23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for mortgage in XXXX, Loan Depot wholesale mortgage and received approval at the beginning of XXXX. It was commitment with conditions. All conditions were emailed few times to underwriter and were accepting. I extended closing 2 times and paid for extensions. All the time I received requests for same documents, and these documents were submitted a few times. Day before closing, the underwriter kicked back file asking same documents as a missing item. And the request was made at the same day with the closing. The missing items didnt even related to the mortgage conditions or approval, and by law they can not ask for it. Today is the closing day, and the underwriter did not answer phone calls or emails. Tomorrow, the buyers will walk away from contact, and will keep my deposit because the mortgage bank playing games with my file.
Product: Debt collection

Portfolio Recovery collection agency was filed on my report on XX/XX/2017 The amount that this company is saying that I owe is a total of {$360.00}. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. Portfolio Recovery was not able to give any validation just a copy of a bill that I was not responsible for. I am asking that they remove any collection amount from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile just recently there were accounts, addresses, employment information, and several different phone numbers I did not recognize. I first did a police report also a FTC report to report I was a victim of identity theft. Then, I sent the information to all XXXX credit bureaus. I was told I had to dispute this account which I did and each time it comes back saying verified. Then I started asking how is this account being verified if this is not mine? With no response back just each time verified. Each time I'm sending in a debt validation letter with no response other then this document that I've enclosed.
Product: Student loan

Navient and XXXX teamed up to defraud me as many other students with high interest private loans. As of today, XX/XX/2024 I owe XXXX in fraudulent student loans thanks to XXXX and Navient. I've tried using their income driven repayment plans, but Navient refuses to lower my payments to an acceptable amount. They are fully aware of said fraud and continue to harass me.
Product: Credit reporting

At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.
Product: Mortgage

Dear XXXX XXXX I appreciate the letter Dated XXXX XXXX, XXXX As we have been working on lien release for almost two years Wells fargo has reconvened liens for another property not related The judgement listed in the attached title report is unrelated to mortgage listed in Wells Fargo letter received - related to another mortgage. 
The money judgement is not related to XXXX XXXX XXXX - see title report For the record - XXXX XXXX XXXX in fact did receive a check from Wells Fargo - see entire account history XX/XX/XXXX-XX/XX/XXXX, however I agree should not have. 
XXXX XXXX XXXX request for funds are not related or connected to this matter. 
Recording XXXX in Wells Fargo letter XXXX XXXX, XXXX. 

I located the court record and provided to Wells Fargo in XXXX to confirm entirety it is a Wells Fargo judgement. 

With your assistance I would like to avoid reopening bankruptcy to request to avoid lien - I have receive all other liens from listed creditors except Wells fargo. 
Wells Fargo can go to court website and review case summary - XXXX XXXX XXXX is not associated with this lawsuit. 

XXXX XXXX has Wells fargo listed as below A certified copy of a judgment or an abstract thereof, recorded XXXX XXXX, XXXX as Instrument No. XXXX of Official Records. 
Court : Case No. : Debtor : Creditor : Amount : Superior Court of California , County of XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, N.A., a National banking association, c/o XXXX XXXX XXXX, XXXX {$7500.00}, and any other amounts due thereunder
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX  XXXX XXXX - OPENED XX/XX/2019 - {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

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 166b A creditor may not treat a payment on a account under an open or closed consumer credit plan as late for any reason.
Product: Checking or savings account

On XXXX I asked an insurance company, XXXX, to prepare a proposal. On XXXX, Salesperson at XXXX XXXX XXXX talked to me on the phone to present the underwriting documents and payment schedule. On XXXX XXXX agreed to withdraw a monthly statement amount of {$30.00} for 12 months. The agreement was also to allow a one-time fee of {$50.00} to add two properties to the Invoiced monthly statement, aforementioned. The payment receipts do not match the binder proposal, and the last document valued my property at XXXX, so I asked for an explanation for the overcharges. The Salesperson at XXXX stated I was paid in full on XXXX. I complained to the manager that the Salesperson refused to supply documents to back up the claim that the account was paid in full, since my online account showed a different, smaller amount was charged and claimed I would still be requied to make future automated monthly payments. I received a call back on XXXX from XXXX XXXX who asked me to stay. I said I was not accepting the proposal due to the company refusing to provide a payment receipt or paid invoice which reflected the proposal, and had given them another request for updated documents. The company sent the old binder to me, even including the payment receipt for one draft payment. I contacted JP Morgan Chase regarding there were 2 ACH withdraws pending on XXXX, one unauthorized charge was there, and one charge for a random dollar amount that I refused payment for. Chase is hanging up on my calls and will not accept my document uploads. Chase is requiring a 'fax ' of documents, old technology I don't have access to. Chase recommended I call a local banker, but the local banker hung up on my calls, and refused to allow me to send proof of that I and XXXX no longer have a contract and their website says cancelled, but they have generated documents for Chase that says they plan to take out more payments in XXXX as well as leaving the insurance coverage as 'deleted ' on the account. They deleted the contract online and they are holding my banking ACH open for transfer without any payment amount or schedule. If they don't steal it from Chase then they will go after my credit score with possible credit bureaus obtaining false reports and gains.
Product: Credit card

My identity was stolen and a charge card ( My Place Rewards Card ) was opened at the XXXX XXXX XXXX retail store on XX/XX/XXXX. A fraudulent charge was made on the account for {$230.00}. I was not aware that any of this was happening. I never received a statement in the mail or any other correspondence from Comenity Bank that this transaction or the credit card that was opened happened. The way I found out was I randomly ran my credit report a few months later and had seen that my credit score had dropped over 100 points, then I looked at the report and saw the fraudulent charge on the report that was never paid. I called Comenity Bank immediately to resolve this issue and spoke to their fraud department and they said they would take care of it right away. Well they didn't take care of anything. I received a letter from another company called XXXX XXXX on XX/XX/XXXX looking to recover the debt from me. So instead of Comenity taking care of the fraudulent issue like they told me they would, they instead sent the balance on the card out for collections. I spoke to XXXX XXXX twice about this issue and they said they were not going to pursue the debt collection due to the fraud that I experienced. Unfortunately this fraudulent charge is still on my credit report and I want it removed and my previous great credit score restored. I apreciate any help you can provide. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted serveral disputes regarding the same accounts on my consumer report that Equifax has continued to state that the information is accurate and that it was certified by the creditor reporting the accounts. Pursuant to 15 usc 1681b permissible purpose must be follow. Congress stressed the right to privacy for consumer and Equifax XXXX XXXX XXXX XXXX has failed to maintain accurate and secure consumer data on my reports. I also notice that they allow anyone in which I have no contract with to access my consumer report via soft inquiries which invades my right to privacy and puts me and my family at risk to being harm physically by predators. I have disputed information for years under XXXX XXXX XXXX XXXX XXXX just to name a few CFPB and for the same accounts inaccurate information has been reporting from the same creditors to several consumer reporting agencies and they claimed to be accurate. I never received the names of the alleged person Equifax XXXX XXXX XXXX XXXX XXXX XXXX certified. I and asking that the CFPB step in and fine Equifax for it unfair business practice, and repeated failure to comply with the FCRA.
Product: Mortgage

Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.
Product: Credit card

Claim ID : XXXX Chime strikes once again. This is exactly why I never use them any more for purchases that I know will have even just a 1 % chance of me later on needing to dispute them. Just like with all my other disputes in the past that Chime grossly mishandled, I showed them more than one piece of documentation. I showed them all my communication with the merchant in which case I got nowhere and got no response ( Attached ). More importantly, I showed two photos of the service provided, which prove that still after a year and 3 months the work has not been properly completed ( Also attached ). I provided valid documentation, and I know for a fact that the merchant didnt even respond at all. Because if they did, I wouldve been provided with more than a copy of the intake form. And when the cardholder shows documentation and the merchant doesnt even respond at all, the bank is automatically supposed to go in favor of the cardholder. Chime needs to stop playing their sick games and credit my account for the funds of the XXXX transactions equaling {$1600.00}, so that I can go elsewhere and have this god awful XXXX removed and a new XXXX put in. One that matches the color as the rest of my XXXX, is not bulgy, and is properly aligned according to the rest of the front bottom row of XXXX. Also as you can tell in the photos of my mouth, they removed what they claimed was excess XXXX XXXXXXXX, but obviously removed too much and claimed to me several months ago it would grow back. But it hasnt one bit If Chime refuses to take the appropriate action and credit my account for {$1600.00}, not only will this complaint and the fact they did not resolve this remain on file, but I will be filing a lawsuit against them for the value of this dispute, along with the value of the other disputes I had filed with them in the past against XXXX. These people should not be able to continue to get away with their unethical business practices, and they won't. Not if I can help it
Product: Debt collection

On XX/XX/21, I contacted Portfolio Recovery to inquire about a collection for XXXX XXXX reporting to all 3 major credit bureaus in the amount of {$1200.00}. I spoke to 2 representatives and a supervisor who all stated that they could find NO record of the collection in their office. They stated that since they could find no record, they couldn't do anything about it. 

I am currently in the processing of loan approval and having this collection on my reports is not only hurting my scores, but also the history of my reports. I have included screenshots of the erroneous reporting and their contact information listed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with EXPERIAN regarding a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, the exact data being disputed was identified/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the disputed data and to provide me with documentation showing how this information is correct, because it is not. Certified letters were sent to Experian in early XX/XX/XXXX. It is now XX/XX/XXXX. Proper notice has been provided to Experian on numerous  occasions. I have not received any response back and Experian has failed to comply with their investigation requirements, per Federal and State law. I am, again, disputing the accuracy of this data ( Experians 4th notice ) and putting on the public record that Experian has negligently refused to comply and willfully violated their duties under the FCRA including updating the validity of this information. This information should not be on my file. -- -> THE DATE BEING REPORTED, ALONG WITH SOME OF THE PERSONAL INFORMATION ON THIS RECORD IS INACCURATE.< -- - Newly implemented mandates that took effect in XX/XX/XXXX clearly demand Public Records on Credit Reports MUST include and match the name, address, and a Social Security number or date of birth of the individual that record is attributed to, or else must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, has violated my rights. 

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.
Product: Debt collection

Sent a letter to midland credit management and XXXX bank to validate debt on XX/XX/2022. I have sent a demand letter with no response.
Product: Mortgage

I am currently on a XXXX  % int rate at about {$2000.00} per month and i was having trouble making the payments so I was declared under the forbearance plan and now I am approved for a loan modification. I am writing a complaint to and hoping Selene Finance would reconsider the option of placing me with an outrageous XXXX  % interest rate at a {$3500.00} per monthly new payment beginning soon. My previous payment was only {$2300.00}, which is {$1100.00} additionally per month and a XXXX  % interest rate more than my prior rate, however my loan maturity date stood the same ending on XX/XX/year>. With a rate and monthly mortgage going into this direction, I might be repeating the cycle of not able to afford the payment. Would you please strongly reconsider to contain the XXXX % int rate on a XXXX fixed plan or defer the new balance on the backend of the loan and that would put me in a much better financial position to afford the monthly mortgage.
Product: Debt collection

In early XX/XX/XXXX I was contacted by XXXX about a new debt that was put in to collections. Details below : ORIGINAL CREDITOR : XXXX in XXXXXXXX TX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Amount : {$4700.00} The debt was sold to COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ; XXXX ). I contacted them informing them this debt was not me and a result of fraud. They informed me it was a debt for an apartment in XXXXXXXX TX. I have lived in XXXX, TX with my wife since XX/XX/XXXX with documentation and witnesses to prove so. They sent me a packet to fill out which requires 4 things : Proof of residence during the time which the fraud occurred, driver 's license, a filed police report for report number documenting the crime and unit that is fraudulently in my name, and a copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. 

This is my attempt to get the FTC complaint required for GENESIS to remove the debt.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian and XXXX for Inaccurate Reporting of Auto Loan Account Dear CFPB, I am filing a formal complaint against Experian and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and XXXX XXXX compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : Experian : Reports the date opened as XX/XX/XXXX. 
XXXX : XXXX the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under XXXX XXXX standards. 
Inaccurate Date Last Active Reporting : Experian : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
XXXX : Reports the XXXX as XX/XX/XXXX. 

The XXXX XXXX standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both Experian and XXXX report a payment history showing " 60 days late '' and " 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

XXXX XXXX guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, Experian and XXXX have not corrected or removed the inaccurate late payments. 

XXXX XXXX Compliance Violations : Inconsistent Reporting : XXXX XXXX guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to XXXX XXXX procedural requirements, leading to a negative impact on my credit profile.
Product: Credit card

Someone applied for a CITI Master card credit card in XX/XX/year>. 
XXXX was mailed to me XX/XX/year>. 
I called and had account cancelled. They tried to get XXXX balance transfers of {$4700.00} & {$6800.00}. 

Citi Fraud indicated they would stop those transfers.
Product: Checking or savings account

I opened an account XX/XX/year>. I tried to send {$35000.00} each on XX/XX/XXXX and XXXX 2024. I was told there is a hold of XXXX months before transfers are allowed. 

I requested closure.. was told a check would be mailed. 

XX/XX/year>, my closure is being denied cause my phone number can not be called to verify me. 

I want my money out of Marcus Bank.