23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX was reporting my home as in foreclosure when it was not. They were trying to distort out of extra money and fees. I tried to hire an attorney, but they were trying to charge me too much This is what FHA was reporting : Thank you for contacting the FHA Resource Center. The information you requested in response to the above referenced service request number is provided below : If the information does not fully address your question, please forward this email ( do not reply ) to XXXX, and provide additional information so that we may better serve you. You may also speak directly to a customer service representative by calling XXXX ( XXXX ) or visit our online knowledge base at www.hud.gov/answers, 24 hours/7 days a week. 

Your question was regarding XXXX XXXX HUD has not paid an insurance claim in FHA Case # XXXX. Case # XXXX is reported to XXXX for being an FHA mortgage in Default. The lender/servicer Wells Fargo Bank NA is reporting to HUD that the FHA Mortgage XXXX in default as of XXXX XXXX with an oldest unpaid installment date of XX/XX/XXXX with the mortgage being 3 months delinquent. 
My house was in the process of being sold, it was on the market. They cost me thousands of dollars, right when I was about to close. I tried to hire an attorney, but it would had cost to much. 

I had to pay Lexington Law to clear-up my credit report due to Wells Fargo 's false reporting Dear XXXX XXXX Lexington Law Michigan requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to XXXX on your behalf. 

Items Challenged on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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.
Product: Debt collection

While at work, I realized my checks were short the last few weeks. When I checked my recent pay stub I saw that I had a creditor garnishment on there for the last 5 weeks. So after learning this I checked my XXXX XXXX credit report and saw that two companys I do not and have never did business with have around {$9000.00} total debt owed, one of which is XXXXXXXX XXXX for approximately {$4000.00} and I have never owed a XXXX account let alone a credit card. And the other debt is through a debt collection agency Lockhart Morris & Montgo for about {$5000.00}. I have never received any notification through mail or email or any credit app that this has happened and they are now garnishing my wage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX XXXX XXXX. Thus the account doesn't not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  charge card through Comenity Bank. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened aXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under account number XXXX  ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX ; a credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX XXXX a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX XXXX  a credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.
Product: Student loan

This claim is related to the complaint I filed against Wells Fargo XXXX. Instead of placing the loan in forbearance and removing all the negative damage they had done to my credit as requested they listed it as a charge off. Unbelievable. I think I will be closing the checking and savings accounts I have held there for the last 30 years. Really who needs a bank like that? XXXX too Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit reporting act XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Debt collection

I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with   XXXX   XXXX   and eventually went into collections with  Portfolio Recovery Assoc.  in  XXXX   2016  and is now an active wage garnishment since around that same time.
Product: Credit reporting or other personal consumer reports

hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few keep coming back as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

This originally started the first time I spoke with the company. Their representative was extremely aggressive when I told him I wouldnt give him my information over the phone because I hadnt received anything in writing. They have since called me numerous times a day, multiple times A MINUTE. I have had to get my number changed because of the number of times my phone was ringing while I was at work. For example, on XX/XX/XXXX they called at XXXX, XXXX, again at XXXX, XXXX, XXXX, then four times at XXXX. This pattern of harassment has been getting worse for weeks now but this is definitely as bad as it has gotten I finally just changed my number.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$1600.00} Bankruptcy Chapter XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

US bank is holding a {$200.00} Check Deposit with no explanation given. I have not overdraft or given them any reason to hold these funds. They are making the availability several weeks from the date of deposit. 
I have spoken to a branch manager who requested the hold be removed, which was denied. I have contacted them by phone several times which I have never got a straight answer. Only to be yelled at by a phone banker. They do not treat their customers well, and are going against federal regulations on funds availability.
Product: Credit card or prepaid card

Chase Sapphire Preferred card includes a roadside assistance benefit. I had an auto breakdown on XX/XX/11 and sought to use this benefit but was denied. 

The breakdown occurred outside of cell phone service. I had to hike to a yellow box emergency phone operated by the California Highway Patrol. The emergency phone was able to connect me to a tow company but could not connect me to Chase customer service to notify them that I was accessing the benefit. 

I paid the tow company {$360.00} out-of-pocket ( charged to the card ) with the expectation that I would be able to file for at least a partial reimbursement of the cost. When I contacted Chase to do this, they informed me that the benefit only applies if you contact Chase in advance of the tow. This was not possible in my situation. 

Chase does not qualify the benefit language by specifying that the benefit only applies when a car is traveling in an area where cell phone service or a pay phone is available. 

I called Chase and spent an hour on the phone trying to resolve this. In the end, however, they bewilderingly instructed me to contact the towing company for a reimbursement. The towing company does not owe me anything and is under no obligation to reimburse. Chase, however, is.
Product: Mortgage

BOA lack of due diligence to consummate a foreclosure in a timely manner on a property that has been vacate for 6 years. As a result this prolonged process is impeding my ability to progress in life and purchase a new home. The property has been vacant for 6 years and neither borrower has contested or taken steps to keep the home. BOA filed a judicial foreclosure in which the process is longer. A non judicial foreclosure would have settle this matter sooner when the initial foreclosure was filed in XX/XX/XXXX. 

XX/XX/XXXX - Last mortgage pymt made. 
XX/XX/XXXX - Separated from co-borrower, moved from the property and notified Bank Of America the property was vacant. 
XX/XX/XXXX - Foreclosure letter received from Bank of America XX/XX/XXXX - BOA substitution of deed request for foreclosure proceedings XX/XX/XXXX - File for divorce XX/XX/XXXX - Divorce finalized XXXX XXXX I filed chXXXX bankruptcy which included BOA XX/XX/XXXX - chXXXX discharge XX/XX/XXXX - Quit Claim deed file on property XXXX XXXX notice of default filed XX/XX/XXXX - Consent order of Judgement XX/XX/XXXX - Judgement for a Judicial foreclosure XX/XX/XXXX - No further actions have been taken and the foreclosure has not been consummated.
Product: Mortgage

Discrimination Chase had XXXX XXXX and I do two handwriting tests to see if were were forgers,. 

Never did XXXX XXXX, the notary who closed the loan, was made to do the handwriting test. Here handwriting is so distinct and pretty, there is no denying it. On the contracts she writes " mortgage '' and this is distinctly hers from the forged pages, page 16 and 17. Tere are handwritten notes she wrote to me, to get XXXX to sign the contract and initial it. He never did, he had nothing to do with my loan.
Product: Credit card or prepaid card

American Express advertised a promotional offer for the American Express Delta Gold card when I was purchasing flights on XXXX XXXX ' website. It was a welcome bonus ( 0 % APR for the first year, {$250.00}, and XXXX miles if I spent {$3000.00} in 3 months ) written in their advertisement. I was attracted to this welcome Bonus and recently came to know after checking my account that I am not eligible for that offer without any notice, and there was interest applied on purchases. I contacted American Express, and they said something popped up that said I was not eligible for a welcome offer. But they approved my credit card and didn't let me know I was not offered the welcome Bonus in any e-mail. I found this lack of clarity in informing customers of their intention. 

During our conversation today ( XX/XX/2022 ), they offered to waive the interest on the purchase, but I refused to take that offer as I thought this wouldn't solve the position of clarity.
Product: Debt collection

According to the Fair Debit Collection Practices ACT ( FDCPA ) 15 U.S. Code1692c and 1692g, it is your legal obligation under federal law to verify all accounts reported to credit agencies by physically validating the original signed consumer contract. I am hereby requesting verifiable proof of the following information : 1. I am requesting a copy of the original consumer contract bearing my signature for the account listed below, stating that I guaranteed the payments of this debt for the original creditor. 
2. Detailed payment history, including the last payment made to both your company and the original creditor.

3. Documentation of the assignment from the original creditor to your company, also bearing my signature.

4. Date opened and closed account status, and current balance owed to your company, accompanied by my signed agreement.

5. Acknowledgement and a copy of any insurance claims filed on this debt.

6. A copy of the written proof that you have the chain of title to collect on this debt from the original creditor.

Failure to provide this requested documentation within the parameters of the law will result in the removal of the accounts in question from ALL reporting agencies, as stipulated by the FDCPA regarding unverifiable accounts.

Removal if i am not provided with the requested information within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. Experian, XXXX, and XXXX have unlawfully and incorrectly reported the following accounts without my expressed authorization : EXPERIAN * ( XXXX ) Account Name : XXXX XXXX XXXX  XXXX Account XXXX : # XXXX XXXX * ( XXXX XXXX Account Name : XXXX XXXX  XXXX  XXXX Account Number : # XXXX XXXX * ( XXXX ) Account Name : XXXX XXXX XXXX Account XXXX : # XXXX * ( XXXX ) = ( XXXX accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.
Product: Debt collection

My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.
Product: Debt collection

On XX/XX/XXXX I received a threatening phone call from someone claiming they were a collection for a personal loan that I had with XXXX. They called me, and several relatives and threatened legal action and a call to my supervisor at work if I did not respond that day. I called them back at XXXX and asked the name of their company to which they claim to be National based out of XXXX Georgia, they would not give me an address. They forced me to make a payment that day and to enter into an agreement to pay them bi-weekly in the amount of {$480.00}, if I did not agree they would proceed with legal proceedings and I would be responsible for {$15000.00} instead of {$7300.00}. When I asked for a written validation notice stating they are the owners of the debt they told me to call back in a day as they are a proceedings office not a debt collector and they needed time to get me the letter. Then when I called back on XX/XX/XXXX they said that they can not give me anything in writing until I pay in full due to " specific performance law ''. When I asked for written proof or a statement I was asked " well why did you agree to it and it was your responsibility to pay ''.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to to fulfill their advertised promises.