23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a loan modification and in XXXX, i received the first set of papers that needed to be notarized. I completed the paperwork and sent it back in the XXXX they sent. They returned the paperwork saying i was missing a signature and so i did it again and sent it back in the XXXX. Then in XXXX, they sent it back again and then i called. 

So i called to find out what was missing and that's when i was told that i needed the notary to write " XXXX XXXX XXXX XXXX XXXX. XXXX On XX/XX/XXXX, i went to my bank and completed the notarized signature for a XXXX time and sent it in the XXXX they sent me. Then on XX/XX/XXXX, i received notice that they didn't receive it and they were revoking the loan modification agreement and putting me in foreclosure. 

When i called, they said that they never received the paperwork and there was nothing i could do. My mortgage payments from XXXX and XXXX were received but it was being held due to my being in default. XXXX was told that i need to apply for the modification again and pay off the amount owed which is approximately $ XXXX. i clearly don't have it. 

I find it interesting that they received the first 2 documents but not the third. 

I have also not gone by XXXX XXXX since XXXX and have never held a mortgage in my own as XXXX XXXX. Nowhere in the paperwork does it say " XXXX XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX XXXX. '' I also didn't send it certified because i used the XXXX that they sent me. 

In the paperwork I signed, it said XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation 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: Credit reporting, credit repair services, or other personal consumer reports

I've attempted more than 5 times to submit a dispute online with Equifax at their website : https : //www.equifax.comXXXX  and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; XXXX XXXX for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with Equifax and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX XXXX XXXX!
Product: Credit card or prepaid card

Received a letter from them stating I had applied for credit and requested documentation. 

Original Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX
Product: Mortgage

in XXXX of 2020 i requested pandemic assistance. this was a difficult decision but necassary for survival. fortunatly congress passed the CARES act that allowed for bank and consumer to work together to best not be harmed. The CARES ACT was determined to allow for this forbearance without it negativley affecting the credit score of the consumer. the account is essentially frzen in time for the duration of the forbearance and will not harm the customers credit score by how they report the account. if it was current as it was it should remain current and not hurt my score. However after much deliberation with quicken loans there seems to be a disconnect as to how they are reporting and the harm it is causing. i have proof of an example of how they report my account is causing harm to my credit score. They have twice reported my current balance as being over the original loan amount. This affects how my credit score is calculated because my balance is being reported too high compared to origanal balance. Quicken loans informed me that they are adding on the escrow amount to the statement balance. Two problems with that is it has dropped my credit score 8 points or more on two occasions by reporting me {$5000.00} over my loan balance, and two, if my account is frozen then how is the balance changing. This is creating damage to my credit score by 20 points. The CARES ACT states that a credit furnisher may not report a consumers account in a way that hurts their credit. This is happening nonetheless and I assume that this is occuring on every forbearance account with quicken loans and possibly other banks as well. i informed quicken loans of all of this and they told me there is nothing they can do. so they are esentially admitting that there is nothing they can do to follow the cares act. I reminded them thta there system probaly needs to be changed to recognize the CARES ACT guidsance. They do not care. They know they are harming my credit and choose not to adjust their reporting tactics. My friend has 7 mortgages in forbearance with 5 companies and none of them are doing this. I hope that Quicken loans can straighten this out for myself and all otheir other clients. i am also making CFPB aware that this is happening and there may be other instittions harming peoples credit. They may not be reporting an account delinquent but if they report an increasing or over balance that is ruining peoples credit scores in my case 20 or more points. i show evidence of an 8 point drop, the only thing that changed from XXXX to XX/XX/XXXX is quicken loans updated a second balance increase, putting me XXXX over original balnce. this is wrong, please correct and change your reporting system to stop this damage to innocent people seeking pandemic assistance, this is not helpful to those who are already suffering!!. Please update my balance as shown on my statement page, this is also the balance quicken loans shows in their internal system but when they update to credit beraus {$5300.00} is added to the statement balance. quicken loans should only report the statement balance as existed in XXXX and kept frozen at that number to prevent this harm
Product: Credit card

XXXX XXXX  to whom this card was issued elected for a private liquidation per California 's laws on. Assignment for the Benefit of Creditors. There is no money left as all unsecured creditors were paid XXXX % of their debt and we are dissolving the company shortly. 
According to the company attorney, the explanation accompanied the check. Under California 's laws and common law around Assignment for the Benefit of Creditors, unsecured creditors do not have to consent to the settlements- it is binding upon them as in a bankruptcy. I am enclosing legal information about California 's ABC laws. 
On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 
First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review.
Product: Credit reporting or other personal consumer reports

XXXX had a bill pay error that forced my mortgage to be late in consecutive months. I was not aware of the situation until this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

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: Checking or savings account

Someone took a loan out from XXXX using my name and opened a bank account at Bank of America somewhere around XXXX XXXX. I reported to the police waiting on report have a incident number. I reported it to BoA and received a claim number and put the account on hold.Reported to XXXX XXXX and they told me I have XXXX days to pay monies back or it will reflect poorly on my credit report and I have XXXX days to pay it back or I will be paying interest.
Product: Payday loan, title loan, personal loan, or advance loan

Cash Net USA, an Enova International company. Has manipulated my information and engaged in discriminatory practices. They refuse to put me in contact with or even identify a supervisor.
Product: Credit card or prepaid card

I missed a credit card payment on my Amazon Synchrony Charge payment and I am constantly be charged late fees although have made a payment on the due date. The mininum payment on a XXXX dollar balance is XXXX. I made a prevous payment of XXXX and my balance still remain XXXX I have not been late in past two months and I am still being charge a late payment fee. I am concercerned about these predatory practices.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian re-adding an account that was previously removed from my credit report due to confirmed identity theft. The account in question is : XXXXXXXX XXXX ( Account Number : XXXX ) This account was removed from my credit report after I provided documentation of identity theft, including a police report and an FTC Identity Theft Report. However, on XXXX, Experian unexpectedly and without notice re-added this fraudulent account to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft when provided with appropriate documentation. Additionally, FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) mandates that credit bureaus notify consumers in writing within five business days if previously deleted information is reinserted. I have not received such notice from Experian. 

This action by Experian is causing significant stress and could harm my financial standing. 

I request that : The fraudulent XXXXXXXX XXXX account be permanently removed from my credit report. 

Experian provide an explanation for why this account was re-added without proper notice. 

Any further reporting of this fraudulent account be immediately stopped. 

I kindly ask for your assistance in resolving this matter and ensuring that Experian complies with FCRA regulations. Please let me know if additional documentation is needed. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

I attempted to pay my credit card after my bank account with Capital One was closed. I reported an issue with online pay and I was told it was a technical issue. Eventually, I got to a representative who kept telling me to call. I told him I was XXXX and very sick and needed accessible chat or communication options. I was never provided a way to pay my bill while sick at home, and eventually capital one XXXX the chat function on my account for their app and website. I was unable to reach support and couldn't call due to my XXXX. This is unethical and infringes upon my rights as a XXXX person. When I first complained about the online pay not working, I was told it was a technical issue and that it would be fixed. I believe Capital One lied to me in order to accrue fees and subsequently close out my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my consumer report and noticed a lot of inaccuracies being reported. I have contacted Experian about this matter and have also provided documents to support this issue.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX {$630.00}, XXXX {$720.00}, XXXX {$870.00}, XXXXXXXX XXXX {$440.00}, CREDIT COLL {$200.00}.
Product: Credit card

My information was stolen XX/XX/XXXX i filed a report with my bank as well as capital one and also filed a police report. I submitted all documents to capital one and i also got a final decision from XXXX on XX/XX/XXXX saying that the payments were not mine i then contacted Capital one and they stated they closed my accounts and i owe the balance i also sent in the final decision from XXXX to capital
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On or about XX/XX/XXXX I discovered that TransUnion was still reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, FEDERAL DISTRICT, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth as required. 

There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it is an incomplete filing therefore violating both State and Federal Law. 

On XX/XX/XXXX I sent TransUnion a letter ( see attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate supplying first hand information. 

The response I received from TransUnion was they verified it with XXXX XXXX a 3rd party. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get TransUnion to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to TransUnion and their reply letter to me was very clear that they DO NOT supply TransUnion with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XX/XX/XXXX, XX/XX/XXXXand TransUnion as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. 

Based on all of the above mentioned requirements and based on the fact that there is nothing saying whether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required I respectively demand that TransUnion delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

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

I went to transunion.com and logged into my account there. I tried to access my credit report however there was an error and it suggested that I contact their customer support. 

I called their customer support at ( XXXX ) XXXX-XXXX and reached someone with a very heavy accent that I could not understand. I decided to hang up and call back again. I dialed back and this time the person had a very thick XXXX accent. I again hung up and called back a 3rd time and I was able to understand the representative 's accent. I proceeded to ask the rep what country is the Transunion customer support located in. He told me they are located in XXXX XXXX. 

Social Security numbers are our most valued cherished number we have. You only get 1 in your lifetime. For a major bureau to have their support located in a 3rd world country and for them to insist for me to give them my Social Security number or they can not help me is very un settling. Is TransUnion trying to follow XXXX and give out everyone 's Social as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by Bam financial XXXX XXXX XXXX XXXX that my credit would be restored and a letter to stop and cease would be sent to a company called XXXX XXXX XXXX, but was never done. My credit report was never pulled and nothing was ever done to restore my credit. I was scammed out of {$700.00}. This person also has a copy of my driver 's license and social. He always has excuses each and every time I try to contact him.
Product: Debt collection

Today on XXXX, myself and my partner both received threatening voicemail messages from an XXXX XXXX, who was retained to deliver notarized legal documents at my residence or work place on XXXX. If he is unable to obtain a signature, the documents will be turned over to the legal department of my county, where legal action will be brought against me. He left a number of XXXX. Regarding file number XXXX. I attempted to call and gain information regarding this debt, which they described as an attempt to collect on a best buy credit card debt that was previously sent to collections. This debt was settled, and paid in full, on XXXX with XXXX XXXX XXXX, which I have a letter from, stating that my account is now satisfied. This debt has paid in full, which no longer can be collected on, even though multiple attempts have been made. Once learning about this information, I tried to call back and get information about this company, such as their mailing address and name of their organization, only to be hung up on numerous times. Eventually my number was blocked, so I used a separate line to obtain the information that I needed to submit a complaint. I spoke with XXXX XXXX on XXXX to obtain the company name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX at XXXX. I wish that a cease and desist be brought against this company, and any others associated with this false debt, as my account has been previously paid in full. If this company, or others associated with them, continue to harass me I am left with no choice other than to bring legal action against them. This company also contacted numerous members of my family, which has also been caused unneeded stress for my family members. This has also come during a very trying time, during the COVID-19 pandemic, which has lead to unnecessary stress on me, my family, and others. I'm concerned about my mental and physical health, with the undue stress that this matter has caused. This cease and desist order, against XXXX XXXX XXXX, was issued to be effective immediately on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$430.00} Equifax XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX : XXXX XXXX  XXXX XXXX Balance Owed : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a new inquiry was placed on my report I'm not looking at getting a new home so I know it's not me I have tried for days to reach someone but I haven't been able to talk to anyone plus there is numerous issues on my report I just wan na get this resolved
Product: Checking or savings account

Since XXXX of 2019 Chase decided to took money from my account. Chase claimed that I signed under my son account and whenever my son has overdraft chase has to take money from my account to cover his overdraft fees. Recently Chase told me I had a minus on my account. On XX/XX/XXXX I withdrew XXXX XXXX dollars from my account. My account had XXXX dollars left. Prior to the withdrawal I made a purchase at XXXX and bought a cup of coffee. Chase saw that purchase. The purchase was {$1.00} cents. After I made the purchase and the withdrawal, Chase took the whole XXXX dollars to collect my son overdraft. They did not pay for the transaction of {$1.00} cent. For about 5 days I had a minus of {$1.00} cents on my account. When I've decided to file a complaint against them., Chase collected {$18.00} cent from my account but I had a minus in my account. So where does the {$18.00} cents come. It is a miscalculation by Chase. If Chase can make a miscalculation once, it can happened before. I have asking them for verification of signature of my son account because my son is not a minor anymore. I am not responsible for his account. I also need chase to stop taking funds from my account to cover my son overdraft. I am asking for chase to investigate every transaction from the date I opened my account until now. Since there was 1 miscalculation, there could have been more