23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview Loan Servicing foreclosed on my home of 16 years on XX/XX/2018. They locked me out of my home in XXXX, without notice, because I was unable to live there due to damage from hurricane Harvey. They stated it was an abandoned home, although Bayview was well aware of my situation. 

I had an as-is cash buyer who wanted to close on XX/XX/XXXX, but Bayview refused to pull my home from the sale. They had stated it was up to the foreclosure attorney, which turned out to be false. The day of the sale, I was advised it was because the contract has to be provided to them 10 days in advance, but this had not been communicated to me. There is a long list of lies ( Bayview refers to it as they miscommunicated to me ), but it's a moot point right now. 

Bayview refuses to provide me with the purchaser information so I can retrieve my personal property that was not damaged by the hurricane. Besides some clothing, collectibles and unique furnishings, there are urns with remains, legal and tax documents, etc. There is also my vehicle. I am 500 miles away, have several health issues and restricted driving, so it isn't as if I can just hop over and get everything. 

I advised them I would be filing complaints over the handling of my foreclosure and the missing items after their people went in and locked me out pre-foreclosure and was told to call the police!
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries listed on my credit report and I have reached out to the companies and they can't be verified. I've reached out to Equifax on numerous occasions and asked Equifax to remove the inquiries and they're refusing to do so. All of the inquiries that are unauthorized happened in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from transunion to dig further into why I may have  not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from TransUnion on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Product: Debt collection

On XX/XX/XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of account for XX/XX/2022 from XXXX XXXX XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXXXXXX XXXX account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Product: Money transfer, virtual currency, or money service

i tried to transfer money from my PNC bank aacount to my XXXX investment account, PNC keep mentioned that i'm not allow to transfer my fund to unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX CREDIT ACCEPTANCE CORP per statue 15usc these items are reporting in error. 






Account number XXXX XXXX
Product: Credit card

I have been asking to update my credit rebort since XX/XX/XXXX and that dos not happend yet and this problem effect my life seriously and but me in pad saturation It is showing high usage but i did payed it off from more than 2 month ago
Product: Credit reporting or other personal consumer reports

Money was stolen from me via cash app XXXX XXXX XXXX Account was hacked and information was stolen
Product: Checking or savings account

On XX/XX/year> I attempted to make a payment of XXXX to the Az Department of Motor Vehicle. The transaction came back declined by the AZDMV. The checking account with Credit Karma shows it's on hold. I contacted the DMV who confirmed the transaction did not go through. On XX/XX/year> I called credit karma customer service. They would not provide me with any identifying information for the person I was speaking to. They refused to provide me with details about the transaction. I requested proof of the transaction, amounts, where it was being sent, expected reconciliation date so that I could provide it to the dmv. They refused. They indicated that the money would be held until XX/XX/year> and if it wasn't resolved before then I could open a dispute. I asked to speak to someone who could assist in details or provide me with more information or a report on the transaction and was declined. There was no accountability by staff, there was no assistance, there were no details given, there was no proof of the transaction provided, they refused to assist in returning the funds to my account, they couldn't provide a name/department/contact for who the " email only '' escalation team was, there was no identifying information for who I was speaking to on the phone, there was no manager I could speak to and no explanation for why there isn't a manager. The person I spoke to said they are the highest person in the organization and could not assist me nor could I speak to anyone else. They cited " process '' multiple times in response to my requests to speak to someone else or gain access to information on the transaction, the " process '' being that they can not assist in any way other than to email my complaint to an unnamed " escalation team ''. 
The case # XXXX ( if that's truthful )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Checking or savings account

I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( XXXX ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. We appreciate your patience throughout the dispute process. Cash App Support ref : XXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.
Product: Credit card or prepaid card

on XXXX around XXXX est I called synchrony because I kept getting my date changed wrong. First, they changed the due date when I asked for the statement close date. Then they changed the statement close date to the XXXX when I asked for it to be on the XXXX. 

an agent kept saying call in during the morning. I kept telling him that calling is hard due to a XXXX ( XXXX ) and needed reasonable accommodation to have him send a secure message. Eventually, I got passed to an agent that took the extra 5 minutes to understand what I was saying. 

Having an agent just refuses to do anything when I need extra help due to a XXXX that hurts my ability to communicate is discrimination. I asked for a reasonable accommodation. He just kept telling me to call back. That isn't helping. That is discriminating by ignoring a XXXX case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSOLIDATED XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER EQUIFAX XXXX OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Product: Checking or savings account

I have been back and forth with both  XXXX   XXXX  and USAA about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.
Product: Debt collection

I switched my cell phone provider from XXXX to other phone carier more than five years and the only way XXXX would have allowed me to move to another provider was to paid the amount that I owed at the time which I did or else the transfer of my phone services to another carier would not have taken place due the campany policy. A customer who owes must pay before a transfer of services is done.
Product: Debt collection

I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED THAT XXXX XXXX PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX  AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. XXXX  has the police report and refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reporter the identity fraud to the XXXX XXXX  on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.
Product: Credit card or prepaid card

I have 2 credit cards with Santander bank which were under forbearance due to a reduced income due to Covid. The cards were under forbearance for 6 months after which time I requested an account review because I was no longer to afford the payments due to a continued reduced income. I was told the accounts had to go 45 past due before I would be helped. After this time, I called and spoke to a Representative with whom I gave all my monthly expenses ( and who also told me I did not have to wait 45 days to go past due ). After this calculation, I had about $ 600 month left to pay these 2 cards. However the Representative told me her system was showing that I did not have enough money to pay them every month ( which is true at a 20 % interest rate which was why I was trying to get the interest rate reduced- all of my other creditors have reduced the rate to 0 % and/or reduced the amount owed ). If they had used a lower interest rate I would be able to pay them which was the goal of my call for the workout plan to begin with. She told me I could continue paying but that there was nothing they could do to help me reduce the payments/rate and that the 2 accounts would Charge Off after 180 days. I was shocked that the bank was taking this position, so I contacted an Attorney to try and reason and negotiate a lower payment but they still declined any offer to help, despite our Good Faith attempts. We were told the bank would rather take the Charge Off than lower the interest rate.
Product: Credit reporting or other personal consumer reports

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others.

( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately.

The following inquiries are not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

No action has been taken I bank with Wellsfargo bank for over a year now I was a victim of identity theft they close my account and reopen a new one without my knowledge and a phone number was link to my account with my knowledge I have many transactions that where not mine still have not got my money back but refuse to help me XXXX XXXX XXXX is another company thats was taking money out of my account without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to open a credit card so I could start my credit score because previously Ive never had one. I was told I had a XXXX Card with my SS number on it and it says that I have terrible credit because of that card. Ive never had a target card or any card. I called XXXX and they said my mother had put me under her name without my permission. My parents then didnt make payments to the card and now I am stuck with bad credit when I wasnt even aware. She open the card in XX/XX/XXXX and then took me off this XX/XX/XXXX. I was unaware of being put on or taken off of the account and I have bad credit because of other peoples actions and without my consent. I want that card action to be removed from my credit score. I did not contest to have that card nor the consequences that came because of it.
Product: Mortgage

I currently have a mortgage with PNC. I'm continually being sent letters for non payment. The bank seems to purposely either not process the payment or is losing it. It has taken them on my last payment an extra 18 days to process a payment. It seems they are in the business of purposely making my payments delinquent. I have all the dates of when payment is sent. I have always paid this the same way since the beginning of the loan. Now there is always some confusion with their system. There is a example of a payment that was from XXXX that should be applied to XXXX and they still have not completed this payment.
Product: Debt collection

No notice of collection was sent. Suddenly appeared on my Credit Report.
Product: Debt collection

I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have 2 accounts with XXXXXXXX XXXX XXXX and mistakenly paid one twice and missed the other one for XXXX. when I called XXXX they offered me a payment plan with reduced interest for the 12-month plan duration. Although I was on the payment plan and made my plan payment as agreed i was then report first 30, then 60 days late. I called XXXX WHO insisted they reported accurate and since my payment plan amount was not enough to coverage the amount that was behind I would continue to be reported late. however, I was never told this when I went on the plan ( XXXX ), and I assumed since I was making payments I would be reported as " paying as agreed ''. That did not happen because my plan payment amount of {$290.00} was less that the regular payment amount of {$450.00}. I also question how I became 60 days late when there was clearly not ever 60 days between payment. for example, I paid {$450.00} in XXXX. missed XXXX. but paid the {$290.00} plan amount in amount in XXXX. and {$880.00} in XXXX. and my account still reflects 60 days late and {$290.00} past due although my account say current with no money due. i also was not told at when I was offered the plan that i would be reported late to the credit bureaus and XXXX XXXX XXXX explained to miss they can not discuss credit consequences that may occur while on the plan