23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for Loan modification on XX/XX/2021. Never received any other written communication regarding the loan modification. Sometime around XX/XX/XXXX. I noticed that my account was showing that a loan modification had approved. I waited a few days and after I did not receive the modification papers in the mail, I sent a message via SLSs online messaging portal on XX/XX/XXXX. I requested information about the loan modification and I requested tracking information on the modification packet. I received no response. I sent a 2nd request on the same message portal on XX/XX/XXXX. I didnt not receive a response back until XX/XX/XXXX, when I was notified that the deadline to return the packet that I never received was that day. This is a direct violation of 1024.41 Loss mitigation procedures which requires borrowers to be notified in writing. 

I sent a Notice of Error/Qualified Written Request. Which has not been answered. The violation has not been remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/XXXX, I applied for a Checking Account at the XXXX XXXX XXXX ( XXXX XXXX, Officer ), with a {$100.00} Deposit. Chase currently had a promotion that if a customer opens a New Chase Checking Account with a Direct Deposit, I would receive {$150.00}. After completing my application ; and after XXXX XXXX ran several inquiries, I received my Checking Account. 

On XXXX/XXXX/XXXX, I received a Letter from Chase stating they could no longer support my banking account, and will closed my Account on XXXX/XXXX/XXXX. I immediately contacted Chase to find out the reason, an XXXX ( Loss Prevention ) stated she would not reveal the reason. 

Therefore, I believe I was denied a Checking Account based on my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous dispute with both XXXX and TransUnion, some apparently go removed, ca n't tell, but what I responding to is no change score for anything. I was just released from XXXX hospital for a debt, and soon should be coming off as well, as the are under the XXXX issues After the divorce the mortgage came off My credit, XXXX, nothing And I was waiting for XXXX. Now all my bankruptcies should be gone, I should be at XXXX, not XXXX, please look into in, please. Contact me at XXXX XXXX XXXX ( XXXX ) -XXXX, thank you so much!
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$5200.00} US DEPT ED XXXX Balance {$7700.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report and saw that Experian is inaccurately reporting information on my credit report. More specifically, reporting 30 days late on my XXXX XXXX/XXXX account for the month of XX/XX/XXXX.

On XX/XX/XXXX, I contacted XXXX XXXX/XXXX  regarding the Experian reporting 30 days late on my credit report. XXXX XXXX/XXXX provided me with correspondence indicating that XX/XX/XXXX should be reporting as current and that they would notify the credit bureau of said status.

On XX/XX/XXXX, I again pulled my credit report and Experian did not update the 30 days late to current. Therefore, I filed a complaint with the CFPD ( Complaint Number XXXX ) against Experian.

On XX/XX/XXXX, I received a notice from CFPB that Experian had responded to the complaint. Experian states that they contacted XXXX XXXX/XXXX and They responded and verified that the disputed information was accurate as reported. It said information was accurate as reported, then please explain why XXXX XXXX/XXXX  would provide me with a letter indicating that the XX/XX/XXXX 30 days late should be reported as current?

On XX/XX/XXXX, I received an email from Experian indicating that it could take up to 45 days for me to receive results.

On XX/XX/XXXX, Vague correspondence from Experian indicating reinvestigation is submitted and complete.

On XX/XX/XXXX, Correspondence from Experian indicating the XXXX XXXX/XXXX   account was updated but it is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Experian indicates Experian is currently investigating the disputed account information.

On XX/XX/XXXX, Correspondence from Experian indicating the reinvestigation is submitted and complete and was updated but is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Commentiy XXXX/XXXX  indicating that the account should be reporting as " current '' NOT " 30-days late ''.

On XX/XX/XXXX, Pulled my credit report once again and Experian is still reporting this as late.
Product: Debt collection

XXXX has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by XXXX IMMEDIATELY.
Product: Checking or savings account

ON XX/XX/XXXX of XXXX  I was a victim of a XXXX  accident which left me XXXX XXXX XXXX. 

My wallet and some other belongings were stolen and my debit card was used by the thief in the months I was in XXXX, NO PIN WAS EVER used in these purchases. No signature either, no type of security from chase was ever granted. I was unprotected and chase never did anything about it. My father tried cancelling the card but chase denied him access because hes not allowed to do anything with my account. He had my phone and was able to login the mobile banking however he didnt know how to block the card he is old, I had to wait until I woke up from the XXXX  to find out about this, many transactions were made without my consent. I was supposed to be protected by CHASE, who is a multi million dollar company. I have proof such as a hospital discharge form, a police report and an affidavit. 

I am only asking for CHASE to do whats fair, and help me get my money back they just told me I am responsible for these transactions, however it only took them 3 days to determine this, they didnt even do the proper investigation, they didnt even give it the legal time to properly investigate this case. I am only asking for what is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX XXXXXXXX and they have allowed another person to have full access to my account.
Product: Mortgage

I contacted my mortgage company about my PMI insurance and was told to submit a request to take it off. I did that then received a letter stating that the balance was not at 30 % of what I owed so they would not take it off but if I would send some money, {$150.00}, they would consider it. I did not do that cause I'm under 30 % and they are still charging me. They claim to have an appraisal but claimed to not be able to find it. I want the PMI off of my loan. When we did the refinance in 2014, I was told it would drop automatically but never and that's why I called them. I feel like it should have already come off. What can I do, I don't feel like I should have to pay to try to remove it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX XXXX with TransUnion for the past few months. My last time disputing this item was XXXX XXXX, XXXX. XXXX XXXX was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. TransUnion has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. TransUnion has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. The account is listed below : XXXX XXXX XXXX : {$720.00}
Product: Checking or savings account

Someone took money out my account from chime without my permission and used a XXXX  to send money to their account and chime will not refund my money back
Product: Checking or savings account

On XX/XX/2022, I reported an unauthorized online XXXX  scam transaction via XXXX that was fraud to my bank Wells Fargo for {$200.00}. I reported that the transaction was fraudulent and sent the emails with evidence. I file complaints with the company XXXX and XXXX, which I use for identity thief protection. Both told me to contact my bank Wells Fargo which I did ; the first claim number was XXXX. 

I then got a letter regarding the claim from Wells Fargo that I approved the transfer, which I reported as fraudulent, which I did not. Stating that they could trace where the money had got and that it was my problem and fault. They would try to contact the transfer institution and get my money back, but they would not be providing any further services and closing the claim. 

I then filed two other claims, # XXXX and # XXXX. Stating that I did not approve the transaction and that fraud had occurred, I faxed and provided them with all the documentation and still got the same results back. Only with a response with different wording, but still stating that I am at fault even though I was the victim of fraud. 

I then escalated my claim to the next level and filed a case for the small business resolution team on XX/XX/XXXX and got the same response back that I got from the other claims, just using different words on XX/XX/XXXX. I feel that no one has taken the time to look at my claim or has been honest about their policies with third-party providers such as XXXX. This is why I am not filling this complaint. 

The case number for that submission on XX/XX/XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXXXXXX XXXX.. charge off opened in XXXX XXXX and XXXX XXXX XXXX American Education Services reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. XXXX XXXX reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Credit reporting or other personal consumer reports

My report was pulled on these days without my knowledge or consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX XXXX XXXX {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting false credit report from all three credit reports companies. My name has been mixed up with another persons credit history. I was not able to get any loans or credit card because of this. It is also very hard for me to get an apartment for this very reason. For years I have been trying to get loans and credit card but failed because of wrongful credit report.
Product: Credit reporting or other personal consumer reports

Social security number XXXX my name is XXXX XXXX my complaint is that experian and XXXX refused to remove the negative item on my credit report its fraud I filed a federal trade commission identity theft report on file the credit agencies XXXX and experian supposed to have the negative items blocked from showing on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote letters to both Equifax and XXXX regarding reporting errors on my credit reports. I notified them that I was never late on my payments and provided evidence of inaccuracies straight from my credit reports. Despite my efforts, neither company responded to my disputes nor did they enter a notice of dispute from XX/XX/XXXX to XX/XX/year>. Additionally, they have not provided me with any results from their investigations. 

Upon reviewing my attached documents, you will find the account in question showing the following discrepancies : XXXX : XXXX late payments Equifax : XXXX late payment XXXX : XXXX late payments It is perplexing how the same account can have different late payment reports across different credit bureaus. Specifically, XXXX month XXXX indicates I was late, then the next month I wasnt late, while XXXX reported late payments for the XXXX months prior. Meanwhile, Equifax reported on-time payments in the previous month. 

This situation is extremely frustrating and has caused undue stress. I request the removal of all late payments from this account and an update to reflect " paid never late. '' Thank you for your prompt attention to this matter. 

Attachments : Letters sent to Equifax and XXXX dated XX/XX/year> XXXX reports showing discrepancies
Product: Debt collection

XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. 

On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.
Product: Debt collection

I HAVE TRIED MULTIPLE TIMES TO RESOLVE THE ISSUE. OVER 30 DAYS PASS AND NOTHING HAS BEEN REMOVED. IT IS NOW TIME TO HAVE THAT UPDATED AS THEY ARE BREAKING THE LAW.
Product: Mortgage

I have an ARM  serviced by New Rez/Shellpoint Financing. 
For almost 2 years towards the end of the fixed period, I received monthly letters from New Rez telling me that my interest rate could never go higher than 3.125 % or lower than 2.25 %. I believed this information to be correct as I received it monthly for so long and decided against refinancing and locking in while rates were so low as I believed I was capped at 3.125  % and refinancing is costly. 
It then transpired that all the letters I had received were incorrect and should have in fact said that my rate could never go higher than 8.125 % ... .a 5 % difference from the information I was sent for 2  years and that I based a huge financial decision on. 
While I should have dug out my original contract to check the fine print, as a single Mom who was working multiple jobs at the time, I was extremely busy and based my decision on the endless letters I was receiving every month from New Rez  of which I still have copies. 
Despite the company admitting to their mistake, they tell me there is nothing that can be done and continue to try and charge me a rate way above 3.125 %. I have been disputing this since I discovered their mistake in XXXX, since when they won't apply my monthly payments that I have continued to make at the rate I had been paying, and are now threatening me with foreclosure as I won't pay a higher rate as it seems grossly unfair and a terrible way to treat customers. 
I work for a very large XXXX XXXX and would receive a conduct breach if I made a mistake like this and treated one of our bank 's customers in this manner. Instead I'm being bullied by a massive corporation who will increase their corporate earnings even more at the expense of a single mother just trying to get by. 
Thank you for your time.