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

About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her XXXX Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that XXXX XXXX is damaging my credit report because Equifax and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called XXXX to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their XXXX XXXX. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, XXXX should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
Product: Debt collection

Approximate 7 years ago, I did a Cash For Keys deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXX-that I must pay off for them to release the judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I refinanced my home and the new servicer ( Amerihome ) has failed to pay insurance via escrow as it is supposed to. I'm going to be dealing with a cancellation in a few days if they don't take care of the problem, but their customer service is functionally unreachable ( it disconnects me after I called and spent half an hour on hold ). 

I don't believe I have any right to change servicers, but these guys are wildly incompetent/failing to provide essential customer service.
Product: Credit card

I received a letter dated XXXX/XXXX/2015 from Chase Executive office stating that they are investigating my concerns. Well that in fact is a real way of insulting me. I received XXXX a call from XXXX Chase who left a message for me to call ASAP the first chance I had was today and the person I spoke to stated that they had conducted their research and felt that they would not be changing their minds and there desici0n stands the same. 

This to me is a way of harassing me and degrading me because I had paid this balance off without any delays and paid them finance fees and suffered greatly from the situation which concerned lodging at XXXX that was infested with bed bugs. They contacted me with the last letter I uploaded regarding the credit they had not made to my account for the amount that was disputed. This is by far a way to harass me and treat me like a liar. I went through an extensive period of cross examination and had to show them a lot of proof to file a claim and they treated me like the bottom of the barrel credit card scum they are This is from Case number : XXXX
Product: Credit card or prepaid card

Received an email fon XX/XX/2022 rom Best Buy stating " As requested '' we are sending you a new credit card. SInce I never requested a new card I was concerned and had to contact customer service to verify that there was not fraudulent activity on this account. The customer service person confirmed that they were in fact sending on a new card. ( still not sure why? ) Regardless that whole interaction was a waste of time since if they had disclosed this in the email that a new card was being sent ( and a reason? ) I wouldn't have been concerned and called customer service. Clearly in this day and age even the suggestion of irreguar activity on a credit card is a red flag and should never have happened.
Product: Checking or savings account

I Spoke with pnc chat on tuesday XX/XX/XXXX And was told my checking Account could not be closed because of a Outstanding balance i was told to contact the collections department. and i spoke to XXXX  from the collections department And she had stated that What was said in the chat is incorrect that the account Can not be closed because of Ongoing disputes on the account and the Overdraft im on ssi XXXX and already switched banks and do not have the money to cover this i would like the account to be closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is violating my right. See attached.
Product: Mortgage

My mortgage company is refusing to update my credit file as it has not been updated since XXXX  of this year. I have called on 6 seperate times over the last two months as I am trying to buy a car and I have brought my account current. I was told repeatedly that they refuse to honor my request and they have updated it. When I point out to them that that the last update was XXXX they refuse to pass me to anyone else because no one will tell you anything different.
Product: Debt collection

Again, this is my 26th attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. 
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in Washington State by XX/XX/XXXX, when they filed a civil action against myself? 

XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in Washington State.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to credit bureaus that I was 90 days XXXX, however, they also reported XX/XX/2023 and XX/XX/2023 in good standing. This has affected my credit score significantly, I have 5 accounts totaling XXXX
Product: Credit reporting or other personal consumer reports

I'm submittng this complaint once more to ensure that the data reported on my credit file is completely accurate. I believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation and correction for this account : Equifax : XXXX XXXX XXXX Balance : {$7700.00} XXXX : XXXX XXXX XXXX Balance : {$0.00}. Again, there are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Equifax to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports. I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately. This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Equifax credit report. In the process of looking through my Equifax credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Inquires : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Equifax credit report due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Equifax credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified XXXX XXXX compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.
Product: Mortgage

This company is scamming us to charge late fees. My husband recently had our loan assigned to United Wholesale Mortgage. Our previous 2 servicers ( XXXX XXXX and XXXX XXXX ) had no issues apply our payment over 2 payments. We have always sent half the amount 2 weeks before the due date, and the remainder a few days before the due date. This is how we have been able to budget our finances for years. We were surprised to receive a letter dated XX/XX/2020 with a check enclosed for the payment we sent in mid XXXX for our XXXX payment. It was like a slap in the face to see that they also charged us a late fee. We are in a pandemic, many people are struggling to pay their bills yet we strive to pay ahead of time and the company can't figure out how to properly process our payments. We called the customer service line and received no help whatsoever. They were useless. We spoke to " XXXX '' and " XXXX ''. I asked to speak to a manager and I was told they would have to call me back. I waited 8 hours for someone named " XXXX '' to call me back and they never did. I sent an email to their " customer advocate '' and received a call the following business day from " XXXX ''. She told us she would apply the payment that had previously been applied incorrectly but she couldn't do it until we were ready to make the XXXX payment. She said to call back at the beginning of XXXX and they would do it. Today is XX/XX/XXXX. We have called 4 separate times to make our payment and they have all said they can't do it. 3 different people ( XXXX, XXXX and XXXX ) have promised to have a supervisor call back and they never have. I've asked to speak to XXXX and I was told told they don't know who she is. I asked to speak to the people I have named off here, and none of them know who the other is. We are now in danger of being charge another late fee in spite of trying to pay ahead. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched phone providers earlier this year. I returned the leased phone I had with them. I also paid the final amount of my bill. All done at the XXXX store, or over the phone with a XXXX rep. However, when submitting a mortgage application I was notified that XXXX sent my account to collections. I call XXXX, and I keep getting the same response. Your account is in good standing. Your account has a zero balance. And that my account was not in collection. I try to contact a supervisor on the phone, and that seems to be impossible. I contact the collection agency, and they tell me that the debt is now at a XXXX balance because XXXX notified them of the bill being paid in full. They refuse to delete the item from my credit report now.
Product: Checking or savings account

my info was used while i was XXXX for two years and an unused account from 2015 was placed on XXXX for fraud which i did mot commit and its stopping me from getting an account which henders my status of life ( i was also XXXX for 5 years as well this is around the time these things began to occur )
Product: Credit reporting or other personal consumer reports

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested Navy Federal Credit Union/Navy Federal Financial Services to remove all accounts from reporting to third-party companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from Navy Federal Credit Union in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving Navy Federal Credit Union any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Product: Credit card

I have a Citibank double cash credit card that shows an available balance. Citi states they closed the account in 2023 but has been unable to provide documentation showing they closed the account. I have spoke with Citi and the agents were unable to explain why an available balance would be showing if the account was closed. After speaking to Citi they sent notification that they can not reopen the account since it has been too long since it was closed. Again the account does not show closed on their online site and shows with an available balance. The attaches screen shots are from XXXX. On the screen shows there is a closed account that shows how Citi displays when an account is closed. Again the Citi XXXX XXXX does not show closed.
Product: Credit card

We buy TV from Best buy in 2020 and return with in a week due to size didn't fit in our Guestroom. 

It's {$2000.00} from XXXX credit card and still not receive refund paying interest from more than 4 years on this amount as well. XXXX Dispute/ Complaint file to XXXX still not resolve. All documents and prrof 's attached.
Product: Credit reporting or other personal consumer reports

They refused to removed it they claimed that is accurate. First time is some many years and the send it to the 3 credit bureau my late payment ( I XXXX XXXX XXXX XXXX XXXX XXXX, I explained them my financial situation and nothing was done. I also paid the late fee. And the saying that those 2 late payments can not be removed. They hace to customer solutions or sympathy for the customers. During Covid they were the only one with no payment plan there was not support to theirs exciting customer. I hope that nobody go through this.
Product: Mortgage

XX/XX/2020 I called my current mortgage lender to inquire about recasting my loan. I wanted to know what the new payment would be if I were to send in a lump sum payment to the existing mortgage balance and have the new mortgage recast at the current rate. The service rep said she can not tell me what the new payment would be. I asked to speak to a supervisor and was told the same thing. They can not tell me what the new payment would be. I would have to send in at least {$10000.00} plus a {$250.00} recast fee first and then they would tell me what the new payment would be, but not before I send them {$10000.00}. They say they can not give me an estimate. 
As a consumer, I'm trying to make the decision between refinancing and recasting. Having the monthly payment information is critical to my decision. Why would this information be withheld from me? I can estimate it myself with a mortgage amortization schedule, but I want it confirmed by my current lender. I don't understand why this can't be provided to me. I just want some one to work with me by discussing loan information.
Product: Checking or savings account

On XX/XX/XXXX we wrote check # XXXX from our City National Bank XXXX account for our XXXX  property taxes for {$9100.00}. 
XX/XX/XXXX a washed version of our # XXXX check was cashed to a XXXX XXXX XXXX for {$9100.00}. The check was very sloppy, misspelled, and his back endorsement was only written as XXXX XXXX- this check should have Never been cashed or deposited and should have been a XXXX flag to whomever was the cashier a XXXX XXXX! 

On XX/XX/XXXX XXXX  XXXX Tax sent us a letter that we are late with our payment and gave us a Late fee for {$1000.00}. We immediately called our XXXX at the XXXX XXXX, XXXX  branch and got a copy of the check and discovered it had been washed and fraudulently cashed! 

The reason that it took so long to discover is that XXXX does not give you copies of your checks any longer and this check # XXXX was marked as cashed. 

We have given XXXX all the information, filed a fraud report with XXXX and waited for over 2 months for XXXX to return our money. Please HELP. 

Sincerely, XXXX and XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted a FTC report showing i waas a victim of id theft to them the last 2 months, they still havent removed the fraudlent accounts. Now my credit score has dropped and now i unable to get housing. They have severly messed up my life. they have broken so many FCRA laws .I gave them over 60 days to remove the items way more time they usually given and they still didnt correct it.
Product: Checking or savings account

XX/XX/year> - {$13000.00} was transferred from my account to another account not in my name. I contacted Fraud and was advised 3-5 business days for resolution. I have been following up and am now being told there's no timeline for resolution. UMB Bank, NA is the financial institution XXXX XXXX uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC BANK AND XXXX CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH PNC. I CONTACTED PNC BANK WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED PNC BANK AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST PNC BANK AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT XXXX HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED PNC BANK FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXXon my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the credit Bureau about this and haven't gotten any satisfaction.
Product: Credit card

I saw a transaction called Debt protection for {$73.00} on my best buy credit card, which I have n't authorized the transaction. Best Buy team, is not willing to take the dispute and help me with the dispute, XXXX from escalation XXXX, doesnot want give any more detail as they are scared for the fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXXXXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.