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

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020 )
Product: Mortgage

Due to unfortunate events in the begining of the year XXXX, losing my job as a chef because of XXXX, multiple family XXXX  from XXXX, our beloved dog XXXX, we filed for Bankruptcy. Not to mention identity theft and being robbed in our home. Not a great year. So heres how things went down with our lenders Since we were under COVID forbearance before we filed which according to XXXX was XX/XX/XXXX, somewhere my payments for XXXX and XXXX didnt get recorded correctly, although still in forbearance, we filed XXXX XX/XX/XXXX, XXXX  kept informing us they sent the reaffirmation paperwork to our lawyer but we never received them, finally we were told by XXXX  they sold our loan to Arvest XXXX XXXX of XXXX, the turnaround time for the process of a reaffirmation is 3-6 months since everything has to be ink signed, and can only be transferred through physical mail in which all parties must sign including the XXXX XXXX. So we lost every single on-time credible payment, in which we have never been late on our mortgage in the 12 years from then prior. So Arvest acquired our loan in XXXX of XXXX, and it would be for another month or so before our account would be fully transferred to them. Obviously they cant change any terms on our loan and we were still under XXXX forbearance. They gave us no chance to restructure or reaffirm our loan since we were to be discharged on XXXX XXXX XXXX. Arvest kept us on forbearance but took it over from XX/XX/XXXX through XX/XX/XXXX. XXXX did not apply my payment for XXXX payment. And I dont know what happened to the money that was in escrow but XXXX transferred our loan with - {$400.00} in our escrow account. So As of now, we are deferred from XXXX of XXXX to XX/XX/XXXX. Principle and interest. However, XXXX also included escrow, which I still havent investigated yet, into our deferment, but also put us on a 5 year loan in the amount of {$4000.00} to apparently pay back from the forbearance for escrow. Yes, even though they charged us in the deferment for those months. Ive been battling both of these lenders in terms of where the money went. Even though I have proof of payments not only from the lender themselves, but from my bank statements. Since those werent suffice, Im now having to get the actual transaction number from the bank to see where the money was actually wired. 

We were able to refinance into an fha loan with united wholesale mortgage. The lump some we had to pay off is absurd. And most likely fraudulent.we are literal paying for way more then what was agreed on. My account must be looked at thoroughly and calculated correctly. These lenders have made money of our hardship. Its disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX and 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these 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 or other personal consumer reports

Everytime I try to open a bank account I cant. Because my name needs to be removed from check system account. My step daughter had an account under my name and owed XXXX she paid the XXXX and they still have my name in the banks system that wont allow me to move forward with other banks.. please remove my name
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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: Debt collection

So Hi my name is XXXX XXXX and Metro Collections SVC XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX just reported this XX/XX/XXXX XXXX was way back in XXXX XXXXThe landlord and I had gotten into it and she callled the cops on me and there was a report made and the cops knew they were wasting their time talking to me about what she reported.So she kicked us out because she didnt like us and I didnt have money or know what to do so we just just let her kick us out to avoid further problems.And now shes put it on collections and is ruining my credit after she illegally kicked us out because she didnt like us.Im unsure of where to go about this but its messing up my credit and collections and its completely wrong and disrespectful after she illegally kicked us out that shes doing this to us.Im at a loss and dont know what to do PLEASE HELP ME!!!
Product: Credit card or prepaid card

I have a XXXX XXXX credit card issued by Bank of America ; I was approved for a {$7500.00} credit limit ; the card I was activated ; then I tried to make my first purchase for {$150.00} and the transaction was declined ; when I called I was transferred to Bank of America fraud department ; I was told I had to go to a bank branch and present 2 pieces of id ; I had to wait 45 minutes on the phone to speak with someone ; that happened XX/XX/2023; on XX/XX/XXXX I went to my nearest bank of america branch and presented my ids ; I spoke with the representative from the fraud department and card was active ; a week later the card was suspended again; finally after 35 minutes I spoke with an associate named XXXX from Texas ; she id me and said she was trying to get my latest transaction approved! it was {$60.00} to the XXXX XXXX XXXX. I asked that everytime I used the card I have to do this? she said YES! I have not ever heard of a situation of this nature before! we were discinnebted ; XXXX said since she had my mobile phone number she would call me back ; she never did! the liar! I had to call back and wait an additional 35 minutes! No resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXXAs you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Tab/Sunbit Tab/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name Tab/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Product: Mortgage

I understand that the CFPB is limited to what they can do about the Banks engaging in violations of CFR regulating the banking industry and knowingly participating in the violation of the provisions of Chapter 63 " Bank and wire fraud, Chapter 77 '' abuse of the law and legal process '', Chapter 95 and 96 " money laundering and violating the RICO Act '', all of the United States Criminal Codes against the citizens because we are XXXX people. 

Wells Fargo and I suppose to be in Mediation. I have tried to get the signature pages that purport that I sold XXXX XXXX XXXX, XXXX from Wells Fargo. I have also complained that Wells Fargo opened many accounts in my name misusing my signature, basically you open a checking account, so you think, and that turn into 3 or 4 open accounts. with the multiple accounts opened that you are not clear of, they can move your money around causing that {$35.00} NFS charge. I once deposited {$100.00} in my account. The same day I purchased a loaf of bread. That loaf of bread cost me about {$38.00}. It was {$3.00} for the brad and {$35.00} to Wells Fargo as they put the money in one of the accounts that you did not know about or was not clear of. This was done with the very same debit card that I used to deposit the {$100.00}. 

Wells Fargo has sent me over 200 pages related to the bank accounts opened in my name but they still refuse to send me the signature pages that purport that I sold XXXX XXXX XXXX in XXXX. I did not sale that house, it was conveyed with a fraudulent deed or an artifice as detailed in 18 USC 1021 and Chapter 63 of the US Codes. Wells Fargo Know and or knew this and facilitated the criminal acts to receive a blind eye form NC as Wells Fargo in short help the NC Court Officer 's steal equity out of the property belonging to the XXXX community violating 18 USC 241-241 with the promise of impunity.

I have had many conversations about the unwanted accounts but none about the sale of XXXX XXXX XXXX To be clear, I have talked hours about the unwanted accounts with Wells Fargo and about 5 minutes about the theft of my home. I have received about 200 documents about the unwanted accounts and 0 pages on the theft of my home. 

Wells frgo seem to want to address the small issue where I lost maybe {$500.00} at most but refuse to engage in mediation where I lost {$380000.00} ( the value of XXXX XXXX XXXX ) I plan on filing a Complaint with the US District Court, the XXXX XXXX XXXX NC if we can not resolve this. Wells Fargo can just give me back the {$380000.00} pursuant to 18 USC 1964 ( c ), three fold.

Wells Fargo is playing mind games causing and perpetuating psychological, financial and emotional injury.
Product: Credit card or prepaid card

My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX   balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to it.
Product: Checking or savings account

In 2015 Well Fargo froze my funds in my account because a {$2200.00} check was deposited into my account. The freeze on my account prevented me from withdrawing my funds for bills that I had to pay. I was late on my rent which was {$1000.00}, my car notes one was {$430.00} and the other was {$530.00} and my light bill {$200.00} due to this issue. When I called to inquire about this matter, I was told that the check that was deposited seemed fraudulent. In addition, they could not release any of my personal funds outside of the check that was deposited. The funds were released XXXX to XXXX weeks later and the account was automatically closed by Wells Fargo with no explanation. 

The funds were finally released almost 21 days later but that didn't stop the charges that I had to pay for being late and to the stress that it caused me.
Product: Mortgage

I took out a mortgage in XX/XX/XXXX. I took out a loan from Lakeview ( subserviced by XXXX  ). I have downloaded the app for my phone and also attempted to pay online. I have not been able to submit a payment online on the website or the smart phone application. I have had to call in each month to make my payment. 

I am able to log on via the website. It shows my loan details but whenever I attempt to make a payment, I get an error and it doesn't allow me to set up payments. So this leaves me with my two least favorite payment options. Call in or mail in a payment. This would be the expected methods of payments if it was XXXX and not XXXX. I should have the ability to make payments in any method I choose. 

I understand that technology sometimes has issues. There is no reason in my mind as to why I have to mail a paper check or call in to make a payment. This company needs to fix their application and website to allow customers flexibility in making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XX/XX/2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.
Product: Credit card

I applied for a credit card ID XXXX for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since XX/XX/XXXX/XX/XX/XXXX. Being that I am working on my credit, I was turned down from Capital One. I make {$30000.00} for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into XXXX account with XXXX. I do not know if the person from Capital One can see the consolidation. My score is XXXX from XXXX, when I try to call back I am being offered to apply again instead of looking into the first application.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got a notification from a company called Remitly stating that he signed up for an account which I had not. Minutes later I got notified from my XXXX debit card that {$300.00} had been transferred out of my account while I was on the phone trying to get them to figure out what was going on two more transactions were taken out one for {$300.00} and another one for {$200.00} for a total of {$800.00}. they told me all I could do was contact my XXXX debit card and denied the transactions since then I have contacted them numerous times trying to sort this out. They take no responsibility for what has happened. they have admitted to me. The three separate accounts were set up under false names and false information.
Product: Checking or savings account

This is as far as what happened XXXX XXXX XXXX XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you
Product: Debt collection

XXXX XXXX added a collection in XX/XX/2017. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service in my name.
Product: Money transfer, virtual currency, or money service

My PayPal account is XXXX and I can not withdraw my money to my bank account for over a month now. There was a dispute about the money I received and the case was won in my favor. I was notified that any hold on this money was removed and I would be able to withdraw them but still nothing! I only get templates from PayPal how their system is caring about everyone and I should wait for some more time etc!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CITICARDS CBNA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 card

This credit card is showing on my credit and I have no knowledge of this nor have I ever had a credit card from this company. My ex opened a bunch of loans and credit cards in my name years ago and I am still trying to fight all of these. Please remove this from my credit report as this is not mine!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692c ( c ) 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 has violated my rights. 

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must Cease all communication.
Product: Credit card or prepaid card

I reached out to BOA on or around XX/XX/2020, and requested assistance due to Covid-19, related illness and requested : deferrment of payment, reduced monthly payment, waiving of any late fees durig the foreberance period. According to BOA an deferrment of payment was granted. Although I still made payment during this period BOA marked and reported the account past due to credit bureaus without explanation and consideration although a deferrment of payment was granted payment were still made during this period. BOA refused to correct the past due information with the credit bureaus. BOA is XXXX profiling consumers and intentionally lower credit scores of XXXX XXXX  credit card holders which is blantant XXXX.