23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had received a " robo '' call at the end of XXXX and was asked to review my current loan. I firmly rejected that because I was not interested and was in a hurry to get on my way to a family event. My current service with Rocket Mortgage has been very good until that phone call. 

On XX/XX/XXXX I received an email that thanked me for applying for a home mortgage. On XX/XX/XXXX I talked to XXXX to complain that I had not applied for a loan and that I was enraged about being rejected for a loan for which I had not applied. She assured me that my XXXX XXXX was not affected and that the response was marked inappropriately as a denial. She apologized. I asked for a letter confirming that error and stating that I did not apply for a loan. 

I have now received a letter that says the same thing the email did -- I have been denied a loan. Indeed this is a hard time for mortgages, but I seem to be caught up in a telephone marketing snafu. I think these phone contacts are marked denial because of quotas that the callers must make. I want my XXXX XXXX protected and do not want to be placed in this position again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

I have a dispute with Bank Of America. And the total amount is {$10000.00} for my dispute ( total XXXX transactions that was not authorized by me ). At first the bank credited me all amount {$10000.00}. 
And then XXXX  months later when they looking at XXXX transactions I disputed. They sent me a Letter said that duplicate resolved The bank took {$5600.00} from my account and bring my bank to negative balance. All my bill was returned because their mistake. 
I called so many time to resubmit the claim and reinvestigate my dispute but they refused my request. They dont want to fix their mistake.the main thing here is : There are XXXX translations in total. All different confirmation numbers on the statement but there are some transactions have the same amount so they was confused and they took out XXXX transactions with amount {$5600.00} out of my account with the reason duplicate transactions but its not true. Took money out my account without let me know anything happened?? XXXX weeks later They sent me a letter said disputed resolved : and its showing the amount is {$10000.00} but the true is they only credited me {$4900.00}. 
With their mistake I lost my {$5600.00} in my checking account. I need help please! I work so hard to save money. Please some one can help me take my money back from BOA please. I have been their customer for XXXX years. I am so disappointed I cant believe they can do that to me.please help me. Please helps me get Justice! they are inefficient and do not respect customers.they don't correct mistakes, they don't care about customer loss I lost {$5600.00}. I need get my {$5600.00} back. 
I hope someone on here can help me and let BOA know about all this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX had a data breach whereby XXXX XXXX XXXX personal data was stolen. I was never notified of the breach nor had an opportunity to participate in any remedial activities to further protect my data. I learned in 2022, after trying to obtain high speed internet service at my current address that there was a charge off account for {$1100.00} placed on my credit report by XXXX XXXX XXXX. After discussing with the XXXX XXXX XXXX representative and confirming I never lived at XXXX XXXX XXXX XXXX XXXX GA, the representative charged my XXXX {$1100.00} without my knowledge. My CC company sent an alert, and I immediately canceled my card. The debt has been sold to XXXX XXXX  who called and harassed me about it, and it it now with RADIUS GLOBAL SOLUTION. After submitting a letter through XXXX somehow the information collected from the debt collector was accepted by XXXX as valid. RADIUS GLOBAL SOLUTION is trying to collect {$4100.00} for this debt that I have no knowledge about nor have ever lived in the state of GA where this fraud occurred, furthermore I believe XXXX is liable for the loss of my identity and I should be compensated for the 2 years I have been trying to get this resolved as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request to experian to remove a report of a   XXXX   XXXX   on my credit report.   I have supplied them with a letter stating it is released.   I gave this same information to   XXXX   and it was removed.   I have requested the correction from Experian twice and no resolution or response.
Product: Checking or savings account

My direct deposit unemployment benefits were deposited to Alliant Credit Union via ACH on XX/XX/2020 but the financial institution is not making the funds available to me. In fact it appears they are doing this on purpose to earn additional interest on those funds. There's no acceptable reason that my ACH was not posted to my account by the morning of XX/XX/2020. I intend on taking any and all legal recourses if we can not resolve this issue immediately. You all have NO RIGHT to hold my funds which are electronically provided to you. I expect swift action in response to this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian. I am not getting alerts for changes on my credit file which is what the membership is for. I called in XX/XX/XXXX, and never heard back. I have heard it is because the rep closed the trouble ticket instead of leaving it open to be worked on. I called back 2 days ago and was assured it would be escalated and I would hear back yesterday. I did not. I called today and talked to a supervisor who said the rep was wrong, it will not be in 24 hours and she has no idea when it will be worked on or corrected. Since the one from XX/XX/XXXX was closed, I have to get in line with everyone else as of XX/XX/XXXX. I have not received any reimbursements for paying all these months and not getting what I'm paying for. I also recently changed my plan and they put me on the wrong plan which caused me to have to call back, get charged and refunded multiple times.
Product: Credit reporting or other personal consumer reports

It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document attached.
Product: Checking or savings account

Ive been with Wells Fargo for some time, but every single year I learn Wells Fargo is a repeat offender in overcharging and taking money. In 2020 they had to give me a check of over {$200.00} for their overcharging. Even now I had an issue depositing my money into my account when it went into XXXX and they offered a grave period which ended up still charging me. They rearranged my payments also in order to try and get my account deep into the negatives even though I had funds that covered my expenses. So the rearrangement ends up setting me into negatives.
Product: Credit reporting

i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed
Product: Credit reporting

I have contacted Experian regarding an inaccurate bankruptcy chapter XXXX on my credit file that is reporting inaccurately. I have contacted bankruptcy court. 
Experian has not contacted the court yet experian has verified this injurious tradeline. 
I have disputed the bankruiptcy and have sent XXXX method of verifications article numbers ; 1 ) XXXX ( Date XXXX/XXXX/2016 ) 2 ) XXXX ( Date XXXX/XXXX/2016 ) 3 ) XXXX ( Date XXXX/XXXX/2016 )
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 
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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX Inquiry Date : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. I was never late on this account and never missed a payment. Please update it immediately on my file. 
XXXX XXXXXXXX Balance Owed : {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX  and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give these companies permission to run my credit
Product: Debt collection

I sent a debt validation letter to EOS CCA, Inc on XX/XX/2021. I have yet to receive a debt validation letter stating that I owe a bill with XXXX XXXX. I made a complaint with the BBB and they stated that they will cease all collection efforts until XXXX XXXX sends the information to them. It has been over a month and XXXX has not updated EOS CCA nor have they mailed me any information. I do not own this debt and I want it removed from my credit report. The amount is for {$2200.00}.
Product: Checking or savings account

have opened Discover Bank online savings account. When I have a problem crediting opening bonus to my account, I contacted the bank and XXXX XXXX XXXX, was assigned to my case. While at the outset he was attempting to help me resolving the problem responding to my XXXX letter, he then suddenly stop communicating with me and I was unable to reach him on the phone. I have left numerous messages, all of which have gone unanswered. Then I sent two letters in XXXX and XXXX which brought no response. I entrusted all my savings to Discover Bank and I should be able to get help when I need one. I discussed my case with an attorney who has explained to me that Bank is contractually obligated to credit {$100.00} to my account. The bank had an offer an offer which provided for {$100.00} bonus when I apply for first online Savings account by XXXX/16 and depositing at least {$15000.00} by XXXX/16. I am only XXXX and I did not have much experience with bank codes in my life. The fact that I did not enter the proper code code is immaterial. The code does not affect the terms and conditions of the unilateral contract that was created when I opened the account and made the required deposit. The bank employee should enter a credit manually if my code was wrong. I otherwise complied with the offer, fulfilled all my obligations to qualify for the bonus, kept and continue to keep all my lifelong savings on my account.
Product: Credit card or prepaid card

On XX/XX/2019 I made an uninformed decision when I entered into a consumer transaction with JPMCB CARD SERVICES. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. As a cause of this the account ended up becoming a charge off and So now this account is reporting as a charge off on all my credit reports. I have disputed this account several times because JPMCB is not following the law. They have continued to keep this account on my credit report causing me emotional distress, denials, embarrassment, humiliation, and worry. Because of that I have reached out to JPMCB CARD SERVICES one last time sending them a certified notarized letter via usps tracking number XXXX. Also I have uploaded the letter to this complaint as well as a denial letter that I received due to this reporting. Per IRS publication 4681 canceled/charge off debt ( s ) are to be reported as income on form 1099c. By law JPMCB CARD SERVICES cant report their debt on my consumer report. According to the IRS a charge off is supposed to be INCOME. A charge off cant be reported as both income and debt. Why are they reporting income on my credit report?
Product: Mortgage

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i notified the legal department of XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Debt collection

I attempted to pay my Best Buy debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form. Im currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Best Buy account to show a balance of {$0.00}. 

Thank you for your time!
Product: Mortgage

I discovered the Assignment of Mortgage executed on XXXX XXXX, XXXX and recorded/filed XXXX XXXX, XXXX on our loan was robo-signed by robo-signer XXXX XXXX. Please see enclosed Assignment of Mortgage. XXXX XXXX XXXX was not an employee ( Assistant Secretary ) of XXXX ( XXXX ) on the date of XXXX XXXX, XXXX. XXXX is a shell corporation with [ n ] o employees and XXXX did [ n ] ot exist on XXXX XXXX, XXXX. In fact, XXXX, has been publicly out of business since XXXX. Please see enclosed document for verification and confirmation from the Federal Deposit Insurance Corporation. Robo-signing is illegal and has been outlawed in the State of New York. It appears the attached Assignment of Mortgage, was manufactured and prepared by the XXXX, the enclosed Assignment of Mortgage shows a XXXX Trust - and a fraudulent assignment in XXXX - 9 years AFTER the Trust had CLOSED! 
Trust documents are explicit in setting forth a method and date for the transfer of the mortgage loans to the trust and in insisting that no party involved in the trust take steps that would endanger the trust 's XXXX status, if the original transfers did not comply with the method and timing for transfer required by the trust documents, then such belated transfers to the trust would be void. The Trust itself can not hold ownership of the note because of its tax-preferred XXXX status. 
New York 's XXXX has erected an impenetrable legal barrier that prevents the Bank 's trust from acquiring a purported note and mortgage after the Trust 's closing date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to an XXXX XXXX Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by XXXX and my credit score drops 160 points for a credit card default of {$15000.00}. I call XXXX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that XXXX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. XXXX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft. I mailed Experian a notarized letter on XX/XX/2024, that was received on XX/XX/2024 via certified mail, with all of the required documentation. On XX/XX/2024, Experian responded by mailing me a copy of my consumer report, in which the accounts that I listed as being the result of identity theft were still on my consumer report, and still indeed remain on my report. ( See evidence ) Reference : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following accounts are a result of Identity theft and was not initiated by me : XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX ( See evidence ) The following inquiries are a result of Identity theft and was not initiated by me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See evidence ) Experian did not block and delete this information within 4 business days .

Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.