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

My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted XXXX XXXX because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied to XXXX XXXX 360 Checking Online. I submitted the application for checking, and it sent a email almost immediately informing me I had been denied because ( EWS ) Early warning services LLC provided them with a score of XXXX based on information they had collected about me. I was told to call Early Warning Services LLC ( EWS ). I called and spoke with Early Warning Representative and submitted verification ( Picture of my driver 's license ) .She stated they she could NOT see any information or reason why you would have been giving a score indicating you were high risk. 

I let her know I'm " NOT '' High risk! And that I have NO knowledge of any negative activity on any account I have ever been associated with and that I have a excellent credit score. 

She told me she had NO information and that she will have them send out a report with all the information they have on you to your email. 

I've been unfairly and incorrectly categorized as HIGH RISK by ( EWS ) with a XXXX score which is preventing me from accessing the banking system I need to use to function and to comply with federal tax laws. 

I am NOT HIGH risk and I have NO knowledge of any reason why I would be deemed HIGH RISK and I was denied the account NOT for my own behavior but because ( EWS ) created a ( XXXX ) score and communicated to the banking system I was HIGH RISK when I'm NOT. 

It is an extremely negative ( And Untrue! ) score ( XXXX ) that is so severe that it is preventing me from opening a bank account and depositing my own money into! Even though I am being offered pre-approved for credit cards by XX/XX/XXXXXXXX, The same company that denied me on the banking side because of the ( EWS ) XXXX score that incorrectly categorizes me as HIGH RISK! 

( EWS ) is causing me a severe disruption to my personal life by communicating to the Banking sector I'm HIGH RISK ( When I'm NOT ) with a XXXX score without any explanation as to why I've been given that score or categorized HIGH RISK leaving me with no information that I could use to file a dispute their ( EWS ) inaccurate and incorrect score ( XXXX ) which has caused a very undeserved negative impact on my ability to function.
Product: Debt collection

I am copying the complaint I made against XXXX XXXX Bank here, as it is the same complaint I 'm filing against Suttell and Associates P.S. Attorneys at Law. 

I became permanently XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX Bank XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX Insurance until XXXX, XXXX, when XXXX XXXX Insurance cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX Insurance since XXXX. Bank XXXX XXXX acquired homeowner 's insurance for the house from XXXX XXXX Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, Bank XXXX XXXX sold the mortgage to XXXX Bank, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that XXXX XXXX Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that XXXX XXXX Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with XXXX XXXX Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to XXXX XXXX Bank on the altered bankruptcy record for XXXX P.S. Attorneys at Law for XXXX XXXX Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a XXXX XXXX Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which Bank XXXX XXXX has sold to XXXX Bank. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an online auction to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against Suttell and Associates. These complaints joint the XXXX already filed against XXXX XXXX and Bank XXXX XXXX. XXXX other note is that, when I asked Bank XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against XXXX XXXX Bank.
Product: Checking or savings account

To : CFBP Subject : BOfA holding funds and late and no funds fees policy. 


I have been a Bank of America customer for ( over 25 years ). The last couple of months I have been dismissed by the Bank when expressing my concerns in their wrong doing. I have my own business and I used BofA for all my bank needs. Apparently they are forcing us to pay XXXX worth of fees by holding our funds for sometimes 5 days. All my accounts are with them and I get paid every two weeks through a payroll company. When processing the deposits the bank withdraw the money at the same time from my business account but holds my funds into my personal account. In the past two months, the bank has put my deposited checks on hold several times with no justification causing me a lot of pains and costing me a lot of money for fees. In efforts to understand the reason behind all of this chaos I contacted customer service and they were not able to explain to me what the reason for these incidents were and continued to put checks on hold for numerous days causing immense consequences for my finances, including return fees from other banks, returned college tuition and returned mortgage payments. 
I have been troubled with this because BofA has been doing this to a lot of my friends disrupting our tied finances even more and I believe this is illegal. Please take a careful look into this and I believe they should stop this fundraising of its own at the cost of poor families like us that works very hard to put our kids into to XXXX and pays the rent or the mortgage. 

I am attaching a copy of my last check that was put on hold by BofA and verify the dates when they compensated the check in my business account and the funds been on hold in my personal account. 

Please feel free to contact me if you need further information. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit reportsand noticed several inaccuracies on my account. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify. XXXX XXXX XXXXXXXX
Product: Debt collection

I received another collections notice on my credit report for the same account for {$290.00} under the same Client Name " XXXX XXXX '' though it was sold from company XXXX to a company called I.C. System, INC. I have already made XXXX, XXXX, and Credit Bureaus aware of this situation and the collection was previously removed. I even previously disputed with CFPB for this same account but again the account was sold to another company. This is related to CFPB complaint # : XXXX. This is not my account, I never allow anyone to use my personal information for this account. I was completely unaware the account/situation until it showed on my credit report for collections. Please remove the collections from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM is showing the account was charged off. As of XXXX XXXX,2020. The account was open and I made a payment on the account. I was in a car accident on the XX/XX/XXXX. I had full coverage on my account and gap insurance. My insurance company sent a check for the difference owed on the account. Which will make the account paid in full. They are reporting as Charge off account. ( reporting a balanced ) The account was paid in full. Im requesting the account be removed total from my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should delete any inaccurate accounts from my credit report. Could you review the documents? Some accounts have incorrect details regarding reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from Citizens Bank on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent charge and subsequent collections account showed up on my credit report. I made several attempts to resolve this - disputing it with all three credit bureaus. I reported the fraud to the collection agency, I also reported it to the vendor ( XXXX XXXX XXXX ). Finally, XXXX XXXX XXXX cleared me from the account - proving that it was a fraudulent charge. The collection agency also cleared me of the charge. I've sent supporting evidence to Experian and requested that they remove the collection from my credit report, but they will not. The dispute results state that the collections account is now in good standing, but will not be removed from my credit report until XX/XX/2026.
Product: Debt collection

In XXXX I co-signed a XXXX XXXX contract with XXXX XXXX XXXX. There was a mis communication with the person I XXXX  out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via XXXX stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there  end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.
Product: Mortgage

I purchased a home in XXXX, the loan eventually was transferred to Chase. In XXXX, I refinanced with Chase. A loan from Chase refinanced with Chase in XX/XX/XXXX. I am now attempting to sell the home. Upon title search it was discovered that there are 2 mortgages open on the property. Chase didn't perform their due diligence and never closed the initial loan. Now I am unable to complete the selling of the home. I have contacted Chase at length. Beginning on XX/XX/XXXX asking for a lien release. I called XXXX on Monday XX/XX/XXXX, escalated to a manager was told I would be contacted in 48 hours. I provided countless documents through the escalation office, including the closing documents from the refinance with Chase that includes the initial loan account # as well as the new account number that was eventually transferred to XXXX. I have called, emailed and although once or twice I received confirmation that a lien release was appropriate, that information has been followed up with another email stating it wasn't. 
I have called, emailed, escalated. The closing for the home has passed and now I am responsible for another month of mortgage. Every time I have contacted Chase, either through the lien release department or the escalation department I have been told they need more time. 
This request has not been taken seriously. We have relocated due to employment changes, we are paying two mortgages at substantial financial distress, we have a buyer but due Chase 's clerical error I have not been able to close. 
If I were to lose the buyer to the home due to their inability to provide the necessary documentation, they would be liable. I have given them the time and documentation they have requested. They have failed to follow through or comply with my request.
Product: Credit reporting or other personal consumer reports

Per XXXX, an account was opened for services on XX/XX/XXXX, at address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, an address I have never been my residence. In addition it is to my understanding the services went on until XX/XX/XXXX. I was informed on XX/XX/XXXX, the investigation was completed, of which, I was never informed of the out-come of the investigation. My wife and I was in the process of purchasing a home and due to time restraints I was forced to pay XXXX, because the company was not at all willing to help me with this issue.
Product: Credit reporting or other personal consumer reports

In my credit report, there are XXXX accounts that belong to a different collection agency than the one I first signed with. I did not initially sign for either of the XXXX accounts under the collection agency XXXX XXXX XXXX. The account with the {$890.00} balance and the account with the {$760.00} balance belong to a different creditor, and I had no idea that my information was being shared, much less sold, to them. The third business, XXXX XXXX XXXX, is charging me {$110.00} ; I haven't signed a contract with them either, and they have access to my debt and data without informing me.
Product: Credit card

I have an XXXX XXXX interest rate and would love to get it lowered and paid back in some of my interest paid. I recently moved to a critical housing area for the military and took a big pay cut and have recently learned about my SCRA rights. I understand I created this debt while my time in and being a XXXX resident it only counts if it was acquired before my military service. But I need the help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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: Mortgage

I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a contractor rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XXXX 2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather. NEW UPDATE CAUSE FIRST TRY DID NOT RESOLVE THE ISSUE -- - In XXXX I had a inspection and my mortgage company said I was only 18 % complete THIS IS A POLE BARN NOT A HOUSE I fought with them trying to explain to them that this is a pole barn and only thing left to complete a POLE BARN was place metal on it. A 100 % Complete Pole Barn Does not require a bathroom a kitchen a electrical panel -- -- A pole barn is a build that is used to store equipment in like mowers campers tractor etc. etc. -- -- After fighting with the mortgage company again I was lucky enough to be allowed more funds -- - I AM NOW 100 % complete and still fighting to receive the remaining {$10000.00} of my money -- -- The mortgage company keeps playing games and saying they haven't received an inspection that that wanted that they requested that they required. GIVE ME MY XXXX MONEY and quit holding me hostage by continuing to give me lame XXXX excuses that someone else holing it up -- -- I am complete so give me my money
Product: Student loan

New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been a long time customer of BMO Harris bank. There were two unauthorized transactions on my checking account. XX/XX/XXXX for {$760.00} and XX/XX/XXXX for {$69.00}. These transactions were fraudulent and not made by me. BMO has decline the claims and said it was me. I have done everything in my power to resolve this. I am not able to resolve this on my own. I need help. I will not give up.
Product: Debt collection

Debt is over 12 years old and is beyond the statute of limitations and therefor uncollectable. They are trying to collect a debt that has already been written off, can not go on my credit report, and can not have a lawsuit filed. They need to close this erroneous attempt to collect a debt I do not owe. This debt has already been reported to the IRS as Income in the year it was charged off and therefor their letters are null and void.