23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division,  Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX  XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.
Product: Debt collection

I have been contacted by Transworld systems attempting to collect a debt that I supposedly owe XXXX XXXX XXXX. The alleged debt is {$37.00}. 

I have no idea what the debt is for and I would almost pay it just so the don't try to ruin my credit, but they do not even communicate what the debt is for or a reasonable way to pay the debt online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Reporting Agencies XXXX XXXX, Equifax XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to XXXX, Equifax XXXX XXXX with my demands after I file this complaint. 

Thank You XXXX XXXX
Product: Debt collection

I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference.
Product: Debt collection

Transunion refused to fix problem or speak to me and has put me around in circles with a large bureaucratic process that is not accessible or understandable to an average consumer. If they are going to earn billions then they need to have the manpower to address the millions of consumers that they represent. I need problem that even the creditor admitted to resolved as these situations destroy the lives of us regular people.
Product: Money transfer, virtual currency, or money service

I had 5 unauthorized XXXX withdrawal transactions from my checking and savings accounts with Bank of American on XX/XX/2022 on the same day. From my checking account 2x {$980.00} and {$400.00}. From my savings account {$980.00} and {$100.00}. The total of {$3400.00} fraudulent transfer transactions. 
I did not authorize these transactions, I dont know who the other party is, and did not loose my device or share my password with anyone. All transactions were from the same individual. 
I filed a fraud claim with BofA immediately and they investigated the case for 2 months. They initially credited my account with the total amount while investigating. They closed the case indicating that they could not find evidence and withdrew the total amount credited. They cited that they can not refund me the money due to insufficient evidence. the claim numbers are XXXX and XXXX. 
I filed a police report for identity theft in XXXX with the XXXX of XXXX, CA. I subsequently opened a new claim with BofA to start the investigation again. So far, its been more than 10 days that I have not heard back from them. 
BofA is not taking responsibility for these fraudulent activities despite the fact that XXXX is part of BofA. They do not warn consumers that they provide no protection. They can trace the account the transactions was made from and stop or re transfer. The response I got is there is not much we can do about it. I have spent hours on hold over the phone trying to get through their fraud department in order to speak to someone either to open claim or get status update. They did not send email updates on the status. If they can not protect their customers, they should not make XXXX as part of their operation. I have been a victim of identity theft and BofA is not taking any steps to take responsibility or any action to prevent them. This is unacceptable and BofA should be held accountable and refund my money. Thank you for your attention to this matter and I look forward to hearing from you. 
Regards, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be removed as soon as possible : XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance XXXX : {$6100.00} ; XXXX XXXX ( Original Creditor TEXAS XXXX XXXX ) XXXX XXXX Owed : {$980.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX home mortgage is missing and is not being reported on my Experian credit report, however is being corrected reported on my XXXX, XXXX reports. I have contacted XXXX XXXX and Experian multiple times, most recently date XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied credit today XX/XX/2022 due to Chex Systems reporting inaccurate, unverifiable, incomplete information under the account they maintain under my social security number. 

They are reporting an unpaid overdraft at XXXX Bank in the amount of {$220.00}. I challenge the accuracy, compliance and reportability of this listing. By their inaccurate reporting I am being denied credit and this must be corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got letter from Equifax about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file. 

How is that????
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

In accordance with the fair credit reporting act XXXX  account # XXXX in my XXXX and Transunion report has violated my rights. XXXX account # XXXX on my Transunion report has also violated those rights. 

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 an account without my written instructions.
Product: Debt collection

I closed an account with XXXX XXXX XXXX and returned my equipment to the designated location. My account was sent to collections after the balance was XXXX.
Product: Mortgage

My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. XXXX, XXXX, and Bank Of America are violating my rights as a consumer as well as federal laws. 

ACCOUNT : BANK XXXX XXXX XXXX {$XXXX}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$6100.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Transunion Name Removal Option XXXX XXXX XXXX XXXX, MS XXXX Re : Fraudulent Credit Inquiry To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

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 Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

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

I've been trying to get Experian and XXXX to remove this account on my credit report that's not mine. Please assist me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX XXXX website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit card

The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX
Product: Debt collection

My credit cards and wallet was stolen and used in Nevada I reported the cards stolen and filed fraud with my credit card company I was found not responsible for the charges and the charges were removed from my credit cards. This company allied collections has purchased the charge back and are trying to collect on a fraud charge. They placed it as a debt on my credit
Product: Mortgage

My problem is Ive tried to make a payment by phone, all three failed. It took me months of complaining to find out in an email, Quicken/Rocket used a QL  account that I set up at the beginning of the loan in XXXX. I havent used that account in five years and dont remember the password. The point is I never said to use that account, why else would I read off the routing and account numbers? And why didnt they tell me they were using the QL account? Or at the very least verify the numbers? The last time on XXXX, XXXX XXXX ; I was specific to tell her not to use the QL account, but use the numbers I read. But again she used the QL  account I said not to use. Did not verify the numbers or even tell me that she was using the QL  account. Quicken knew the numbers were not correct according to their own email on XXXX. My question is : can Quicken legally lie to the customer and not use the numbers given? In all three times, I was lead to believe they were using the routing and account numbers I gave. Why else would I read the numbers? I feel my rights have been violated by Quicken and am asking for advice. They want me to pay the two late fees of {$35.00}. Had Quicken used the numbers I gave we would not be here. I have asked for the transcript of the phone calls, but they have not shown any evidence at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

2019 repossessed 2019 charged off been reporting since XXXX XXXX charge off with a past due balance charge off cant report as past due since debt is charged off
Product: Debt collection

The basis for my dispute is SANTANDER company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX, XXXX, and Equifax and disputed inaccurate information that is being reported on my credit file and I have received no response.
Product: Mortgage

I applied for the Covid19 relief for 3 months, but I actually made a payment the same month I applied and they did not extend my month. My mortgage has become frozen. I just made my first mortgage payment and my balance is not updating correctly, payment shows unapplied, I can not pay more principal, I have asked for the name of my HUD caseworker and the status of my case with HUD to repay my 2 months, all of my questions are IGNORED REPEATEDLY. This bank is a scam. I need answers to whats going on in my case. I repeatedly get disconnected. They always state they are going to follow-up and their email responses are just robotic and do not address any of my actual concerns.
Product: Credit card

After XXXX complaints against Macys in XXXX, both resolving in closing my account and paying me, I received a replacement credit card in the mail on XX/XX/XXXX. I did not request this card and have not had an account with them since XXXX per the prior XXXX resolutions. Macys sent this card to an address that they never had on file. XXXX of the letters they sent me even references the fact that my account was closed.
Product: Checking or savings account

I opened a Wells Fargo checking account on XX/XX/2024 with an account opening promotion code that promises to reward {$320.00} to my account should I meet the requirement of setting up a direct deposit and receive more than {$1000.00} direct deposit over 90 days upon account opening. I met the requirement but they didn't pay me the bonus because they say I don't have a Social Security Number. But the fact is that my banker did not tell me that I needed to put in my SSN to get the bonus. She even received an internal email about the abnormal status ( lack of XXXX ) back in XXXX but didn't tell me anything. It is not my fault that I didn't put in the XXXX. On XX/XX/2024 when I went back to the branch to ask my banker why I never received the bonus, and only until then they told me that I needed to submit the SSN to receive the bonus, which I did submit on the same day. After a few rounds of communication with their Escalation team, I was told that their promotion team can't pay me the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending Equifax & XXXX  information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my XXXX  & Equifax Credit Reports and after finally receiving the XXXX  report, it would not allow me to proceed to receive the Equifax report. 

Then it wouldn't let me back in to get the Equifax report saying that it was no longer available online.