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

On XX/XX/XXXX my Equifax score was a XXXX which did not reflect the recent removal of collection accounts. On XX/XX/XXXX there were a total of 20 changes to my Equifax report which includes the removal of 4 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no way possible that with the removal of these accounts and inquiries that my consumer score only increased by a single point. This is CLEARLY a VIOLATION of 28 USC 4101 ( 1 ) AND Texas Civl Practice and Remedies Code Title 4. LIABILITY IN TORT CHAPTER 73. LIBEL SUBCHAPTER A GENERAL PROVISIONS SEC. 73.001 -Acts 1985, XXXX XXXX Ch. XXXX, Section 1, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$6600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am in the middle of a refinance transaction with NewRez. They are the current servicer of my XXXX loan. I chose them over other options but as soon as I stopped " shopping '' and signed the loan estimate with them, they became completely unresponsive. XXXX was great and I enjoyed working with him. I'm not sure what's going on. 

I've paid for an appraisal and am currently on a rate lock through XXXX. However, when i asked about floating down to a lower rate, my loan officer went ahead and moved me down and added a point to my loan scenario. Previously he's encouraged me to sign loan scenarios, stating that he'll be able to credit me for the cash it shows me bringing to closing at the end of the process. I took him at his word the first time but am starting to get uncomfortable with promises and am not getting answers. I followed up with him daily for 2 weeks since XX/XX/12 when I reached out to him with my concerns and questions. I have not heard back. I've also reached out to the loan processor and my loan officer 's boss. No responses there either. I then called customer service on Friday and again this morning and they sent out an " alert '' to everyone on my account and their supervisors. Still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
Product: Credit reporting or other personal consumer reports

XXXX has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with XXXX, the first is an education loan from XXXX XXXX XXXX, account number ending in XXXX, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX XXXXAccount Number CLOSEDAccount Status Last Payment Amount 0Late Payments XXXX XXXXAge of Account Amount {$4000.00} They have failed to remove from my XXXX credit report
Product: Mortgage

Wells Fargo services my commercial loan. In XXXX of XXXX, the tenant in the building failed to pay the real estate property taxes which are required by the lease. In XXXX of XXXX the tenant filed bankruptcy status and closed the business. Wells Fargo was required to monitor and manage the loan and insure that property taxes and insurance was continually paid up. Wells Fargo failed to identify that the tenant did not pay the property taxes and now I'm stuck with a {$27000.00} bill for their property taxes. This is a horrible lapse in servicing and Wells Fargo should reimburse me for this expense incurred due to their business failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXXl XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly and continuously tried to send Equifax Informational Services herein Equifax a letter which depicts that an Inquiry specifically that of XXXX XXXX  made on XX/XX/2020 was fraudulent and I was a victim of identity theft., Since this time and Day of XX/XX/2020 I have repeatedly sent Equifax notices of Identity Theft and Affidavits stipulation that the Inquiry of XX/XX/2020 that of XXXX XXXX was not made by me neither did it have any permissible purpose nor did I XXXX XXXX XXXX XXXX XXXX initiate said request., I even sent them notification from XXXX XXXX  dates XXXX XXXX XXXX stipulating that I was I was a victim of Fraud.. After three attempts I have contacted an attorney who has first requested that I submit a complaint with CFPB before initiating a lawsuit.
Product: Debt collection

Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX-XXXX-XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XX/XX/XXXXXXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/XXXX Divorce : Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation XX/XX/XXXX -XX/XX/XXXX : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' ( XX/XX/XXXX ) owed is {$4100.00} -XX/XX/XXXX : Ex-spouse and new husband file bankruptcy and include " Account '' on it -XX/XX/XXXX : I find out about account past due balance and bankruptcy.  Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with XXXX, Experian, and XXXX  regarding the " Account ''. XXXX has deleted it from my report. Provided additional information and details in writing and online to XXXX & Experian, with no result of deletion from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Focus Receivables Management shows up as a collection on my account. I have contacted this company to verify this debt prior to reporting to my credit report. I still haven't received the information yet. I have been with my current cell phone company now for 9 years and there is no way that this debt can be mine since this company is past the XXXX year old. In XXXX of 2020 anther collection agency tried to put this same account on my credit report and still no one is verifying this debt. How can this debt still report on my credit report this company has not contacted me also being with my current company for 9 years.
Product: Credit card

I applied for many credit cards and was denied on credit karma in the beginning despite it being my account. Additionally, I found a credit that didnt match me at all. Yet, magically disappeared after I contacting XXXX XXXX I am seeking XXXX XXXX in damages if possible. I XXXX XXXX XXXX XXXXXXXX XXXX XXXX and this would have allowed me a great business loan. Thanks!
Product: Checking or savings account

On XX/XX/XXXX, I received my first direct deposit, from my Texas XXXX XXXX, for Pandemic Unemployment Assistance. I had been receiving the money via XXXX XXXX  XXXX, since XX/XX/XXXX. I had to recertify after the bill was left unsigned on XX/XX/XXXX. So I have a legal right to receive the benefits. 

The VERY NEXT DAY, after receiving my money, on XX/XX/XXXX, Chime placed a hold on my account for suspicious activity, regarding my PUA. I gave them all if the necessary information regarding my new address, since I subsequently moved to California, since I couldn't work in XXXX due to Covid. I provided my XXXX XXXX from Texas XXXX XXXX, My State of CA XXXX, my Social Security Card, and proof of address, with a letter from the management company of the apartments I reside in. They then questioned me as to why was my spending for 2019 in XXXX, to which I explained my school and Apprenticeship. They keep running me in circles, neither accepting the documentation provided, or by closing my account and refunding what was left. I was then told by XXXX, XXXX, and XXXX, to resubmit the information on four different occasions. After talking to representatives and supervisors at the Chime Customer Call Center, and resending my information over and over again, they ubruptly ceased communication with me. I have been told that XXXX has policies in place for suspected fraud, and my account had raised red flags. However, they are now refusing to return my money, or reopen my account, that I have given all necessary proof to show that the funds deposited are legally mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded XX/XX/22 stating that according to 34 CFR 682.410 ( 6 ) ( 5 ) they are required by federal regulations to report to all credit bureaus. This is in fact true, however, they neglected to state what needs to done before they can report. 34 CFR 682.410 ( b ) ( 6 ) ( ii ) states the following : ( ii ) Within 45 days after paying a lender 's default claim, the agency must send a notice to the borrower that contains the information described in paragraph ( b ) ( 5 ) ( ii ) of this section. During this time period, the agency also must notify the borrower, either in the notice containing the information described in paragraph ( b ) ( 5 ) ( ii ) of this section, or in a separate notice, that if he or she does not make repayment arrangements acceptable to the agency, the agency will promptly initiate procedures to collect the debt. The agency 's notification to the borrower must state that the agency may administratively garnish the borrower 's wages, file a civil suit to compel repayment, offset the borrower 's State and Federal income tax refunds and other payments made by the Federal Government to the borrower, assign the loan to the Secretary in accordance with 682.409, and take other lawful collection means to collect the debt, at the discretion of the agency. The agency 's notification must include a statement that borrowers may have certain legal rights in the collection of debts, and that borrowers may wish to contact counselors or lawyers regarding those rights.

None of this information was given to me at all. Another law broke. I did not wish for them to supply me with the information now as it is already to late. I want this account immediately deleted from my report ( s ) in its entirety.

If you choose not to comply, you leave me no choice but to take this matter to Federal court. I will also notify the Attorney General as well as the XXXX.

Regards.
Product: Mortgage

This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 

In XXXX, I refinanced my home with Washington Mutual, and the loan was later serviced by Chase. My mortgage payments were timely paid from the refinance date through the end of XXXX. In XXXX, I filed a petition for Chapter XXXX Bankruptcy, and included my mortgage. The bankruptcy was discharged in XXXX of XXXX. I did not re-affirm my legal obligation to pay the loan. 

In XXXX of XXXX, a lawsuit was filed against Chase on my behalf to defend a foreclosure. The state court ordered a temporary restraining order. Chase removed the matter to a federal district ; this matter was later dismissed. 

Following the dismissal, Chase again attempted to foreclose on my home. On XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau against Chase regarding their mortgage practices. This foreclosure was cancelled pending Chase 's investigation. 

On XXXX XXXX, XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XXXX XXXX, XXXX, Chase approved me for a trial payment plan XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). 

In XXXX XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

On XXXX XXXX, XXXX, I called Chase to inquire about their failure to report the modification and monthly mortgage payments. Chase representatives responded that it appeared that I did not " reaffirm '' the loan during the bankruptcy proceeding, and as such they have no duty to report same to the credit bureaus because and I have no legal obligation to them. 

Chase 's response is faulty, as the modification is a contractual obligation between me and Chase that is legally binding, and is the same as reaffirming mortgage debt. The Agreement contains various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to XXXX parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the trial payment plan and Modification Agreement. These payments are from XXXX XXXX to the last payment.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has led to fraudulent accounts being opened in my name. To protect my credit and prevent further damage, I am formally requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX year ago I submitted a complaint and at the time US Bank claimed to have resolved this issue and sent me a letter saying that it has been resolved. This month I received a letter saying that the same issue has continued to happen. Please see case number : XXXX. 

I originally had a loan with XXXX XXXX Mortgage XXXX and that loan was sold to US Bank. At that time XXXX XXXX XXXX XXXX XXXX signed over and sent the money orders to US Bank. US Bank claimed to have not received the money orders initially but then said that they have received them but had not cashed them. They were charging me late fees and reporting missed payments on my credit report due to this issue. My XXXX XXXX has dropped more than XXXX points due to this issue. I received a letter on XXXX of XXXX stating that this issue was resolved and that they would update my credit report. Although my credit report has not been updated, I had n't heard anymore about this issue until XXXX of XXXX saying that the money orders were either not received or not cashed. The only option they gave was placing a stop payment on the money orders which comes at a cost ( that they are not willing to pay ) and that process takes at least XXXX weeks. In the meantime they are still reporting negatively on my credit report and charging additional late fees. Please help.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.