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

This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX  to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!
Product: Debt collection

Credit collection services company constantly calling about so-called past dues from my insurance company -- XXXX from XXXX XXXX Reference file XXXX send the collections debt if any via mail stop threats/harassment stop calling/stop texting settle with my debt consolidation company work with my debt settlement company
Product: Credit card

I reported fraud on my Citi Double Cash Card on XX/XX/year>. I locked my account and requested a new card to be sent. I disputed several charges on that day, specifically including XXXX charges to XXXX that were unauthorized and not made by me for {$530.00} each or {$1000.00} total. 

As of XX/XX/year>, the disputes were marked as " You're in the clear '' and that the merchant issued credit and my dispute for the XXXX {$530.00} transactions is " resolved ''. 

As of XX/XX/year> I spoke to another customer service representative and they informed me that it can take up to XXXX  days for my account to receive the merchant credit which is my money not Citi 's. They have not provided an update and there is no indication that my account will receive this credit or that I will not be liable for the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Home Depot is reporting al ate for XX/XX/20 that I would like removed. I got very sick around this time and ended up contracting XXXX where I was then out of work for over 2 weeks. During this time I fell back on a lot of accounts and really had to take care of necessities first. I ask that Citibank please remove the late as I was going through hardship and I had not been late prior or since then.
Product: Debt collection

Schreiber Law LLC " XXXX NH '' has filed suit against me over a debt that I've tried to settle with them. I've contacted them with offers to settle to no response. I've filed an answer to said lawsuit. They will not respond. The mailing address has somehow changed In 2 days. I'm not comfortable dealing with Debt buyers that can't respond to someone wanting to settle a debt they may or may not agree with, and change mailing addresses.
Product: Mortgage

I am filing a complaint regarding Panorama Mortgage Servicing Companys mismanagement of my escrow account. Despite being responsible for paying my property taxes, homeowners insurance, and HOA fees for the XXXX period, these payments have not been made. Additionally, there are discrepancies in my escrow account, with missing funds and totals that do not add up. I have contacted the company but have not received a satisfactory resolution. This mismanagement has caused financial stress and risks, including potential penalties and lapses in coverage. I request CFPB 's assistance in resolving this matter promptly.
Product: Credit card

I have opened an account and requested a new credit card from American Express. 

The Credit CARD never has been delivered at my home, I never received or used it But on XX/XX/2024, I received a call form AMEX about suspicious activity in my credit card ( the one I never received ). I prompt denied all the purchases but they made me stay more than 3 hours over the phone while they were trying to solve the situation. 

AMEX was not able to solve it or cancel the card in that moment and appeared in my account almosXXXX XXXX $ XXXX in purchases that I had never done. 

I had to call them to ask what happened, they open a Fraud Dispute. It took more than 45 days to be analyzed and Denied with no reasons. 

During this period, I have been talking with them by Chat and proving the information requested again and again and they are only promising that they will solve the case. 

Nothing has been done, and then, I received a letter denying my case. Again, I tried to call them but they are asking me everything again and again but I do not believe more in the support and that they will really solve the case. 

Now, I have a statement of XXXX $ XXXX to be paid by XXXX, XXXX. I do not see any serious engagement from AMEX to solve it.
Product: Debt collection

I called R.A Rogers , Inc on XXXX XXXX XXXX  I spoke with XXXX XXXX XXXX XXXX XXXX. I identified and verified my identity to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I received a letter in the mail regarding an alleged debt owed. I request that the ONLY convenient way to contact me is via email. I want to bring to your attention that after notifying XXXX XXXX XXXX I received a mail stating " This is the second notice to take care of your account with a balance of XXXX XXXXwith the above referenced creditor. '' I am hereby putting you on NOTICE in writing that. I am requesting VERIFICATION of alleged debt under Oath signed by a notary to authenticate that alleged amount owed is valid and lawful. I am also requesting that the ONLY convenient way to contact me is via email. See Attachment for more details.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Credit Reporting Agencies and Companies for violating my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681. Specifically, the agencies and companies has reported outdated and inaccurate information on my credit report without my written consent, which is a clear violation of my federally protected consumer rights. 

Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information. 

Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c, the FCRA imposes strict guidelines on the reporting of obsolete information. Specifically, information that is outdated and beyond the permissible reporting period should not be included in consumer reports. The account in question is old and should not be reported. 

The following entities, including the major credit reporting agenciesExperian, XXXX, and XXXXand the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX XXXX XXXXXXXX XXXX XXXX veteran after serving in XXXX in XXXX. I was XXXX XXXX in XXXX. Today, my XXXX-old son is a XXXX  in the XXXX XXXX stationed in the west coast. He and I know all about doing the right thing when no one is looking. 

After attempting to refinance my VA home loan with the above-mentioned broker, it has come to light that they do not care about doing the right thing when no none is looking nor do they care about doing right by our military veterans. 

XXXX XXXX is an agent of mortgage broker, C & E Financial Group , Inc. DBA Vintage Lending. XXXX XXXX is the owner of Vintage Lending. In XXXX of XXXX, with my explicit consent, Vintage Lending refinanced my VA backed mortgage from 6.25 % to 2.75 %. As a XXXX XXXX XXXXXXXX veteran, I am exempt from different fees, including property taxes. 

On XX/XX/XXXX, I emailed XXXX to inquire about the refinance interest rates he was currently offering to which he replied 1.75 %. I did not hear from XXXX until XX/XX/XXXX, when I emailed him asking about a hard credit inquiry notification I had just received. A hard credit inquiry I did not give explicit permission for. I explained to XXXX that after calling XXXX XXXX at XXXX, they explained to me the hard credit inquiry was processed by C & E Financial Group of Utah. XXXX then calls me and explains that he helped himself to my social security number by searching my file, typing my social security number into his computer and processing a hard credit inquiry. Misleading and unethical business practices. 

In the legally obtained recorded phone call, XXXX admits to his misleading, unethical, reckless and unauthorized business practices. He also mentions that if I refinance with them again, I would not be charged any fees because I am XXXX XXXX XXXXXXXX. The thing is, I was XXXX XXXX XXXXXXXX when they refinanced me the first time and I was charged over {$5000.00} in fees. It sounds like their VA loans need auditing to ensure our veterans are not being taken advantage of. 

Resolution sought : This mortgage broker should be investigated by having all their VA loans audited and disqualified from processing anymore VA mortgages.
Product: Debt collection

On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXXXXXX 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  IL XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX XXXX XXXXConsumer to EQUIFAX am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, EQUIFAX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making XXXX XXXX  the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY
Product: Debt collection

Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that XXXX Midland certified return receipt requested. 

Midland is not my creditor. I have not signed any contract to pay any monies to Midland. I have no payment history with Midland but they are supplying payment history to credit reporting agencies. 

Midland is not my creditor.
Product: Mortgage

Chase Bank who holds the loan and services the escrow for my mortgage account. Have not been responsibly managing the escrow portion. My account has been debited for insurance purposes but insurance has not been paid. I've been double billed from two separate companies, within the escrow for the same amount of money. And my monthly statements for escrow do not match up with what Chase Bank sent me. They're showing charges and XXXX for insurance payments on a bill that they just sent me. That are not on the paper copies that I get monthly. Looks to me that someone went in after the fact and try to add this information. And send it out on a paper copy ask for when they say they made homeowners insurance payments. I have a copy of all of XXXX statements from Chase Bank. As well as their escrow analysis statement which shows then paying homeowners insurance two two separate companies for the same dollar amount and the month of XX/XX/2020. But my XXXX and XXXX statements dispute. Now they're raising my monthly payment and saying that my escrow is severely upside down. And the dollar amount that they say they paid for the homeowners insurance is incorrect. It was due in XXXX. But after it was not paid I paid it directly from my credit card in XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response a respose yet I feel ignored of my disputes. The law stated in section 611 failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will be forced to file for litgiation due to the stressed u have caused me. My information was also impacted by the XXXX data breach and probably reached the wrong hands.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mine XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMorgan Chase Bank is reporting the wrong mailing and residential address to the credit bureaus and other entities. Consequently, my mail, packages, credit card information and credit cards are getting sent to the wrong address. I reported the issue with my address to the company last year. I was told it would be taken care of, but nothing was done. A few months ago, I filed a claim with XXXX asking them to remove the address from my credit report. According to XXXX, Chase keeps reporting the address as correct, so XXXX will not remove it. I spoke with someone again at Chase this morning XXXX about this issue. He stated he would change the address in the system, but this is the same thing I was told last year and nothing was done. As a result, I don't trust that this issue will get rectified without outside help. With my mail, packages, credit card information and credit cards being sent to the wrong address Chase 's negligence in not correcting my address is putting me at greater risk for fraud, if it hasn't already happened. Additionally, I have filed claims with USPS and I also filed a police report thinking that I was the victim of fraud.
Product: Money transfer, virtual currency, or money service

Hello, I was selling an item on XXXX, one buyer was interested and ask if I could do XXXX I said yea then he asked for my email then I received this email saying that this buyer has sent you {$450.00} for the item, it seems legit so I accepted the offer then 2 hrs later I was told I was not a business account I needed to increase my limit by sending {$300.00} to a provided Cashapp so I did then they said I am officially a business account. An hour later they emailed me saying that there is a certification fee of {$500.00} to start using the business account I was skeptical about it but they were professional and said I would be receiving {$1300.00} once XXXX to a provided email then next day they said my fund would arrived at XXXX. Noon came they told me they have many clients and my fund would be ready at XXXX. XXXX came they told me that the buyer did a double payment of {$800.00} and I need to send it back so I could get {$2900.00} thats when I draw the line I refused and they claimed I am fraudulent and said they would report me. I would like to get all my money back as soon as possible please I tried calling my bank chase but they refused to help me. 
The company that emailed is XXXX, the buyer number is XXXX which is disable I have the email saved if needed
Product: Debt collection

I need to repair my FICO credit score in order to get a home loan. It plummeted XXXX  points because of this issue. I went to the XXXX   at XXXX XXXX Hospital in XXXX, Pa in XX/XX/XXXX and since I was XXXX, they sent me to the XXXX XXXX department first. Then I was sent to the XXXX   where I paid the copay. I received a statement from the XXXX XXXX, but not from the XXXX. Since I never received a statement from the XXXX, I thought I didnt owe anything else. Then I got a bill from a collections agency- Phoenix Financial Service . I called my hospital to inquire about it and they called me back almost 2 weeks later. I ended up messaging them through XXXX online portal because they were taking too long to get back to me. The rep said that I didnt have any collections due. So I thought the matter was resolved. Fast forward to XX/XX/XXXX and Im trying to get a home loan and I cant because my score was damaged because of the collection claim. When I spoke to a billing rep for my hospital, she said that the XXXX  department goes through another agency called XXXX XXXX XXXX XXXX. I received calls from this number several times but I thought it was a scam- trying to get my credit card info to pay my hospital bill even though I had already paid it ( or so i thought ). I called XXXX XXXX XXXX XXXX  and the rep was unkind and just said youll just have to deal with collections. So now Im trying to repair my credit score because the XXXX  department failed to notify me that I would need to pay my Bill, not through XXXX, but through an entirely different company. I have paid the collection agency ( Phoenix financial ) in full. I have no other debt collections. My credit score was XXXX and now it is at XXXX. I worked hard for years to build my credit and it has been ruined by one collection due to a massive miscommunication with billing.
Product: Vehicle loan or lease

We did a loan payoff on a vehicle and Bank of America received the payment on XX/XX/2024 and the payment cleared on XX/XX/2024. We have contacted Bank of America for updates and to release the lien and have not received a response. We emailed them copies of the check clearing and they still have yet to respond. Whenever we reach out to them they only tell us that a supervisor will reach out and no one actually calls back. We have called them over 12 times over the past few weeks with no success.