23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Can't get any information on my loan. Chase just purchased it. But I can't even get the loan #. I made a payment, but nothing was taken out of my account. I don't want to be delinquent, but can't get hold of anyone at chase. The level of service from my previous mortgage company to this I've is unacceptable. You need to have as high or higher standards than the company I previously had my mortgage with. 

I spoke to XXXX and she said that's chase has no way to see if payments have been made. She said even a supervisor will not be able to see if a payment was made to chase. She was not able to tell me who I need to speak to in order to find out about payment. 

Who do I need to talk to in order to find out if a payment was made? 

Why can't chase see when I pay chase? 

Still want able to get my loan # from them either. 

Horrible lack of service. 

Is it legal to require a complaint here too fond this information out? 

Is it really not allowed to make a payment on a holiday? I should be able to make a payment on any day.
Product: Debt collection

I.Q DATA INTERNATIONAL is attempting to collect {$7500.00} and stating the original creditor is XXXX TX I have not received a notice of this debt or money owed to either company. I have never been given a call or given information about this. Nor have I been given a bill or itemized information about this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Student loan

I am a full-time student. I asked my mother to help me figure out how to manage my student loans. She helped me file for consolidation and deferment through XXXX. When she called Navient to inquire about how to ensure they had current information and what options I had to get current, after waiting on hold for over XXXX minutes and having to call again, she was told that she had to pay MY back balance by Monday, XXXX XXXX or they were going to default my loan. That was stressed as the only option. When she asked for copies of the promissory notes to be sent by email, she was told that they " had to do that now that she asked for them '' but it had to go through the legal department and would not be in time for the XXXX XXXX deadline that he set. I am not sure that any information they gave me is correct as far as how to manage this debt as a full-time student with obviously limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet. I recently checked my credit report and saw many request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Product: Checking or savings account

I was scammed by someone using my JP Morgan account and was unable to receive my payment back.
Product: Mortgage

Due to being out of work since XXXX, I have been struggling to pay my mortgage. I recently retired and is living off my retirement, plus saving. All this is due to the coronavirus pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the XXXX XXXX XXXX XXXX XXXX XXXX and my local police department. Attached, you will find copies of my XXXX identity theft reports and my police report for your records. 

I have also mailed a copy of these documents to XXXX and TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Student loan

American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX  and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX  and Experian also refuse to remove inquiries on my profile that were not authorized.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was a victim of grand larceny and identity theft after someone stole my phone and hacked into my email account and all of my banking apps. The thief hacked into my XXXX ID and was able to lock me out of it, so I no longer have access to anything that was on the physical phone. They still have access to my photos, notes and any XXXX ID apps like my notes or files apps. 

Once the thief got into my phone, they found my social security number on a document in my email and proceeded to open XXXX new credit cards, and then they added those credit cards to my XXXX XXXX. I believe they went into physical stores to use my XXXX XXXX on my XXXX. I reported this to the police who are actively investigating. 

The thief opened the following accounts in my name and spent : - XXXX Credit Card ( account ending in XXXX card ending in XXXX ) : They spent {$970.00} at XXXX XXXX on XX/XX/16 at XXXX XXXX ET -- see attached receipt and a letter from XXXX I XXXX saying that my address had changed. 

- XXXX Credit Card : Has a balance of {$6000.00}. The following charges were reported at these locations : XXXX XXXX XXXX XXXX {$3000.00} XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$540.00}, XXXX am, XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I settled an old debt which was XXXX for XXXX this made the account resolved and LMNV funding said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to XXXX XXXX XXXX. Now they're saying I owe them, after the fact that i had this matter resolved!
Product: Debt collection

I have been contacted via mail and email for a debt that is not real. I called and they gave an address that I never lived at and a debt I never encured. Several attempts and threats to pay {$920.00} with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX Bank ( XXXX ), N.A. account ). I called in XXXX 2021 to file a dispute and they said the incorrect collection attempts would be taken care of. It is now XX/XX/2021 and the emails and mail has returned asking for me to pay ~ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX reporting an " old '' outdated personal statement. Probably all 3 are reporting old statements. Please remove all previously reported personal statements from all 3 credit bureaus. Thank you.

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX XXXX Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request.

3 ) XXXX ; TransUnion and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX   XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, Transunion, and XXXX, plus XXXX, disputing the the discharged debt. XXXX  dispute came back as the debt will remain, Transunion continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Product: Mortgage

My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Platium Credit Card is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX Signature Loan is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX assures me that they only made One credit inquiry and that was on the XX/XX/2018. But, Equifax shows that two Hard Inquiries were made by XXXX XXXX first on XX/XX/2018 and again on XX/XX/2018. I notified both Equifax and XXXX XXXX about this discrepancy on my Equifax Credit Report. XXXX XXXX insists that they show only 1 inquiry to Equifax which was done on XX/XX/2018. Nothing in their records to show an additional inquiry on XX/XX/2018 or anytime after XX/XX/2018. I reported this to Equifax and was told to Contact XXXX XXXX to have the additional inquiry removed by request. I did, and XXXX XXXX insisted they can not do that as they only made an inquiry on XX/XX/2018 and can not remove something they have no record of. Equifax told me that Equifax merely records requests from their customers when made and they can not be remove by Equifax. I feel like a tennis ball bashed back and forth in a never ending match. I have been using XXXX XXXX to keep track of my credit history for a couple of years now and that is how I discovered the error with XXXX XXXX. I have been trying to get a resolution to this with both XXXX XXXX and Equifax since I was made aware it happened when I checked my Credit Report on XX/XX/2018 with my last complaint to XXXX XXXX and Equifax on XX/XX/2018 I obviously need higher help.
Product: Checking or savings account

My XXXX year old daughter deposited a check into her gift to minors custodial account. ( My name is still on the account ) on XXXX for {$2400.00}. She was thought to have been hired by a legit job who issued the check and told her to purchase their software upon the check clearing. After speaking with her family she came to realize this was a scam and called the bank to notify them of concerns. Wells Fargo opened a fraud claim which resulted in them immediately and thankfully rejecting the mobile deposit preventing it from being negotiated at all. 

However the account balance drew negative immediately by the entire amount of the deposit. No additional withdrawals were made. None of the available funds that were in the account prior to this adjustment ( rejected mobile deposit ) are available to date. There are XXXX in funds being held by Wells Fargo that was formerly available. I am not sure of someone is internally a part of this scam and has processed abs withdrew these funds while making appear as rejected or not. We want this account balance reconciled immediately and existing funds made available. It is unexplainably ridiculous that a mobile deposit would be rejected and also withdraw the account by the amount of the deposit without anyone having accessed the funds. Please have them fix this. They can not legally hold her existing funds. Wells Fargo never follows the rules and this another grave instance in which they create and follow their own rules. It isnt right. They have rejected the deposit yet simultaneously still have it on hold as if its processing to be cleared and negotiated. They can not do that. Such conflict puts them in error.
Product: Credit reporting or other personal consumer reports

My account with the following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports