23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage loan is currently serviced by Chase Bank. The entire mortgage loan was discharged in a Chapter XXXX Bankruptcy. The mortgage statement shows that the mortgage note has been discharged in bankruptcy and a new mortgage note was never established. Collecting money on a discharged mortgage debt is a violation of the Federal Bankruptcy Code. Bankruptcy Courts may use their contempt power under Section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.

[ 1 ] See XXXX XXXX v. Chase Bank USA N.A., Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXX ). 

[ 2 ] See XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXXXXXX4 ). 

The attached statement shows that there is {$580000.00} current principal due, but verbally Chase advised that {$670000.00} current principal due. There is also a deferred amount of {$92000.00} due and a capitalized interest balance of {$22000.00} due. Chase could not explain the accounting methods utilized on the statement. The lien position at the time of the bankruptcy discharge has not been disclosed. The loan modification that was executed shows an interest amount due of {$67000.00} and {$51000.00} in past due escrow. The interest due at the time of the modification was 18 months and escrow was listed as 60 months past due ( see attached ). This is mathematically impossible and Chase has not been able to explain the accounting. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXX XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Chase Bank also has an obligation to offer mortgage assistance per the CA Homeowners Bill of Rights. Chase Bank is in violation of both the XXXX XXXXXXXX XXXX  of XXXX and The CA Homeowners Bill of Rights. Overall the past loan modification has trapped me into a dire financial position for the long run, likely pushing me into foreclosure. Ultimately, I am trying to save my home and I am seeking your assistance on this matter.
Product: Debt collection

On XX/XX/2020, I mailed out dispute letters to XXXX, Transunion, & XXXX  concerning inaccurate information on my credit report and I have not received a response at all.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Checking or savings account

BBVA is holding my money hostage. I opened up a Money Market with a {$100000.00} transfer of funds from a XXXX XXXX XXXX savings account. Nowhere in the account opening process did BBVA indicate that there would be any limitations on withdrawing or transferring the money out of the account. I've read and re-read the account disclosures, and there is no mention of limits on withdrawals or account transfers. 

For the last five days, I've been trying to transfer much of that money back to my XXXX XXXX XXXX via ACH, Wire Transfer, Bill Pay, or a Cashiers Check. In the last few weeks, my wife and I have decided to purchase a new home, and we need {$90000.00} of that {$100000.00} as a deposit on the home. 

Now BBVA says that there is no way for us to get the money OUT OF OUR OWN MONEY MARKET OR CHECKING ACCOUNTS. Except for a {$5000.00} transfer, which is both a daily and monthly limit. At this pace, it will be XX/XX/2020 before we can get the money we need for the new home, which of course is well beyond the closing date and causes us great financial harm and damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing!

Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of XXXX XXXX. This letter serves as a formal dispute regarding this account. I have reached out to each company directly and was advised to follow these steps to resolve the issue. I have filed a report with the FTC and contacted all relevant companies. Now, I am disputing the information associated with the fraudulent account. I kindly request your assistance in resolving this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX notarized dispute letters with documentation supporting my claims via certified mail to Experian XXXX  XXXX on XX/XX/22. 

The post office confirmed that they was delivered and Experian XXXX  XXXX said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both XXXX and Experian but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.
Product: Debt collection

LVNV continues to respond from the typical playbook and use stall tactics to keep this collection account alive in hopes of getting paid their commission. The debt is not mine, was a result of ID Theft via my dad who lived with me at the time during a illness, has the same legal name and access to my SSN. It is simple and LVNV is purposefully pursuing this debt from me and it isnt my debt and is identity fraud. This information was not returned within the 30 day window. And violates my rights under the fair debt reporting act. and they should remove this from my credit. for that additional reason as well as the identity theft. i expect a this to be removed within 15 days. 

I am requesting that the CFPB intervene and support me and my legal rights pursuant to the Fair Credit Reporting Act that states the collection agency has to prove this is my debt. 

Best Regards XXXX XXXX XXXX XXXX If i do not get the proper response back frpm LVNV within 15 days. the next communication will be from my personal attorney filing a defamation and limiting factor lawsuit against LVNV for the following TORT violations : Defamation : If someone has made false statements that damage your reputation and thus your ability to earn income. 

Intentional Infliction of Emotional Distress : If someones outrageous conduct has caused you severe emotional distress affecting your ability to work. 

Interference with Contractual Relations : If someones actions have interfered with your existing contracts or business relationships. 

Negligence : If someones failure to exercise reasonable care has resulted in harm to your ability to earn income. 

Malicious Prosecution or Abuse of Process : If someone has wrongfully subjected you to legal action, impacting your ability to provide for your family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
Product: Credit card or prepaid card

We closed my Saving account, so the company 's excuse that all of a sudden I need to activate a debit/ATM card, which is XXXX  and I never had to in the past is no longer an issue. I STILL can not access my account online because these XXXX XXXX XXXX XXXX changed their website AGAIN without notice. It is repeatedly asking me to activate a card that I do not have. This problem is not only affecting me as there are numerous similar complaints on the web for the same thing, only they are too XXXX  and XXXX  to resolve them, and until the CFPB investigates, regulates and fines this XXXX  bank, this XXXX  customer service will continue
Product: Debt collection

Time share for XXXX XXXX XXXX XXXX XXXX sent to Sunrise Credit Services , Inc We sing up for time share with my partner and we were lied to since we it was not disclosed to us how they work and that we were expected to pay yearly fees on top of the loan to use property for vacation. So the first time we signed for XXXX and we used the property once when we went on vacation to XXXX XXXX XXXX. 
They later talk us into signing a XXXX loan with guarantee that they would pay our yearly maintenance fees if we agreed to move to change to Missouri property instead of XXXX XXXX but if we stayed as part of XXXX XXXX then they would not pay that but that was a lie because when I called XXXX last year ( 2022 ) the customer service said they do not pay or write off any fees regardless of the property. So the sales person lied. So then I told them I wanted to sell the property and they said they dont do that either. I forfeited the loan since I am not able to pay and not using the property and they have not taken the loan to collection and they continue adding fees to that loan even when I dont use it and I have no access to their vacation homes. They say its a mortgage which does not make sense since I dont own a house with them but I said if that was the case then they should be able to sell it like we do with homes. They have continue to threaten with phone calls from debt collection company Sunrise credit services , Inc . I have called this company and explained the situation and they are adamant that I have to pay the loan for the mortgage and a lien can be put on any property I own and they will continue to increase the fees on that loan even after they have already messed my credit and taken this loan to collection. This is a bad business practice, especially where they refer to this as a mortgage that I own for going on vacation once. It is a scam that is preyed on consumers that need to be exposed and these practices should stop. I am in debt for the wrong thing-Going to XXXX XXXX once should not be worth XXXX and more in fees and threatening to put a lien on anything I own. I am in a financial crisis and mentally distressed because of this and I am not sure how to get out of this debt that has ruined my life.
Product: Mortgage

My mortgage was being transferred from Panorama Mortgage Group to XXXX XXXX  XXXX. The process started in XX/XX/XXXX, and that is where everything started going wrong. I noticed on XX/XX/XXXX that Panorama was backing all the payments I had made up till that point out of the system and only re-entering the payment amounts, not the extra principal that I had paid. I called immediately and was assured that everything was being done correctly as they were transferring everything over to XXXX and that I would see it on that platform once I was set up ( I've not seen it as of yet ). 


Loan was transferred in XX/XX/XXXX, well was supposed to be, but nothing transferred over right, XXXX could see my name but no loan information and Panorama was telling me that they no longer had the loan. I was in limbo and the had no account to make my payments to. I believe it was XX/XX/XXXX that XXXX transferred my loan back to Panorama for them to get everything straightened out and it was later transferred back to XXXX in XX/XX/XXXX. While it was back with Panorama, I was able to pay the two payments that were due on my account, but they were put in suspension and not applied to the loan. 

My loan is now with XXXX, but the escrow that I had paid up until XX/XX/XXXX ( {$1800.00} ), is lost and no one has been able to locate it. I've been talking back and forth with both of these companies since back in XX/XX/XXXX trying to get this all fixed, I am tired and mentally exhausted at this point from being told that someone will call me back within 24 hours to never hearing from anyone and having to call back again and go through the whole scenario again with a different agent and one again being told that they will call me back within 24 hours. I have spent countless hours on the phone trying to fix this and just want it FIXED PLEASE. 

I had to pay my own taxes for last year because even though I had paid my payments and they had my escrow money to pay my taxes, THEY DIDN'T! I was charged late fees due to Panorama 's negligence and shouldn't have had to pay those out of my pocket instead of them paying them from my escrow. 

I am beyond upset, tired and frustrated with this whole mess, it has been 6 months for heavens sake. If I was 6 months behind on my payments I would be in forclosure, there would be no understanding. I know this because when I call in and the first person I get to talk to is rude to me because they see on the screen my payment hadn't been paid and don't know the story or take the time to see that I indeed have paid my payment and is the negligence on the company they work fors part not mine.
Product: Credit reporting or other personal consumer reports

Re

cently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I 've sent Transunion necessary information letting them know that the information on my credit file with US Dept. of Education is NOT valid. I 've sent the company information asking them to validate the debt with the original indebtedness to no avail. The mail keeps getting returned to sender to me after multiple attempts. The information on my credit report is the information I 've use to send to the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.
Product: Money transfer, virtual currency, or money service

I tried to transfer my funds from my investment account to and they never did
Product: Vehicle loan or lease

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : 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 record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I repeatedly get calls from this company, which uses several numbers, and I have repeatedly informed them that nobody by the name they are looking for is associated with my number. They still keep calling. Last call was at XXXX this morning.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian has lowered my credit score by XXXX points during the late XXXX and XXXX 2023 months. The Credit Bureaus has altered my score with the information that my school loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment until XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Product: Mortgage

Trying to obtain a short sale approval for a deceased borrower. Submitted a completed short sale package twice to the lender/servicer Financial Freedom/One West Bank on XXXX/XXXX/16 and XXXX/XXXX/2016. The file has been assigned to a XXXX XXXX at XXXXXXXXXXXX. I have send email to follow up but emails has been ignored. I was told that XXXX has XXXX45 day to look at the file and there is nothing I could do to expedite that. Can you offer any assistant in this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres hard inquiries not consent to pull credit or report it
Product: Credit reporting

Experian is showing I have an account with XXXX XXXX that is delinquent. I have been disputing this account for almost three years. They have not removed it, and now they have added another XXXX XXXX delinquent amount owed to my credit report. They are also saying it will not be removed until XXXX 2022. Which means it will stay on my credit report for over ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : No Response from Wells Fargo regarding Duplicate Credit Inquiry Request Escalation of Hard Inquiry Removal. 

Dear Consumer Financial Protection Bureau I am in receipt of NO correspondence made by Wells Fargo. 
In my original correspondence, I advised Wells Fargo of the Duplicate Inquiry made by Wells Fargo, and to verify the accuracy of the inquiry but yet the Inquiry is currently reporting as of XX/XX/XXXX with no response from Wells Fargo and no verified information from them. Additionally, on XX/XX/XXXX I wrote Wells Fargo regarding the Duplicate Inquiry. Wells Fargo pulled my credit two independent times. One with my permission, and another the very next day without my consent.

Furthermore Wells Fargo did not respond within the thirty days allowed by the FCRA, or provided any evidence. Several laws has been broken and pointed out since then.

Finally, Wells Fargo didnt bother to respond to my In branch inquiry as I assumed I could escalate from a branch level due to no response, and all fail to respond by law. Wells Fargo failed to respond or provide any feedback regarding the duplicate inquiry from a branch level as documents were confirmed faxed by the Branch Manager. 
1.I filed the dispute of this particular duplicate Inquiry that Wells Fargo is reporting under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this inquiry record.

2. I contacted Wells Fargo several times regarding my formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Wells Fargo for the Inquiry that you are reporting. II contacted Wells Fargo with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Wells Fargo for the Duplicate Inquiry that they are reporting.

3. Wells Fargo must have adequate records to substantiate the inquiry. Tort law is quite clear in this matter! Wells Fargo has 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines 4. I have LEGALLY exercised my rights by disputing the validity of this duplicate Inquiry. I have in writing and attempted to confirm the accuracy of the information reported to Wells Fargo ; and during this process the acts by omission by Wells Fargo prove substantially that the Duplicate inquiry as reported is invalid. By ignoring my legal validation demand is in direct violation of the FDCPA. Since Wells Fargo has knowingly violated both federal and state law and I can document this violation, I am demanding that they CEASE all reporting activities. Stop at once reporting the Duplicate inquiry in question to XXXX and delete it from my credit report at once.
Product: Credit reporting or other personal consumer reports

The reporting agencies Transunion, XXXX, and XXXX have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.