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

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit card or prepaid card

I received a pre approval credit card from Chase via XXXX XXXX as my scores are in a good position. I then applied but was denied because of a XXXX yr old bankruptcy. My issues are that this credit app. caused my credit score to be decreased by several points as it is an inquiry on my report. Moreover, I should have been warned prior to applying that a bankruptcy credit app would be discriminated against. I now seek your help in getting this inquiry removed from all 3 of my credit scores.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I got a temporary card from Wells Fargo and whitin a week someone made fraudulent charges for the amount of XXXX XXXX.Wells Fargo called me suspecting a fraud and I did not recognize the charges so they gave me a temporary refund.After 10 days they decided the charges were legitimate because I did not have a story with the card, it was new I never used an it was in my wallet.The only charges were the fraudulent ones I presume the card was compromised in the Bank before they gave it to me as they were able to access my account.change the PIN and the daily amount to withdraw. 
The Bank did not observe any of the measures of the security protocol before allowing the changes and the fraudulent charges. 
The Bank has not offered more information and the case manager is not answering my calls, nevertheless they escalated the case and I am still pending to get my money back.I am a senior citizen and want to be treated fairly. 
I am in panic that they will do it again and I have lost confidence in the Bank and its systems. 
Thanks for your guidance.My case # XXXX
Product: Credit card

XX/XX/XXXX I contacted American family law center that was referred to me through legal aide I was needing an attorney to obtain custody of my granddaughter! I call the company and was ask by a agent what do I need help with she assured me they can help me and that it was a XXXX time payment of {$550.00} dollars that needed to be pay up from before I could be assigned to an attorney, and that I wouldnt be charge until I would meet with the attorney to see if or how he could help! So I initiate the payment to find out that the attorney would not represent you in court would on give you the documents that you have to fill out and file in court yourself! I immediately went to the website review and found out this company is a scam I file a fraud case with my credit card company and was issued a new card! I then card my card company and them what I did! The agent told me that I should have filed a dispute instead but it was not an issue they would handle it and notify the fraud department! And that I would have to wait until the charge post before I could dispute it called the whole month and it never posted until XX/XX/XXXX when I call them I was told that the fraud department investigated it and because I initiated the payment it was sent to the company and reissued to my new card as a charge to me! This was the fault of there agents not handling the case I was told during the process to send a email to example what happen and was given the wrong fax number then never got a case number for the fraud case nor the dispute case after it post! Finally was give a case number for the dispute and the right fax number. But now they are tell me theres nothing they can do! This was the fault of XXXX agents not mind, I loss the money needed to obtain a real lawyer,
Product: Money transfer, virtual currency, or money service

I am from the XXXX working as a XXXX XXXX  and provide help to my clients located in the XXXX. I use Paypal to get payment from them, in exchange to the work I did, I use Paypal for nearly 10 years, without any issues.

But then, just this week, I got an email from Paypal, saying my account has been limited. I am not sure why so I asked. However, I was not given a specific reason nor a valid one. I seek justice because first : I still have funds in my PayPal account which I can not withdraw. Second, the invoices I sent to my clients last week is still pending and Paypal is making a follow up with them, when they know for a fact that they are holding my funds. 

I am asking for your help. I just need my account reinstated, I just need it to be able to use it as a payment platform for my clients. 

Any help is greatly appreciated. Thank you!
Product: Mortgage

I have already filed a complaint with is company to no avail. Ditech complaint # XXXX. I have spoken to numerous persons with the company many supervisors. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX they have all tried to contact and emailed XXXX XXXX whom I received a letter from ( should be on file ). They statements made in the letter were never followed through with. According to the persons I have listed and spoken with I still have an outstanding balance of {$4300.00} and to date am 168 days overdue. 
XXXX XXXX has never contacted me or taken care of the OVERPAYMENT that was made by me when the loan was paid off. 
I understand from the letter that he has forgiven the moneys owed, however I NEVER OWED ANY MONEY. Ditech owes me money. I have been told by the title company and my C.P.A that I overpaid close to {$2400.00}. 
I have been trying to get this settled for close to 3 weeks. In the letter he states it will be settled within 1-2 weeks. Well I am going on 3 weeks and nothing has been settled. 
I have been very patient and trying to avoid paying an attorney to take care of this matter ( I have already retained one ). I will give Ditech 10 days to take care of this matter, and return my overpayment. I will then persue my only other option. 
This has been this worst morgage company I have ever delt with and will continue to persue. They are wrong in this matter and SHOULD be reported as I am doing, for all there illegal doings. 
Thank you, XXXX XXXX
Product: Mortgage

My monthly mortgage statements do not indicate there is a balloon note on my mortgage. I did not know for years there was a balloon note that existed on the mortgage. 

I hadn't contacted the mortgage company in awhile and just continue to pay the mortgage and look at the statements on-line which do not show there is a balloon note of {$80000.00} plus dollars. The mortgage was taken out XXXX XXXX XXXX and sold immediately afterwards to another company. 

The mortgage was sold again to another company in XXXX, but still documents/statement never showed a balloon note on the mortgage.
Product: Credit reporting or other personal consumer reports

I have been receiving inaccurate information from TransUnion. The score does not reflect my credit history. I also only see the score on bank accounts but not on the actual website which I have an account in. When I request my actual report online or by mail, the site tells me that it is unavailable for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXXXXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX bank XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am complaining regarding this inaccurate information on my credit file that are incorrect. Behind of that, I am not satisfied because as I know these inaccurate accounts could really affects my credit score as well. I never disagree as I found these accounts. So in other words, kindly make action about this and correct the said accounts : 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 am not receiving verification of payments made, even though I have repeatedly requested such documentation. I continue to make my payments on time. The payments cleared my bank account. I have since close my account, but I have not received written verification. I would like to pay off this account. However, these basic requirements need to be met first.
Product: Debt collection

On XX/XX/year> and XX/XX/year> Lendmark Financial Services Inc sent me forged documents falsely claiming that I asked for a deferral of a loan agreement. When I did not sign the forged agreement, Lendmark Financial Services voided the documents, and filed a civil suit against me in court with a trial date set for XX/XX/year>. Making false claims about a debt, is against the law. In fact it is in violation of federal statute 15 USC Section 1692e Subsection 807 that states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Not only did Lendmark Financial Services Inc send forged documents falsely claiming that I requested a deferral, they also failed to notify me that if I failed to sign the forged deferral documents, I would be sued in civil court. 

In addition to violation of federal statute 15 USC Section 1692e subsection 807, Lendmark Financial Services Inc may have committed fraud by forgery. The state of North Carolina states that the elements of forgery occurs when a person uses a document to create a misrepresentation to obtain a benefit. The penalty for this offense if a class XXXX felony. 

I am seeking immediate relief due to the violations above. I am demanding that the civil suit against me be withdrawn, and I am demanding this account be closed and removed from all of my credit reports immediately. Failure to do so will result in me seeking legal counsel to explore all remedies allotted to me under federal and state law.
Product: Debt collection

I took my car in XX/XX/XXXX  to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from XXXX XXXX saying Mercedes called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/XXXX  paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called Mercedes and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier XXXX XXXX and told them both what was going on, as I got it towed in. The following day XXXX XXXX called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/XXXX  when Mercedes called me claiming the water was coming from two window seals that needs to be changed. XXXX XXXX then told me that my vehicle was already in the process of being picked up, at the request of Mercedes Benz of XXXX XXXX, they was just waiting on the tow truck. Now Mercedes Benz of XXXX XXXX is running water inside a leaking seal of the door/window sending it to me in a video saying the gallons of water came from that on a day that the sun was out.
Product: Debt collection

I received a statement from Aqua Finance Inc., stating that my Revolving Credit Agreement with XXXX XXXXXXXX XXXX, has been referred to them for collection. 
The statement shows a transaction dated XX/XX/XXXX for 5 windows and 2 sliding doors in the amount of {$6500.00} for account number XXXX. 
I don't know who XXXX. XXXX XXXX, or Aqua Finance Inc. or what transaction they are referring too. This is a scam to collect a debt I don't owe! 
I have a new home built in XXXX and have no need nor ever purchased windows or doors from anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CB/NY & CO and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/NY & CO and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Acct XXXX, Account name : SYNCB/CARE CREDIT Acct # XXXX Account name : # XXXX XXXX Acct 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Sunday XX/XX/2023, as I was traveling, I unfortunately misplaced my cellphone and it never got back to me. I allowed some time with the hope that it would return to me, but it never happened. Instead, all my accounts : email accounts, banks accounts, social media, etc, were accessed and used on my behalf by the new " owners of my cellphone ''. When I was able to access again to my email account, I noticed that there had been some unauthorized activity on this bank account. I immediately called Bank of America to report this situation ( XX/XX/XXXX ). I also asked them help to change my online banking password, which they did. 
I opened a claim on these two transactions and clearly stated that I did not make these transactions nor know who did it, and that my cellphone was no longer in my possession since XX/XX/XXXX. One of the transactions had not posted yet when I opened the claim, so it would have been easy for the bank to stop it. 
The representative that assist me submitting the claim said " you will receive a temporary complimentary credit for these transaction and once Bank of America finishes the investigation, if they find out that it was not you who did them, the credit will be final ''. I never received that credit. 
Instead, only XXXX business days later, on XX/XX/XXXX, I got a letter from Bank of America telling me this : As a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ( ... ) We now consider this claim closed. 

Clearly, in 4 days there was not a serious investigation by the bank, as I was told they would do. As the letter said, they just " research '' and found what I had already told them, that someone else in possession of my phone took advantage of it and emptied my account. 

If I am telling my bank that there is fraud in my account, that the transactions were not authorized, that I have been the victim of the robbery of my funds, why they can not reverse the transactions? Why they can not stop the transaction that was still fresh and was showing as pending? They could not at least open a serious investigation? 

Frauds may be considered a federal crime, and BofA seems to be taking these cases so lightly. 

By doing nothing and looking to the side, Bank of America is not only damaging me and me family for the loss of our funds, but they are also being an accomplice on this illegal activity.
Product: Mortgage

Approximate two and a half to three years ago we inadvertently submitted a mortgage payment late ; I believe it was XX/XX/2015. We were never notified that this payment was late. In fact, we didn't know until our homeowner 's insurance was canceled because OCWEN Loan servicing never released the escrow payment to them. This wasn't until almost a year later. So, in that time we had no homeowners insurance on our home, nor did we know that there had been a late payment. Every time we talked to someone it was a different person and we could never get a straight answer. We were put in touch with a " relationship manager '' who we could never reach because we had to have an appointment and we never could seem to connect with them. Eventually we contacted someone from the North Carolina Foreclosure Prevention Fund and  they started the process of assisting us with a loan modification. That was six months ago. 

For the last six months we have been getting the run around. Every time we get someone on the phone with OCWEN they have no idea what is going on and will not put us in touch with the proper party. Every time we try to get in touch with our " Relationship Manager '' they are not available or they tell us they are working on it. We have submitted numerous documents, jumped through every hoop and just yesterday they told us that because it has taken so long, we now have to redo section 4 of their paperwork, meanwhile for the last 3 years my credit score has been dropping and there is no end in sight. 

I have submitted everything they asked for and still it is not enough. Four times in the last several weeks I have had to get letters and printouts from my job about my salary and each time they ask for another piece of information that can simply be gleaned from the information already provided. We feel this is a deliberate attempt on their part. Again, because of their foot dragging the paperwork has expired and we have to start all over again. We really need this to be done. It is putting a huge burden on my marriage and we are in financial limbo because we can not even begin to repair our credit until this is done. 

We would also very much like to have them drop the PMI because they are going by the original appraised value of the home from 10 years ago. A truer picture of our home 's value would put us far beyond 20 % equity. Please help us end this nightmare that we entered through no real fault of our own. We desperately want this to end so we can refinance and get away from this horrible company. We are also filing a complaint with HUD and possibly the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is my adress
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently Intentionally reporting false Late payment history information for Account number XXXX XXXX XXXX / ( 30 days late XX/XX/XXXX ) I reviewed the latest credit report XX/XX/XXXX. 

On XXXX XXXX I sent certified letter number XXXX to Equifax. ( See attached ) On the date of the initial notification I requested that the account be updated to Paid in full As agreed Never Late. Equifax has refused to update the inaccurate information to date. See Attached.