23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This problem started after my father the home owner passed away and the estate was in probate court.My father 's estate was to be handled by court appointed administrator, XXXX XXXX.He was and still is negligent in handling this estate but even though I have tried to bring my critical concerns to the court, they never saw anything wrong with XXXX XXXX actions.When the family home was in foreclosure, he did nothing and he never gave us the heirs any opportunity to do anything.The mortgage company would not communicate with the heirs, since they said we had no standing.We were never given an opportunity to save our family home.Ever attempt by the heirs was handled byu XXXX XXXX in bad faith.They decided they were going to sell the home and make a profit and we we never given an fair and honest opportunity to buy the home.Even before the foreclosure, now that I have been looking at the mortgage contract there was a discrimation by the lender to take advantage of a elderly and sick man by making him sign a contract that will extended pass his death.This was predatory lending, the out come was known when the contract was signed.THere were also problems with the income stated and my father 's XXXX  compacity is also questionable since he suffered XXXX XXXX prior to his signing.The mortgage company took the home, even though it infringed on the mortgage contract when it send in Safeguard properties without notification and when it was in the home, my families valuables were stolen.The heirs did file a civil case but it was dismissed because XXXX refused to enter the lawsuit.I have fought this by myself and XXXX XXXX with its vast wealth has done everything it could to shut me down.It never acted in good faith with negotiations and it refused my bid on an auction website even though it met their price.Time and time again XXXX XXXX made sure my family never had a fair and honest chance to get our home back.Now its on the market for XXXX that's almost 3 times what the mortgage amount was.XXXX XXXX is guilty of predatory lending and age discrimation and acting in bad faith.I also asked numerous time for a copy of the original appraisal but was never given one.I want the appraisal.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX  regarding account number XXXX ( XXXX and XXXX ) and XXXX ( Equifax ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} XXXX : {$0.00} Equifax : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate. 
Misleading Payment Status : All bureaus report the payment status as " XXXX, '' which does not accurately reflect my payment history and efforts to resolve this account. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Sec 602, states I have the right to privacy. 15USC 1681 sec 604a, sec 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC, 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have submitted the proper documents to Transunion credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act 605B. I submitted identity theft report on XX/XX/2019. However, the following accounts have not been blocked from my credit file. Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 days after receiving the identity theft report. Transunion has not blocked the following account from my credit file. It has been over two months since I sent Transunion identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Transunion on XX/XX/2019, along with copy of the Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Transunion has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report and Equifax data breach claim and remove the account XXXX XXXX  XXXX from my credit report immediately.
Product: Credit card or prepaid card

On XXXX the XXXX or XXXX I believe I reported a unauthorized transaction {$450.00} as well as many. More onauthorized transactions that were used by my account online to purchase product On websites that I have never ever been a nor used. I contacted the merchants to try to resolve the problem at first then I contacted my XXXX  pay direct who is payfare And reported a unauthorized transaction they sent me a list of information and procedures I needed to do in order to dispute this transaction that amounted to a. {$150.00}. I did every single thing and have more than proven that this was not me who authorized the transaction. Nor was the one who even had any part to do with the transaction. I offered to go get a price report. I was told through email not to do that it was not necessary. I provided all and any documentation to communication with the merchant. And I was told that there would be no more than 60 days. It has been over 75 days now. I have emailed numerous times with no response whatsoever. I have now contacted on more than XXXX times every single day for the past 10 days with run around and more than likely most times. They just hang up on me with no response. They just tell me it's been sent to another department and then they hang up on me every single time. They do not allow me to even say anything else once I figure out that it's me. I would like a resolution because I know just as well as they do that this was not me. My card information was stolen because I left my card accidentally at a gas station on the counter. I even went to the gas station to. I have a precious report filed against the convenience store clerk. Who I believe is the one that stole my Information. Payfare has been more than unprofessional and more than unresponsive to any and all of my concerns regarding this because I am a XXXX XXXX Full time And I generate more than {$7000.00} worth of taxi for the company every single month consistently for almost a year now and to be treated and this type of manner with no help no resolution and any and all promises and guarantees made by this company to resolve my issue for the money that I hard earned honestly. And you have complete and total disregard for that and complete and total disregard for my contribution to the company at 2 try and have a decent honest. Living to have no help whatsoever and as I say again complete and total disregard or any type of loyalty from their end on their promises and they're guarantees it's like falsely. Promote is a disgrace and I'm ashamed that I even have to do this to make a living now knowing that I have no type of protection. Whatsoever when it comes to the money that I make for thiscomforting
Product: Credit reporting

View " Document '' of " Display A ''. I endure harms since I have to depend on an exact and finish statement of my credit record and request that you expel the questioned things from my report promptly as you neglected to conform to the law. Otherwise, I will contact the Federal Trade Commission and inform them with respect to your evident carelessness for consumer security laws. I am asking for your help with putting a conclusion to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Chase today to close my account again since I asked them to close last XXXX. Instead of closing my account with only {$1.00} or something, they keep the acct open when it was not supposed to be open. I closed it last XXXX. Chase charged me twice for XXXX and XXXX when I have NOT used Chase online or account at all knowing I have no money there and asked them to send me the rest through address. They did not and keep it open. They charged me intentionally. 

Today, I asked Chase to close it again ... they refused to close because of the negative balance. Negative balance was not on my part but from their part, they did it intentionally to charge me when I have not used online or their website or my acct at all until today, so that was when I learned I have negative balance. 

The reason why I wanted to close with Chase is because they did not accept a credit card I wanted to have to improve my credit score.  Instead of helping me, they did not approve and did they really expect me to keep Chase who denied my application for Credit Card? No. So I asked them to close but they did not and refuse to close TODAY just cos of negative balance which was done intentionally. My bank with XXXX XXXX  XXXX XXXX does not charge me at all.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX XXXX XXXX. 
account type : revolving Date open : XXXXXXXX XXXX XXXX  Status : Charge off I use this company to improve credit and was not satisfied with the service so I terminated service. Account has been closed and still shows negative on my credit report
Product: Vehicle loan or lease

XX/XX/XXXX, I went to make a payment on line and my account was locked. I called the office and told me its because I file bankruptcy. I did not and told them this. They said they will review and get back to me. XX/XX/XXXX I called and told the same I cant make a payment because I file bankruptcy and I told them no didnt. Now XX/XX/XXXX I called again and told I cant make a payment as account is locked and I show a bankruptcy. I ask for a supervisor and said they was not there and to ask for home office number and said dont have it. Now the account is unlocked and can make payments but charge me fees for 3 months and posted on my credit report Im late 3 months. They have charge me over XXXX  in fees per the report and I been deny a loan for a car because of this.
Product: Credit reporting, credit repair services, 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 USC1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 items of information, other than records of convictions of crime 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: Debt collection

I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.
Product: Credit reporting or other personal consumer reports

I am writing to you with the utmost urgency and demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 

These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft, and it is causing significant harm to my financial reputation and well-being. 

The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I filed bankruptcy in 2017. At that time, my student loans with Navient should have been discharged as well. They were never discharged and the loans are double the cost of tuition for the university I attended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report on XX/XX/21 and I have a collection account that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

In addition : They are in violation 15 USC 1692d as well for reporting to my consumer reports this is ruining my reputation and it is defamation of character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TO EQUIFAX CREDIT REPORTING AGENCY XXXX XXXX XXXX, XXXX, GA XXXX I am writing to dispute the hard inquiries listed below, which appear on my credit report : - Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry XXXX : XXXX XXXX XXXX  : XX/XX/XXXX - Inquiry XXXX : XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX - Inquiry XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not authorize these inquiries, and they are inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute and have these inaccurate inquiries removed from my credit report.

Furthermore, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for employment purposes with the consumer 's consent. I did not provide consent for these inquiries, and they were not made for employment purposes. 

I request that you : XXXX. Immediately remove the disputed hard inquiries from my credit report. 
XXXX. Provide written verification of the removal. 
XXXX. Provide a copy of my updated credit report. 

Please respond to this dispute within 30 days, as required by 15 U.S.C. 1681i ( a ). Failure to do so will result in legal action to protect my rights under the FCRA.

Additionally, I request that you provide the name, address, and phone number of the furnisher of the disputed information, as required by 15 U.S.C. 1681j ( a ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/year>, my account got hacked someone transferred {$5000.00} from my account i emailed company about it instead of helping they closed my account and i had around {$3000.00} left on the account that they said they are gon na send me a check but then they send another email saying they are gon na retain the funds from that day I'm begging them to release funds they are not reply to any email i have sent about 30 emails to them no response.
Product: Checking or savings account

On XX/XX/2018 my family member XXXX XXXX stole my debit card and withdrew {$500.00} from my account. I noticed this the next day and reported this to my finacial institution. I advised them that my family member knew my pin # and i did not authorize this. My financial institution advised me they are cancelling my card and sent me a new one. I waited 30 days for the dispute process in which they denied the claim due the person using a ATM that i use as well. I explained to them this is the ATM i use all the time and its right by my house. They advised me to send a hand written appeal with all the details of what led up the theft of my card. I did so. This was an additional 45-90 day  process. I waited the necessary time frame and reached out to them for an update. My financial institution then advised me to get in touch with the ATM this happened at as this is the only way i can get my money back. I advised that i don't see how this will fix anything seeing that i do not have an account with that bank i have an account with them. I reached out to the merchant anyway and they advised me of the same thing. There is nothing they can do since my account is not with them.I have provided this company with my family members name, address, and advised he is currently incarcerated and where. When you call the customer service number they clearly state if you card is lost or stolen you are protected. This is not true. My financial institution is XXXX XXXX XXXX XXXX. I have had this account for 5 years and have all my deposits on this account such as direct deposit from both my jobs and income tax every year. The ATM i used is XXXX XXXX and dont feel they have anything to do with this situation they were just the ATM used.
Product: Mortgage

I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more
Product: Consumer Loan

I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.
Product: Debt collection

WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.
Product: Checking or savings account

The promotional opening account bonus has not been credited in a timely fashion.
Product: Credit reporting or other personal consumer reports

Attempted to contact reporting agencies about injuries, they were no help. received many automated messages. 
Experian file was compromised with unrecognized/unauthorized inquiries. 
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