23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Previous Complaint # XXXX, EQUIFAX has not removed the credit freeze on my credit report. The matter was incorrectly and prematurely closed without proper resolution. My complaint remains open. Equifax needs to remove the credit freeze on my report.
Product: Mortgage

I made a new home purchase on XX/XX/XXXX for my family. In XX/XX/XXXX I Did a streamline refinancing with no equity taken out. I was supped to have a 60 day window before next payment was due. I followed protocol. It cost nothing just lower my interest rate from 5.1 % to 4.5 % So when I did a used car purchase in XX/XX/XXXX and the interest rate was 12 %!!! Now at the time of my new home Purchase my credit score was XXXX when Mr. Cooper dropped my credit score to XXXX with no explanation!! Now I reached out to the finance company who help me in turn, they got no satisfaction. I would of reported it sooner But I gave Mr. Cooper the benefit of Doubt. I'm in process to sell my current home and Purchase a new one for my family. I checked my credit report and Mr.Cooper is still reporting me negative for this matter. Can You please help me Resolve this Thank you. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I applied for the PLSF program and my student loan servicer switched from XXXX to MOHELA. In XX/XX/XXXX, I received a message that MOHELA was switching the service platform for my student loans. On XX/XX/XXXX, I pulled my credit report from XXXX and it showed that I owed essentially double the amount in student loans. In looking at the loan details, my student loans were being shown in duplicates with both XXXX and MOHELA. I contacted XXXX and asked if this was an issue on their end as reporting my accounts still open with them. XXXX assured me that my accounts were closed with them and that the issue was with MOHELA not correctly reporting to credit bureau that there was a " credit continuance '' with my student loans. When I tried to log onto my account with MOHELA, my profile was not showing as existing in their system because my accounts were being transferred to their new platform. They told me that there was nothing they could do on their end until the transfer was complete and to just call back at a different point in time. This is incredibly stressful because my credit report is showing as having nearly {$200000.00} in debt as opposed to ~ {$95000.00}. I was in the process of finding a mortgage broker to start the loan preapproval process ; however, I now have to halt this process until my credit report is corrected to show my actual loan amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized activity on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following unauthorized inquiry be blocked and permanently deleted from my credit file : Unauthorized Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/year>
Product: Debt collection

I have a account in collects stating iI owe money for a hospital visit at XXXX XXXX XXXX XXXX  for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions on each time they were not able to find any info when i gave my name XXXX XXXX and social security however they could give me no other info and it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
Product: Payday loan, title loan, or personal loan

I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails
Product: Mortgage

I had a modification in place and was paying forced insurance and when I added my own it did not subtract the forced insurance amount from my monthly bill and now that the modification is at an end they raised my mortgage from XXXX to XXXX and I just got a letter saying it is going up to XXXX a month starting in XXXX my taxes and insurance is included in payment and always has been so I don't understand why it keeps going up
Product: Debt collection

I identified that the company is calling the wrong number and that this number has been associated with me for over 40 years and they need to remove me from their system or list. They keep calling. I now want them charged legally for Harrassment. My number is unlisted. My number has been registered with the DO NOT CALL Florida and national registries.. They call before while Im still sleeping. I am not the person they are calling about. 

It has to stop and they should be prosecuted, in my opinion, for the Harrassment. 

Thank you.
Product: Mortgage

With Mr Cooper. I tried to do the forevearance on the back end but they said i was late on mortgage payment. I want to keep my home. Please call me at XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate negative information from XXXX XXXX XXXX. I made a purchase with XXXX XXXX  XXXX XX/XX/XXXX and did not receive it. I was told by XXXX XXXX  XXXX the merchandise I ordered was no long in stock to re ship to and that I would recieve full credit for the merchandise. On XX/XX/XXXX I was sent an email stating my account was credited and it may take up to 10 days before I see the credit. In XXXX I start receiving collection calls from XXXX XXXX and I informed them that XXXX XXXX XXXXXXXX credited my account and I should not have a balance they transferred me to XXXX customer service and I was told on 4 different occasions that it was taken care of. After seeing my credit report along with getting a statement in XXXX I realized that this is becoming a problem. I recently called and was on hold for 4 hours and was promised that this was taken care of and I am still getting collection calls from XXXX XXXX. On top of that Experian gave me the results of their investigation and stated that the debt was accurate. Im sick of having to put in these long hours trying to resolve this matter and I keep showing them the email that was sent to me back on XX/XX/XXXX STATING MY ACCOUNT WAS CREDITED. Attached is a screenshot of a call that I was on hold for 4 hours and told it was going to take care of and a screenshot of the email that was sent to me from XXXX XXXX XXXX Customer Service.
Product: Mortgage

I have banked with Chase for 30 years and received a letter from XXXX XXXX at Chase on XX/XX/2018 dated XX/XX/2018 stating that my loan servicing was moved to XXXX XXXX XXXX ( XXXX ) effective XX/XX/2018. I called XXXX at XXXX   on XX/XX/XXXX to make payment and XXXX said they did not have my account information and to call back next week. I don't want my mortggae payment to be late and I can't pay at Chase like normal and XXXX  does not have my information like XXXX XXXX at Chase said they would have it as of XX/XX/2018.

I called XXXX   again on XX/XX/2018 and they still don't have my information.

I called XXXX XXXX, Managing Director, at Chase ( XXXX, and I get put through to the XXXX  and they tell me that XXXX XXXX   will not call me back even though he signed the letter sent to me on XX/XX/2018. I spent an hour and 20 minutes on the phone with Chase employees in the XXXX  on XX/XX/2018 but they do nothing and just tell me to pay my mortgage late next week when XXXX  should have the information. No one will put me through to XXXX XXXX  Managing Director at Chase who sent me the letter explaining the change in serving. If they don't transfer the account properly it should go back to XXXX XXXX  at Chase. Why does he send me a letter than hides and refuses to come to the phone at the telephone he noted in his letter. XXXX XXXX Managing Director, Chase, XXXX. I attached a copy of the 6 page letter. Why are these executives at Chase such cowards hiding from their customers of 30 years.?
Product: Checking or savings account

Complaint is specific to monthly service fee on my Chase Bank checking account for $ XXXX. 

I reviewed statements as far back as XX/XX/2016 and have received a {$25.00} fee each month. Doing the math, XXXX XXXX XXXX {$25.00} = {$2100.00} that Chase has just been taking from me with no notification. 

I have never received anything in writing with an explanation of why I am receiving this fee. I have never received an email or an alert on my chase app. 

When I called to discuss I was advised they would refund one month and would log the formal complaint. I inquired if I would receive any acknowledgement of the complaint or resolution and was advised that I would not. This seemed insufficient to me, which is why I am filing this CFPB complaint
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Debt collection

To XXXX ( COMPLAINCE MANAGER ) You state : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX  and was opened with XXXX XXXX  The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/2023 via us mail I received a " Notice of Data Breach '' from TMX Finance they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter TMX Finance offers me one year of XXXX " Identity Works '' free of charge paid for by them but when I attempted to enroll with XXXX " Identity Works " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by TMX Finance for their failure to protect my personal identifiable information TMX Finance should be ashamed and XXXX should immediately permit me access to said protection.
Product: Mortgage

I spoke with XXXX XXXX country tax collect this morning XX/XX/XXXX and they said on XX/XX/XXXX they sent an outstanding bill of XXXX. I was not notified by the county or amerihome mortgage there was any outstanding bill. Now the bill is XXXX. It is the responsibility of amerihome to notify me any correspondence of outstanding bills. They are responsible for paying this. I checked the tax collector website 2 weeks ago and it said the amount XXXX was defaulted and now after amerihome called I have a bill for XXXX. Very suspicious that the amount changed and now they are both telling a new story of what is due
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my letters over 30 days ago the company fails to respond and is violation according to 15 USC 1692. I did not give them written consent to report these inaccuraries on my credit report. This company have fail to acknowledge that it is in violation. I have attached my letter and proof that I sent letter XXXX XXXX XXXX XXXX. Also my XXXX & XXXX.
Product: Vehicle loan or lease

1. Trying to make a principal only payment on my loan 2. The bank informed me that my payment will be applied to interest first and then to principal.

3. The bank will not process my additional payment as principal only.

4. Bank refuses to accept principal only payments.

5. XXXX XXXX & Santander Consumer USA.
Product: Debt collection

The company is attempting to collect a debt of {XXXX} that has already been paid.
Product: Credit reporting

I have previously submitted a certified letter on XXXX and XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1.No payment history from XXXX. 
2. Payment status states " Charge off '' however in the remarks account states Paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lexis Nexis report indicates that XXXXXXXX XXXX XXXXXXXX XXXX ran XXXX inquiries on my report on XX/XX/2023. At this time, my file was frozen. 


XXXXXXXX XXXX XXXXXXXX XXXX didn't have my permission to request a report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ASKED FOR A INVESTIGATION ON THIS ACCOUNT BACK ON XX/XX/23 AND HAVE YET TO GET A RESPONSE!!!! 

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account # xxxx XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Repeated told him that this accounts or not mine its fraudulent open and keep getting phone calls disputing and keep getting phone calls
Product: Debt collection

XX/XX/XXXX we vacated the home. The home was left clean with minor wear and tear after 7 years in the home. After 2 years I realized we didnt get the Security Deposit back which I thought we did because my boyfriend handled that part. I received a collection on my account from fair collection and outsourcing company stating we owe a XXXX for damages to the home. After sending In pictures that I took upon vacating the home the company agreed to settle for XXXX. I believe we owe a balance for the last months rent because the money orders were never received and I dropped them in the drop box personally. We had to go back to the bank and get our money back which I can also provide proof of the money orders for that month. I also have emails stating that a payment was supposedly mailed back to us but we never received that payment. If we did they should be after to pull up the time and day the check was cashed. To say we owe a balance is one thing but to say we left that home damaged I will not stand for. 
I would like proof of everything they supposedly fixed in that house since it was left so damaged. If even got the carpet cleaned even though I knew they would replace that. If I need to get that receipt for them I can!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence 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/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TALKED TO EXPERIAN SPECIAL HANDLING DEPARTMENT SEVERAL MONTH BACK IN XX/XX/2018 CONCERNING ACCOUNT SHOWING UP ON MY CREDIT FILE WITH A ADDRESS IN XXXX SOUTH CAROLINA. EXPERIAN PULLED MY FILE UP AND STATED DO YOU LIVE AT XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX, I STATED NO! I TOLD THE FRAUD AGENT I HAVE ALWAYS LIVED IN NORTH CAROLINA MY WHOLE LIFE. THEY DISPUTED THIS ACCOUNT AND ADDRESS AND IT CAME OFF WITHIN ONE WEEK. I CALLED BACK AND ENDED UP TALKING TO A LADY NAMED XXXX IN THE SPECIAL FRAUD HANDLING DEPARTMENT AND SHE STATED THE ACCOUNT IS BLOCKED AND IT WILL NEVER REPORT AGAIN. NOW EXPERIAN IS SAYING MY POLICE REPORT AND FTC REPORT IS NOT TRUE. THAT WAS A SLAP IN MY FACE!!!! ONE THING I HAVE NEVER DONE IS LIE!!! I WAS RAISED BETTER THAN THAT. I WAS A HEAD JUDGE FOR 30 YEARS AND HAVE A GREAT NAME IN MY STATE OF NC. I CONTACTED THE POLICE AND SHERIFF DEPARTMENT CONCERNED ABOUT THIS ISSUE WITH EXPERIAN SAYING I LIED ABOUT THIS POLICE REPORT. THEY STATED ( DEPUTY XXXX XXXX ) ITS AS REAL AS REAL CAN BE. NEXT IS IM FILING LEGAL ACTION AGAINST EXPERIAN AND XXXX XXXX FOR ALLOWING SOMEONE TO USE MY CREDIT WITHOUT MY PROMISSION. XXXX XXXX  CANT EVEN SHOW ME THE CONTRACTS AND EXPERIAN KEEPS INVESTIGATING IN OVER AND OVER AGAIN AND NEVER SHOW RESULTS. THEY REMOVED XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX AND THE INQUIRES FROM THIS LOAN BUT WANT REMOVE THIS ACCOUNT FROM MY FILE, EXPERIAN STATED THE ADDRESS IN S.C. WAS REMOVE AND INQUIRE WAS REMOVED AND BLOCK AND WAS FRAUD!!! BUT NOT THE ACCOUNT IT WAS SET UP UNDER. I WANT IT REMOVED OF LEGAL ACTION WILL BE FILED ON XX/XX/2018. THIS IS ABUSE TO A SENIOR CITIZEN ( I'M XXXX )
Product: Mortgage

On XX/XX/2020 at XXXX my husband and I signed to close our refinancing documents with LAKEVIEW/XXXX XXXX XXXX XXXX  through TITLE 365, a notary public named XXXX XXXX came to our home in XXXX, CA. We were told beforehand by XXXX XXXX, the loan processor who took over from XXXX XXXX who was the mortgage loan originator to prepare a cashiers check in the amount of {$2700.00}, which includes the closing cost and the 1st payment for the XXXX XXXX COUNTY supplemental property tax of {$2500.00} which was due on XX/XX/2020. According to Ms. XXXX our loan will not be approved if this was not paid. By the way, our main purpose for this refinancing was to get our interest down from 4.75 % to 3.125 %. We saved enough that we could have paid for the 1st Installment of the Supplemental Property Tax without getting a loan. Now, today is XX/XX/2020, and this bill the 1st Installment is still delinquent since XX/XX/2020. And now the 2nd Installment is due tomorrow, which we are ready to pay but couldnt because these companies did not do what theyre suppose to do! I have called and emailed numerous times to numerous people in both the lender and the Title company to no avail. I have an email from a Ms. XXXX XXXX, closing manager at XXXX who told me that the Supplemental Property tax is in escrow. We dont understand all these legal mumbo jumbo, what we know that a tax bill remains unpaid which we gave them our own money to make payment for us, as they promised, but did not follow through. I gave them enough time to do resolve this matter but it seems that they dont want to do anything, they just went ahead and ran off with our hard earned money.