23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a equity loan with Chase bank on my house. It is a 2nd mortgage that is only in my ex-husbands name. I was awarded the property in the divorce and he quit claimed his interest to me. I am the sole owner of the property. The loan went past due and all communications and written notices were redirected to my ex husband. Chase foreclosed and a sheriff sale is scheduled.

I work for a XXXX  and contacted our Director of Collections. He made me aware of my rights as the Successor in Interest. When I called and told Chase that I could easily prove my Successor interest, they clearly had no idea how to handle the situation, even after I provided the divorce decree and quit claim deed. One representative said that my ex husband had to be dead. Based on the recent regulation that went into affect XX/XX/2018, it is my understanding that my divorce situation qualifies me as the Successor. All I want is for someone at chase to provide me basic loan info so I can pay this debt and avoid foreclosure. I have been rotting on hold and have been passed around to people who clearly are not properly trained.
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Debt collection

I have sent 3 Certified Mail to this unscruplous people, requesting for ; 1. proof/ legal right to collect this debt, 2. original contract with my wet signature and 3. Itemized bill. 4. I have no contract with them, they keep sending me the same thing over and over again, which is absolutely not what I requested. 5. I have disputed this debt as well with all credit bureaus, upwards of 3+ times, no resolve! 6. Validate this debt. 
I have recorded conversations with them which will prove my utterance. it's perfectly legal in Texas to record conversations, this is a one party consent state. I am now reaching out to my Congresswoman, my Senator 's office and DC. I am also starting a petition on XXXX, my hope is to get enough signatures to stop this people. Judging from all this complains, that will be a walk in the park. Enough is enough.. 

Desired settlement : Delete this apparent joint debt from my credit report.
Product: Credit reporting or other personal consumer reports

I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}
Product: Checking or savings account

I attempted to sign up for a high yield offer for my double cash credit card in the citi app. There is a technical error preventing me from accessing the reward I should have been able to receive. I contacted support and XXXX asserted that I dont have any offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Incorrect Information from My Credit Report Complaint Number : XXXX Dear CFPB Team, I am writing to follow up on my previous complaint submitted on XX/XX/year>, regarding an incorrect late payment inquiry on my credit report from XXXX. Despite the fact that the payment in question occurred in XX/XX/year>, it was mistakenly reported as late in XX/XX/year>, which is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), if the disputed information can not be verified within a reasonable timeframe, it must be removed from my credit report. Specifically, Section 611 ( a ) ( 5 ) states that if the information can not be verified, it must be deleted from the consumers file. 

Given that the payment information has been shown to be incorrect, and XXXX has failed to resolve the dispute within the legally required timeframe, I respectfully request that the incorrect inquiry be completely removed from my credit report. This erroneous entry is negatively affecting my credit profile, and I seek your assistance in ensuring its removal in accordance with the FCRA. 

Please let me know if further documentation is required from my side to expedite this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely
Product: Vehicle loan or lease

ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.
Product: Bank account or service

I was depositing a XXXX Bank check ( made out to me ) at my Wells Fargo Bank branch on XXXX XXXX in XXXX, WA. I 'm a long standing customer with WFB, have XXXX thousands of $ s in my acct., a WFB visa card ( in excellent standing ) and a safe deposit box. The teller in question has seen me conducting business several times in the branch. As I was depositing my check ( no cash back requested ), she " XXXX '' asked me : how did you come to have this check? I told her that was " private info '' and she only said : I 'm just making conversation. No mention from her about needing to ask me for " bank '' reasons, just " making conversation ''. I called the branch mgr. who seemed oblivious to the highly inappropriate and unprofessional action her teller had taken towards me. Later, something occurred to me. I 'm XXXX XXXX and she is XXXX. I believe she " profiled '' me as someone to watch out for, to be suspicious of, leading her to ask me " how " I '' got the check from XXXX bank. She should be " officially '' reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with XXXX XXXX XXXX is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.
Product: Mortgage

Loan No. XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Among others, NewRez handles my mortgage payment on the property above. Though I have been making payments on time, due to a clerical error on the part of NewRez, the payments I made were placed in applied status or credited to a different line items. NewRez seems to make this error quite frequently. NewRez has also done this to two of my other loans. Therefore, NewRez not only did charge me with late fees ( subsequently corrected ), but also reported this to the Credit Bureaus. At no time was I late in any of my payments. NewRez seems to have issues with properly handling my payments. I had advised NewRez to correct this oversight and send me a copy of the letter to the Credit Bureaus, I have not received any communication from them. A recent credit check showed that I am late in payment to NewRez. NewRez seems to ignore my communications and phone wait is over 3 hours and the times I have contacted an agent on the phone, they seem to make more problems with the account in entries of my payments. 

I want NewRez to correct their oversight and report this to all the credit bureaus and provide me with a copy of this communication for my records. 

Thank you
Product: Debt collection

My issue with this company is that I received a letter which was dated XX/XX/XXXX I did not receive this letter until XX/XX/XXXX also this letter was opened they didn't even seal it. I never had the opportunity to dispute this debt in writing due to this company 's failure to send it at the appropriate time it was also unprofessional on the part of the company to send the letter opened.
Product: Debt collection

I was notified from an ambulance company they would be attempting to collect money from me for services I did not request, and did not receive. They were on behalf of a minor child to my wife who I have no legal connection to other than marrying his mother. The ambulance was called to the scene of an accident by some stranger and the service was not needed and flat out REFUSED at the scene. My XXXX XXXX refused treatment and I was not even present on the scene at the time of the accident. On XX/XX/2020 I notified the ambulance that they needed to cease and desist billing me for this unwarranted service. The driver in the accident already worked out their bill with the ambulance service via their insurance company and they were the responsible party not the passengers. A soft copy of this letter to the ambulance company will be attached. 

This bill apparently was handed over to Commercial Acceptance Company who called me multiple times at my home. I called them directly to inform them of the issue with the original creditor and they threatened my credit report with collections activity if I didn't pay immediately. I stated I requested them to cease and desist, and I would be folliowing up in writing which I immediately wrote them a formal letter demanding they ceast and desist attempting to collect on this charge on XX/XX/2020. Now in XXXX XXXX XXXX, they have reported me to the credit bureaus following through on their threat of financial harm AFTER I fired them of their services. A soft copy of the letter directly to this agency will be attached I've today, XX/XX/2020 filed an online dispute with XXXX  and will continue to dispute this unwarranted charge via each bureau they attempt to extort me with. This is financial harassment for a debt that is not mine and I am not required to pay for services we refused, did not request and were not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am presently trying to lift freeze with the three credit bureaus. Everyone I speak to is a foreign. I can not UNDERSTAND what they are saying. I ask for someone that speaks XXXX and I get another foreign person. This is ridiculous!! I began by answering security questions about my prior employment so I could lift freeze. I was given 5 answers to choose 2 from. Only 1 was where I worked. The other 4 were - 1 was my medical insurance company that I have, 1 was a credit card that I had, 1 was a debt consolidation company I used, and 1 was a company that I did business with. What gives? Because I didn't choose one from the other four answers I will have to mail in letter with a personal info. There is definitely a problem with the credit bureaus and someone should address it. My credit report has a freeze because someone compromised my account. In 2016, I had {$16000.00} of charges racked up on my account that luckily my bank caught then Equifax said my credit report was compromised. If they are so great then how the XXXX did all my info get compromised!!!. Now they worry about keeping it secure. The saying is don't close the gate after horse gets out. Hope that this sort of thing gets corrected. I am DISGUSTED with how people 's personal information is stolen and there is nothing you can do about it. I'll try an attorney next.
Product: Credit reporting or other personal consumer reports

A few inquiries placed on my credit report, was directed to deal with it directly with the credit bureau. I've filed police report.
Product: Mortgage

We XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have attempted XXXX modifications on our mortgage loan. Each time Wells Fargo performs illegal tricks in order to deny us. On the first Modification we were approved and promised some XXXX which we did n't receive, this modification was a joke. On the second modification we applied because we were in danger of default, we were denied because we were current on our mortgage. On the third modification Wells Fargo requested document after document. We received word that our modification was approved and to wait for documents in the mail for us to sign. Then Wells Fargo foreclosed on us. CA State law is that while one is in modification the Bank can not foreclose. But foreclose they did and said, " We take no responsibility ''. Wells Fargo broke the law and they knew they were breaking it. We saved our home with an emergency bankruptcy which cost us XXXX. Something we should not have been required to do but we had no choice. On the fourth modification Wells Fargo added XXXX in imaginary income so that we would not qualify for the modification. They justified the XXXX we did n't receive with extremely vague reasons. We then went to Keep your Home California, they instructed us to request documents for a modification from Wells Fargo to begin the process of helping us. When I called Wells Fargo some guy started yelling at me that we do not qualify and that he was going to send us nothing. We contacted Keep Your Home CA and they said this would be bypassed for the moment. We were told by Keep Your Home CA that after they saved our home we could do the modification along with the XXXX the Federal Government was helping us with. Wells Fargo sent us recast documents to sign, the information on the documents were false. Wells Fargo called the Federal money that came through Keep Your Home CA a bona fide modification. Keep Your Home assured us that the funds they contracted to give to Wells Fargo on our behalf was Not a modifications and instructed us that they Keep Your Home CA does not do modifications. We refused to sign the false documents which angered Wells Fargo. Wells Fargo is now blackmailing us in order for us to sign the false documents. Using our home as blackmail. They have told us that if we do n't sign those documents with the false information they would send the XXXX back to the Federal Government and then foreclose on us. At this moment that is what they assured us they were doing. We were assured by a legal expert that Wells Fargo 's actions are illegal, we were told this is common practice from Wells Fargo. Also we were forced to pay double for our XXXX 2014 payment and we have a left over balance of XXXX. We have done to the best of our ability to work with Wells Fargo. The last representative we spoke to assured us that the money from the Federal Government through Keep Your Home CA is Not a modification but that it is a modification. Even though its not a modification it is nevertheless a modification and asked us if we understood these facts. My wife and I are XXXX years old and in bad health.
Product: Credit reporting or other personal consumer reports

Ref # XXXX Clarity Report for XXXX, XXXX XXXX THIS COMPANY REPORTING INFORMATION ON ME WITHOUT MY PERMISSION ALSO VERIFYING INFORMATION WITHOUT MY PERMISSION I ASK THEM TO REMOVE ANY INFORMATION THEY HAVE ON BE REMOVE I DO NOT GIVE CONSENT TO THIS COMPANY TO REPORT ANYTHING ON MY BEHALF THIS COMAPANY STOLE MY INFORMATION WITHOUT MY KNOWLEDGE ALSO EXPERIAN RELASED INFORMATION ON ME. NAMES ADDRESSES NUMBERS ID NUMBER DOB AND LOAN NUMBERS AND ANY INFORMATION LINKING ACCOUNTS REPROTING WITHOUT MY CONSENT UNDER 15 USC 1681A REPORTING INFORMATION IS CONSIDER VOILATION ON PRIVACY TO RIGHT 15 USC 1892
Product: Credit card

Good day, I paid my XXXX Master Card, under Continental Financial, credit card bill in full on XXXX XXXX, 2017, before it was due and on XXXX XXXX, 2017, I was charged a {$10.00} " monthly maintenance fee '' so I contacted XXXX Credit Card customer service, on XXXX XXXX, at XXXX, and inquired about a monthly fee when the balance is XXXX and the customer representative informed me that every month I will be charged {$10.00}. I think that is not only unfair but unscrupulous practices. I paid off my credit card in full to increase my credit score and increase my available credit, but now I will close my account immediately after I pay this insane {$10.00} fee to maintain my account ; when there is absolutely nothing to maintain. I will continue to complain and shed light on these practices. Thank you and have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did XXXX.
Product: Checking or savings account

My personal checking account was charged monthly fees for about 1.5 years at $ XXXX, incorrectly due to Chase Banker fraudulently converted my account without informing me any information about the fees, giving me wrong information about my personal account was linked to my business account, so my balance was never low and shouldnt be charged any fees. 

I used to be XXXX XXXX XXXX XXXX ( XXXX ) client at chase, with all of my accounts linked, I was never charged any monthly fees. One day my private banker XXXX XXXX XXXX ID XXXX from XXXX MI office called me to inform that I need to deposit almost $ XXXX to my account to keep the status. I told her that it doesnt make sense for me to do that. Over the phone, she said I will just convert your account to a regular account, give me the impression everything should be the same, no fees since all of my accounts are linked, and the minimum balance requirement is low. Without explaining anything, she rushed to hang up and converted my account to Premium checking, which I had been charged $ XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was wrongly charged almost {$400.00} fees and I barely used the account. 

I talked to Chase in person at two branches and over the phone multiple times over this issue. I was told my business account and personal were not linked at all, if they were, the fees could have also been avoided. However I was still never provided any information regarding my account fees nor made them transparent to me. The branches were able to refund some of the fees. As of today XX/XX/XXXX, I am still owe {$120.00} of the fees from XX/XX/XXXX to XX/XX/XXXX. I would also like to receive cost of my time and gas to handle this issue {$120.00} over at least 15 hours, plus 5 % interests of the total fees charged to me. This will be {$270.00} in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a Complaint against XXXX XXXX XXXX for InCorrect marks on my credit file This car was total loss XX/XX/18 and I had full coverage insurance the insurance paid them They received a check from the insurance company and I do not have access to this car the car is not in my possession the car is in XXXX XXXX possession and they have reported to Equifax I have not made a payment on a car I No longer have this is fraudulent information being reported on my report this is against the law