23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has come to my attention that FIRST FED CREDIT CONTROL is claiming that I XXXX XXXX allegedly owe a debt in the amount of {$340.00} that I am not obligated/responsible to pay on in reference to Acct # XXXX with FIRST FED CREDIT CONTROL. FIRST FED CREDIT CONTROL is in direct violation of my privacy rights, somehow Without my consent via verbally or in writing and with no permission from me FIRST FED CREDIT CONTROL has obtain my personal information. As FIRST FED CREDIT CONTROL is well aware of these actions are also a violation of the HIPAA laws put in place to protect consumers. The fact that FIRST FED CREDIT CONTROL was able to obtain/purchase my personal information via a third party is illegal. I have never agreed to do nor do I plan on doing business with FIRST FED CREDIT CONTROL. This matter has caused me a lot distress both physically and mentally, defamation of character, and harassment. This is my final attempt and notice to contact FIRST FED CREDIT CONTROL to resolve this matter. Im giving FIRST FED CREDIT CONTROL seven ( 7 ) calendar days to resolve this issue or I will pursue legal actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I am attempting loan modification on property located at XXXX XXXX XXXX XXXX, MA XXXX. First issue is : 1 ) mortgager service is attempting to collect a debt while in bankruptcy and while in review for loan modification ( dual tracking ) -- Second Issue 2 ) But more significantly, their attempts to collect arrears are based on a monthly mortgage payment which does not compute to the terms of the loan origination. The note and mortgage originated in XX/XX/XXXX at 7.375 % over 30 years. Presently the terms being enforced are 5.25 % with the entire balance due.. No prior modifications on this loan have been received. I have attempted to fix this problem with them before but to no avail. They servicing of this mortgage and their subsequent transfers have resulted in them either losing the original terms of mortgage or the investor has tried to take advantage of the mortgagor/debtor by tweaking the terms of payment in order to foreclose. Historically i paid on this mortgage in accelerated fashion between XX/XX/XXXX andXX/XX/XXXX on the order of {$110000.00} -- none of these payments were properly applied. I was only 2 months behind when i filed in XX/XX/XXXX. My payment then was about {$1700.00} a month PITI.  Now my payment is {$2500.00}. I called them and they explained that my loan matured in XX/XX/XXXXand that they could not explain the math. I explained that my accelerated payments to them while in active Chapter XXXX should be applied retroactively on the same terms of origination and amortization as that provided in XX/XX/XXXX when i took the loan out. They seemed confused. I sent Mr. Cooper ( formerly Nationstar then formerly XXXX  XXXX then formerly Aurora loan Services ) Proof of the voluntary dismissal of my bankruptcy. They agreed that the terms now being enforced are erroneous but have made no efforts to fix it. I will send a copy of the letter ( formal dispute ) i recently sent Mr. Cooper Loan # XXXX including disbursements and orders of the trustee in bk under my original case XXXX. Mortgagor has provided a complete loan modification packet to Mr. Cooper and is in underwriting but without CFPB involvement concern is that Mr. Cooper will miscalculate debt owed resulting in more troubles.
Product: Credit reporting or other personal consumer reports

My identity was compromised and my information was involved in multiple security breaches. Multiple accounts opened that don't belong to me I demand that this information be removed under FCRA 605 B
Product: Payday loan, title loan, or personal loan

I have applied for a debt consolidation loan to pay off all of my debt vice my home and two cars. The denied stating non-factual reasons. Amongst them are pay my bills late and serious delinquencies when I explained this was the fault of XXXX XXXX and not me and stating the primary reasoning having something to do with my account which is bull. Ive been a member with them 17 years, had several loans with them and never missed a payment. I think I am being biased against because I have XXXX and a XXXX XXXX XXXX.
Product: Credit card

I am prepared to accept your offer under the condition that you provide evidence supporting your assertion that the payment from XXXX Credit Card Account was not fully applied to my account every billing period. 

This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation and proof of claim request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MI XXXX Dear XXXXXXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Capital one is blocking me from being able to continue being attached to XXXX. XXXX is an app that does " round up your change '' functions and daily transfers from your main bank to a online savings account so that i do not spend the money. 
It was working wonderfully for weeks and now its unable to connect. I have contacted both XXXX  and capital one 360 and the situation still hasn't been fixed. As per XXXX, capital one is the reason I can not connect.
Product: Credit reporting or other personal consumer reports

**Subject : Request for Credit Score Review and Correction** **To : Experian Dispute Department** **Date : [ XX/XX/XXXX ] ** **Regarding : Unwarranted Credit Score Decrease** Dear Experian Dispute Team, I am writing to formally dispute the recent 15-point decrease in my credit score, as reflected in my Experian credit report dated XX/XX/XXXX. My score decreased from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. 

Upon reviewing my credit report, I have confirmed that there have been no late payments, no increase in debt balances, or any other negative activities that would justify this significant decrease. 

I kindly request that you provide a detailed explanation for this score fluctuation. Additionally, if no legitimate reason can be identified, I ask that my credit score be corrected by reinstating the 15 points that were unjustly deducted.

Attached are screenshots of my credit reports from the respective dates, which clearly illustrate the change. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. Should you require any further information, feel free to contact me at **Sincerely, ** XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/XXXX, I called the Chase Fraud Department for an update of my pending fraud case involving my Chase Freedom credit card account. 
The Chase officer had declared telephonically that all XXXX charges were determined as Unauthorized and/or Fraudulent, and that these charges were going to be credited back to my account. Moreover, and a check for over payment from Chase would be mailed. 
The Chase officer stated all charges identified as " XXXX '' ( XXXX ) dating back to XX/XX/XXXX were determined to be unauthorized charges by XXXX. I was then instructed to discontinue sending monthly payments to Chase. 
A week later, I received a Chase check for {$840.00} for over payment on a balance riddled with fraud by XXXX. I was delighted the case was finally settled after 5 months. In addition, I received a Chase statement clearly indicating the credits and payments no longer due. 
However, an unexpected call from a unidentified Chase financial officer about a week later was received about XXXX. My husband and I listened in shock and disbelief as the Chase financial officer stated " I see no fraud '', and proclaimed all previously dismissed XXXX charges in question are now resurrected, and that I have to pay the balance. 

When I told the Chase financial officer the case was settled a week ago, and that I a check from Chase for {$840.00} has been proffered, the officer seemed stunned and at a loss for words ; asking who, what, and when? 
Moments later, she alluded that the settlement by the other Chase official did not matter, whereby, declaring my settlement null and void. In that, I will be receiving a revised Chase bill resurrecting all previously determined unauthorized charges. I retained as evidence my Chase statement showing fraud charges had all been credited back to me and payments to Chase no longer required. 

To my disbelief, the Chase financial officer had simply, in matters of a few minutes, usurped a competent Chase official who credited my account and settled the case after five ( 5 ) months of investigation. Presently, I am saddled with debt that had already been identified as fraud and had been forgiven. 

I respectfully request that the CFPB intervenes and upholds my settlement regarding my fraud case involving XXXX. The evidence shall show the Chase financial official in question, had unnecessarily intervened striking down my settlement, and clearly demonstrating a questionable business practice that would be appalling by most or all consumers, as it clearly opposes negotiating in Good Faith and applicable laws protecting consumers from frivolous and outlandish business practices motivated by self-serving needs based upon a whim.
Product: Credit card

The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.
Product: Student loan

I tried to pay my loan in full online 2 consecutive times, before student loan interest resumed. It would say my payment was pending for about 10 days and then received. Eventually I would check back to see if my loan was XXXX only to then see a payment reversal that was backdated to when I had initially paid it. This happened TWICE, so I called and paid via phone. This time it actually seemed to work, because I could see the balance was taken out of my account. Only to see now 30 days later my ENTIRE balance was allocated to one loan instead of allocated to my other loans according to how much I owe. I now have a notification claiming that I am late in my payments since my payment was not allocated correctly nor was I able to go online and do it myself due to the multiple payment reversals. Trying to get a hold of Edfinancial is impossible. The first time had a wait time of 3 hours, they had the option to hangup, leave my number and someone would call me back. No one did, I am currently on hold with them as I type this and it's been 2 hours and still haven't spoken to anyone. I've also emailed in the meantime ... no response. Absolutely the worse time trying to get ahold of anyone. Meanwhile I accumulate interest the more time it takes to get a hold of these people.
Product: Mortgage

We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to # XXXX they results came back as not specified that is un acceptable and it should be delated off my credit report because they did not verify the account just saying not specified when i sent a letter from the court saying they don't report to no one on a bankruptcy, they are violating my rights i want this deleted off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on my house on the XXXX XXXX and had a settlement statement shown paid to XXXX XXXX. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.
Product: Credit reporting or other personal consumer reports

BridgeCrest fraudulently charged me fees that not accurate BridgeCrest reported inaccurate information to all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted Experian once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

WAMU was my servicer WAMU completed a recession due error of foreclosure while modification pending Chase has confirmed WAMU did have a modification pending with a few title issues that must be clear before modification would complete ( Chase has provided title report ) Chase became servicer when WAMU was shut down Chase has no record of noticing bankruptcy attorney of record as new servicer during bankruptcy, or any other filed documents in bankruptcy court Chase bankruptcy file pictures etc. is not my home XXXX XXXX XXXX XXXX - has no record of ever contacting bankruptcy attorney After responses from both parties raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid The Trustee Deed Upon Sale as not being valid Documents are being forwarded to bankruptcy fraud, and other authorities - we as home owners do not want to be taken advantage of by entities we sign power to transfer assignments and or foreclose with trustee and notaries whom are to protect us
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Equifax for some time now. Still to no avail, they have not helped me. In XXXX  my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus.

The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. 
Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.
Product: Mortgage

Payment check was received and cashed by Nationstar Mortgage but the amount was not credited and posted to my account. This falsified missing payment incurred numerous late, legal and fabricated inspection fees
Product: Checking or savings account

A corporate manager contacted me. I could not, for the life of me, understand how he was pronouncing his full name! My XXXX XXXX couldnt even transcribe the voicemail. This man never returned my phone call ( s ) to help me resolve anything! Hes honestly XXXX, XXXX and frightened of my XXXX XXXX XXXX. Thats discrimination! And yes, after anymore days and nights go by, I told this man to XXXX  himself! Umm hmm! Id do it again too! Corporate XXXX! XXXX  about Bank of America. I cant go into one ever again? OH NO! Ill try to pick up the pieces of my life. I mean there must be support groups for people whom were rejected by crappie banks? B of A PLEASE!
Product: Credit reporting or other personal consumer reports

Hello they reported late payments to me and they don't agree with the 3 bureau and credit .Iwould like you to help me remove them. thanskyou
Product: Debt collection

On XX/XX/year> I spoke with an agent from chime banking. She states that my account is current and I dont owe anything. Also when I asked about this she also said that since there is nothing in there records that I cant pay said balance.