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

From XXXX until XX/XX/XXXX, I endured a challenging period in a XXXX XXXX  relationship that lasted multiple years. During this time, several financial accounts were opened in my name without my consent, leading to significant financial distress. In light of these circumstances, I was forced to declare bankruptcy in XXXX, which has further complicated my efforts to rebuild my credit. 

As I work diligently towards my goal of purchasing my dream home, I find myself hindered by these accounts that stem from a situation beyond my control. Therefore, I am respectfully requesting the removal of the following accounts from my credit report, as they are tied to a litigation process that is unrelated to my actions. 

Here are the specific accounts in question : XXXX. **Account Name : ** XXXX XXXX  XXXX XXXX 
**Account Number : ** XXXX **Account Type : ** Line of Credit **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX XXXX Type : ** Secured Card **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Note Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Type : ** Cell Phone **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX I am sincerely asking for your understanding and forgiveness regarding these issues, as I am making every effort to rectify my credit situation. The burdens associated with these accounts are significantly obstructing my path towards financial recovery and homeownership. Thank you for considering my request.
Product: Debt collection

This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.
Product: Mortgage

I recently relocated to a new city/state and am in the process of buying a new home. I knew before applying for pre-approval that my credit scores needed to be in good standing before submitting an application. So I took a hit and took out some of my retirement savings and paid down most of my debt before applying. I used website like XXXX, XXXX, and XXXX to monitor my credit and make sure my scores were headed in the right direction. I pulled report from all three credit bureaus and saw that my scores were, XXXX, and XXXX. They all showed the same on all three websites. I even called XXXX, XXXX, and XXXX that those in fact were my scores. So I applied for pre-approval with Wells Fargo bank. They came back and told me that my score that they pulled showed my score at XXXX! Imagine my shock when seeing a XXXX point swing! So I called Wells Fargo and asked why such a huge discrepancy?? They said they had nothing to do with my credit pull and the report came from a company called XXXX. So I called XXXX, and they proceeded to tell me that the scores they provided came from the credit bureaus and I needed to call them. Zero help, from either place. All playing the blame game. So I called XXXX back and verified my score was in fact XXXX. I called wells Fargo again! No help, told me they had nothing to do with the numbers and did n't know what method was used to pull the scores that it was handled by XXXX! I called XXXX, again, and they told me their information came from the bureaus!! Not XXXX person could explain to me why there was a XXXX point difference in what I saw as my scores and what they saw as my scores! Not XXXX ounce of empathy or caring from any of them!! XXXX credit score barely qualifies for and FHA loan and means I 'll be stuck paying a PMI when I should n't have to. And these banks and companies could care less because they 're getting paid regardless! No one tries to help you and no one cares that you spent {$10000.00} of your retirement to put yourself in a good position for a loan only to be told your efforts mean nothing!!! This process needs to be fixed. We as taxpayers bailed these banks out and we are still treated like XXXX class citizens at best. It 's shameful, disrespectful and down right greedy.
Product: Mortgage

I called my lender, Carrington Mortgage, to verify my first payment was not due until XX/XX/XXXX of XXXX and the representative said they never promised me that. When I told her I talked to many agents stating the first due date of my mortgage after the loan modification was on XX/XX/XXXX, she claimed I was lying and that agreement was from my previous lender. I have attached the email from Carrington saying when my first mortgage payment is after the loan modification and the letter they sent claiming that I owed from XX/XX/XXXX to XXXX. 

They also said they would change my mortgage interest rate from 2.78 % to whatever the current rate was, when I told them they could not do that, they put me on hold. 

I will have to file for bankruptcy to get away from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXXXXXX XXXX  account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX NA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous complaint number XXXX, XX/XX/20. I received a letter from XXXX XXXX on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the XXXX XXXX report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at XXXX XXXX should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off XXXX XXXX website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get XXXX  to Correct my report, Can I sue them? 
Thanks, XXXX XXXX
Product: Mortgage

I am the executor of my mothers estate who passed away XX/XX/19. We sold her home and closed on the loan XX/XX/19. She has a reverse mortgage. The bank that closed the loan has been trying to get a payoff from the reverse mortgage company since XX/XX/19. At first they told the bank it would take 5 days but when the bank contacted them again today they said it would take 10 days. Now they are going to have to request another payoff XX/XX/19 and wait another 10 days. Every day longer they take costs the estate more money. They should not be allowed to drag their feet like this.
Product: Mortgage

XX/XX/14 MD Homeowner 's Assistance Fund underwriting requested documentation from Select portfolio Servicing Inc regarding mortgage account ; XXXX ( XXXX est ) ltr from borrower updating SPS on XXXX  status and asking for a timeframe of when documents would be submitted to XXXX XXXX XXXX ( XXXX est ) duplicate payment canceled ; no mention of a demand notice until XXXX XXXX ( XXXX ) ltr demand notice generated in customer portal ; borrower was unable to access and expected such an important document to be sent certified ; XXXX ( XXXX est ) recorded call clarifying that a payment is still scheduled and asked why a demand notice was issued when customer thought SPS was waiting on funds from XXXX once they send necessary documents XXXX ltr uploaded to customer portal asking that it be sent to a specific address because of mail carrier issues or property address if it would be certified XXXX borrower tried to access " demand notice '' and was successful ; noticed the cure date was XXXX ( one for each address mentioned in letter )
Product: Mortgage

My mortgage was originally serviced with Suntrust, which merged with Truist officially sometime between March 1-5 2022. Truist claims during the servicing transfer that there will be no late payments charged for 60 days following the transfer and no derogatory reporting to the bureaus for 90 days following the transfer. My mortgage autopay was cancelled during the transfer and the XXXX payment was not made. Truist claims they sent me a letter in the mail on XX/XX/XXXX notifying my of the late payment but I never received such a notice in the mail. I also never received a call or email from Truist regarding this. On XX/XX/XXXX I received a call stating my mortgage was 30 days late and I immediately made 2 months mortgage payments on the phone ; however, was told that although the late fee can be removed from my balance, they couldnt help me with the negative reporting because it was already reported to the bureaus. I have been trying to get a hold of anyone at Truist who can help me correct this derogatory from months now. Wait times on the phone were pushing 2 hours at times for me just to talk to someone. Every rep I talked to at Truist confirmed with me that yes, the transfer happened the first week of XXXX, and that I should be covered under the XXXX grace period for non-reporting of derogatories to credit bureaus ; however, none of these reps could ever provide that info to me in writing. They refused. They confirmed that they have had a large amount of customers claiming that payments never went through following the transfer and that I was not alone. Every phone call ended with the rep initiating a dispute with Truist to get the late payment removed, and every time i received the same template document in the mail stating that my account is accurate as reported.
Product: Debt collection

XXXX XXXX  informed me of the complaint. I do have an account with XXXX XXXX, but my account is current and is paid through auto pay. I didn't open another account as stated in the complaint. When I talked to XXXX XXXX they stated that there was no other accounts besides mine associated with my account. I've filled a complaint with XXXX XXXX also.
Product: Checking or savings account

For several months my account was being charged and wasn't aware because I didn't have funds and overdraft fees came up to XXXX and they wouldn't give a fair amount to pay back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is not helping me at all, I filed 2 complaint with you guys and one response was they couldnt verify me so I sent 2 forms of verification the very next day I got an email from u guys saying they completed their investigation, how is that even possible when they havent received my documents yet I priority mailed it and they will receive it this Friday XX/XX/XXXX, I stated multiple times the items on my credit is incorrect and inaccurate nothing seems to be working out I am an victim of identity thief,, this is hindering me from doing a lot credit wise I did all I can do I NEED HELP PLEASE
Product: Consumer Loan

I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.
Product: Checking or savings account

I found out on XX/XX/23 that my checking account with Money Lion Bank had been closed due to unusual activities. I checked my transaction history and there was nothing unusual. I had approximately {$350.00} in the account with pending bills coming out later in the month. When I contacted the company through chat I was informed it was closed due to unusual activities again, I asked for them to explain what unusual activities. The had no response. I then called the The bank again to speak with someone and Asked what unusual activity they had seen, and asked them To explain it to me. They had No explanation. 
I told them that All of the transactions on the account were normal and that nothing was unusual. The gentleman informed me that if I approve of the transactions, If I submitted my Driver 's license and proof of address they would reopen my account. I submitted the forms, a few minutes later I got another email from them saying my account was closed indefinitely and there was nothing they could do. I called them again And ask if my account was going to be Reopened? They told me no that it was closed indefinitely due to unusual account activity. I ask again what account activity is there something I am not seeing? They said there was nothing they could explain and that the account was closed. I had approximately {$350.00} in the account with pending charges at the end of the month coming up. I have no way to pay these bills now. And no way to recoup the money that was in the account because they told me they would send it to the fund originator and the business I work for It's not set up to take returns on money that they send out for payroll. I feel as though that this bank is predatory. And they took my money with no way for me to pay bills or recoup the money From them I could open another count somewhere else, but how Am I supposed to get the money back from them?
Product: Credit reporting, credit repair services, or other personal consumer reports

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX TransUnion and XXXX and all other credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXXXXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. JP Morgan Chase also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with JP Morgan Chase. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXXXXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Product: Credit reporting or other personal consumer reports

COMPANY EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AS MY PERSONAL INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT. COMPANY EXPERIAN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - IT IS ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY EXPERIAN LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. MY NAME IS ON MY CREDIT REPORT INCORRECTLY. I HAVE SENT MULTIPLE LETTERS TO EXPERIAN AND THEY REFUSE TO DO THE RIGHT BY THE REQUEST THAT WAS SENT CERTIFIED. PLEASE AGAIN REMOVE ALL PERSONAL INFORMATION BECAUSE YOU AS A COMPANY DO NOT NEED THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Product: Debt collection

Random companies call me all day long trying to connect debt that I do not owe or know anyone else that does owe any
Product: Money transfer, virtual currency, or money service

Update : previous complaints filed. XXXX deducted XXXX XXXXXXXX after authorization was withdrawn within XXXX minutes of their refusal to honor the agreed upon interest rate. 

Bank of America allowed XXXX to remove XXXX XXXXXXXX from my checking account on an overdraft, sending my checking into a negative balance of $ XXXX less the cash I had in there. All of my transactions began to bounce, and I could not pay bills or even authenticate an outside bank account in order to move money or pay my BOA credit card with other funds as my funds were unlawfully denied access. 

Meanwhile, initiated transfer to get my money out of BOA, after notifying them of unlawful XXXX transaction, which they refused to " flag ''. Initiated money transfer XXXX  XX/XX/XXXX. XXXX did not go through. Authenticated through fraud unit which then stated the money would transfer, but it didn't. Did this twice, then the transfer terminated. Initiated another transfer. Called to see why transfer was not going. Told money was on hold with internal fraud department and phone number could not be provided. Went to bank to withdraw money at BOA XXXX XXXX XXXX XXXXXXXX XXXX. Told I could not have the money. Told the money would transfer, after BOA in XXXX had already told me the money would not transfer due to some " internal hold ''. 

Meanwhile, XXXX allegedly returned the XXXX XXXXXXXX. Still my money was not available to me. Called XXXX to get police to file police report. XXXX at BOA, the same woman who refused to file the dispute on Monday, XX/XX/XXXX, deliberately misdirected police, indicating the money was releasing, and denying the XXXX XXXXXXXX transaction, even printout out the savings account, when the overdraw was in the checking. 

Police officer claimed it was my own fault for engaging in internet banking, that I should go to the branch, and that this was just a timing issue. Further, wanted my passwords to my bank accounts from my phone, which I have never set up for obvious reasons. Claimed I didn't have any " paperwork '', given all of this was done electronically, and he could not proceed without verification, despite the fact that the printout provided by XXXX showed my money " gone '' and a zero balance, and the money was not at the transfer bank. Meanwhile, repeatedly told him BOA was not going to send the money per their fraud department, as they had already failed to complete the transfer twice before. 

I don't have my money.
Product: Credit reporting or other personal consumer reports

PLEASE UNDERSTAND MY SITUATION DURING THE HARDEST TIMES, WE ALL EXPERIENCE STUFFD DURING XXXX. PLEASE GIVE ME MORE UNDERSTANDING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Experian credit reporting agency and them reporting inaccuracies and UNVERIFIED information. There is a bankruptcy listed on my credit report. I have asked Experian for their method of verification into this bankruptcy reporting on my credit report. They ensured me that the information that they are reporting was verified by the US bankruptcy court. I have personality went to bankruptcy court asking if Experian reporting agency has actually verified the said bankruptcy on my report. The US bankruptcy courts insured me that the bankruptcy in question has not or NEVER been verified through the courts. I have attached the courts paperwork. Even after Experian receive notice from courts that they never verified they are still refusing to remove said bankruptcy from my report. At this point EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHTS. They have lied stating the information was verified and that is false. I am needing them to uphold their end of reporting accurate and verified information on my report and since that has not been done THIS BANKRUPTCY NEED TO BE REMOVED FROM MY REPOET IMMEDIATELY. I dont understand how facts and proof are being disregard. This needs to be removed from my report.