23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Open XX/XX/2019, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN XXXX NOTIFIED POLICE ABOUT MY INFORMATION BEING STOLEN, RECENTLY I WAS NOTIFIED OF FRAUDRUALENT TAXES FILED UNDER MY INFORMATION, XXXX ALSO NOTICED THAT MY INFORMATION WAS USED TO APPLY FOR CREDIT ACCOUNTS AND SEVERAL LOANS UNDER MY PERSONAL INFORMATION.
Product: Credit card

I am writing to express my concerns regarding Synchrony Bank/PayPal 's recent decision to decrease my credit limit from {$13000.00} to {$7800.00}. This change occurred after I paid off one of my credit cards with a different company. I was unaware of a {$16.00} interest charge from that company, as they did not contact me by phone or mail. Unfortunately, this led to my account becoming 30 days past due. 

I only discovered this situation when I received a credit alert indicating that I had a past-due account. As a result, my credit score dropped from XXXX to XXXX, which has been a significant setback for me. 

I have been a loyal customer of Synchrony Bank/PayPal and have never missed a payment in the history of my account. I have always made timely payments, and I do not believe my credit limit should have been decreased without considering my overall payment history. 

Therefore, I am requesting that Synchrony Bank/PayPal review my account and reinstate my credit limit to the previous amount of {$13000.00}. I have worked hard to establish my credit line, and I believe this situation is unjust. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I went under contract on a home with a XXXX XXXX home on XX/XX/19. I applied for a loan and was prequalified through DHI Mortgage ( Company NMLS # XXXX, Branch NMLS # XXXX ), their lending company. 

I received a loan application about a month later, but my finances had changed. I informed the current loan officer, XXXX, NMLS # XXXX, that my current financial position is not the same. I have also informed XXXX XXXX, the sales representative. I have asked them both to update the loan application because I will not sign for a loan that I don't qualify for. I did the right thing and disclosed my current financial position. XXXX XXXXXXXX and DHI Mortgage are trying to force me to apply for a loan with incorrect information because based on the inaccurate information, I qualify for the loan. They will not update the information in question, and are telling me I have to withdraw from the contract and forfeit my $ XXXX earnest money. 

I have requested several times to have the loan application updated, and they keep telling me they will not update it because based on the old information I still qualify. I have explicitly stated that I am aware that misrepresenting finances on a mortgage application is mortgage fraud. They are refusing to update the information and refusing to refund my earnest money, because I'm unwilling to commit mortgage fraud.
Product: Mortgage

I am tired and sick of Chase and Chase Executive office who keep playing games with my modification application. As of XX/XX/XXXX I was forced to re apply all over again since Chase told me that my application for loan modification was never reviewed. 


I re apply for the loan modification and now they are telling me that my application was removed for modification because the underwriter called me directly on XX/XX/XXXX and I refuse to accept the trial payment agreement. 

Now Chase is refusing to return my call, I called today and I was told the point of contact XXXX XXXX p. XXXX ext XXXX Manager XXXX XXXX are out of the office on vacation and they will not return my call until 1 month from now. 

There is also an executive office representative assigned XXXX phone number XXXX who is not in the office and doesn't have any information about my case. 

This is unacceptable since Chase has been playing games with my home since 2 years ago. It is convenient for Chase to keep playing games because my mortgage is adjustable and negative payment. 

Which it makes senses now that Chase keeps playing games with my home and keeps delaying my loan modification application. 

XXXX XXXX XXXX
Product: Debt collection

First Financial Asset Management did not notify me of their intent to attempt to collect a debt. They are not the owners of this debt, and I have no contract with them.
Product: Mortgage

I experienced financial difficulties and was denied a modification with Caliber mortgage. I then requested a Short Sale to avoid a foreclosure. In addition the HOA payments were late and the HOA was suing for payment and the City of XXXX XXXX XXXX lien refused to assist and advised that they would rather foreclose due to lack of manpower in their office. While we were in the Short Sale Process, the negotiator advised that we had a foreclosure sale date of XX/XX/XXXX. Caliber 's representative advised our agent on XX/XX/XXXX that she needed to have the HUD1 updated to reflect changes necessary to approve the short sale and thereafter we would have XXXX days to negotiate with the HOA and XXXX lien. Our agent complied. However, once we filed the Ch XXXX BK, our agent was advised they needed a Court Approval for the Motion to Sell. Our attorney advised that we would need an approval from the Lender to request the Motion to Sell as is Customary. Our agent also consulted with the Lender 's BK attorney regarding the situtation to find out why they were requesting the Motion to Sell before receiving the approval from the bank. The paralegal at the Attorney 's Office XXXX XXXX XXXX advised that there must be a confusion and was going to check with the Bankruptcy Department at Caliber. Also, the Negotiator at Caliber keeps telling our agent that their is a Foreclosure Sale date up for XX/XX/XXXX, while the paralegal advised that the sale was on hold. It appears that the lender may not be adhering to the BK rules? I was also advised that per the bank, I had to resend the offer we currently have within XXXX days of the foreclosure date to be able to review in order to avoid a foreclosure. This does not make sense at all. Additionally, we requested a HAFA short sale and the same negotiator advised at the onset that we could not do a short sale via HAFA, yet they participate in the Hardest Hit Fund Program. This loan was originally an FHA loan and then apparently transferred to a non FHA loan when the loan transferred from XXXX XXXX XXXX to Caliber Mortgage. Furthermore, our property had roof damages and I filed a claim XX/XX/XXXX. The check was sent to us with the then lender XXXX XXXX XXXX 's name along with ours. We were advised that because we were in financial hardhip it had to be done this way. Again, this did not make sense as we could not cash the check at XXXX XXXX XXXX. Finally a letter was sent to XXXX XXXX and what occurred next was unimaginable. We were asked to send them the {$5000.00} check for damages apparently so that we would get a replacement check without having them on the check so that we could cash it. All this time we were trying to work with the insurance adjuster and he accused us of cashing the check and could not send a duplicate check. Soon after it was found out that Caliber Mortgage has cashed the check and we have not heard back from anyone advising regarding this issue. I could not cash the check for XXXX years, yet XXXX XXXX XXXX can dispose of our funds so easily to Caliber??? We urge you to assist us in investigating thouroughly this situation.
Product: Mortgage

Based on my research, examining the entire loan contract, I noticed a lot of discrepancies in the loan contract. In that contract, I am faced with predatory lending, truth lending and RESPA, I am facing hardship at the particular time, during the course of eight ( 8 ) years. I previously applied for re-financing and modifications several time and was turned down multiple times with out any recourse or explanation. Therefore, the whole entire loan needs to be fully investigated before I make anymore payments. 

Meanwhile, I would like to cease and desist all activities and foreclosure from the foreclosure law firm ( XXXX XXXX ) to be vacated until further investigations is completed.
Product: Checking or savings account

My account has been experiencing unauthorized withdrawals and I addressed it with my bank months ago! I then submitted a complaint with theCFPB, so they sent me a letter and asked me to call them. When I called them, they said they had seen where I reported the unauthorized charges and then they said they would have to review the account and that I would have to wait for 3-5 business days before they make a decision.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6TH 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 alleged fraud or extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 us code 1681 Congressional findings and statement of purpose under ( A ) Accuracy and fairness of credit reporting. Down below I have photos of inaccurate age of account. Also accounts documented with 2 different balances. This account has to be removed all information is not accurate and the same.
Product: Checking or savings account

I started working for a security company, and then as I opened up a business account, there was Merrill Lynch involved and then the process I was dealing with the representative that was helping me with my XXXX  XXXX  opening of process going and between all that was going somehow me and the agent that I was lost contact at the end of completing my whole deposit of funds benifits online with Merrill lynch was open everything was set then XXXX  XXXX tried to fire me a couple times I didnt understand it Ive come to realize they were up to no good either I had a contract and they never even let me complete that let alone start it. So long story short at the end when they finally found way to let me be I found out a lot was going on such as when I lost contact with agent it wasnt by accident that was all planned something even worst that imagened they continued with the opening process to my account and that Job I was working for XXXX gained tremendously I have documents show how that is to be. Anyways now theres a business checking opened with a signer I dont even know at all with complete access to XXXX XXXX  XXXX  gave know idea who they are its been going on for awhile so thats definitely should be considered fraudulent and I have been dealing with slot grievance about this situation theres statements thats has up to millions in transactions in my name but again without my consent I need help bad. What they did was use my XXXX XXXX XXXX XXXX  and XXXX XXXX  to run the business that way I will have no way to access the account. Ive went to banks they dont want or try at all to help out Ive XXXX slot about these financial services and they worst it can be Im surprised how they get away with so much amazing scary.
Product: Credit reporting or other personal consumer reports

I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment Ive attached a copy of my report to this complaint on the following date ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I do not know why these hard inquiries are still on my credit report. I have not been issued any credit from these inquiries. I have reported this problem multiple within the time frame to get these removed accordingly to the EQUAL CREDIT OPPORTUNITY ACT and there is still no change. None of these hard inquiries were removed after I reported them within the first week of being on my report. This is illegal and injustice.
Product: Debt collection

I opened an account with XXXX in XXXX of XXXX. It was a " no contract '' monthly internet service that was " month to month ''. 

They tell you that you have to call in to cancel the service. I stopped into the store and called! 

On XXXX  - the business account for XXXX XXXX XXXX was canceled in the XXXX XXXX. It was communicated that no equipment needed to be returned and that there will be no continued bill. 

on XXXX - a phone call was made to the customer service department to inquire about a bill received for {$150.00}. It was discovered at that time that the billing did not discontinue and although no usage or activity was on the unit, the account wasn't closed and the amount was then due. 

AGAIN- the account was requested to be closed. It was guaranteed that if I paid that {$150.00} that there would be no continued service or charges. 

Based on recent communication, $ XXXX has continued to be charged by XXXX. The suggested amount owed is {$310.00}. Additional {$77.00} was charged from a collection company - totaling {$380.00} is due. 

This is not an active account and the request to cancel has been sent multiple times. 

This is not a valid charge and therefore will not be paid.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming XXXX assisting credit repair companies? This is not trueI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did NOT provide me with the original contract as I requested
Product: Debt collection

I filed with one of the Credit Bureau ( XXXX ) of the fraud with a collection on my report dated XX/XX/22. They're saying I owe {$1000.00} to an original creditor by name of XXXX XXXX XXXX. This is fraud and the only recollection of a hospital by this name was in Washington state as a child. The Credit Bureau came back with a " completed investigation of FCRA dispute '' but says it was verified and updated as of XXXX XXXX. The collection account name is XXXX XXXX XXXX. I've worked very hard to keep my credit utilization under 5 % and pay all bills on time. If a debt was owed by me, I would pay it but this is fraud and I have idea where this is coming from.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the XXXX ( XXXX, XXXX, and Transunion ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Again I have no knowledge of the accounts
Product: Credit reporting or other personal consumer reports

I want to be clear that this complaint is not a mistake or sent in error. My credit report has some information that are false and not the maximum possible accuracy. This inaccurate information is causing me undue stress and it's affecting both my life and credit score negatively.
Product: Credit card

This is in regards to a credit card account from 17 years ago that is now ( in the last couple of months ) being used by a XXXX/XXXX, as assignee of XXXX, assignee of Bank of America, in an attempt to garnish my wages for {$18000.00}. This debt has not been reported for the last 16 years and I have been unaware of it, thus unable to address it. My credit card was stolen and I thought my account was closed - This should be in the Bank of America Records. I also have had 2 accounts with Bank of America since XXXX and have never been notified of any issues. However what I know now after researching, that the account was actually charged and sold though I was making payments on the remain balance in XXXX, then a couple months later Bank of America filed a court case against me ( in XXXX ) in XXXX. However when I contacted Bank of America ( even today XXXX ), recovery department is saying they never filed against me and the account has a XXXX balance. Furthermore there are several other issues regarding this situation including Bank of America 's association with XXXX who filed hundreds of thousands of fraudulent lawsuits on behalf of Bank of America - " Operating Automated Debt-Collection Lawsuit Factory ''. XXXX who have been investigated for embezzling more than {$1.00} XXXX from XXXX. And now a XXXX ( aka XXXX or XXXX ) who have been sitting on the debt and/or going against the Fair Credit Reporting Act which provides the right for me as a consumer to have my credit information to be correct, and also trying to collect debt greater than owed. I would appreciate Bank of America 's help in notify, intervene, and rectify the issue with XXXX/XXXX who is using Bank of America 's mistakes against me.