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

I personally reached out via certified mail to several debt collectors regarding accounts allegedly owned by me. To request verified information that would show proof of ownership of these account. I have been a victim of identity fraud in the past and have also found my personal information on several dark web sites, which has led me to believe these accounts were created in error under my information. Some of the accounts in question date all the way back as far as 2018. I have listed all questionable accounts below. 

First progress : Extra : Lvnv funding source llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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, credit repair services, or other personal consumer reports

XXXX of XXXX, XXXX of XXXX, and XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Transunion demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.
Product: Mortgage

In Fall 2019, I was unable to make my mortgage payment for my home at XXXX XXXX in XXXXXXXX XXXX The cost of the insurance, in a flood zone kept increasing and my monthly income is from Social Security and a pension was about {$1200.00}. The monthly payment increased to about {$850.00}, including insurance and taxes. 

I began receiving phone calls and letters from Wells Fargo telling me that I was going to lose my house and ruin my credit unless I paid up my mortgage. Then I started getting phone calls and people stopping by my house asking if I was ready to sell it. They even asked my brothers next door if my house was for sale. When asked how the real estate people found out about my home, they said it was on the Wells Fargo site. 

A person, XXXX, from XXXX XXXX XXXX XXXX, offered me {$11000.00} cash if I would sell them my house. They would pay off my back payments of six months and any outstanding bills ( XXXX ). My neighbor, XXXX XXXX, met with XXXX and a notary public, twice to close on the house. He had only {$3000.00} cash with him. He said that XXXX, the builder, who was going to " flip '' it would pay the rest after the house was fixed up and sold. I have never received any additional money. XXXX XXXX called, and XXXX and XXXX kept telling him I was going to get paid. I did not receive any further payment for my home. The Notary Public witnessed these events. 

In now live in an RV on XXXX XXXX in XXXX, XXXX. I have no heat, air conditioning, and no hot water. I feel that I was lied to by not only Wells Fargo, but also XXXX XXXX XXXX XXXX. If anyone could help me, I would really appreciate it. 

I paid mortgage payments for 20 years, including taxes and flood insurance. My home sold for {$58000.00}. Wells Fargo told me that I did the right thing to sell it. I talked to Customer Service personally. Now, I am sharing my story with you. 

My neighbor and friend, XXXX XXXX, has created this account for me and is using her email address to stay in contact with you. She was also a witness to my closing with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I disputed an item on my credit report for a judgement for XXXX XXXX company. I provided Equifax with a copy of the judgement letter that had another person 's name and a different total amount.The person on record was a XXXX XXXX and the amount was {$1200.00}. Dispute having an incorrect name and amount, Equifax still reported that the item belonged to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX, and have confirmed that the reported information is incorrect. Below, I detail the inaccurate information : Account : XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Type of Inaccuracy : XXXX late payment Date Reported : XX/XX/2024 Account : XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Type of Inaccuracy : XXXX late payment in XXXX and XXXX Date Reported : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate and verifiable information included in my credit report. Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies must investigate any disputed information within 30 days. This information reported by XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this dispute and remove the incorrectly reported late payments from my credit report.
Product: Credit reporting

This is the XXXX time this credit bureau has deth. report under my name and not belong to me. At some point someone is not doing their job properly. XXXX this credit bureau do not have someone available to talk to. there is a bill for {$1.00} listed under my credit report and not belong to me. no one is available to talk with customer at this credit bureau. They provide a number where they ca n't be reached.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of my name as an authorized user on an account and to request that this account be deleted from my credit reports with XXXX, XXXX, and XXXX. 

I have not signed a card member agreement with Capital One, and I am not legally responsible for this card or its balances. I have recently reviewed my credit reports and noticed that this account is being reported under my credit profile and the information is all adverse to me. This account is impacting me negatively and is not mine. I have no legal obligation or agreement concerning this account. This account belongs to my soon to be ex husband XXXX XXXX. I am not a joint account holder and never gave Capital One permission to report this account information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are having problems with the calculation of the checks we received {$200.00} for the following loans # XXXX Property address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Check number # XXXX dated XX/XX/year> Property 2 : loan number # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Check number # XXXX dated XX/XX/year> We never got an explanation of how they came up with these amounts for two different mortgages. Wells Fargo has been pressuring us to cash these checks. We still feel that we are being discriminated against and can not get Wells Fargo explain how the balance of the mortgages have not been paid down over the years that they have been servicing our loans. I am attaching copies of the letters and the checks. We have asked numerous times to see the complete loan package for each file. XXXX XXXX and I cant get a straight answer from anyone. They continue to close the complaint without any resolution with us. 
This has been going on for years.
Product: Mortgage

On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Chase on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX )  in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX  produced validation demands to Chase to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian in regards to my certified letter submittal to suppress fraudulent accounts on my account as stated in subsection 605B in the Fair Reporting Credit Act. I contacted then XXXX and again at XXXX which lasted for 40 minutes, XXXX, supervisor in the dispute department hung up on me when I asked him to restate his name to be sure. USPS site states that Experian XXXX XXXX XXXX received my letter on XX/XX/XXXX at XXXX XXXX. In my quest to see that what the status was, I was informed that my letter was never received, I tried uploading it as well, to ensure that the lie " we never got it '' would work, the upload would not work for neither police reports os FTC Identity Theft report together to separately and the were under the 15mb size requested and all were PDF files. I requested to be sent to the fraud department which is what's stated on their site with these issues to be advised they opened a dispute according to section 611 as if I was disputing information that the creditor reported was erroneous in history but valid in ownership, which is FALSE. I provided the agent my FTC report number as well, on the second cal I requested to speak with a supervisor in the Freeze department as researching online the XXXX XXXX XXXX could possibly belong to that department, thats when I was transferred to XXXX and hung up on after I requested his name again and was not called back. My rights are being violated by Experian and has been since XXXX, as I have filed letters requesting physical documentation they received validating the debts and never received them according to section 609 of the fair credit reporting act as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mortgage account with XXXX XXXX ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked XXXX bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that XXXX bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans with NAVIENT and DEPT OF ED/XXXX on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both NAVIENT and DEPT OF ED/XXXX  have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, XXXX, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
Product: Debt collection

After numerous attempts to get this fraudulent account removed from my credit report, World Finance refuse to remove this fraudulent account. I want to dispute this fraudulent account under the fair credit reporting act.
Product: Student loan

I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.
Product: Mortgage

On XX/XX/XXXX I received a notification from CMG that my homeowners insurance premium was about to expire and they did not have a renewal. I immediately updated the copy of the renewal I had on file. 

I contacted my insurance agent to inquire why my renewal had not gone out. They indicated it went out to CMG Mortgage on XX/XX/XXXX. 

CMGs policy is to pay 21 days prior to cancellation which is XX/XX/2024. I asked CMG on three different occasions on their online portal why the insurance was just paid on XX/XX/XXXX and not in accordance with their policy and I have been unable to get a straight answer. 

The concern I have is payment has not been received by the insurance company and in California it is difficult to get hazard insurance so my fear is the policy will cancel if the payment is not received in time. This could be costly to me if the policy cancels. Why should I have to pay if the funds are in my account? 

The additional concern I have is the mismanagement of my account. This happened last year and I had to find email addresses to executives at CMG to get the matter addressed and payment expedited. I am here again with the same situation a year later. 

The loan number is XXXX
Product: Checking or savings account

To Whom It May Concern, My Name is XXXX XXXX, and I've been a Chase account holder for nine years. Being XXXX, a father of one-year-old, a graduating senior, and a contributor to society ; life has not been easy. The past year, I've struggled after leaving a job due to a hostile work environment ( which is illegal since its constructive termination ), struggling to make ends meet XXXX   XXXX while managing said position as well as attempting to balance 18 credits a semester. Thinking that my bank would be able to help me out, I contacted Chase numerous times whenever I had a crisis in hopes that they would be able to give me a break. Unfortunately, writing a complaint on the CFPB is the only way for someone to reach out to me offering help even though their solution is always something that doesn't alleviate the situation. I recently learned that Chase Bank charged me over {$3000.00} in NSF, ATM, and SP fees From XXXX. Much of these fees are indeed due to hardships ; however, I was never aware of some of these until they showed up on my account. Big banks in America made over XXXX XXXX in these fees last year ; Chase can't forgive XXXX of it? Being honest, I am strongly considering terminating my business with chase. Since opening an account with XXXX XXXX, I've started to see a difference in regards to which banks value my business as well as works with me more. With XXXX XXXX, I never had to complain to the CFPB whenever I had an issue that I didn't sit well with ; unlike Chase, they take care of it in house, no questions asked. Chase has an opportunity to repair this relationship if Chase were to reconsider their consumer-unfriendly policies for my situation and decides to refund me most, if not all, of the money I've had to endure paying because of their ridiculous fees. Chase is only making the poor poorer with their ridiculous fees, and I don't see how they expect to profit when individuals can simply not pay the overdraft fees and let their account close and go into collections. One thing I've learned with collections is that the creditor usually fails to make a profit back from the debtor since the account is being sold for much less than the debt owed. All I am asking for is the money I paid back. I work hard ; I go to school while raising a child, and I dealt with financial situations out of my control. With everything that's going on with the pandemic and individuals such as myself not being able to maintain a stable income because of it, It's only fair chase uses my situation as a precedent of a bank that's giving back to those that supports them. Below are the financial hardships I experienced since XX/XX/19 - Attending XXXX  Full Time ( XXXX XXXX Present ) -Leaving a full-time job due to a hostile work environment ; constructively terminated from that job ( XXXX XXXX - XXXX XXXX ; I ALSO SENT DOCUMENTATION TO CHASE PROVING THIS ) - No Business as a XXXX XXXX  since Coronavirus restrictions ( XXXX Present ) If Chase fails to refund me a majority of the fees charged, I will close my Bank Account this Upcoming XXXX and refuse to do business with Chase moving forward.
Product: Vehicle loan or lease

Hi I saw a lawsuit was settled with Wells Fargo. I submitted a claim back in 2016 about my last car payment. I had not missed a car payment in 59 months and because I missed one payment which happened to be my last they reported it. I was in the middle of buying a new house and because they reported it, it hurt my credit score which in turn raised my house payments. I tried to reach anyone at Wells Fargo and at the time my mom worked there and gave me email addresses and phone numbers to call. I called, emailed, and sent faxes to try and expunge this because it truly affected my life. It came to no avail, nobody helped me and because my credit score dipping it added an extra XXXX dollars every month on my mortgage because I missed my last car payment by one day. Everyone I contacted, emailed, or sent letters too we're completely cold and I'm glad this happened.
Product: Checking or savings account

I have been trying to transfer/close my account with M & T bank for a week and they keep declining my transfers. I messaged them and they wouldn't provide any details. I tried to call but the person I talked to was no help and gave very vague answers. I want to transfer my money and close my account with them. Too many hoops to jump through with this bank.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX account # XXXX, XXXX account # XXXX according to I 15 USC 1692c you have violated my rights by unlawful communications please removed these closed accounts off my Consumer credit report thank you These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}