23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I contacted Bank of America to refinance my home mortgage. The property was awarded to me in a final divorce decree dated XX/XX/XXXX. The bank disallowed the refinance of my home without the inclusion of my ex-husband if the refinance was to go forward. The universal loan application prepared by the bank included that only my name was to be included in the title/deed paperwork. 

During the preparation of the loan paperwork I was contacted a few times with regards to the preparation of the title deed, each time i indicated that I was to remain the only name on the deed. When the loan paperwork was provided for signature, it included both names, transferring interest back to my ex-husband, incorrectly. 

The bank updated the loan paperwork through an amortization to remove my ex from the loan paperwork, how ever, the bank is unwilling to update the error made on the deed. They are unwilling to correct the error that their third party loan paperwork company ( LSI ) prepared by including my ex on the title deed. 

I understand that errors in loan paperwork may be altered with a Mortgage Information Correction, however, this, nor any other options have been provided to me where the bank would correct the clerical and administrative errors that have placed me in this position.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax Subject : Demand for Removal of Fraudulent Credit Inquiry Within 30 Days Dear XXXX  XXXX and Credit Bureau Representatives, I am formally requesting the immediate removal of a fraudulent inquiry from my credit report, which resulted from an incident of identity theft. As the documented victim of this crime, evidenced by my Federal Trade Commission ( FTC ) identity theft report ( Report Number : XXXX ), I am exercising my rights to ensure the protection of my financial identity and credit integrity.
Product: Checking or savings account

My checking account had 2 unauthorized transactions made in XX/XX/XXXX and XX/XX/XXXX at a XXXX merchant that I haven't authorized. The transaction amount was {$160.00} for each totaling {$320.00}. I contacted the Bank ( JP Morgan Chase ) for the same and they have rejected the claim and said to work directly with the merchant.
Product: Debt collection

I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.
Product: Debt collection

I was sent a letter from XXXX XXXX Indicating that I owed them over XXXX from Navient. However I am in good standing with Navient and after checking my account on Navient 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to XXXX XXXX was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.
Product: Student loan

Last XXXX, XXXX, I updated my address with this XXXX  and XXXX  company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, Experian, XXXX and XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Product: Debt collection

I received a letter by mail under my name but wrong spelled from Convergent Outsourcing Inc where it says I old money to XXXX XXXX XXXX XXXX ( a company I have never heard of ) also, the letter said that if I pay within 3 days I will only have to pay 60 % of the debt. I believe this a scam.However, I called them and asked them to know more information about it, and notified them the name was wrong spelled, they asked for my name but I didnt wanted to give them my information as I dont know if this is legit or a scam, so they refused to give information about the case.
Product: Credit reporting or other personal consumer reports

I walked into the dealership at XXXX XXXX Indiana XXXX  months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did XXXX weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Mortgage

This company is located in XXXX  XXXX Missouri. They ran my credit back in XXXX of 2023. I was pre-approval for {$280000.00}. The home that I found was originally at {$230000.00}. So my agent suggested that I go in higher to get ratified. I was ratified for the home. The lender never locked in a rate for me when I asked him several times. The lenders kept saying that they saw XXXX and judgements from medical bills. Which was not true. I had it in collections and its {$1100.00}. He also delayed the closing to XXXX. He and his company personnel kept trying to get other personal information about me and kept calling the Title officer. The lender needed more information about my income and so I gave him the necessary information. Then he tells me that I needed to get appraisal done. He asked for my debit card information. I gave him the card and he charged my card {$610.00}. Dollars. Last Friday on XX/XX/2023. XXXX XXXX delayed to tell me that we can not do this loan and wanted more money for closing. I believe that he never wanted to give a FHA loan. United Fidelity Express XXXX XXXX
Product: Bank account or service

I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had an identity theft issue due to security breach so I froze my credit info with credit reporting agencies. It is now XX/XX/XXXX and I am unable to unfreeze anything with Experian. Based on my own research this is a common issue for people. I am trying to apply for a bank account and can not open the account due to my credit info being frozen. It is impossible to reach anyone ( meaning a live representative ) at Experian, at any number. They never sent me a PIN. There is nothing I can do online. Basically there is no way I can communicate with this company at all to try and resolve this. I am completely stuck.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Just lettin you know Im disputin this account under whatever law called Fair Debt Collection Practices Act. This aint about askin for more proof or docs just want you to know I dont agree. For reachin me best way is text on my cell or email on my cell or computer Monday through Friday between XXXX and XXXX Eastern Time Dont try no live calls or voicemails they aint good for me.ACCOUNT # XXXX plus thoses other accounts you trying sa I owe.
Product: Checking or savings account

I run a business, I opened a business account at JP MORGAN CHASE BANK NA, and I deposited a check for {$4700.00}. They are refusing to release the funds even though the check has cleared and they are stating that i need to bring the person that gave me the check into the branch and for verification. The check cleared there are no disputes or anything! Chase has decided to end the relationship and not give me my money!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2019 CAINE & WEINER COMPANY added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Debt collection

JJ Marshalls & Associates Reported XX/XX/2019 I spoke with Associate XXXX XXXX and provided him with valid police report and affidavit of identity theft to remove account and he still disregarded the claim and did not take my case serious. I also responded within 30 days of the first initial notice asking for evidence and disputing the status and they still put the fraudulent account on my credit report breaking rules of the Fair Debt Credit Collection Act.
Product: Credit card

I received a credit alert that a credit account was requested from GINNYS on XX/XX/XXXX. I called GINNYS on XX/XX/XXXX, and alerted the telephone representative that I did not request a credit account from GINNYS and advised this was identity theft/fraud. The telephone agent claimed the account would be closed as a fraud account. 

On XX/XX/XXXX I received a credit alert that GINNYS flagged the account as delinquent and reported to credit agencies. 

I called GINNYS on XX/XX/XXXX, and advised to the telephone agent of my communication on XX/XX/XXXX. 

The telephone agent claims the identity theft suspect called and reopened the account in XX/XX/XXXX. The suspect submitted a check, and GINNYS reopened the account and shipped an item. The check bounced and the account was reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau placed a fraud alert statement on my permission and I'd like it removed. Please remove the fraud alert statement from my file.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I was able to be informed by the bank that they agreed to update the based on the request to send in the XXXX XXXX XXXX. The agent on the phone they'd update their records once I submitted the letter. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. COMENITYBANK/VICTORIA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my repeated disputes and the submission of all necessary documentation, these fraudulent items remain unresolved. I have enclosed copies of all relevant documents once again for your reference. These items are not mine, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and remove these fraudulent items from my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me remove the following items immediately : 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 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 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: Credit card or prepaid card

I have multiple charges from XXXX XXXX XXXX and XXXX XXXX for game charges on my cell phone that total {$180.00} from XX/XX/2019 through XX/XX/2019 that are fraudulent charges and a {$26.00} charge for XXXX that was a fake website that I reported to the FTC and the police department because I ordered two items from that website and never got it and learned it was a fake website. 
I notified American Express Serve of the charges beginning in XX/XX/2019 and multiple times thereafter. When I first contacted Serve about the XXXX charges she immediately wanted to cancel my card and i refused because my government social security payment was due to be deposited via direct deposit in two days and I have financial obligations. I was told that if I didn't agree then the charges would stay and I had no choice. I again reported additional charges in XXXX and XXXX in XXXX and made a complaint and Serve failed to initiate an investigation. I called again in XXXX and was told that they would not reimburse me or do anything about any of the charges further back than 60 days and of course the bulk of the charges were the first two times I contacted Serve about it. On XX/XX/2019 Serve cancelled my card and took the complaint and I heard nothing for a month so I called them back and asked what the problem was. I was told that I did not sign the fraud form declaration and that is because i never received it so they had closed out my complaint. I was upset and they said they would start a new one and I said no. They emailed me another link to the fraud form and I filled it out and could not upload it to their site. I contacted them again, now keep in mind every time I call these people it takes an hour to get through it. It's ridiculous and none of them are American and hard to understand and you have to repeat yourself and your information to everyone you talk to repeatedly its annoying as XXXX and very irritating and time consuming. I wasn't able to upload the documents so I called them back and they put me through the whole nine yards just to speak with the fraud department to tell them I couldn't upload the documents and needed an email address. Every one of them told me they don't have email. Really? Then how the XXXX did they email me the fraud form link in the first place about 25 times? They gave me a fax number and I don't have a fax machine so I had to go find one and I faxed it not once but three different times because they kept saying they didn't get it. 
Then I got sick with XXXX and went to the hospital for three days. As soon as I changed my card and got a new one all the fraud charges stopped. Serve acknowledges that and yet they denied my claim for the charges that are fraudulent which is absolutely ridiculous and they still are saying because they didn't get the fraud form. No email give me a break.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite this attempts to have these inaccuracies corrected, these fraudulent items continue to appear on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they persist on my credit report. This situation has caused me considerable stress, inconvenience, and potential financial harm. Hence, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 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