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

I am submitting this complaint due to unauthorized information listed on my credit report and a violation of my privacy rights. A bankruptcy record has been reported on my credit report without my consent and without valid authorization. This record is listed as a public record, which I believe is not compliant with the standards for accuracy and privacy required. Credit reporting agencies are required to ensure the accuracy and privacy of the information, and is restricted with the dissemination of personal and private information by XXXX  parties- the listing of this bankruptcy on my report appears to violate my privacy rights under the law.
Product: Mortgage

My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries that are unlawfully being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I closed this acct on XX/XX/2022 paid in full Getting bills for card late fees and interest i wrote to XXXX and XXXX and XXXX No results XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX Acct last digits XXXX
Product: Mortgage

To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details. 
Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ). 
Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank. 
Sincerely XXXX
Product: Prepaid card

I received an Amex XXXX, I verified the balance on balance.amexXXXX and it shows a balance of XXXX USD. I attempted to use the card on XXXX but the transaction was declined. Many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST
Product: Vehicle loan or lease

XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX.
Product: Mortgage

This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account continues to violate my rights as a consumer THE DATE OF THE FIRST DELINQUENCY THAT IS ILLEGALLY CHANGED ( MUST REFLECT THE MONTH AND THE YEAR IN WHICH THE FIRST DELINQUENCY OCCURRED ) by law they have to report the XXXX credit agencies 100 % the same and true information, Also by law they can not report this account without my authorization. PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Notice of Dispute Pursuant of the Federal Fair Credit Reporting Act I recently obtained a copy of my consumer 's credit report and dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that it is corrected immediately. The information I am disputing is as follows : Please remove this from my records. It is inaccurate/outdated information. Date opened states XX/XX/2012 more than 7 years old. The act states negative items must be removed from the credit report seven years from the first date of delinquency.
Product: Checking or savings account

On XX/XX/XXXX, two online transactions at XXXX ( {$100.00} for dog food and {$190.00} for body scrub respectively ) were posted to my Charles Schwab Bank checking account. I contacted Schwab Bank to notify them that I had no knowledge of these charges, and that they were not authorized by neither my wife, nor me. 

I issued a provisional credit pending investigation and was told that the charges would be investigated. I was completely secure in my knowledge that the resolution would be in my favor since my last purchase on this site was XX/XX/XXXX. However, I did not realize that my card information had been stored on the site when I made that purchase. 

On XX/XX/XXXX, Charles Schwab Bank withdrew the provisional credit based on information they received from XXXX on the order. XXXX claimed that my XXXX daughter placed the order and that it was delivered to our home address on XX/XX/XXXX. Not only has my daughter never order anything from this site, she is not an authorized user of our cards for this account. Furthermore, there is no evidence, other than XXXX claiming it as so, that these items were delivered to our home. And even if they had been, they were not ordered by anyone in my household. 

My take on this experience is that the victims of this type of fraud have to prove the unprovable -- that this purchase was made under fraudulent circumstances. 

I want Charles Schwab Bank to refund the total amount {$300.00} that rightfully belongs to my wife and me.
Product: Credit card or prepaid card

On XX/XX/2022 facbook advertised a XXXX vacuum cleaner for {$2.00} after filling out a form. After I filled out the form, the merchant, named " XXXX XXXX XXXX' charged me {$54.00}. I immediately messaged them. They did not answered and now has disappeared and can no longer be found on XXXX. 

I disputed the amount with the Apple credit card. The credit card gave me a credit of {$52.00}. For 3 weeks, I have contacted Apple credit card 3 times and said that I never received the XXXX Vaccum cleaner, the merchant is a fraud, that I need to change my account number, and that Apple need to give me the full credit of {$54.00}.

I have a text message from Apple credit card representative saying that they will give me the full credit back but it never happened. I tried again today for the 4th time, and I was on hold for over 1 hr.

Apple credit card AKA Goldman Sachs Bank is failed to comply with the Fair Credit and Billing Act by refusing to give me the full credit since the merchant is a fraud, I did not receive the XXXX Vaccum cleaner, I am not liable to pay the {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX  deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with Experian and XXXX  the two derogatory collection accounts have not been deleted, Experian or XXXX investigation method does not equally reflect XXXX  investigations or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time.

The disputed items must be investigated and negative information must be removed from my credit history.

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not licensed to collect in the State of Texas. They are reporting these XXXX accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX : Account Number : [ XXXX ] XXXX XXXX : Account Number : [ XXXX ] These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete it immediately, and send me an updated copy of my report please. Thank you.
Product: Mortgage

I have the mortgage for my home with Everbank formerly Everhome mortgage. XX/XX/XXXX I noticed that Everhome Mortgage was charging me late fees ; according to them because they had received my payment after the XXXX of the month. I knew that I had mailed my mortgage payments on time. I believe they are receiving my payments on time but wait until the XXXX of each month to cash my check ; trying to justify their so called late fees. When I contacted Everhome about what I suspected, their response was that it must be a delay with the US postal service and that I still have to pay the late fees. They also said that I was mailing it to the wrong address ( the address that is printed on the monthly mortgage payment stub ) and that I should mail it to a different address, attention cash management ( this address appears on the back of my mortgage statement as an " Overnight Mail '' address. I have voice recordings of all communications between myself and Everhome/Everbank. Anytime I spoke to one of their representatives I would ask them to clearly state their name ( they will only state their first name ) and I would ask them to state their employee number. As a result of their fraudulent late fees, in XX/XX/XXXX I began sending my monthly mortgage payments via certified mail. I have all the receipts. To date on my monthly statements they have " Total Fees and Charges '' of {$1400.00}. I have never missed a monthly mortgage payment and more importantly I have never been late with a mortgage payment. 

I also have had a business mortgage with a local bank since XX/XX/XXXX. I have never missed a payment with them and have never had any of this nonsense or extortion. 

In my opinion Everhome Mortgage and Everbank are nothing but con artists and crooks. And I have the evidence to prove it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they have marked me as being late for XXXX consecutive days howevee payments had been made and made on time payments were ahead of schedule
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I originally had a student loan with XXXX  which I began making payments on in XXXX. This loan was then sold to Nelnet in XXXX. Although I have been making payments for the majority of the last 18 years the number of remaining payments has not decreased, nor has the remaining balance. This seems strange to me, and potentially predatory, as I am now realizing that there is no real end date for the completion of my loan, but that they seem to want me to make monthly payments to them indefinitely. 

When I called and asked to speak to their specialist, I was told that that position was internal and that I could not be connected to them. There is no recourse for me to better understand what is happening with my loan or how to resolve it.
Product: Debt collection

I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account.
Product: Debt collection

I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.
Product: Mortgage

my XXXX lender was XXXX XXXX, my XXXX lender was COUNTRY WIDE MORTAGE, & my XXXX lender was BANK OF AMERICA .How did B.O.A. end up with my mortgage legally & eventually foreclosed on my home.I lost my home in the end..
Product: Checking or savings account

bankrupcty was filed on XX/XX/22 and i was told funds coming in after that date would be reverted to the new account. Several deposits made into that old account and has failed to be diverted to the new account, I was told this was going to be done. It will be a month on XX/XX/22 and no money was sent to the new account from that old account, the old account it XXXX this is causing me undue hardship due to Navy Federal failure to comply with the bankruptcy court.
Product: Debt collection

Received copy of letter and motion falsely stated to have been submitted to a civil court with notice of hearing date and time. Contacted court and found that no motion had been submitted to them, but the original case referred in the supposed motion had been filed in a name similar, but different from mine XXXX XXXX, 2006, living at a address in a state I have never been to. Having checked out online Palisades Collections, LLC, the original debt collection company, I found numerous complaints similar to mine which were obviously fraudulent attempts to get people other than the original debtor to pay debts for the sole purpose of protecting their credit ratings and avoiding possible legal action. Please check XXXX
Product: Debt collection

I received a ding on my credit from credit management company for {$1200.00}. I have never received anything in the mail, email, or phone call from this company. They said this was from a hospital bill from XXXX That was 7 years ago. I have never been contacted about this before it hit my credit and do not recall even being in the hospital 7 years ago.
Product: Checking or savings account

I have a been a banking client with Bank of America for the past 18 years. I only have a credit card with them. Its been that way for the past few years. Today, I log onto my online banking and see a checking account that was opened. This account was NEVER authorized by me to be opened. I called into customer service, there was a bit of a wait time, so I had to hang up as I had a meeting I had to be in. After my meeting I called back and spoke with the fraud department. The representative was very kind and she closed the account, said someone must have stolen my identity. I understand hackers and how they can steal your information. Ive gone through all the steps to protect my identity. All of my credit reports are locked down. I use strong passwords. I dont click on any outside links that Im not expecting. Not saying it cant be done, but its harder to get me than some of my peers. 

The representative told me that the account was opened online. That means someone would have to know my user name and password. I was baffled at this. How could someone open a checking account in my name at a bank where I have an existing relationship and that bank not as much send me an email to say you have a new account. The account that was opened happened to be opened using an old address. Still nothing from Bank of America to say hey your address was changed in our system. Im not sure if you keep old addresses on file, but that old address is my Mothers address. Im still baffled by this, now why would someone who was trying to steal my identity and for some odd reason open an account in my name at an institution that I have an existing relationship with use my mothers address. 

So now Im thinking this has to be an inside job. Is there a banker somewhere trying to reach a goal and is opening up accounts fraudulently? It said the account was open on XX/XX/2023. Banks were closed. That was a Sunday. No one logged into my online banking. Below is a screenshot of my logins per online banking. There was no login on using my id and password. There was no type of transactional activity that took place on the account. I hope you sincerely look into this being done by an employee. I know you may say, no way an employee would do this type of thing, but remember the same thing happened to XXXX XXXX years ago.