23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income  XXXX   year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard.   XXXX  The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.
Product: Money transfer, virtual currency, or money service

I did business with a company name is Best Buy on the website XXXX for around 5 months and after I withrawed my money from my Best Buy account to the bank account they held it for tax payment processing process with charge rate is 25 % then i had to pay amount of XXXX for tax .After I completed tax payment they did not release my withrawal then they ask me for another payment as the deposit is used as an emergency fund for the tax rate adjusted with amount of XXXX .At this time I was run out of money to pay this deposit payment and they request me have to do it as soon as possible and if i do not complete the final payment for the long period of time, the platform will implement a freeze status on my account which will cause inconvenience to my withrawal .This time I scare and suspect this company dont want to release my withrawal even if I try to complete the final payment they will dissappear with my sum of money total about XXXX in capital .If it happen what should i do because i know about this online company very little, that is only the website for working and the fone number of the payment department that we chat each other for tax payment and the receipt of criptocurrencies sending via XXXX .So I tried to made a complaint of fraudulentnt transaction to the fake company that I made through my XXXX and XXXX XXXX XXXXXXXX banks for the refund but up to now it is still unsolved .This time I sent to them the letter of dispute to them, hopefully my complaint will be consideration, currently I was retired with a low benefit so my situation is very difficult since all my hard earned saving was lost by the fake company,
Product: Debt collection

This company is illegally pursuing a debt by threatening to damage my credit by placing false accounts in collections. i have contacted them and sent over proof of court statements certified from a judge they are breaking the law and trying to collect extra money that is not owed. the manager is very rude and does not pick up the phone. i called multiple time and they refuse to answer.
Product: Student loan

Hello, My loans were transferred over to Fedloan ( a process that took more than 8 months ). 
Regardless, the wualifying payments on my account are inaccurate. Currently XXXX payments are listed as nonqualifying, most are listed as late payments. These " late payments '' were paid on time to my last student lam servicer, so it is obvious that there is an administratove error. 
I would live some assistance getting this issue resolved. 

Thank you
Product: Checking or savings account

XX/XX/year> I was nit well. I had open another account for my grandkids due to my illness I had XXXX check deposit nit realizing I had sent it to chase. It was meant to go to other account. So I stopped payment on. Them. And then they told me they came back well of course I stopped payment in them and was fixing to close chase account in the next couple weeks. Well when a check for XXXX was deposited for that account. They put it XXXX XXXX my account tool out.iver draft balance.. then froze.my.account. they were supposed to send my check for remaining balance.after i went in to close and give my.debit card to bamk which i did now.they.decided to procrastinating telling me that they want verification from person who wrote it even though it cleared and.it was in my account.then asked XXXX open another one.hell no.so after all that still have not received. My check that was supposed.to be aent.oit the XXXX of XXXX. Dealings.with them amd.bs since that day. I am I'll and.trying to get.things in order. Then next few months will be tough I shouldn't have to go through this. Going through enough heartache an. Wverytime incall chase its another lie.or.excused pain now.
Product: Debt collection

Prince Parker and Associates {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - ( Original Creditor : XXXX XXXX ) XXXX - XXXX XXXX XXXX - Inquiries : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Student loan

On XX/XX/XXXXI applied for PSLF to Fedloan Servicing after making 122 payments under a qualifying employer. After calling Fedloan a few days later to check on any progress, I was told that I needed to use a PSLF help tool application to " speed up the process '' from the FSA/Dept of Ed website. On XX/XX/XXXX, I submitted the help tool application to Fedloan Servicing. On XX/XX/XXXX I received notification from Fedloan servicing that I had qualified 120 payments under a qualified employer for Public Service Loan Forgiveness, and had received the " trophies '' and congratulations for making 120 payments.

According to a Fedloan servicing representative, my loans are supposed to be at the final stage of approval with FSA/DOE. 
On XX/XX/XXXX, I contacted a Representative named XXXX at FSA/DOE through their online chat, who then transferred me to StudentAide.gov to check on the progress of my PSLF. In this chat the Representative " L '' ( they did not identify themself with a name or ID #, just " L '' ) told me that the " the approval process is done thru Fed Loans '', and " Fed Loans works internally with the Dept of Education, we can't see this process ''.

After this information, I contacted a Fedloan Chat Representative ( XXXX XXXX who stated that both Fedloan and FSA/DOE " both complete one and set no time frame due to the complexity ''.

My complaint is : I am not being given clear information from either my servicer or the FSA/Dept. of Ed.
Product: Student loan

I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. 

When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.
Product: Debt collection

Received an email from a company called CCMR3 regarding a loan with XXXX it clearly states on the email that there is a judgement status and post judgement collection on and that i should reach out to them to resolve. It threaten to report to credit bureau This morning there was a collection account on my XXXX credit file. for XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified of any judgement made against me. I never had an account with CCMR3 and demand proof right to collect from me. please submit proof of ownership of loan how they aquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with CCMR3. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit file.
Product: Vehicle loan or lease

Laid off due to COVID 19. Company refused to work with me and reposessed my vehicle in the middle of a pandemic. Unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX TransUnion XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor XXXX. XXXX TransUnion XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Product: Mortgage

They took over a mortgage from my current bank. I attempted to keep my interest and payments low. I did not want a payment over XXXX like I have had before with original bank. They manipulated my account to where I was forced to pay XXXX a month in mortgage. Much higher then I agreed to pay originally.
Product: Checking or savings account

On or about XX/XX/2021 someone stole {$800.00} ( XXXX and {$300.00} ) from my checking account using 2 separate ATM machines/locations. On XX/XX/XXXX ( a Saturday ) I noticed my account was emptied when I tried to check out at a store and a nominal amount would not go through. I quickly checked my account on my phone and saw these two ATM withdrawals that I DID NOT DO. It should be noted that I have never withdrawn funds from my account via ATM 's for the entire time, almost 5 years, I've been a customer of TD Bank. I only occasionally would get {$20.00} cash back from my grocery shopping. This is easily checked by them. I have NEVER given my card to anyone else to use. I called TD 's bank fraud hotline wherein they told me to follow up in person on Monday, which I did. I went in person to a TD Bank branch near me an reported this theft. They closed that card and gave me a new temporary card. The bank officer told me I'd need to file a police report and bring back a copy and she would submit it to their fraud department. I did that and emailed and hand delivered the police report on XX/XX/2021. XX/XX/XXXX I returned to the bank to inquire about my funds and theft and the bank officer said it was DENIED. She resubmitted the report of theft along with the police report. On XX/XX/XXXX I sent a follow up letter about this theft and the fact that they did not credit me my stolen funds. On XX/XX/XXXX I submitted another letter via email and hand delivered copies of my letter about this theft. I kept checking my account for the return of my stolen funds, They do not acknowledge my emails/ letters and treat me as a nuisance and a criminal when I go in person. I AM THE VICTIM. I am a student this was every cent I had. They still have not credited me back my stolen money nor did they do a genuine investigation. They refuse to bring up/obtain the videos of the thief who stole my money. They have no email nor any personnel listed for a fraud/theft department on line ; this is unethical. They have not credited me back my funds I was advised that this is a violation of Banking Regulation E and I have subsequently filed a complaint with the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with Transunion, because I notified all proper parties that I am a victim of identity theft. Transunion responded that they verified a fraudulent account on my credit report. I would like to know how a fraudulent account can be verified. How was it verified and when.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # 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 reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequence of Events : On XX/XX/2023 I have received a notification that a new inquiry was made on my XXXX credit report and when checked I see a new hard credit enquiry was made by XXXX XXXX COMENITYXXXX XXXX  XXXX But I have never requested for any new card or loan and never gave access to anyone to place a hard inquiry. On checking XXXX found out that it was from XXXX beauty from Comenity bank and called them and raised a complaint and requested for cancellation of the new application which was done by a fraud person. 

On XX/XX/2023 called XXXX credit bureau and requested them to place a freeze on my credit and it was done successfully. 

After realizing that credit freeze needs to be placed on the other 2 credit bureaus as well.XXXX On XX/XX/2023 called both XXXX and XXXX to place a freeze, I was able to place a freeze successfully with XXXX but XXXX I was not able to place a freeze due to address mismatch. 

On XX/XX/2023 received a notification that a new inquiry was made on my XXXX credit report and when checked I see the new hard credit enquiry was made by XXXX XXXX COMENITYCAPITAL/XXXX  Not sure if this is different to the hard enquiry made on XX/XX/2023 COMENITYXXXX XXXX XXXX Looks like both are from COMENITY bank but different products. I have never requested for any of these products and still hard enquiry is placed on my credit. 

On XX/XX/2023 created a XXXX accout online and placed a freeze on my credit and and also disputed the hard inquiry made by COMENITYCAPITALXXXX on XX/XX/2023. 

So finally I was able to place a freeze on all my credit bureaus but not sure why this is happening with COMENITY bank itself as I see both of the hard inquiries places are with COMENITY. 

Can you please investigate and guide me further on next steps.
Product: Credit card or prepaid card

This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : XXXX XXXX XXXX XXXX " How do I submit a dispute? 
{ Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone.

This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX,2021, XXXX ATLANTIC CAPITAL B added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX ATLANTIC CAPITAL has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

After using an organization " ONEMain Finance '' previously one year ago, I simply called to " INQUIRE ONLY '' to what options were available to me. In doing so, a SOFT Inquiry to my report was expressed ONLY. I initially had modest trust from a previous experience in 2021. That is obviously not an option now. 

After the conversation, I declined what options they were attempting to solicit. 

The VERY Next Day, this company " ONEMAIN '' SLAM my credit report with a HARD INQUIRY as a Retaliatory without my authorization. I was very upset and realized that not only are the rates and business practices dishonest, so are the reporting methods. 

XXXX was not able to remove this data and correct the obvious error and false record reporting of an unauthorized hard inquiry. 

OneMain XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It percieved XXXX and other credit reporting agencies have been hacked. Or Capital one has made an error. 

I dont see My Capital One credit card, on credit file. Or currently being reported is any history of capital one EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported capital ne as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This Capital one card, is an active credit card. I am including capital one on this complaint too. 

The bank, as credit furnisher has been reporting my capital one credit card to XXXX, every month since XXXX. XXXX and other agencies have ALL sent me credit files showing the capital one credit card as being reported with their company. Today the file and evidence of ANY history of capital one being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. XXXX responded claiming " the capital one is not being reported " and XXXX  cited " it is up to the bank to report ''. The very nature of the complaint was the fact that Capital one is reporting the card to XXXX, and the card WAS reported on XXXX file as resent as XX/XX/XXXX. Someone inside XXXX  has DELETED the card and evidence of the card being reported, or XXXX has been hacked, and lost data. Regardless, the card fell off record with XXXX, and no longer shows. As XXXX  says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of XXXX  that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from XXXX showing the capital one being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, Capital One, XXXX  XXXX XXXX DO report t credit agencies. Why then would XXXX in their responce claim they do not? XXXX pure and simple - has lost DATA, or been hacked. My concern is XXXX  and other agencies may have been hacked. If the XXXX is going to respond, claiming capital one is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is XXXX has been hacked, and lost the data in a data breach and any Evidence of the capital one card being reported. 

I request XXXX to resolve how they lost data. And how is it XXXX  claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from XXXX record - as the XXXX responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to XXXX as the XXXX  files shows, Why is it missing for XXXX all togeter today, and why is XXXX NOT CHECKING back on mail it has sent prir to my house showing the Capital one card as present. It is an active card.?
Product: Credit reporting or other personal consumer reports

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

A credit report agency Transunion report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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.