23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date
Product: Credit card or prepaid card

On XX/XX/2023 I called bank of america prepaid services claim department to check on my claims and bank of america said on XX/XX/2023 one claim got approved but that it was a missing credit. I still have not got paid for any of my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items I feel is not correct with LexisNexis in return the said the items was correct then I in return I asked them was there method of verification and refused to share that information with me. I then send out another letter asking for the method of verification on XX/XX/20 they received it on XX/XX/20 and have failed to respond which I feel is a violation of fcra
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did on account Account : XXXX Account # XXXX. I have inaccurate dates for my open date, last reported, last active, and last payment. Under the fair credit reporting act, convergence of this account has violated my rights. Another law they violated is 15 US Code 1681a ( 2 ) A ( i ) I know the law and experience and transactions are not supposed to be put on consumer reports, these disputed items must be deleted from my credit record within 30 days. I want all repos and late payments deleted from my account because it is not XXXX percent accurate, You have listed multiple dates.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Shop Your Way XXXX regarding their recent actions that I believe to be unjust and potentially unlawful. 

Approximately XXXX to 4 months ago, I received a letter from Shop Your Way XXXX stating that they were raising the interest rate on my credit card to 34 %. To my surprise, I was also informed that my account was being closed without prior notice. Confused by this decision, I contacted customer service, where I was informed that this action was based on information obtained from a credit bureau, which I did not authorize. 

I have held this XXXX for about XXXX years and have consistently maintained an excellent credit history. I did not give consent for Shop Your Way XXXX to access my personal credit history, and I believe this unauthorized inquiry is a violation of my rights as a consumer. 

Furthermore, I have attempted to contact customer service multiple times to address this issue, but the automated system fails to recognize my account number, resulting in disconnections. This has made it extremely difficult for me to resolve my concerns. 

Given my long-standing positive account history, I request that my credit card be reinstated immediately. I also urge the Consumer Financial Protection Bureau to investigate Shop Your Way Mastercards practices regarding unauthorized credit checks and account closures without proper notification. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Experian is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep Sending me Stall tactics. Experian This account fishtail financial is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete .. This account is reporting it has Late Payment in payment history but the account Has Been closed for years this a violation. I Sent proof Of my identity Theft report. Certified letters. I ask them to Send me burden of proof Methods of Verification nothing have be done at all only violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with XXXX for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. XXXX IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXX XXXX  All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!
Product: Debt collection

I am being billed {$57.00}, of which {$34.00} is collection fee, not valid medical debt. I have stated that I will pay the medical debt but not the collection fee. I was reported to the credit bureau.
Product: Vehicle loan or lease

I sold our car last year on XX/XX/19 and immediately attempted to cancel the Vehicle Service Agreement by contacting the dealer we bought the car from. every time i was directed to contact the finance department where i left countless voice mail messages. i have never heard back from them once to help me. There has been complete silence from the dealership
Product: Credit reporting or other personal consumer reports

XXXX US BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH US BANK FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, US BANK HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX BANK REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

US BANK Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX US BANK Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX US BANK Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.
Product: Checking or savings account

I had an old account and I would like to close that account and get whatever is left on there. I tried the support center but they couldn't help me. I would like to keep my current account but close and get any money I may have left on there. I know it's {$200.00} on there for sure.
Product: Credit reporting

I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.
Product: Debt collection

This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. XXXX and XXXX needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.
Product: Prepaid card

For months now I have not been able to use my gift card for {$50.00}. I have called American Express, and they say try it somewhere else. I called again today ( XX/XX/2024 ) and again they will not send a replacement r fix the issue. Still not working anywhere.
Product: Debt collection

Company has harassed me about this debt via calls, text and emails. Even called my job and Sold my information to a third party. I didn't consent to anything this has gone on since XX/XX/2022. 

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

On XX/XX/XXXX, we were contacted by XXXX XXXX at Freedom Mortgage who informed us our VA Loan was eligible for an IRRR. We completed the paperwork to lock in everything on XX/XX/XXXX. On XX/XX/XXXX, I reached out to XXXX via email because we had received no update. We were contacted on XX/XX/XXXX to schedule our closing. It was scheduled for XX/XX/XXXX and we were told to not make the XXXX payment. The week prior to XX/XX/XXXX, we were contacted by XXXX XXXX XXXX to confirm the appointment and get our gate code. On XX/XX/XXXX, we received the appointment reminder email. On XX/XX/XXXX, the appointment time arrived and no one showed up. We contacted XXXX XXXX XXXX and were told that the notary was not coming because there had been a discrepancy in the closing disclosure and although it had been resolved, the paperwork did not arrive in time for the notary to get everything. We were told we would be contacted for it to be rescheduled. I also emailed our Loan Officer, XXXX XXXX. I was contacted that evening by a customer service person apologizing for the issue and letting me know that it would get rescheduled. 

We heard nothing back from anyone. On XX/XX/XXXX, I sent an email to XXXX asking about the appointment getting rescheduled. He replied 'I will get the scheduling team to call you today. I was unaware, my apologies. I will handle this now '. A couple of hours later, I received a phone call from someone asking when I was going to make our XXXX payment. To my surprise, I was told we needed to make the XXXX payment or our credit would be dinged. We didn't make the payment at the request of Freedom Mortgage and they failed to do their job. Even after escalating the issue to XXXX XXXX, we are being told we have to make the XXXX payment to avoid something being marked on our credit. And, that we have to make the payment to be able to move forward with the IRRRL. This is absolutely absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

<b>I AM WHO I SAY I AM. I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 USC 5511 ( c ) ( 2 ) <b> I mailed my notarized certified letter to Equifax ( a Reseller With File ) including my Driver 's License, utility bill, copy of Social Security Card and my FTC report detailing the fraudulent accounts. Equifax ( a Reseller With File ) received my notarized certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and Equifax ( a Reseller With File ) has yet to block the fraudulent accounts within 4 business days pursuant to 15 United States Code 1681c-2 Block of information resulting from identity theft.

( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EQUIFAX IS A " RESELLER WITH FILE ''. ITS SOLE OBLIGATION IS TO BLOCK FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT RESULTED FROM IDENTITY THEFT. PURSUANT TO 15 USC 1681c-2 ( d ) ( 2 ).

( 2 ) RESELLER WITH FILE The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
15 USC 1681a ( u ) - The term reseller means a consumer reporting agency that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Public Law and Statutes ( Pub. L. 90321, title VI, 605B, as added Pub. L. 108159, title I, 152 ( a ), Dec. 4, 2003, 117 Stat. 1964 ; amended Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), July 21, 2010, 124 Stat. 2087. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, I received a letter from XXXX XXXX XXXX stating that I won the amount of XXXX . Their only requirement was to show up at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Texas XXXX to claim my price. 
Once I got there, they asked for my personal information to make sure that I was the winner. After several minutes of waiting they told me that I wasnt eligible for the promised XXXX . Right after that disappointing they tried to sell me a car, which I didnt wanted. Thats when Ive noticed that it was all false advertisement and left the place. What upset me more about this situation was the fact that they ran my credit twice that day without my consent. Now Ive noticed that there is two unwanted inquiries on my credit report, under the name of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having some issues with Discover credit bureau for a little over a year now. I reached out to them via email at their card member services website back in XX/XX/XXXX after I noticed that they had never reported any of my payments to them on my credit. I never received a response as well as after reviewing my credit again have discovered there was no action taken to report. My last payment to them was in XX/XX/XXXX for {$250.00}. I also spoke with a representative recently, on XX/XX/XXXX, about settling my account, In the conversation I asked the representative to email me a copy of the settlement agreement for my records, He advised me to make a copy of the conversation, confirmed my email address, and stated that they would email me the settlement agreement. The settlement agreement was never sent to me however. attached is the file i saved as a copy of the conversation.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack any information on them, and the company proceeded without my authorization.
Product: Credit card or prepaid card

Capital One handles the credit card processing for Menards. 

Until XX/XX/2021, our payment for the full amount of the credit card bill would be processed in 2 business days through our bank. 

Starting in XX/XX/2021, our payment now takes five full business days to process through to Capital One/Menards. This change means that the money leaves our account on XXXX XXXX but is not " received '' until XXXX XXXX, the due date for this coming month. 

I believe that the credit card company is making it as inconvenient as possible for us to pay directly from our bank so that we will use autopay through the credit card company, which would entail our giving them our bank routing and bank account number, adding a layer of additional risk to our banking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include DPD Office XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of World finance company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020they are still reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX