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

I have disputed this account several times and notifying the original creditor that this account was opened during the time I was XXXX. The address they have listed I have never lived in the state of XXXX only XXXX I have supplied certified court documentation of my XXXX time in XXXX XXXX and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included XXXX XXXX  and still no resolution.
Product: Checking or savings account

I believe Navy Federal is still doing wrong. I've had issues with them all this year. Items that should have been paid don't get paid as they should. Causing extra overdraft fees. I've complained a few times to them about this. Wish I would have held on to those messages. I took all direct deposits out of their bank due to beginning to distrust them.
Product: Credit card

I contacted Bank of America and they stated that I had opened my account XX/XX/year>. They sent me a replacement card and opened up an account without my authorization. I never signed on with Bank of America to take on my bank card from XXXX. My interest rates have been rising drastically and it's been since XXXX of XXXX. I have requested them to give me an answer as to why they keep raising it when I'm never late. I also told them I never open an account with Bank of America during that time frame. So they completely opened up a whole different account without my authorization by sending me a replacement card.
Product: Credit card or prepaid card

On XX/XX/21 I received correspondence from Citibank in regards to their privacy policy - however no one answers their phone when calling the number on the letter I will be attaching that you can actually speak with. 

Im re : to that privacy policy on the last three choices where it says can you limit the sharing - and citi says yes just call them ( which I have with no help ) I want them to not share in reference to the last 3. 
Ex : For our affiliates everyday business purposes I dont want that shared nor do I want For our affiliates market to you shared as well as for our non affiliates to market to you - I dont want that shared either. Please have citi update this Bc I cant get a hold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Mortgage

I called Quicken loan about va stream line and was told misleading information.I asked the agent what is the credit score required to file for refinance and was told XXXXAfter my credit was ran he told me XXXX and when I asked why did tell me misleading information he hangs up on me.Not was ran and they sold my information to another company without informing me. 
I filed small claims court case which is set for end XXXX because the broke law in California were a verbal agreement is the same as contractual. I called to file a complaint the was very rude to me.My wife credit was also approved without her consent the agent did not ask identifying information before was ran.All the information provided was was misleading.
Product: Credit card or prepaid card

A few months ago, my credit score was above 700. Today, after paying all my bills on time, my credit score is XXXX. The reason is because Capital One continues to negligently accept fraudulent charges related to identity theft on my ( now closed ) accounts without notifying me. I recently filed a complaint about this exact same issue, and while awaiting a response, I discovered by looking at my credit report that Capital One struck again, and negligently accepted another fraudulent charge on my former credit card without notifying me. Capital One then once again reported additional false derogatory information about me to the credit bureaus. In other words, Capital One is a serial abuser of their customer 's credit ratings, they apparently have no decent security apparatus, and there appears to be no end in sight to their shenanigans. Capital One knows or should know by now that the derogatory information they continue to disseminate against me is false. 
Capital One, just like any other company, is required to report only correct and accurate information to the credit bureaus, yet Capital One continues to brazenly flout the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Capital One regularly advertises zero fraud liability. How much longer do you think that I should be liable for Capital One 's facilitation and embrace of identity theft? 
The next correspondence you receive from me will not be nearly as friendly as this one, Capital One. I'm looking at legal options. You need to stop lying to the credit bureaus about me, today. 

P.S. How would you feel if your credit score went down 100 points just because somebody you have no business with and haven't had any business with for several years would not stop disseminating derogatory information about you which they know to be false? What would you do? Would you sue them?
Product: Mortgage

My mother died XX/XX/XXXX .My brother and I lived with my mother and paid her XXXX monthly for six years.We never knew the what the mortgage payment was.When we called the lender they refused to give us any information even though we told them the CFBP issued in XXXX and a rule issued in XXXX gave successors in interest certain rights such as being added a borrower without triggering the ability to repay rule.We are now in court going through a foreclosure. All we want to do is find out our options to keep the home.We have been in court two years with attorneys  that will not speak with us because instead of them trying to resolve the situation with us they foreclosed on the home even though they were aware of my moms death and we brought it to the attention of the court and filed a motion to dismiss which was granted, We are now going through the process a second time, They knew they could not foreclose on a deceased person so there is no way they are going to be nothing but adversarial which they are because we informed the court about what they were doing was illegal .We would like to speak with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX, XXXX. back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, XXXX  which is not where I live. I live in XXXX  and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of XXXX, XXXX. but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the XXXX XXXX of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.
Product: Credit reporting

Many agencies that pull my criminal background are not receiving the correction information on my record. I have found this since I was release from the XXXX XXXX in 2009 from XXXX XXXX. I have experienced the inaccurate reporting from many employers, rental properties, and financial services. I am currently working on stabilizing myself with a job, shelter, and food. I found that they report that I have felony charges and convictions. I only ask that the agencies receive the right information to further the chances of change for revitalization in society.
Product: Vehicle loan or lease

I made my payment to Tidewater Finance Company ( acct ending in XXXX ) on XX/XX/XXXX thru my XXXX bill pay app for {$540.00} which was the amount due by the XXXX of the month. The payment was not processed or accepted by Tidewater Finance until XX/XX/XXXX. That is 8 days after the payment was made and 4 days past my due date. The confirmation number for this transaction using my checking account is : XXXX. I have screen-shots of this to prove my case if needed. This is not the first time that this company has done this and that is why I knew to take the screenshots of the payments being made. The customer service representatives are hateful and disrespectful when you call and try to resolve the issue and refuse to assist you.
Product: Money transfer, virtual currency, or money service

I accidentally sent a money transfer to the wrong phone number it was XXXX wrong digit and when I contacted my bank they stated it is no way to get my money back they said they would be in contact with me but never contacted me again this happened XX/XX/year> with Bank of America for {$5000.00}
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I have lived in my home for nearly 30 years. My wife and I ( now deceased ) raised our kids and family here. I am now in foreclosure, all because of the very bad loan XXXX XXXX ( now Wells Fargo ) put me in back in 2007. This is a loan where the interest rate and payment goes up and so does the balance. It is called a pick a pay loan. I did not understand this loan when I took it out, I trusted the people at the bank who gave this loan to me. I am XXXX and English is not my first language. They made the loan sound so good, but now several years later it is proving to be very bad for me. As the payment has increased over {$500.00} per month I have tried to get Wells Fargo to work with me to fix this problem. However I ca n't make any progress. I have sent my paperwork to them many times but I have never gotten any help towards a modification. So I began working with a lawyer, who tells me the only way to get Wells Fargo to pay attention is to begin missing payments. So I do this and send in all the papers again many times. Still I have not gotten any help from Wells Fargo. 

I am now in foreclosure with Wells Fargo. I make money from retirement income and also I have rented out rooms to boarders and my grandson lives with me and helps out. I have enough money to give a fair payment to Wells Fargo. But because of this very bad loan they put me in XX/XX/2007 I now see everything falling apart. Why wo n't this bank help me and work with me? My Attorney told me these pick a pay loans are very bad and now illegal?? I want some help from Wells Fargo to get out of this situation.
Product: Mortgage

This year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 
every year, i call and get the ecrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested. 
3. i have to find errors and request every year to revise the escrow analysis
Product: Credit reporting or other personal consumer reports

These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.
Product: Debt collection

This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Citi Mortgage is our mortgage co. In XXXX we did a re-fi with Citi mortgage and on taxes Citi did a Debt Discharge of {$13000.00} in each of our names. For the taxes of years XXXX and XXXX Citi Mortgage continues to do the same in amount and to each of us separately in our each name. Continuing the Debt Discharge was NOT part of the re-fi and yet is being done.
Product: Checking or savings account

XXXX XXXX there was an {$300.00} being reprocessed on my account due to payments that I havent payed or even subjected to swipe my card, I also included information on why my account was being charged due to a friend stealing my information. XXXX XXXX I no longer have info for my regions account due to owning regions {$300.00}. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, email address XXXX.
Product: Debt collection

A man by the name of XXXX XXXX from Prime Recovery legal team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX seems to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX  needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX XXXX legally you need to help with that!!!!
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 15 USC 1681. 
Account Name XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps rejecting my disputes and falsely marking my complaints here as duplicates. They just did it again to another recent complaint and I am sick and tired of it. WHAT AM I SUPPOSED TO DO WHEN THEY REFUSE TO INVESTIGATE AND REFUSE TO DELETE ACCOUNTS THAT HAVE VIOLATIONS? Thanks to their illegal antics, I have been dealing with them for basically a year now of disputing because they've refused to do anything about accounts that have been -- and still are -- illegally reporting in my credit file. Each time a dispute has been requested, EXPERIAN NEVER INVESTIGATED and they NEVER REGARDED THE SHEER VIOLATIONS ON THE DISPUTED ACCOUNTS. This alone is a violation! In fact, I discovered based on the old " dates of status '' in my report and online ( when I log in to my account ) that they have not investigated the majority of the disputed accounts ALL OF XX/XX/XXXX & so far in XX/XX/XXXX when I've disputed! THIS IS A VIOLATION AND MEANS THAT THEY MUST DELETE ALL DISPUTED ACCOUNTS AND MUST UPDATE THE ACCOUNTS TO POSITIVE ( which I note in my attachment ). On top of that is the fact that 1 ) There's an account I have REPEATEDLY noted as reporting CONCURRENTLY AS " OPEN '' AND " CLOSED '' when it is in fact a closed account ; 2 ) There are a couple of RE-AGED ACCOUNTS ; 3 ) The XXXX accounts are all reporting as late in XX/XX/XXXX, but I WAS NEVER LATE in XX/XX/XXXX ; 4 )  Two collection accounts are reporting " past due '' when COLLECTIONS ARE NOT SUPPOSED TO REPORT A " PAST DUE ''. Moreover, Experian sneakily includes the " past due '' in the " status '' ; and 5 ) There  are lots of DIFFERENT, CONFLICTING DATES on many of the accounts! This is all FACTUAL INFORMATION THAT IS VERY CLEARLY REPORTING IN EXPERIAN 'S VERY DATABASE! Yet, they have repeatedly responded refusing to investigate or even pretending to investigate while actually doing nothing at all. In fact, one of the creditors ( XXXX  XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX ) of an account I'm disputing even said in a letter to me dated XX/XX/XXXX, " ... we do note that the customer has submitted multiple credit reporting disputes via XXXX ... ''. Experian has been using automated systems like XXXX   and 3rd parties to " verify '' info, TOTALLY DISREGARDING MY DISPUTES, which is a violation of consumer law! They pass investigation off to the creditors WITHOUT DOING THEIR OWN INVESTIGATIONS and WITHOUT GETTING PROOF FROM THEM! And, they do what they did recently ( as well as a time or two before ), which is to COMPLETELY REFUSE to do anything. All of these tactics are not only absolutely ridiculous, but they're DANGEROUS and NEGLIGENT! My credit file and my time are not a game to play with! Again, I've attached the disputed accounts in a document and have included my SS card and ID. PLEASE EXPEDITE THIS DISPUTE!
Product: Checking or savings account

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX  I had cash in my account, along with personal credit cards associated with this account. Upon being released from my XXXX my accounts were closed and there were no funds available in my accounts. I informed the bank that there was no way that I could have made transactions at this time of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the bank with proof of incarceration and documentation illustrating these facts. However, the bank still has not released my funds and have denied my claim. The bank has defrauded me out of my monies and has yet to restore me back to whole after I have been disputing the charges extensively. Additionally, the bank fails to properly communicate with you during the dispute process, destroying my credit, transferring me around to extensive offices and the staff fails to take adequate notes ; whereas, you have to be redundant stating the same facts after being on the phone for hours disputing fraudulent charges.