reporting this credit issue against me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # : 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: Mortgage

I, applied for an Amerisave mortgage. While speaking with the lender I was told to out to put XXXX down to save my interest rate. I was never told or notified this is not refundable. Now the loan did not work out and they will not refund my XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Product: Debt collection

Good Afternoon, My name is XXXX XXXX and I have a medical debt ( {$2300.00} ) that my insurance company ( XXXX ) already paid. If you would like to talk to them about it, please call them at XXXX. This debt has been sent to debt collections, even though I communicated with the XXXX XXXX folks about 20 times over the last now 3 years and sent them the contact info for my insurance company. XXXX told me the hospital was trying to double bill me. I complained about this last year, as well to you all. I was in a car accident that cops determined was the other driver 's fault. I went to the hospital to get imaging done for my neck. The other driver 's insurance company promised to pay all medical debts. My XXXX was paying the debts up front and billing the other insurance company ( progressive ) for compensation. Unfortunately, I am still dealing with this and feel I am being harassed. I have tried calling the debt collection agency ( Healthcare Revenue Recovery Group - HRRG ) and they never pick up the phone. Please help me! A new billing letter was sent to me on XXXX XXXX, but I did not receive it until a couple days ago. I am stationed on XXXX XXXX in AZ right now and can be reached at XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX  Account
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting or other personal consumer reports

I sent a letter XX/XX/2024 Equifax and XXXX. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

According to the law 15 U.S code 1681a- Definitions rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information, shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this investigation