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

I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX  and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were XXXX but the other XXXX XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Product: Checking or savings account

I closed my account in early XXXX, I didnt know at the time how much I owed. I gave them more money than I expected and Wells Fargo never gave me my money. I called them numerous times about the money. Wells Fargo never refunded my balance owed.
Product: Credit reporting or other personal consumer reports

I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/year> ) {$3400.00}
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 XXXXXXXX Account Name : DPT EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$1000.00} Account Name : 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 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: Mortgage

On XXXX XXXX, I applied for a mortgage with Citizens Bank and provided them with all required information. I was promised an APR of XXXX, but three days prior to closing, while reviewing the revised disclosures, I noticed that the rate had increased to XXXX. I inquired and was told that because of a short sale on my history and due to it being a jumbo loan, that I my application was being approved as an " exception '' and that the rate was increasing as a result. 

They had all of the information about the size of the loan and the short sale at the beginning of the application process, so it seems terribly unscrupulous to change the rate so late in the process. Clearly a homeowner has no recourse 3 days prior to closing and Citizens Bank is taking advantage of this situation.
Product: Checking or savings account

I have been with Chase since I was XXXX XXXX XXXX and never had an issue with them at all until they closed my account, I haven't done anything fraudulent and this is how they treat their loyal clients : XX/XX/23 : I was notified by Chase that " to protect against potential fraud, we restricted your account and may close it soon on XX/XX/23. 

XX/XX/23 : They closed my account on XX/XX/23. I Went to the branch the same day and the banker told me that the account will be closed and I am not allowed to bank with Chase for the next 7 years. The remainder of the funds should be sent out via check to me 7-10 business days. 
have roughly XXXX XXXX XXXX XXXX left in there which ruined my routine with paying bills and other items. 

XX/XX/23 : Called into the phone number they provided to check on the status of my check. they said its still under suspension. It can take up to 6 months which is ridiculous to hear. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX : Called in to check on the status, still says its currently under investigation, I escalated to the manager and filed a complaint they said there is nothing they can do but to leave notes on the account that I called in. No time frame at all. 

XX/XX/23 : Its been way past the 6 month period and they said that the funds are still currently on hold and there is no end date to when the investigation will be over. I told them I can provide all my paystubs and all the proof they need. My funds are all from paychecks and my roommates to pay rent but that is basically it. It has been 8 months and have no resolution to this matter.
Product: Credit reporting or other personal consumer reports

I have various account on my credit report that are inaccurate and/or unknown that I have disputed numerous of times for them to pop back up on my credit report. None of the companies can provide me a description for any of what has been reported that is inaccurate, i did not consent to. 
Id like for this matter to be taken care of in a proper and professional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for Santander CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through Santander but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to Santander because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and Santander as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my XXXX   credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
Product: Credit card

I have a Capital One Credit Card and when I make a payment I notice that the money is taken from my checking account immediately. I made this payment on the on XXXX/XXXX/2015 and my checking account was debited for {$400.00} on XXXX/XXXX/2015. I contected my bank and they stated the funds were paid on the XXXX/XXXX/2015. I checked my credit card account on XXXX/XXXX/2015 and Capital One still has not credited my account even tough they wree paid three days ago. This is the XXXX time this have happened to me after I made a payment and payment was paid by my bank. I feel if they take a customer mone from their account knowing that its clear and hold it I should be paid. I contacted the credit card company via chat and they refused to release the hold stating it will be released on XXXX/XXXX/2015 even though they know the money is cleared. I think is is illegal for a company to hold an individuals money even though they have been paid and the funds cleared.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed inaccurate information despite my efforts.
Product: Mortgage

Bank of America has continually made knowingly false representations on a mortgage or Deed of Trust to me, to the public at large in general, and to bona fide purchases ( DFPs ) in specific. 

Bank of America 's representations to me made through their legal counsel on XX/XX/XXXX, indicates an awareness this account has been modified under a Making Home Affordable ( MHA ) program XX/XX/XXXX, specifically the Home Affordable Modification Program ( HAMP ) and was amended XX/XX/XXXX to include a principal forgiveness amount. This amount has been represented to me as a new and separate HAMP modification and has not been included in the stated principal balance due at the time of loan transfer or sale on XX/XX/XXXX. 

According to MHA HAMP guidelines, all amounts forgiven are to be paid back if the property is sold. Bank of America and their representatives may not claim ignorance to HAMP guidelines as they are required by law to be knowledgeable of all the rules of all the modification programs offered by Bank of America. When Bank of America fails to return MHA funds upon sale they are guilty of Welfare Fraud, fraud on a mortgage or Deed of Trust, and real estate fraud. 

Just to be clear, I have had only one MHA HAMP modification finalized, as amended. However, I have been approved for MHA HAMP three times over. 

All previously mentioned resolutions are desired and mandatory.
Product: Checking or savings account

On XX/XX/2024, Robinhood notified me that my accounts were " under review due to unusual activity '' but did not provide any additional information. Robinhood says " no action needed '' at this time but has frozen my trading accounts, not allowing me to open new positions or transfer funds, with funds available.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXX  I received an adverse claim/ letter of denial from SouthState Bank denying me an extension of my credit for {$100000.00} which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. 

I then proceeded and mailed a Notice of Federal Violations to the CFO. 
Application Loan Number # XXXX See attached
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXXXXXX XXXX - XXXX Last XXXX digit of XXXX : XXXX
Product: Credit card

On XX/XX/2023 I made a {$41.00} payments for the XX/XX/XXXX due date with Total Visa. They requested I send proof of cleared payment. I have sent numerous documents including a letter from my bank confirming the payments cleared. They keep saying that its not suitable. They have requested a statement but thats not available until the first of the month. They have add a late fee to my account as well while Im trying to resolve this matter.
Product: Checking or savings account

I was staying in an extended stay hotel in XXXX XXXX  called the XXXX XXXX  On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX, XX/XX/XXXX for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and Trans Union and XXXX have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX  XXXX XXXX   XXXX Finance/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 TransUnion AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX Finance/Personal XX/XX/2019 TransUnion XXXX OF XXXX XXXX XX/XX/2019 TransUnion
Product: Debt collection

I received the attached scam email regarding a payday loan that I never took out.
Product: Credit reporting or other personal consumer reports

I need to remove these inquiry that i do not recognize in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, specifically XXXX XXXX, did an unauthorized hard inquiry on my credit. I have cut ties to the lender because they did the exact same thing about a year ago. This seems to be their standard practice.
Product: Debt collection

Synerprise Consulting is reporting a debt and I do not owe nor was I given the opportunity to dispute. They did not send to my address and the address they are reporting is not a residence and was placed on my credit report by them. They have produced no documentation to verify how they obtained this erroneous debt in my name, they dont even have my correct name!
Product: Vehicle loan or lease

I saw that my personal information was used to open a car loan at CarMax. And this account is over charged. This is not my account. I did not open this account or authorize this account. I do not have car loan with carmax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current auto loan with consumer portfolio services. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and CPS offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute CPS would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing this information in XXXX regarding these two companies discover and XXXX XXXX. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.
Product: Money transfer, virtual currency, or money service

I made a purchase from a fraudulent company, XXXX, using paypal. I opened a dispute with PayPal and XXXX provided a fake tracking number ( for a XXXX XXXX order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. XXXX also claims payment is for " tuition and fees '' not products listed on their website and uses a personal XXXX address for their paypal account. 

PayPal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. Other hurt victims here XXXX XXXX   XXXX Notes and attachments included. I called XXXX and they confirmed the address is not same and sender is XXXX XXXX, not XXXX. I was not authorized to get any other information but said PayPal was authorized if they called, which they have not.
Product: Mortgage

I am XXXX. Due to a rehabilitation of my home because of my XXXX, I had to move out of my residence while XXXX XXXX hired contractors rehab my home. During this time I had to not only pay the mortgage and utilities at my home and pay rent somewhere else. This caused a great financial burden on me because I couldnt afford it. I fell behind on the mortgage. 

Since then, I have been asking to have my loan reinstated and put the past unpaid payments on the back of my loan. I have had a mediation with Bank of Americas Attorney. I have submitted the documents they are asking only to find out that Bank of America was not reviewing the documents. And after I kept calling Bank of America, I was told by Customer Relations that an underwriter kept denying my loan stating that my income could not be verified. They are not telling the truth because Im on XXXX and they have a copy of my awards letter. I was also told that the underwriter stopped reviewing my loan because he/she they questioned my XX/XX/XXXX taxes. Im having concerns about that because I have never been audited by IRS and the underwriter has never asked for an explanation. It is my understanding that the paperwork sat on the underwriters desk for a long period of time ( at least a year ). 

Please help because I dont have any where to go. The price of rent is way higher than I could afford. 

Im asking for my loan and loan modification to be reinstated so that I can stay in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX 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.