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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, XXXX, XXXX. XXXX, XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XX/XX/XXXX for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX also runs the XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. They apartment is now being offered for sale by XXXX XXXX XXXX XXXX # : XXXX for {$720000.00}. The apartment is still in the name of the Estate of XXXX XXXX. The bank and the buyer have not been able to transfer title, do to its illegal actions. The Estate feels it is do all remedies available to it by law. Breaking and entering changing the locks without authorization of the Estate which still legally owns the property. They also remodeled the kitchen and bathrooms illegally. Please help the Estate of XXXX XXXX our deceased daughter.
Product: Checking or savings account

I tried to deposit a check at the ATM locates in my bank. The ATM took my check but did not complete transaction and did not give me my check back. I immediately addressed two ladies working at the branch, who told me I needed to go online and gave me web instructions. I also had the option to call. I have been online multiple times searching for how to get my money using their instructions and can not figure it out. I finally called and stayed on hold for one hour ten minutes before a person answered, who said give her a minute, put me back on hold for ten minutes and the automatic on hold went back to main menu and said they are closed.
Product: Checking or savings account

XXXX XXXX had class action lawsuit against them XXXX XXXX  for alleged improper fees charged to accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Product: Credit card or prepaid card

I opened a Wells Fargo credit card in XXXX 2017 with a promotional offer of spend {$500.00} in the first 3 months and get a {$200.00} cash rewards bonus. I spent {$1000.00} in less then the 3 month period, and did n't receive my promotional offer. I called several times, and the first time I called, they told me the offer was to spend {$1000.00}, not {$500.00} ( which I did anyway ), but I did n't take a screenshot of the offer, so already I was suspect of their integrity as I could not prove I was correct. First I was told I had to wait until after the 3 months had ended, then I was told it would happen on the next billing cycle. it has since been escalated a few times, and I still have not received my cash rewards bonus. I feel like the entire thing is fraudulent and a scam, and I honestly do n't expect to get my {$200.00}.
Product: Debt collection

I received communication from XXXX/Pendrick Capital Partner LLC that I owe XXXX for a debt that has been reported previously by 3 different agencies on XXXX/XXXX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XXXX/XXXX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
Product: Mortgage

This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2021 I authorized the payment of XXXX usd to be taken out of my Capital One Checking Account to pay my Capital One credit card .On this same day of the authorized payment I made several transactions including atm withdrawals never once was any transaction declined approximately a week later I was informed by the bank that my credit card payment was not processed due to money not available it seems quite strange I made several transactions on the authorized payment date all approved not one transactions went into overdraft or declined I requested reversal of late fees due to there error and none processing of payment which caused the late fee I contacted Capital One and they refused to assist me in rectifying this error
Product: Credit card or prepaid card

Why does comenity not upgrade their cards their retail store cards to contactless tap pay they offer this in only a few cards but not all of their store cards it would be nice with the pandemic if they upgrade their card technology like other banks Have already this is feedback only
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Product: Vehicle loan or lease

The person that owns XXXX XXXX in XXXX NM has formed a group of people that have been stalking harassing and completely ripped us off I have XXXX different quotes for the car he lied saying on the XXXX and was a clean title wrong it was wrecked said we had great warranty lie warranty was used for the wreck he became my XXXX  wanting the XXXX titles back along with the forged papers that he signed my husband 's name then had a bunch of XXXX  mess with it it was getting fixed more than me driving it he wouldn't trade the car back before the XXXX to XXXX miles he had some one XXXX XXXX get my husband fired then hit my car at a Red light a guy XXXX XXXX with XXXX got a guy XXXX Total it his buddy the XXXX XXXX XXXX XXXX in XXXX nm got XXXX sell our truck that we took in XXXX and haven't seen it since I was told that they parted it me and my husband got over XXXX XXXX  stolen both vehicles gone and left homeless broke and no vehicles we have been having to walk everywhere my husband is really sick right now not working because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX NM I don't even know these people but the harassment is unbelievable until this day still going cause taking our life away isn't enough now there tearing up and breaking into my XXXX  house making a stupid movie about this I can't even make this up who does this to people
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, JH Portfolio collection appeared on my XXXX credit report for the first time. I have disputed with XXXX on XX/XX/XXXX and XX/XX/XXXX and informed this collection from JH Portfolio collection account was reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. JH Portfolio has also aged the account to XX/XX/XXXX on my file for a date prior than when it originally appeared on my credit file. The J/H Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
Product: Student loan

I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.
Product: Credit card or prepaid card

My Capital One credit card has been opened for a total of 8 months now. Never over the limit, always on time and being used way under 30 % usage. I requested a credit line increase after 6 month received a notice saying account is to new. In the definition for account is too new, wait serval months before applying for an increase. I figured it was because 2 monthly payments wasnt made since those two months I had a credit balance and no payments due. Well a month later after 6 payments, and 8 months later I applied again for a credit line increase, got a denial notice stating account too new again. In the definition again for account to new, it says wait several months before applying for a credit line increase. In my book serval means 4-6months after an account is opened. So I called capital one and asked what is several months definition for capital one. The supervisor i spoke with said, several months is around 4-6 months. Let me see how long your account has been opened, ok I see here its been opened since XX/XX/2023. Ok, so if serval months is 4-6 months. Why am I still getting account too new and wait several months before requesting an credit line increase? Also, when asked to speak to her supervisor she tells me there is no one over her I can speak with. Denied my right to escalate my concern higher pass the supervisor level.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, Transunion XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Please remove current address and update New address. Current address on file is now a non mailable address please remove from credit file. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I filed a dispute with Experian about an inaccurate charged off account that was reported on my credit report from XXXX XXXX XXXX XXXX. I also mailed documents to Experian via Priority Mail to attach to my dispute and proof that XXXX XXXX XXXX XXXX violated the Fair Credit Reporting Act. 
It has been over 30 days and I was never notified or received investigation results on my dispute and when I checked the status of the dispute on Experian.com, it was deleted as if I never filed a dispute.
Product: Credit card or prepaid card

I experienced an issue with the Barclay Card US Upromise Card. I mistakenly paid down my balance twice resulting in a credit balance of over $ 16k. I spoke with customer service and emailed customer service and the response was the same from both. They told me to go to my bank and recall the payment ( ACH ). Several days after the funds were returned, I received a letter from Barclays telling me that I would be charged a returned check fee of {$28.00} and that due to the fact that there was a returned payment, my credit line would be reduced from $ XXXX to $ XXXX. All of this despite the fact that entire balance had been paid, there was a XXXX balance on the account and I followed their instructions to get the over payment refunded. I emailed them twice ( XX/XX/XXXX and XX/XX/XXXX ) and they have not responded. Phone wait times were excessive and I gave up trying to contact them on the phone. At this point, I want the returned payment fee refunded and the account closed.
Product: Mortgage

I have made 3 separate attempts to request modification of my adjustable rate mortgage loan, that keeps going up. I am struggling to make the payments and Chase has refused to help or support me in any efforts. The adjustable rate continues to rise and Chase has no concern to help me in this matter. Once again, I have requested loan modification 3 separate times. As a XXXX I feel that Chase is taking advantage of me as a predatory lender. I have never missed a payment nor have I ever been late, but I am struggling and I fear that I may lose my home and go into unfair debt. I request that Chase immediately place me on a lower fixed rate. On todays date, I spoke with Chase employee XXXX XXXX with the Chase XXXX service department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.