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

-Midland Credit Management I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Mortgage

In 2008 I went through the HARP program and paid all monies told to pay which were held in an unapplied account. Based on this situation the lady that called me last week told me pretty much " to Bad '' I have never ever made a late mortgage payment even if I did get to eat.I pulled my annual credit report this year to find this inaccuracy. I have filed a complaint to Wells Fargo and to the credit reporting agency. There show derogatory mark on the credit for this mortgage ( XXXX ). The lady was rude and told nothing would change on my report. It is inaccurate and I want it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I applied for a credit card at XXXX  XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im XXXX, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report  about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX  and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I didn't receive any answer from experian. So, I complained about this situation in XXXX and I didn't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I don't have any bad credit report in my country in any place so I need help to solve that as soon as possible.
Product: Money transfer, virtual currency, or money service

My grandmother 's inheritance gave me some shares in a company in my origin country. I gave my uncle power of attorney to sell my shares and send the money to my account in the USA at Chase Bank. I went to the bank branch and informed them about the transaction, and they told me that it was fine and I won't have any problems with those funds. So on XXXX, my uncle sold the shares for $ XXXX collected the money, and on XX/XX/2023 sent the money through the money exchange office, which usually is the best way they use to send money, and usually, they send it to new york, and then they send it to the bank account. So I received the money through multiple checks and orders from New York. on the XXXX, Chase Bank put a hold on my money and closed my account. They even put a hold on my paychecks through my work. I contacted them so many times and went to the branch asking why they did do that?! and they just said that we need to verify the checks and that they could not do that ; I gave them the name and phone number of the person who did the exchange from New York, but their system is outdated and could not very him, and they are refusing to give my money. It's been 3 weeks, and still not giving me any reasonable explanation of why they are holding the money while I gave them all the information they asked for, I have all the documents of the sale, and that is all legit. 
Please, I need help to get my money back from Chase Bank.
Product: Debt collection

My complaint is against Nissan Motor Acceptance Corp. A/C # XXXX. In XX/XX/2020 I co-signed for my son to lease a car. My son lost his job and I just found out he did not make several payments and was two months late. I am fully aware that I am responsible for making the payment if he does not make them, but my complaint is that at no time did Nissan Motor inform me the payment were late. They are claiming they did not have my information but at the very minimum they have my address. There is no way they would allow me to be a co-signer without getting my personal and contact information. At no time during this process have I received an email, a phone call and much less a letter letting me know the payment were not being made. As soon as I found out about the late payment, I called them at XXXX and brought the account current. I also told them I had just found out the account was late and was asking why I had not been notified. They told me they cant control the USPS and most people call to say they have not received the letters they send. The claim they sent two letters. At no time did I receive any letters and I have proof. I am set up with the USPS and every morning at XXXX I get an email with a copy of the envelopes I am receiving that day. I can provide these emails going back several months if necessary and you will see that not one envelope was received from Nissan. I asked the rep who would only give me his first name of XXXX, if he didnt think it was strange if as he says most people claim they dont receive mail from them. I did not receive any mail or notices from them. This has a big impact on me since late payments are reported to the credit agencies which can impact negatively in many aspects. It impacts jobs, interest rates, ability for me to refinance my mortgage, car insurance, just to name a few. Since Nissan did not notify me that the payments were late, they should also not have the authority to report this to the credit agencies such as XXXX, XXXX and XXXX XXXX. As a co-borrower I am obligated to make the payment but if the borrower does not make the payment, Nissan is also obligated to inform me that a payment is due. I have my obligations as a debtor, but Nissan also has an obligation as a lender. I want a letter from them confirming they will not report the late payment since they did not due their due diligence in contacting me. I am sure my conversation with them was recorded. I am asking the CFPB to assist in this complaint since they are so difficult to deal with. I was finally able to get my son to give me a copy of an old statement which I provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My Identity was compromised in the past. I want the following information removed from my Early Warning consumer report. 

Bank Name : XXXXXXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I received a letter from Mohela titled " Interest Accrual During Forbearance '' in which they told me that interest accrues on my account and I have the option to pay interest. The year prior, I had paid my student loans via auto debit from my bank account. So, in a panic, I made a payment on XX/XX/XXXX to try to offset interest. My payment never showed up on my account, so I called Mohela, and they had no trace of the payment. They told me I used the wrong account number since apparently everyone got new account numbers over the summer ( since the last time my payment was auto paid from my bank with my old account number ). They also told me that letter was sent to everyone by mistake. 

With my new account number, I contacted my bank in person to try to cancel or redirect the payment. They can not do anything -- so I contacted Mohela for a refund. After being on hold for XXXX and a half hours, I spoke to an " advanced agent '' who said she was looking into the matter and asked me to wait on a brief hold *seven* times. After she put me on hold for the XXXX time, they hung up on me. I called back and the estimated wait was XXXX hours and XXXX minutes. Instead, I called the bill pay customer support through my bank, and they are opening a research ticket on my behalf. I am hopeful they will be able to resolve the issue. 

However, I urge the CFPB to investigate MOHELA on a nationwide level of scamming student loan borrows -- - from deflecting phone calls, sending out letters of disinformation, to disappearing payments without a trace. I am not the only XXXX in this boat. Please read the countless testimonies on XXXX ( Mohela group, PSLF group ), XXXX, and XXXX  platforms for a broader scope of the various pits of XXXX we have endured. 

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

I refinanced a home loan from FHA to conventional. Loancare will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call Loancare because it's a total circus!
Product: Mortgage

I built a house in XXXX when the house was finshed I received a mortgage with XXXX XXXX Bank which sold my loan to Washington Mutual. Which filed for bankruptcy I 'm not sure of the date of the bankruptcy filing but at XXXX/XXXX/XXXX my balance on my mortgage was XXXX. Not sure of the date but Washington Mutual was ether sold or given to Chase on XXXX/XXXX/XXXX the balance on our mortgage was XXXX do n't know the exact dates we have been told are home is going to be forclosed on sold on the steps of the steps of the court house for not paying are taxe 's all the time we had over {$12000.00} in our escrow account.On appox. XXXX XXXX Chase sold our mortgage to XXXX with a balance of XXXX on XXXX/XXXX/XXXX they gave us a loan modification 4.25 % for 40 years I would be XXXX and my wife would be XXXX XXXX XXXX. We went to our local bank were we have been banking for over 20 years were given a very good loan at 5.5 % for 15 years XXXX said our payoff on our mortgage was XXXX. I been paying on this loan for 20 years and owe more on it then when I frist took it out.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX my loan is XXXX with selene finance I'm XXXX payments behind. I applied for loss mitigation I send in proof of income XXXX XXXX a year. Iask for a repayment plan I get letter dates XX/XX/XXXX saying I'm denied for a standard modification reason is I don't have any income and I think they made a mistake here i want to go on a repayment pla to catch up.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, i enclosed report and complaint with the cfpb that negative infornation has placed on my report due to individuals or group using or my information to obtain credit
Product: Credit reporting or other personal consumer reports

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX Auto Loan ) 2- XXXX XXXX ( Credit Card )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/XXXX  payment period put me at XXXX, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from Experian and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned fromXX/XX/XXXX -XX/XX/XXXX and received my XXXX  degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name Is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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: Money transfer, virtual currency, or money service

I purchased a property in XXXX XXXX for investment. I received emails from someone posing as my title company with wiring instructions for the closing cost of the property. I found out 3 days later from my actual title company that I had been scammed. My bank immediately placed recalls on the wire and I made a police report. The recipient 's bank has said that they will not return the funds despite knowing that it was a fraudulent ( bank if America ) transaction. Bank of America is allowing criminal activity and is protecting their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  was evicted by  XXXX  properties in  XXXX . In  XXXX ,  XXXX  's attorney and I reached an agreed order for limited dissemination pursuant to RCW 59.18.367. The order says " tenant screening providers are prohibited from disclosing the existence of this unlawful detainer action in any tenant screening report... " Ms.  XXXX  is living in her car with her  XXXX  minor children because each and every time she applies for a tenancy the report comes back detailing this eviction.     To make matters worse, I can not add her to this complaint as an additional person to send information to because she is homeless.
Product: Credit reporting

Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.
Product: Mortgage

Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.
Product: Money transfer, virtual currency, or money service

I had sold a phone to someone online and i had reset the phone but they soemhow restored my info i initiallty took off. They logged into my cashapp account and transferred {$160.00} to a random person whom i do not know, named XXXX XXXX. i called the company, chatted with them, numerous times and my ultimate final decision was that they couldnt do anything and all i could do is request a refund from that person that took the money. i did that even tho it was stupid and pointless and low and behold i never got my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau as well as XXXX  are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and XXXX  credit bureau