23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to investigate claiming that they already have and will not do it again unless I have new information. I have rewritten all of my dispute letters with updated information and they are still refusing to investigate and remove the inaccuracies on my report and credit file.
Product: Debt collection

XX/XX/XXXX diversified consultants reported as COLLECTIONS on my credit report for XXXX for {$210.00}. I only became aware of this by viewing my credit report. XXXX was charging me for invalid charges and talked to them several times on the phone to get it resolved and finally had to go to one of there locations at XXXX XXXX XXXX XXXX # XXXX XXXX , XXXX XXXX to get it resolved. They got it resolved and said if I owed anything it would be a couple of dollars and i would receive a bill if so. I never received a bill, a phone call or any type of notification. It was n't until I seen it on my credit report on XX/XX/XXXX and called diversified consultants and XXXX to get resolved once again. I paid diversified consultants immediately the {$9.00} & some change and told the gentleman I was on the phone with that I NEVER was made aware that I owed this {$9.00} & change or I would have paid for it and to please remove it from my credit. He advised me I had to call XXXX. I called XXXX and they said I had to call diversified consultants, so it was a back & forth game.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XXXX and XXXX XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.
Product: Debt collection

XXXX Open balance XXXX XXXX XXXX XXXX Original creditor This is all that shows up in my credit report. It's on TransUnion only. No address no phone number no original creditor no information nothing sent to me. I have no idea what it is.
Product: Mortgage

Started the refinance process in late XXXX, provided paperwork after paperwork. Went though the month of XXXX and though XXXX. They kept asking for more documents. I received about eight closing notices. Each time expecting to get the loan finalized. Then, I needed more documents. I would ask, do you need anything else, and they said no. Then, they needed more, I have many emails in which they tell me they have everything. Then, I get the loan is in final approval in the underwriting department, thought we were going to close. Then, no, needed information on my forbearance notification. This came after three months of telling me they had everything. Now, I get the forbearance thing was new, but after three months they didnt t know this?

I really think the loan officer was trying, but the underwriter kept asking for more. No one from the mortgage company tried to call my bank, on a three call to verify that the forbearance has been moved to the end of the loan. I would of hoped that they would have reached out to FHA or someone that was familiar with the process. 
Bottom line is I want my loan approved and we can move on.maybe you can tell them how to get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had first forensic DNA when no any one forensic DNA agency in XXXX, had training subject matter form XXXX XXXX XXXX XXXX. 
As Development nation XXXX Police and Army personnel unskilled in nature about Constitutional Rights and procedure amone civilian, it first disconnecting internet since XX/XX/XXXX to XX/XX/XXXX for their preference web I may permitted about it it several complain submitted ic3.gov no result. 
I had also A commitment between me and United States of America fund and technology but gangs blocking all rights inhere in XXXX, succession property interest with others income. 
Financial criminals unlawfully obtaining my property using several ways and I have received one email from USAA for E-Payment at my another email is XXXX at Sun XX/XX/XXXX, XXXX XXXX, i had tried to contact but sender was false, sender email ( XXXX ). 
to day XX/XX/XXXX I have participated online registration with https : //www.usaa.comXXXX and this agency get my all confidential data are date of birth, passport number all accurate but after completion web site replied false " We're unable to complete your request online. '' This type of Online Banking or Institution unlawfully transaction beneficiary property and as I am foreign person I am serious victimized against this powerful gang. 
Requesting investigation and action appropriate according to International law related analysis it corruption and Official Bribery and according to Statute of International Criminals Court it is International Humanitarian law violation.
Product: Vehicle loan or lease

On XX/XX/2022 THE HUNTINGTON NATIONAL BANK, received a Right of Rescission letter stating Congressional findings in regards to Title 15 U.S. Code 1635 Right of rescission as to certain transactions. THE HUNTINGTON NATIONAL BANK then replied, stating '' that the request to rescind the loan referenced above can not be honored '', we received this letter on XX/XX/2022. To be clear, we are stating that this account be rescinded, we are not requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I have a collection that is on my credit report with a {$0.00} with First Source Advantage and when I called to ask them to remove it, they stated that they have no accounts for me under my name or my social. No one there could give me an answer as to what this collection pertains to and who I could speak to to have it removed as there was no account they could locate to help me with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I received an email from XXXX XXXX XXXX stating that my loan for {$1000.00} was approved. I never applied for that specific loan. I logged onto XXXX XXXX and saw a connected checking account number from Bank of America. I do not have an account at Bank of America. I called to cancel at XXXX XXXX XXXX. I also called Bank of America to see if that account number exists. They refused to tell me and kept repeating that they don't have an account under my social security number. The account at Bank of America is fraudulent and whoever owns that account tried to steal money from me. I wanted to add that when I was on the phone with Fraud Department, they hung up on me. I called back, found out that the account does exist, and the fraud department absolutely refused to do anything about the customer that tried to take a loan out in my name and have the lended money deposited in their account. I have filed a police report, reported this to the FDIC, and the FTC. I need someone to do something about this, take it seriously, and investigate the account of the person who tried to steal from me. I have a screen shot from XXXX XXXX XXXX  with the Bank of America account number that does not belong to me. Please help and thank you.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.
Product: Credit card or prepaid card

Capital One has failed to process a credit for the fraud charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to two Address in NY on my XXXX Credit file. XXXX came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called Suntrust and they verified that they did not report this to XXXX of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice
Product: Debt collection

The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2019, LVNVFunding LLC as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to LVNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, VNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX. with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowes credit card ending XXXX is not being reported to the three major reporting agencies. I would like this reported immediately.
Product: Consumer Loan

I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with CAPITAL ONE, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I am submitting this complaint on the advice of my local Congressman 's office ( XXXX XXXX XXXX ) where I requested that he take action to initiate a House Committee on XXXX XXXX XXXX XXXX inequity and discrimination in the policies, procedures and customer service training at Capital One Bank XXXX I am not requesting action on my personal account which I finally succeeded in closing in XXXX. 

Here is the cover email that I sent to Congressman XXXX 's staff : XXXX XXXX XXXX you so much for taking the time to talk with me at the XXXX XXXX XXXX XXXX week. 

This is just to confirm that my concern with Capital One Bank is a systemic concern about their inequitable customer services policies and procedures, that clearly discriminate against any customer who is not white, rich, aggressive and articulate in XXXX ( unlike me ). 

As my lengthy interactions showed, their staff are clearly programmed to deny all Capital One responsibility for errors and to tell customers to contact a credit bureau directly. They steadfastly refused my requests to put in writing that they had corrected their error and that they had closed my account. Ironically, the only information that they put in writing was that they had lowered my credit limit. The two letters to CEO Fairbanks that I left with you contain the detailed interactions that led me to this conclusion. 

Lower credit limits and the resultant higher interest rates and damaged credit rating had no effect on me personally, but are a form of " red-lining '' for most of Capital One 's less advantaged clients- and most of your constituents. 

I am asking that Congressman XXXX raise this systemic behavior with the House XXXX on XXXX XXXX and initiate an investigation into Capital One Bank 's customer service policies, procedures and training. 

I will follow up on your advice to also contact XXXX.
Product: Mortgage

I am 3 months behind in mortgage payments on a rental property. I contacted the mortgage company to discuss options like short sale, deed in lieu of foreclosure, etc. The mortgage company refused to speak with me or even to transfer my call to the short sale or deed in lieu department unless I gave them my husbands social security number. I bought this property before I was married and my husbands name is not on the lien, the title, nor anywhere else related to this property. My husband and I do not file taxes together either.
Product: Credit card or prepaid card

XX/XX/2020 I withdrew XXXX from bofa and the atm only gave me XXXX I called files a claim and bofa froze my card and is shifting blame onto edd
Product: Debt collection

THIS IS NOT MY DEBT! i have attempted to contact and dispute for years with no response from the company. i have asked for verification with no proof sent to me.