23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fairway Mortgage sold my account to XXXX. During that transition, they failed to credit my account for my last months payment ( XX/XX/2021 ) and therefore never sent it to XXXX. I provided proof of payment and bank statement of payment.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items 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 calls to believe that the information is inaccurate
Product: Debt collection

This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX  '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Product: Credit card or prepaid card

I booked a hotel with American Express Travel this past XXXX ( 2017 ) and used my American Express card to pay for the hotel fees. However, American Express Travel did not fulfill their contract with me and subsequently, I disputed the transaction with American Express so I could receive a refund. Although American Express should be unbiased and evaluate my dispute objectively, since American Express Travel is part of their company, they are not evaluating the transaction objectively. I know this because they literally told me. And they even told me that they could put me online with Amex travel. 
I can go into the exact details of how XXXX Travel did not meet their contract if it necessary but much of that information and associated documents are already in American Express 's hands.
Product: Checking or savings account

My bank locked my internet account access, presumably after I tried to complete a new operation on XX/XX/XXXX ( transfer of monies to a friend in the US via XXXX ) which my bank blocked before proceeding to lock electronic access to my account. 
I contacted my branch, requesting them to unlock access ; they told me they couldn't do anything, and sent me to the phone number indicated on their internet webpage. I can't physically go to my branch, since I am currently residing abroad ( till XXXX ). 
I have tried this number ( XXXX ), twice and several weeks apart, the most recent ( and last ) today XX/XX/XXXX. In both cases, the call starts by being told that the wait is at least 20 minutes, and then the wait proceeds to be much longer than that - I gave up on the first call after about half an hour wait. On today 's call, the wait was 39 minutes before someone picked up the phone, only for the call to drop a few seconds into it. That decided me to file this complaint, I am done with this. 
It is obvious that their phone 'service ' is designed to fail, and keep people away. 
The outcome is that I have some XXXX $ on an account I can not access nor do anything about it ; not very far from legalized theft in my book ...
Product: Debt collection

I paid this account in full on the XX/XX/2024. This account should not be reflecting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with GS Bank ( Goldman sachs and co ) I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/Goldman Sachs were still unable to find the account.

They Golsman Sachs did confirmed they will open an investigation.
Product: Mortgage

Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act ARS reference # XXXX, XXXX XXXX XXXX XXXX, reference # XXXX, XXXX credit acceptance account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Someone stole my personal information and opened Banana republic factory There were purchases made under those XXXX XXXX of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from
Product: Checking or savings account

On XX/XX/2022, I received a text at approximately XXXX of my account being hacked into. I became aware shortly after XXXX. I had to scan my drivers license and facial recognition to get back into my account and found all my funds had been transferred from my savings and transactions had been made, all totaling up to {$550.00}. Ive filed disputes for the unauthorized transfers and transactions but Chime has denied both and refuse to refund my money that was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

This is regarding Citi Bank XXXX. 

On XX/XX/XXXX Citi bank agent told me that there was a promotion offer for {$500.00} if I open a saving account {$25000.00} with new money and keep a total of {$50000.00} in my account for only 3 months. I opened the savings account and kept the conditions as they told me, but did not receive the {$500.00} after 3 months. 

On XX/XX/XXXX I called Citi bank priority customer service regarding this issue and asked if I qualify to receive {$500.00}. The agent informed me that I do qualify for the promotion offer. The agent informed me that even if I close my saving account and transfer the money to my checking, I would still qualify for the promotion offer. The agent then proceeded to close my saving account and transfer the money to my checking account. 

A few days passed and I still did not receive the {$500.00} promotion offer as promised by Citi bank. When I requested it again, I received a letter stating that I can not receive the offer because I closed the savings account. 

This is not rightful action taken by Citi Bank. I was deceived and given incorrect information. I followed the conditions stated by Citi Bank employee. I brought {$25000.00} and opened a savings account and kept a {$50000.00} balance for 3 months. I even verified with the bank prior to requesting to close my savings account, in which the agent stated I would still qualify for the offer if I closed my saving account. 

The bank should pay right after the 3 month promotion period. I waited for 4 months then closed the account because the Citi bank employee told me it was okay. 

When I participated in offer, Citi bank employee told me I only needed to keep the account open for 3 months. She did not tell me that I needed to keep the account open. The customer service agent also confirmed that I did not need to keep the account open. 
If the savings account needs to remain open to get promotion offer, that is not a 3 month condition. 

This is a mistake by Citi Bank and they should give me the {$500.00} promotion offer as promised. The employees at Citi Bank should be well informed about their services in order to prevent giving their clients wrong information and from losing money.
Product: Mortgage

Due to COVID 19, we took forbearance for 3 months and attempted to get on a deferred repayment plan. The company ( New Rez/ Shellpoint mortgage company ) has yet to be forthcoming on in communication if whether the repayment option selected was accepted or not. Constantly rerouted to voicemails and subject to robocalls and letters saying about how much is owed but no human interaction to help me the consumer know whether I'm approved or not. Furthermore I'm getting the feeling that time is being wasted for me to be in the potential of defaulting on my mortgage as it is almost 30 days and no feedback. 

Secondly, they have yet to disclose to me options available for the second property in terms of repayment plan options. I'm still unaware of what options are available to use for repayment and I'm just getting the runaround. I have never received one call as promised by the company during this whole forbearance and COVID period it has been very disappointing and eye-opening. I honestly feel like someone is purposefully trying to get me to default and frame it as I was unwilling or not trying to pay. Lastly, their website to expedite things and fill out additional forms to get faster service has not worked very poor.
Product: Checking or savings account

On XX/XX/2022 New Jersey unemployment sent out {$4900.00} Dollars and the government sent payments that was old to me on XX/XX/2022 {$5000.00} as well.however cash app keep saying they never received my payments from New Jersey unemployment.Ive told cash app it maybe the wrong Account number.unemployment May have sent.will they look up my profile to see if New Jersey sent my funds well as my name Attached to it. No respond with them. Tried calling him no respond they dont pick up New Jersey unemployment states they have sent out my payment to cash app and asked them to look up my name to see if any money came in it may be the wrong account number but routing number was right..
Product: Student loan

MOHELA has caused significant difficulty during transition to repayment. I applied for XXXX XXXX XXXX, but selected that I did not want to go into forbearance because I wanted to continue to make payments towards my PSLF forgiveness. MOHELA put me into forbearance anyways. 

I called several times but was on hold for over XXXX minutes each time. When I finally got through, I was able to have my account taken out of forbearance, but then was advised my XXXX payment would be noted as a late payment. Since I was in forbearance at the time, I asked for that payment to not be reflected as a missed/late payment because at the time there was no payment due. The representative stated there is nothing she can do. When I asked for a supervisor, she said she was going to put me on hold but then hung up on me. I had to call back and wait on hold for another XXXX minutes to get through. 

I then spoke with a representative that said I would not have a past-due amount or any missed/late payments for the month of XXXX. However, now when I check the site, it says that I have a past-due amount from XXXX - when I was in forbearance. 

MOHELA has not been helpful in getting my repayments back on track, logging them correctly, or having adequate support to be able to fix/address any problems that have been experienced during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and Equifax a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( Equifax, XXXX ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX Account Number :XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX  Account Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Product: Debt collection

THE COMPANY XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report
Product: Credit reporting or other personal consumer reports

When lenders pull my credit with a soft pull they are getting information on fraudulent accounts that were previously removed. When a hard pull happens it shows my information as it should be. Unfortunately many lenders pre-qualify you based upon a soft pull. The fraud accounts continuing to be shared in the soft credit pulls are impacting my ability to get loans, refinances, cars, or any sort of credit with a company who pulls equifax as a prequalification process. I would like this corrected immediately. I will attach a copy of a recent credit pull that shows a score of XXXX pulled from Equifax and notice of serious delinquency and unpaid accounts. My equifax report should have neither of these things and a score above XXXX on average depending on scoring medium. Please let it be known that when I pull my credit report with experian or XXXX they also show removed accounts despite updating to a current date report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card

On XX/XX/2024 I called Bank of America XXXX at XXXX to solve a charge for {$18.00}. I had ordered something from the merchant but I wanted to return it and the merchant never provided the label after 10 days of waiting. I called the bank and XXXX  answered the call and she was very snappy and defensive when I asked her what call center she was located at. She had mentioned Arizona but refused to answer any questions I asked. She disregarded anything I said so I requested to speak to a supervisor and she put me on hold and ultimately hung up the phone at XXXX on XX/XX/2024. I hope calls are recorded and you are able to listen to the call and fire this individual. Customers don't mean anything it seems to me. Is only important what the rep in this case XXXX had to say and if you asked her something she got upset. She told me we have to keep this professional without me even saying anything unprofessional. She was defensive from the start. After XXXX hanging up the call I called back and spoke with XXXX at XXXX from Delaware and he handled my dispute for the wrong item received from the merchant. I have had issues with these type of reps in the past at Bank of America and it just keeps getting worse with time. XXXX handled my claim but XXXX  needs work and no rep should be hanging up the phone on customers or doing any on job tricks so they hide their tracks.
Product: Credit reporting or other personal consumer reports

Their investigation did not fix an error Improper use of your report
Product: Bank account or service

Chase closed a personal bank account of mine without any reason and will not tell me why. They have taken {$300.00}.