23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to Lexis Nexis and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the XXXX standards, which mandate accuracy and completeness. According to XXXX guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the XXXX Format, I am requesting a thorough investigation into the following inaccurate items on my credit report. Address on Bankruptcy doesnt match my address or any address I have ever had. XXXX. Banckruptcy XXXX  XXXX # XXXX XXXX. Bankruptcy XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. Trans Union has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

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 maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

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

Transunion still has not removed the hard inquiries from my credit report involving XXXX I have overlooked my report and there is a inquiry from XX/XX/year>2023 and XX/XX/scrub> 2023. I have reached out to XXXX and they stated they have asked XXXX  to remove the hard inquiries due to them being fraud
Product: Debt collection

BYl collection services did not provide adequate verification fpor debt question. No documents were provided showing a contract or signature
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I visited the JP Morgan Chase branch in XXXX XXXX, NY to do an international wire to XXXX XXXX for XXXX the money was taken from my savings account, however the clerk made many errors and did not send all the pertinent information. I had handed her an email that had the exact instructions on it. 
When I asked why certain information was not on the receipt, she told me it was not necessary. The first omission was the intermediary bank info. 
After numerous visits to the branch and phone calls to the XXXX # nd also messages on the secure message section on chase.com it is still not received to the proper person in XXXX XXXX. He has been checking every day with his bank. 
All Chase says is that the transaction was complete and the money is in XXXX XXXX. 
Supposedly the Executive Office of Chase was notified of the problem. And also a total lack of communication from all parties.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Mortgage

My loan was recently transferred to Specialized Loan Servicing. My loan does not have an escrow account, however there is currently an escrow balance of {$3700.00} on the account. I have contacted SLS several times about the refund of this balance but have not received any update on when it will be disbursed to me.
Product: Debt collection

I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to discuss the fact that my utilization went from 80 % usage down to 24 % usage and they decreased my credit score by 11 points. While XXXX  and XXXX  increased my score. Upon discussing this issue with a representative and asking to speak with a manager the representative disconnected the call. I attempted to call back and was placed on hold and then disconnected again.
Product: Debt or credit management

Having money and payment delayed also in the delaying of funds not being able to communicate with anyone about my issues. Cash app has always been something I can depend on, but maybe XXXX years in it just became hectic and not having someone to communicate about the issues was major. It still is a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted XXXX  and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with XXXX  and Wakefield and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from Wakefield and associates as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and XXXX  still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.
Product: Mortgage

On XX/XX/XXXX i lost my job in the process i begin to try to catch up with my mortgage payments i only had two months behind i was told to put in the paperwork to start a process with assistance for my mortgage it was approved on XX/XX/XXXX my first payment was XX/XX/XXXX i made that payment along with XXXX XXXX and XXXX and XXXX and XXXX payment i am now waiting for them to cash the other payment that i sent out on XX/XX/XXXX i had to cancel the payment with the bank and resend they didnt ' still take my payment i don't know what they are doing but i submitted paperwork on XX/XX/XXXX with everything that i submitted early this year and know one has reach out to me i have been calling they have been hanging up on me i don't know what to do i have XXXX in my retirement that i will be paying back to the back loan but i am in the rear more than that i am trying to keep my home i have a XXXX child with XXXX XXXX and i need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Core Advisory Group last XX/XX/XXXX to seek help with my mortgage situation. After being denied for a loan modification by my lender XXXX I was in desperate need for some help in order to save my house, so I sought help with a company name Core Advisory Group. They had sent me a mail advertisement that read XXXX and my loan was eligible for a payment reduction and interest rate to be as low as 2 % and also mentioned that I was a plaintiff against my lender for a lawsuit. Also the advertisement states, they can stop my foreclosure with their XXXX XXXX XXXX so I gave it another shot and reached out to the company to see how they can help me. 
After speaking with XXXX of their sales representative XXXX assured me that I have a strong case to file a complaint against my lender with federal agencies and government officials and this will force my lender to stop any foreclosure proceedings and get my bank to negotiate a new loan modification plan for me. They wanted me to pay a total of {$4300.00} all up front but I only can do a portion of that in payment plans so they agreed and I paid them {$1700.00} which my check was deposited into their XXXX account on XX/XX/XXXX. 
What frustrates me is that when they told me they had spoken to my lender XXXX, my lender told them that the reason I was n't qualified for a loan modification is because I did not make enough money to qualify and I already knew this. I wish if I had known sooner that this company preys on peoples vulnerabilities and will do anything to make you feel like there is hope for some help and as soon as you send them your money and you find out they were n't living up to their expectations, they will fight you to the very end to keep your money and that is what is happening to me right now. I have been misled and lied to. If it was n't for their deceptive advertisement to get me to call them, I would n't be out of {$1700.00} which I had to borrow from friends to help me out so not only did I lose that money to them, I am now in debt with my friend. I just want my money back and these people should be ashamed of themselves for doing this to people who really needs help.
Product: Debt collection

National Credit Systems failed to meet the federal standards in its attempt to collect an illegal debt from me. Because they will not follow federal guidelines I have initiated a XXXX federal lawsuit for damages. This is your notice of estoppel until this matter is heard by a jury. You must remove your entry until you win in the court of law.
Product: Mortgage

I paid my HELOC in full last year on XX/XX/XXXX and requested the account be closed as I no longer intended to use the account. The account was closed and I paid the reconveyance fee to have the lien removed from title. However, upon reviewing my annual tax documents for XXXX for my HELOC # XXXX I noticed I was double charged the {$220.00} reconveyance fee and it was listed as a " late charge payment ''. 

I've called multiple times beginning on XX/XX/XXXX, again on XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX to have this corrected, but they are refusing to refund my money and have not called me back. I have never had a late payment in my life and this is very upsetting to see no one is responding to this servicing error. It has now been over a year since they improperly collected these funds and I believe they should refund the money with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX credit bureaus and XXXXXXXX XXXX  are reporting inaccurate information on this account as follows : XXXX. Last reported date is inaccurate. The account was closed in XXXX by me. 

XXXX. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

XXXX. All XXXX bureaus are showing payment history well into XXXX that did not exist after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ received an email from XXXX regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called XXXX about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX XXXX marked you late. 

( XXXX XXXX a natural person ) XXXX told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy.

I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.
Product: Debt collection

BANK OF AMERICA is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$600.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delivered XX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 
In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX  & XXXX as of XX/XX/2018.
Product: Credit card or prepaid card

I bought XXXX XXXX tickets for my elderly parents in XXXX of XXXX but the Airline cancelled the flight because of Covid without reimbursement. I filled a dispute with American Express and everything got resolved. But then in end of XX/XX/2020 I say a back charge of {$1600.00} on my statement, I reached out to American Express and they told me that it was from the dispute back in XXXX and somehow they did there audit and find out. 
I think it is unfair to me that when the dispute is once settled and I have moved on and then I get this surprise back charge from my credit company because they made a mistake somewhere.
Product: Mortgage

On XX/XX/XXXX I opened a case with CFPB ( Case XXXX ) against The Mortgage Firm , Inc. in which they responded on XX/XX/XXXX and stated they made an error but it would be corrected within 30 days. It has now been way more than 30 days and they still have not corrected the issue. The issue being, that loan modification documents were to have been sent to us last XXXX, XXXX and it has been more than seven months and they still have not sent the new loan modification documents even though they were approved back in XXXX, XXXX. Furthermore, I found out on XX/XX/XXXX from a customer care agent that The Mortgage Firm had made another error in XXXX, XXXX and that is why we still do not have our loan modification documents even after our last CFPB case was opened and closed. The customer care agent we spoke with said our docs were once again re-ran on XX/XX/XXXX and would be on the way to us soon but could not pinpoint a date. We have heard this exact statement many, many times before over the past seven months to no avail. I am attaching a document with a timeline of all the issues we have encountered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC, 1681eb they are supposed to ensure that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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: Mortgage

My complaint is for XXXX XXXX loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX my house went in foreclosure XX/XX/2023 they told me about the notice XXXX I have not as today XXXX XXXX have not received a written notice I am working with HAF. Selene received a request for Amount due on delinquency XX/XX/2023 co no communication on when they will reply to HAF.i am XXXX XXXX XXXX been in the house over 15 years. I need help to keep my house