23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are a military family XXXX. We purchased a home in XXXX XXXX XXXX in 2006. 3 years later we were sent XXXX. We could n't sell the home because the value had depreciated. We rented out for a few years, but after finding we would not be able to return to XXXX XXXX we began the short sale process. We have stayed current with our payments but our home has been vacant for a year. We 've used up all of our savings and are struggling to make ends meet. We currently have an investor who has made a reasonable offer on our home. We have XXXX lenders servicing our loan, unfortunately, XXXX of them, 21st Mortgage continues to increase the amount they 're willing to accept from the short sale. A couple of months ago we presented an offer to XXXX for the amount they asked for. We just spoke to a representative from the company and were told the lender increased the amount they 're willing to accept by more than half of what was previously asked. Letting the home go on foreclosure is not possible because of our status in the military. At this point we do not know how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ouicken Loans company employee created another application on me when I closed with the same company on XX/XX/XXXX and then on XX/XX/XXXX anew package was mailed to my home on XX/XX/XXXX. If this employee had ran my information should came up in the data that I close. This is the problem, this employee ran a credit report and used my SS number with authorization. I know under the Fair credit reporting act, Security freeze, Privacy Act, this Identity fraud. I did not communicate with the banker to have the second application done. The second issue was my property taxes taxes for the city of XXXX being listed on the closing cost details sheet at closing and include during closing and was not not paid at the time of closing. I received a check for {$750.00} in the mail in my name as a refund check. Why didn't they send it to the tax office. The company put it back on me. I reported the issue to several people, one tried to verbally bully me and I report it and receive a call and they apologize for the young man actions. XXXX XXXX investigated my issue and returned her finding and apologize all the company mistakes. We stated communicating by email so I would have a record, before that we talk verbally on the phone. She tried to be helpful and add the taxes to payment. which are in the email she sent me. Once I stated the company owe me for violated my right to privacy, civil right, anti-bullying me by employee verbally, things changed after I asked for a settlement of {$150000.00}, because I stated that according to the Gramm-Leach_Bliley Act, means misusing someone SS number is a security breach for the company and the Privacy Act of XXXX. XXXX email changed, she state that the company doesn't owe anything because they did not do anything, but my question is why did she apologize for all the mistakes and why she appeared to be sock about the issues and took a week to investigate the my concern, I called he twice and she apologize for the employee verbally bulling me and for the mistakes. I also talked XXXX XXXX and XXXX XXXX by email about the tax issues.
Product: Checking or savings account

I had a bank account with Fifth Third bank. My identity was stolen and my card was cloned somebody rented a car with XXXX and they were continuous charges to the account which ended up almost {$4000.00}. They refused to refund me any of the money from the charges, even though I had shown them that I was fighting against XXXX and now I have a closed account now at XXXX. I also had an issue with XXXX XXXX  XXXX stolen charges at a hotel. I went to the hotel and was told that I needed to go to the bank. The bank would not refund those charges leaving the account overdrafted
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX XXXX and TransUnion. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX public student loans that transferred from XXXX to XXXX in XX/XX/XXXX. The total amount of these loans is {$180000.00}. I reviewed my credit report after being rejected from refinancing private loans I hold and discovered that the XXXX loans that were paid out and transferred to XXXX were listed as open. Due to this error, my credit report incorrectly shows I have an additional {$180000.00} in debt. 

I contacted both XXXX and Experian to try to remedy the issue. First, I contacted XXXX through their online portal but was told that there was no issue with their reporting. I had not included my credit report because their online reporting function does not provide the option. To remedy this I sent, through certified mail, a copy of my credit report which showed the XXXX loans as open, the payout statement from XXXX, and a statement from XXXX stating my loans would be transferred to XXXX. This file was sent on XX/XX/XXXX and I received the confirmation of receipt by XXXX on XX/XX/XXXX. I have not received a response from XXXX on this issue as of XX/XX/XXXX. My credit report currently lists these XXXX loans as open and the report shows the last update from XXXX is XX/XX/XXXX. 

I sent Experian the same information as well. I received a response that there are no issues with the active status and as such my credit report still lists the XXXX loans as active and shows that I have an additional {$180000.00} in debt that is just my federal student loans duplicated. 

I believe that this inaccurate reporting may have impacted my ability to refinance private student loans. 

I have attached the information sent to both companies.
Product: Debt collection

This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I noticed a discrepancy on my credit reports for a home equity loan that I have with Chase Bank ( # ending in XXXX ) even though my credit report on my XXXX showed a satisfactory payment history, when I looked at the posted payments for each month, there was a discrepancy between the amount posted as paid vs the actual amount paid on that particular month ( as shown on the credit reports. ) In those cases where an amount paid was incorrect/different than what appeared the Chase record vs. what appeared on my credit report ( i.e., showed as less than was actually paid for several months. ) Chase asked me to fax them copies of my payment records and I did send them bank records to support my claim that a specific amount was paid on each of the contested months. I got a response from Chase Executive Offices and Chase confirmed that their records are in agreement with my records. At that point, Chase said that there is nothing they can do since their records of payment agree with the customer records of payment and Chase advised that I get in touch with the three credit bureaus. 
I contacted each of the three credit bureaus and they offered to pursue a dispute, but they also informed that they get their info from Chase which basically put me in the middle of a Catch-22 finger pointing situation between Chase and the credit reporting agencies. Rather than continue, I just dropped the matter since my overall payment record with Chase was satisfactory. In XX/XX/XXXX, I informed all three credit reporting agencies that I want all consumer disputes removed from all my credit reports because they are interfering with refi loan processing via another lender. The credit reporting agencies removed all disputes. On XX/XX/XXXX, one of my credit monitoring services informed that Chase added the following remark concerning my HELOC with them : " Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account : Consumer disputes - reinvestigation in progress. '' There is no pending dispute and I want the new remark entry removed immediately to avoid further processing problems with my refi application with another lender. Why Chase added this dispute remark months after doing nothing on the issue is beyond me, but I want the remark removed NOW! XXXX  XX/XX/XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I sent in a factual dispute letter to XXXX XXXX XXXX after looking over credit reports I ordered on XX/XX/XXXX to let them know that my account has always been missing the estimated date of removal. I also sent one to XXXX on XX/XX/XXXX. I have attached those documents below. 4 days later I emailed a letter to the CEO XXXX XXXX and explicitly stated that I'd just mailed out letters of disputes to the bureaus for this account because they didn't add an estimated date of removal for the account and I wanted to know why. The dreaded XXXX ( one of their senior account specialists ) contacted me back and told me my reports would be updated to reflect the estimated removal date. This never happened. 

I sent a 2nd round of factual dispute letters to XXXX and XXXX on XX/XX/XXXX & XXXX asking that they delete the Bank of America tradelines off my reports entirely because they'd failed to run a proper investigation or provide proof of my estimated date of removal as I'd asked. They kept sending it back as accurate without any proof of said accuracy. 

No one should ever have to go through all this to have these entities that have our financial lives in their hands do what they're required BY LAW to do. 

So in XX/XX/XXXX I realized that even though this was supposed to fall off in XXXX it was still on my report and I emailed Bank of America 's CEO again about it except this time I was XXXX. I attached screenshots to them of my credit reports that had always reflected XX/XX/XXXX as my date of first delinquency and I've also attached those documents to this complaint. I told them I would report them if they didn't remove the account from my reports. 

XXXX is the person who called me to follow up but we never spoke and kept playing phone tag then I received a letter from her in the mail stating that nothing would be removed because they are reporting accurately when they're NOT. 

If they report so accurately, why have my reports always shown date of first delinquency as XX/XX/XXXX? Why does my XXXX report CURRENTLY state that my account was closed on XX/XX/XXXX? If my date of first delinquency was XX/XX/XXXX then how was it closed in XX/XX/XXXX? 

What kind of geniuses are employed over there?
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfers

PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There was a fraudulent inquiry on my report and would like it removed XX/XX/2023
Product: Prepaid card

My family purchased a vanilla Visa gift card back on XX/XX/XXXX for {$250.00}. Per the agreement, I treated this card like cash, and put it securely away to save the money towards a larger purchase. Upon trying to use the card on XX/XX/XXXX I was informed the card was locked due to suspicious activity. I contacted the customer service line. They informed me that there were XXXX, {$5.00} charges ( totaling {$250.00} ) made from " XXXX XXXX '' all on the same day, so they shut the card down. I then filed a dispute which they said would take 45-90 days. On the dispute packet, it lists the transactions, which all occurred on the same day at the same time. In my mind, this blatantly illustrates a hack on the card account. On XX/XX/XXXX I received a message from the dispute team informing my dispute was denied due to the transactions being outside of the timeframe of recovery. They issued a replacement card for {$100.00} as this was the balance when they shut the card down due to the suspicious activity. 

I had not used the card one until XX/XX/XXXX. How was I supposed to know of any transactions on a gift card I hadn't activated yet? 

I have now filed a second dispute, but I expect the same outcome. The " manager '' I spoke to on XX/XX/XXXX, is saying there is nothing they can do.
Product: Checking or savings account

On XX/XX/XXXX I called into Bank of America to file an fraudulent transfer of XXXX From my account to XXXX XXXX my purse and phone had been stolen and the person had all my personal information such as ID and social and passwords i store in my purse they denied my claim which has cause significant financial difficulties to where me and my family will be homeless soon I dont feel that my claim should have been denied when I did not make the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. 


XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Student loan

I have worked for a nonprofit organization for 11 years with the intent to qualify for Public Service Loan Forgiveness. During that time I returned to my education to complete my XXXX XXXX and was offered in school deferment, however elected to waive the deferment. It appears the waiver was not applied to my account with the original loan servicer, XXXX XXXX, prior to the transfer to XXXX. As a result, my account is showing 16 payments as ineligible due to the in school deferment, when my loans were not in deferment. When Dept. of Education took over managing PSLF and provided me with a Qualifying Payment Update, these months remain in the ineligible list. On XX/XX/year>XXXX  I submitted a Reconsideration Request to count these payments toward my 120 qualifying payments for PSLF and provided the documentation I received from XXXX XXXX approving my waiver of deferment. I have yet to receive an update to that request and my payments remain listed as ineligible. When I called Dept. of Education I was told the request was still in review and no additional information was available. On XX/XX/year>XXXX  I submitted a XXXX Case requesting further assistance and an update to my request. I have still not received any update from either the XXXX request or the XXXX request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX  XXXX XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit card

I opened an acct. I used only once. For about XXXX aromd there. I made monthly payment. I agree missing payment.. but I payed before XX/XX/2016. A lot enough to cover the total amount, in XX/XX/2016 XX/XX/2016. XXXX. Then I got a balance for XXXX in dic. XX/XX/2016. In XXXX I call to pay off. The XXXX. They said. The balance is XXXX. And that minimum payment was XXXX. I asked for a supervisor. I was agitated by what they said. The supervisor agreed to take XXXX to satisfy the total balance, now I got a bill for XXXX. Also the acct was clo by them. Long ago
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Please delete the accounts listed below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>.