23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase closed HELOC when the housing industry bombed in XXXX with no notification. Balance was about {$40000.00} limit {$50000.00}. Was paying interest only, apply extra to the monthly payment which was about $ 150- {$160.00} ; interest rate was 4.01 %. Filed Bk XX/XX/XXXX discharged XX/XX/XXXX, did not include in Bk because daughter on loan and she was not filing. Have never missed a payment since the opening of loan been through Bk. Continued to pay interest payments. XX/XX/XXXX rec call from Rep, it has been 10 years need to start paying principle and interest. Monthly pmt increased to {$330.00} interest rate was 4.26 %. Was told the interest rate would not change, payment would not change because credit limit was closed. Continued to make payments and started to see interest rate increase..XXXX rate would go up and down but XX/XX/XXXX rate was increased to 5.26 % pmt {$360.00}. Called and they would not talk to me because I had filed BK but the rep talked to me to increase the payment. Emailed about the increase to response, had daughter call, XX/XX/XXXX left message to return call. I had called and finally rep would speak with me XX/XX/XXXX and would call back, no return call, XX/XX/XXXX wrote an email accusing Chase of predatory lending they sent me a copy of my contract from XXXX. No response to my direct questions of increase interest rate. Sent another email, rep called this time and all he could say you signed a contract, no explanation to reasoning, nothing. Got of the phone with him which I think was XX/XX/XXXX and again accused of predatory lending because Chase increase the finance charges every other month if not every month so the finance charges eat up any principle balance and requested an amortization and never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to a previously filed complaint XXXX has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX XXXX and Transunion are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Product: Student loan

I requested a refund of {$10000.00} in payments from my loan servicer, Nelnet on XXXX  XX/XX/XXXX. I was then told I needed to resubmit my request to refund the {$10000.00} in payments on XX/XX/XXXX. I have been given no timeline on receiving the {$10000.00} refund of the payments made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX  XXXX : XXXX XXXXXXXX. 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 suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reported by XXXX XXXX I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ). 

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.
Product: Debt collection

Diversified consultants is continuing to call & harass me despite me telling them everyday, MULTIPLE times per day to STOP calling me. 
Some of the phone numbers they're calling from are XXXX, XXXX & XXXX.
Product: Student loan

I submitted the SAVE plan on Federal Student Aid on XX/XX/year>. My application on FSA was quickly approved and the status says " completed, '' but MOHELA has yet to approve or apply my application to my monthly payments. I have called 3-4 times and have received competing information on why my application has not been approved on their end. I have been told " I don't know, '' " you need to reapply, '' " the website says it takes 60 days to process but it actually takes us 90 days, '' " you need to extend your forbearance, '' " you need to remove autopay from your account so that they can not charge you for your upcoming payment, '' " there is a delay to our website/format change, '' and " I need to submit a request for MOHELA to process your application which could take another 15 days. '' My monthly payment is {$430.00} and my next payment is due on XX/XX/year>. I previously had my forbearance extended to XX/XX/year>. When I indicated that this would not help me with my upcoming payment as it is the day that they payment was due, I was informed that this was all they could do. I called again today XX/XX/year>, and was told that I should remove autopay from my account so that I could not be charged for this payment, which seems that it would make the situation worse. The representative submitted a request for MOHELA to accept my application, which could take another 15 days and that I should call again on XX/XX/year> to re-request forbearance until my application is approved on MOHELA 's end. Blaming my unapproved application on a website change is ridiculous and should not be at the cost of student loan payers. I have been provided competing information and my only option at this time is to continue to call, remove my card so I can not be charged, keep calling MOHELA, and waiting for my application to be approved. This is so disappointing and frustrating.
Product: Credit reporting or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I recently received a letter regarding my mortgage loan, and have contacted XXXX regarding what I believe is erroneous information that had begun approximately XXXX XXXX. The loan itself was under XXXX XXXX XXXX at the time, and their servicing company XXXX XXXX XXXX up several loans escrow accounts, causing over payments, and then sometime during XXXX bought out by JG Wentworth. In the transition, my on line account was blocked, and I was told to make payment over the phone, and in the transition requested several times for a complete reconciliation and accounting so I could see/determine the correct payment. 

I made four large payments to bring the account back up to current, a result of the transition of XXXX XXXX XXXX servicing companies and XXXX along with a XXXX XXXX XXXX from JG Wentworth and a former employee of XXXX assured me not to worry and that he 'd take care of " all the stuff in the background '', and get my loan corrected and back on line. To date this has not been done, and I 've called several times requesting not only information, but an audit accounting of the loan for the past two plus years. 

Recently I contacted a XXXX XXXX XXXX from XXXX and requested the same information, and she indicated she would try to help. That was three weeks ago, and still no resolution. 

I am submitting this complaint regarding my issues with both XXXX XXXX and JG Wentworth, and ask you to have the loan investigated for possible mortgage fraud by the loan servicing companies, XXXX XXXX XXXX, as they have failed to provide me with a full accounting of the past three years from when the loan servicing company made errors to accounts ( including mine ), payment application, and resolution of the account. 

Please feel free to contact me regarding any information, or if you would have another way that I could submit a complaint through the Department of Veterans Affairs, I 'd be more than happy to do this too. 

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

Never opened a credit card with XXXX  XXXX XXXX on XX/XX/2018 as shown on my credit report with TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

i didn't ask for these companies cards and don't know where they came from 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: Debt collection

The company listed below is reporting fraudulent information stating that I have a collection account with them. I have no collection account with any company and they are harming me financially, not only that, they are stating I owe something as of XXXX of this year, XXXX review of my credit profile will show that I pay my creditors off almost completely every month. They have also not communicated anything to me but has heisted my credit profile in what appears to be extortion, my credit cards routinely run over $ XXXX and I pay them off in full, I certainly owe this fraudulent company nothing, I'll also include that my phone number has not changed in 21 years. I don't know who these people are and I certainly don't owe them anything this issue has dropped my credit score by XXXX points and I owe them nothing, my credit file has been in good standing for years and I owe no company anything. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$940.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$940.00}
Product: Vehicle loan or lease

I leased a new vehicle from Hyundai Capital Finance at the beginning of XXXX. I decided to buy out the lease using a combination of cash and a new loan from my credit union. 

I made a cash payment on XX/XX/XXXX. I waited for that payment to post and then generated a buyout quote on XX/XX/XXXX, which was good until XX/XX/XXXX in the amount of {$43000.00}. 

I sent a check from my credit union in that exact amount along with all the other required paperwork. It was received and posted on XX/XX/XXXX. 

I waited for the lease to be closed, but a week later it was now showing a buyout balance of {$350.00}. I immediately called customer service to ask why there was now an additional balance despite me submitting the full amount. I was told that this was not correct and that they could see that I had paid the full amount in the buyout letter. 

I talked to customer service several times over several weeks. Each time they claimed to be escalating the complaint and that someone would correct the error and close out the lease. No one ever contacted me or explained why I was being asked to pay more than the buyout quote. 

At some point in XXXX, an additional {$350.00} was added to the balance, bringing it to a total of {$700.00}. When I called again, I was told that if I paid the original additional {$350.00}, the lease would be closed. Exasperated, I made the payment and waited for the lease to be closed. This still didn't happen. 

When I called back AGAIN, I got a very aggressive supervisor who said I owed the full amount and that was is. She put me on hold to " look into it '' and then disconnected the call. 

I gave up and paid the additional {$350.00} and now the lease has been closed. 

I have never received an explanation why my original buyout was not honored, or why {$350.00} was added weeks after I had made the buyout payment.
Product: Mortgage

Wells Fargo has reported that they have suspended foreclosure process due to an active bankruptcy case but they have filed a hearing with XXXX XXXX Bankruptcy court to lift automatic stay so they can proceed with foreclosure of my home. Wells Fargo continues to violate local, state and federal laws in their pursuit of illegal foreclosure of homes. The attached documents will prove Wells Fargo is dual tracking for purpose of illegal foreclosure during active Chapter XXXX case.
Product: Credit reporting or other personal consumer reports

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. XXXX XXXX XXXX, I paid {$23000.00} ona {$16000.00} loan in just over a year. XXXX XXXX XXXX I paid {$32000.00} on a {$26000.00} loan in XXXX months. When I requested XXXX authorizations with my signature, they sent me XXXX  emails that when opened automatically signed themselves with no option to decline, and were predated. 
XXXX XXXX XXXX did not report XXXX separate payments that were for {$8000.00}, XXXX went to interest.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD XXXX, JPMCB CARD XXXX and JPMCB CARD XXXX.
Product: Credit reporting

i opened an account with XXXX XXXX SERVICES on or about XX/XX/XXXX.Upon request after request XXXX XXXX has failed to provide accurate and correct info regarding the initial deliquency for this account to the XXXX CRA.I have supporting documents such as billing statements and a complete payment history from XXXX XXXX that states this account first became deliquent on or about XXXX XXXX, but XXXX is reporting to the XXXX CRA that the account first became deliquent in XX/XX/XXXX.I call this re-aging.I was promised by XXXX XXXX that they would fix this problem but to date they have not.i am beind denied from other retail stores because of this and this is causing me extreme harm to my credit worthiness.And this is also causing this account to remaing on my XXXX CRA longer than it should be.Furnishers should by law report correct information, but XXXX XXXX for whatever reason is not.The XXXX CRA 's keeps telling me this account will not come off until the year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX FI XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and it is impossible to update my name with the credit reporting agencies. I had my name legally changed seven years ago and updated everything - SSNs, driver 's license, birth certificate, passport, etc. I'm now in the process of closing on my first home and am unable to lock in my mortgage because Equifax won't process my name change, despite me providing a copy of my legal name change order, my updated social security card, and license. Please help. I am desperate and it is unfathomably cruel that this agency can hold this name change over my head while denying me my ability to move forward with the purchase of my first home.
Product: Credit card or prepaid card

on XX/XX/2019 State Farm Bank was deleted but not with XXXX  and XXXX.
Product: Credit card or prepaid card

Today I noticed through my free credit score tracker that my score tanked 47 points due to an account closure. I haven't cancelled any accounts recently, so this seemed pretty odd to me. 

I went through my spam emails and discovered an email from Comenity Bank saying they would close my account due to non-activity. 

It is extremely disappointing that I only received one email, and that no other forms of communication such as mailed letter or phone call were attempted. 

My score has gone from " good '' status to " poor '' in the matter of an instant and that really hurts. 

I called Comenity today and they said there was nothing they could do and offered no support whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I not sure this was me, because I have did alot time in D.O.C..XXXX XXXX XXXXXXXX ... ..also I been locked up even this wasn't me at least work out a lower or settle for smaller payment ... .Thank you have nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my police report to TransUnion multiple times and informed them that the XXXX account was opened fraudulently. It was previously removed but is jow reporting again. I did not open this account abd it is harming my personal credit.
Product: Credit card

As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft.

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX XXXXXXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Debt collection

My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.