23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house was sold at a foreclosure auction on  XXXX / XXXX /  XXXX  . Around  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  of  Carrington Real Estate Services, LLC con tacted me. I confirmed with her that I was occupying the house with my  XXXX  minor children. She stated that she would request a cash for keys offer for me. On  XXXX / XXXX /  XXXX   ( before I heard back from  XXXX   XXXX  ), I arrived home from work. My son tried to unlock the front door, but found the key did not fit. I took the key from him and attempted to unlock the door. The key would not go in, but I was pushing on the door while trying to unlock it and the door popped open. I looked down and could see the shavings where someone had drilled the old lock. The new keys were on the floor inside the door. The house was completely unsecured ; all my personal property was inside and I had no way to know if someone was in there. I left a message for  XXXX   XXXX  asking about the lock change. On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  returned my call. She stated that she did not know why my locks were changed. I called Carrington Mortgage Services, LLC. They would not admit there had been a lock change ordered, but I was told that they have the legal right to change the locks. I told Carrington that I know my rights and they do not have the right to change the locks while I, the former owner, was in possession of the house. I told them that they have to go to court to get possession. I told them I would be changing the locks because I did not know who had access to the house. On  XXXX / XXXX /  XXXX  , I was working at home and heard someone at my front door. When I opened the door, there was a man standing there about to drill the locks and put in new locks again. I asked him what he was doing. He said he was securing the house because it was vacant an d Carrington had ordered the locks changed. I told him it was not vacant and that Carrington Mo rtgage and  XXXX   XXXX   XXXX  was aware that I was still in possession of the house. He told m e Carrington had  checked and the house was vacant. I asked them how they checked ; he said they talked to the neighbors. That can not be true. I live in a townhouse and know both my neighbors, who are aware that I am still living in the home. I told him that he has no right to change the locks while I am still living here. He told me that  Carrington had the right to change the locks because they bought the house. I told him they can not change the locks while I am in possession and that they must go through the courts to evict me in the state of Maryland. He left. Carrington Mortg age and  XXXX   XXXX   XXXX  have violated my rights as the former owner in possession of a foreclosed property. Maryland law does not allow self-help eviction. The owner of a foreclosed property must go through the courts to get possession of a foreclosed home occupied by the former owner by filing a motion for judgment awarding possession and then go through the eviction process.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing incorrect information on my credit report destroyed my credit. 

I have XXXX charged-off accounts that are reporting incorrect information and have been for years, and on the recommendation of my FHA lender XXXX I disputed the accounts with all three credit bureaus. I thought that the worst thing that could happen was that they wouldn't remove the incorrect reports, but, apparently, it can be a lot worse. 

These accounts were originally charged off in XXXX. After my disputes were investigated, the credit bureaus decided that the information was correct ( which I still don't understand, because it's definitely not ). Because the disputes were closed in XXXX of this year, the date of my charge-offs is now showing as XX/XX/XXXX instead of the correct information of XX/XX/XXXX. 

Because of this, my credit scores plummeted. While my Experian score evened out relatively quickly, my XXXX score dropped XXXX points and my XXXX score dropped XXXX points and neither have recovered since the disputes. 

That, in and of itself, would be bad enough, but now I'm getting denied for credit due to the fact that my credit report shows a recent charge-off. The credit bureaus have said that this is standard procedure, that, yes, they update the date of the charge-off because of the dispute, but if you look at the details, you can see the original charge-off date. Great, but automated credit application systems don't read the fine print. All they care about is the fact that my charge-off date now shows as XX/XX/XXXX. 

I'm now terrified of ever disputing another account, even if I know that I'm in the right. I can't sustain another massive loss in my XXXX XXXX. Before this happened, I qualified for a lot of different kinds of credit, and now I can't get anything. 

As a XXXX person on a fixed income ( XXXX ) living well below the poverty line with no real hope of that changing, this has been devastating for my finances. The charge-offs are for private student loans that only went into delinquency in the first place due to my total XXXX and the refusal of the loan broker to communicate with me at all ( the lender listed has never had any record of my loans, and attempting to work with collections also led nowhere due to the actual lenders, whose identity I was never given, refusing to communicate with the agency and with each other ). Those incorrect reports were already severely harming my credit, and when I tried to get them fixed, all that I was given was an even heavier blow to my credit. 

The credit bureaus say that this is standard procedure. It really, really shouldn't be. If nothing else, I would've appreciated a warning that this could even happen. I had no idea. I thought that I had a chance to rectify the damage caused by a shady student lender. I thought that the credit bureaus would at least try to help. I thought that, if they couldn't help, I'd at least be no worse off than when I started. I thought wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an initial fraud alert on my Experian credit report. I have been trying to have it removed from my credit file for almost 100 days. I initially contacted Experian by phone, and their automated system advised me to end a letter. I did so on XX/XX/XXXX. After two weeks, I again checked my credit report to find that it was not removed. I sent a follow-up letter as instructed by Experian on XX/XX/XXXX.

Since then, I have tried to call Experian, but their phone system makes it literally impossible for me to speak to a human. The one time I got put in a phone queue to talk to a human the wait time quoted was " over 2 hours ''. Just today, on XX/XX/XXXX I was on hold from XXXX EST till now, XXXX EST waiting, all the time getting an endless loop of onhold phone music and company propaganda.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX EQUIFAX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Product: Debt collection

My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.
Product: Checking or savings account

On XX/XX/year>, a wire transfer of {$25000.00} USD was deposited into my business account with Chase. The remitting company, unfortunately, processed the transfer through a third-party entity, unknowingly violating my policy to avoid third-party intermediaries. As soon as I became aware of this issue, I immediately reached out to the remitting company, informed them of the discrepancy, and advised them to adhere to proper protocols in future transactions. Despite my prompt actions to address and rectify the situation, Chase suddenly closed both my business and personal accounts without notice or an opportunity for me to provide clarification.

Since then, I have tried multiple times to resolve this matter through Chases customer service channels, but responses have been inconsistent, leaving me without a clear path forward. This abrupt closure has had a significant impact on my businesss financial operations, disrupting payments and creating an unexpected hardship for both my family and employees who depend on this business. 

I am seeking a thorough review of this situation and am hopeful for the reinstatement of my accounts to enable my business to continue serving our clients and community.
Product: Debt collection

Firstly, I did not receive a validation notice mailed on XX/XX/year>, as claimed. Additionally, I did not receive any messages from your office attempting to contact me. These statements are false and misleading. 

I kindly request that you investigate this matter and delete this collection account from my credit report as it is based on inaccurate and unsubstantiated information. The false claims of communication attempts are damaging to my credit standing and do not reflect the true nature of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since, XX/XX/2014, I have have this loan that is a fraudulent account. I have called several times but I do no speak good enough XXXX. 
I have been denied credit. I am a victim of identity theft. I have never had this loan. I have no idea who took out this loan. 
I have filed several Police Report with no solution. I am desperate I have spent years without being approved for a lollipop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Addresses : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX  XXXX XXXX XXXX  XXXX Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX. I have attempted to correct this to no avail. I have 3 accounts with XXXX XXXX and have not applied for additional accounts.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please help
Product: Credit reporting or other personal consumer reports

Despite previous disputes filed with Experian and XXXX ( on dates provided ) under FCRA 605B for identity theft accounts ( e.g., XXXX XXXX ), these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA 611, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. Immediate rectification is necessary to prevent further harm.

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.
Product: Debt collection

I called the number on my XXXX credit report and they talked to me briefly and then hung up on me after asking how I got that number.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 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
Product: Debt collection

This unknown caller was calling my phone and would not leave message and when they would call there would be no one there. They are now calling my mother every hour on the hour.. ENOUGH
Product: Prepaid card

I purchased a {$200.00} XXXX XXXX XXXX issued by US Bank National Association on XX/XX/23 at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ut ( XXXX ). The card never worked. I spoke to the manager at XXXX XXXX  who reported that the card numbers of gift cards are frequently being stolen before customers can use them. I have been contacting the XXXX XXXX XXXX customer service representatives for months with no results. I have faxed and emailed information they requested in order to be refunded the {$200.00} but each time I follow their guidelines, they make excuses as to why they are not sending me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair. Not respecting laws See attachements
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX.
Product: Credit card or prepaid card

e credit card company put extra charges on my account and will not fix it purchase XX/XX/XXXX {$660.00} returned XX/XX/XXXX XXXX XXXX recharged XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal credit XX/XX/XXXX $ XXXX pay pal credit XX/XX/XXXX $ XXXX They put charges on my account after I disputed a charge and they wont credit me {$660.00} that they charged me
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of fraudulent information from my credit report as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 605B, you are required to block this information within four business days. The following accounts were opened fraudulently due to identity theft : 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 card or prepaid card

I was issued a new credit card by Bank of America. According to e-mail correspondence from BofA, this card was mailed on XX/XX/2023. To my knowledge, I never received this card. 

On XX/XX/XXXX and XXXX, XXXX transactions were charged to my card ( for {$870.00} and XXXX, respectively ) that I did not make. These transactions were flagged by Bank of America as suspicious ; I received alerts from BofA via their mobile app, and promptly called their fraud hotline to report the transactions. 

BofA issued a temporary credit to my account for the fraudulent purchases and promised to investigate the claim. I put the matter aside, confident that the things would be resolved in my favor : I did not make these purchases, I have been a BofA customer for over 25 years, and have not made a single fraud claim during that time. 

On XX/XX/XXXX, I received a decision from BofA, stating that they would not credit my account for the fraudulent purchases. After piecing together the sequence of events, it is my belief that the card in question was intercepted en route to me and was used fraudulently. 

I am disappointed that what appeared to be a relatively straightforward case of credit card fraud was not resolved in my favor and that I now have to appeal the decision, which is stressful and time-consuming. If this matter is not resolved promptly to my satisfaction, I will no longer bank with BofA.