23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Federal XXXX judge denied Bank of America motion to dismiss my wrongful foreclosure adversary and clearly ruled that Bank of America and XXXX XXXX XXXX were untimely initiating foreclosure on XXXX 
The judge has made a very detailed finding of fact, with day by day accounting, that clearly shows that Bank Of America and XXXX XXXX XXXX untimely initiated nonjudicial foreclosure. 
The attorneys/parties to that litigation did not appeal the courts decision, and under this court order and the doctrine of Stare Decisis they can not restart the same foreclosure without a court permission. 
The state court is bound to the federal court decision. 
The attorneys and their law firms are liable if they ignore federal court ruling and a finding of fact by a federal judge if they intentionally untimely initiate foreclosure. 

On XX/XX/XXXX attorney XXXX from XXXX XXXX foreclosure XXXX and attorney XXXX from XXXX XXXX foreclosure XXXX restarted the same untimely foreclosure and recorded an irregular Amended Notice of Default explicitly stating that it is solely for the purpose of setting a new sale date under the previous Notice of Default recorded on XX/XX/XXXX that was ruled to be untimely by this courts XX/XX/XXXX order denying the defendants motion to dismiss the wrongful foreclosure adversary. 
And, also recorded in violation of the XXXX automatic stay that is still on. Even though the XXXX was dismissed on XX/XX/XXXX it has not been closed, and it is still active and Bank of America attorney has just filed an objection to the XXXX Trustee Final Report and theres no court order lifting the stay. 
The same defendants attorneys that were personally present in all the hearings in which this court clearly stated its serious concerns about their untimely filing of the XX/XX/XXXX NOD ( calculated by this court to be untimely as of XX/XX/XXXX ) brazenly filed again under the same NOD on XX/XX/XXXX thinly veiled Amended NOD, without providing any Alaska statutory support.
Product: Credit reporting or other personal consumer reports

While I was in college, my dorm room was broken into and my personal information was stolen and my credit was used fruadulenty. I have file a incident report with the police and my university. Equifax has not helped me solve this issue. I am requesting the following accounts to be removed from my credit report. 


XXXX XXXX XXXX opened : XXXX XXXX, 2020 XXXX XXXX opened : XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to challenge XXXX and TransUnion as to factual incorrect information they each reported. I attached factual records. They completely ignored the question and the did not in either investigations attempt to rectify and inaccuracies. I will attach both the dispute responses. And in those previous challenges you will find the other attached records that factually disprove their reporting and how even in their responses willful illegal activity and reporting willful violations to harm my character and reputation. I DID NOT ASK THEM TO PARROT INFORMATION already disputed incorrect information FROM THE CREDITORS. I ASKED EACH TO EXPLAIN WHY THEY WILLFULLY REPORT INACCURATE INFORMATION I PROVED TO BE INACCURATE. So neither agency handled with the investigation properly and neither answered my challenges. Who is holding them accountable?????? 

XXXX is willfully reporting account as charge off monthly Trans union willfully parrot the incorrect information they receive to harm me. 
Along with many other inaccuracies they CAN NOT 100 % verify. 

I did not give either agency my written nor verbal consent to report publicly any of the account I challenged. 

I ask that they follow the law and that they be held accountable for damaging my life and ability to find a place to live. They are violating my privacy and due to their lack of investigation they are doing so willfully. Attacked is the previous CFPB complaint that will still have all the attached questions and challenges. A reinvestigation is supposed to not parrot incorrect information and inaccurate accounts. THATS EXACTLY WHAT THEY DID BY THEIR own ADMISSION in the first response in the challenge through XXXX THEY said they simply asked to original creditor. They admitted to parroting which is against the law and FCRA when conducting a reinvestigation. They are to conduct a reasonable reinvestigation. And use all relevant documents given by the consumer. They did not and therefore willfully broke the law. I want all challenged information. Removed. Attached also are the original credit reports proving the inaccurate information and reporting. Lastly, attached are the original complaint in word document.
Product: Debt collection

I have collections account reported by ARS Account Resolution. The original creditor for all of these are   XXXX   XXXX   XXXX   XXXX  . I have not obtained validity of any debt or any communication from the original creditor. I have had insurance during this period. I have tried calling the original creditor and have not been able to get in touch with someone that can assist me. I do not know who this company is and what services I am being asked to pay for. This has been on my credit report for some time now and I was not aware of this organization.  <P/> Date of Delinquency : XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$610.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$910.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$1000.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$610.00} Thank you!
Product: Credit card

On XX/XX/XXXX when my payment was due with Target I made a monthly payment. I later found out I was charged a late fee because their system takes 24 hours to process a payment. The Late fee was {$30.00}, I called and the person checked and saw that my payment was made on the XXXX, the due date so it was not late. I had to ask for him to remove the late fee because I did not make a late payment. Most banks will not charge a late fee if you make a payment on the due date. 

XXXX rolls around and I get my Target statement and see another late fee of {$33.00}. I checked and realized that I did not receive a statement in the mail for the previous month, that seemed a little suspicious. That day ( XX/XX/XXXX ) I received the statement I made a payment online less the late fee.I called and was able to get the second late fee removed. I was told that Target allows to late fee removal as a courtesy and that just ate up mine. 

I have some issues with all of this. Why are customers being charged a late fee when they make a payment on the due date? That should not be allowed. On my statement I see the late fees where added on the XXXX of XXXX and XXXX. Those are my due dates so if I am late they should show added on the XXXX, again really suspicious. 
Also, the first late fee was not my fault so why should that use up one of the two late fee removals?? I have never had an issue with my mail delivery so it seems again, suspicious that I did not receive a statement in XXXX. Feels like it was done so they could charge my another late fee.
Product: Credit reporting

Experian has an address that does not now and has never belonged to me. In other words, I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Best Egg of their violation of my consumer rights and requested that they correct their improper reporting of my account with them. They sent me a response informing me of their refusal to comply with consumer law and in their letter to me, they claim that their written agreements and policies shall remain enforced regardless of what my rights are or what the law says. 

They are in direct violation of FCRA 15USC 1681a 2Ai and 5. 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Product: Checking or savings account

I just opened a business account with Capital one bank, and it just funded this week with my first contract payment. The other day I opened it to see if the money settled and I got an error stating that I can not see my account and they are " working on it ''. Today I checked again and got the same message. I tried to call automated banking, and use quicken to update the account information and I am blocked everywhere. I called Capital One and they told me " It is an ongoing issue '' and refused to elaborate and give me any idea when my own money was going to be accessible. How can I run a business with no money and no help from the bank? They have no way of emailing or chatting, and the people on the phone refuse to help.
Product: Student loan

I've been struggling to make payments for decades, exhausted all hardships and deferments and income-based calculation that Ed Financial comes up with are way too high. Last year I was making just over $ 20/hr and my payment was $ XXXX/mo, this year I'm at $ XXXX/hr and they are quoting me over $ 300/mo. This payment suck into the monthly reserves and forces me to abandon by 401k deferment entirely. I'm XXXX-years-old, married and the father of XXXX small children. Ed Financial has been less than helpful and in most cases rude and antagonistic on the phone. Seems like they have no solutions, only. bad news and keep saying " there is nothing we can do. '' My wife and I have considered leaving the US for XXXX, turning our back on the loan to start life anew. How sad it is that a man who has spent his entire life in the service of others ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX and finally XXXX XXXX ) has to actually consider leaving his country of birth with his family in order to escape the burden of this debt. The fact is that - in my lifetime - I will never be able to pay off this loan. My family can't take a vacation or even dream about home ownership because carrying this loan is like a mortgage unto itself. Doubtful that anyone other than another in my situation will care to read or champion for me and my family, but here it is just the same. 

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

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX  XXXX XXXX...
Product: Debt collection

I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
Product: Credit reporting or other personal consumer reports

This account is being illegally reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to ensure accurate reporting.

15 U.S.C. 1681i Failure to conduct a proper investigation upon dispute.

15 U.S.C. 1681s-2 Furnishing false or misleading information to credit bureaus.

Despite a settlement agreement requiring non-reporting, this account remains on my credit file. This is unlawful, damaging my credit, and must be corrected immediately.
Product: Mortgage

My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.
Product: Checking or savings account

Contacted by a man who said he was from XXXX Fraud & Theft division said my phone was hacked into & if I have mobile bank  apps to check the accounts. I checked everything at the time looked okay. I checked again later and a XXXX XXXX  transaction was made not by me to a person I dont know. I never ever made a XXXX transaction of any kind. I notified PNC bank, they told me to change my password & thell investigate. 2 days later I received a letter from PNC that an investigation was made and the transfer was valid therefore my dispute is declined. I looked up the person the money was XXXX to it was an XXXX American girl in XXXX, Florida. I do not know anyone in Florida and I did not make this transaction. I disputed the transaction again. Again i received the same response from PNC. Again I filed a disputed that I DO NOT know this person and did not make this transaction. Again PNC denied the dispute. They did not provide proof of the investigation that the transaction was valid. This is not acceptable so Im disputing again. I will not give up because {$990.00} was stolen from me which is a lot of money as Im SS XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company directly and the calls were recorded requesting a deferment extension. Originally the extension was to end XX/XX/XXXX. I contacted the company prior to that time and the extension was sent to extend until XX/XX/XXXX. 

The representative was recorded on my end as well and never processed the extension in time even though they sent me a letter confirming this was done. This resulted in a late payment being reported by Bank of America, my score dropping and then they closed the card because now they claim I am no longer eligible due to the score drop. 

This is highly unethical and bad business. I've called and told it would be resolved yet it hasn't. I just to get my credit report corrected and showing properly without the late payment showing so I can move on with my home buying process.
Product: Checking or savings account

the bank withdraw funds from my account but did not provided any information or description to me about the withdrawal. the statement shows withdrawal but i never withdraw those funds. second transaction shows online dispute but i have not received any information regarding any dispute. bank failed to protect my funds and provided no documents regarding any disputes and withdrawals. 

XX/XX/XXXX Withdrawal XXXX XX/XX/XXXX Reverse Credit Due To Online Dispute XXXX
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 XX/XX/year>
Product: Debt collection

XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
Product: Debt collection

There was a creidit card opened in my name with false address. It is.now in collection with MIDLAND CREDIT MANAGEMENT INC for {$660.00}. I have tried to contact the company with no help but got talked to terribly by customer service. I filed 2 disputes now and they keep denying.