23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my home.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Prepaid card

I received this card from NJ department of XXXX for my maternity leave. The bank provider of this debit card is Money Network located in po box XXXX, XXXX, XXXX XXXX. I was using the card to receive my benefits. It was a debit card with a XXXX dollar daily withdrawal limit within a XXXX hour period of time. I can not withdraw more than XXXX dollars within a XXXX hour period unless I transfer the money via the bank mobile application. 

On XX/XX/2024 at XXXX am there was an unauthorized withdrawal made from my account at XXXX am. This was a fraudulent transaction made, and money network should not even have allowed it to be processed since I had already withdrawn XXXX dollars on XX/XX/2024 at XXXX pm. 

Upon seeing this transaction I immediately called to request a new card and file a fraud claim as it is not possible for me to exceed a withdrawal of XXXX / XXXX hour period. When speaking with money network they even confirmed that there is a daily limit of XXXX on my card. My claim was initially denied, and I have been calling every week for nearly XXXX  months now with no progress on processing my claim. 

Every time I call they give me new instructions- telling me to fax a new form or mail the paperwork which I have done many times already. This bank has a serious security flaw, and history of fraud with their debit cards. 

I would like assistance with completing my claim and receiving my {$500.00} as not only was this a fraud transaction but this was also a complete failure by the bank to adhere to their account daily limits and security promises. Furthermore they failed to process the claim in a timely manner causing me emotional hardship while I am caring for my newborn child. 

Please let me know if you require any additional information and I will happily provide. Thank you for your help in investigating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had late payments on my XXXX XXXX  XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Product: Debt collection

XXXX XXXX, has been Attempting to collect on a Debt in a location where I do not reside pursuant to 15 USC 1692b. And also not Validating the debt that they say is owed Along With 15 USC 1681 section 604 A section 2. States that a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 section 602 A. States that i have a right to privacy Failure to give prior consent for attempting to communicate pursuant 15 U.S. Code 1692c Failure to provide notice of consent on initial communication pursuant to 15 U.S. Code 1692 ( k ) All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k )
Product: Credit reporting or other personal consumer reports

Wells Fargo refused to comply with 15 USC 1602 ( p ). My Social Security number is a credit device, in which they utilized to my detriment. 15 USC 1602 ( p ) defines " unauthorized use '' of a credit card as when someone other than the cardholder uses the card without their permission and the cardholder doesn't benefit from it. Their actions constitute unauthorized use of my credit card/Social Security/EIN number . I received no benefit for their unauthorized usage of my device.

I gave them 3 options to remedy their violation which were : 1. Approve my line of credit that I have extended to their corporation.

2. Pay my fee of {$25000.00} for unauthorized hard credit card inquiry without benefit to me in exchange 3. Remove the hard inquiry that your company initiated.

They chose to not resolve the matter and are in non compliance with 15 USC 1602 ( p ).
Product: Checking or savings account

On XX/XX/XXXX at XXXX I went an an atm and tried to withdraw {$280.00}. The atm shut off and did not give me my money and I called cash app and they hung up on me and tell me they are closing my case.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries Due to Identity Theft Dear XXXX, TransUnion, and XXXX, I am writing to formally dispute all unauthorized inquiries listed on my credit report as a result of identity theft. I did not authorize these inquiries or any applications for credit that led to them. 

The details of my dispute are as follows : These inquiries are fraudulent and have negatively impacted my credit score.

I kindly request that you remove all unauthorized inquiries from my credit report immediately. 

I also request that you block any future fraudulent activities from being associated with my credit file by placing a fraud alert or security freeze, as necessary. 

Please confirm in writing when the unauthorized inquiries have been removed. I can be reached at [ XXXX ] or [ XXXX ] if you require any additional information to process my dispute. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've had my identity stolen about a few months ago in which I received a police report as there was a stolen car loan opened in my name for about {$39000.00} through XXXX XXXX XXXX XXXX. I have completed all the necessary requirements and paperwork to send to transunion as XXXX and XXXX have removed these delinquencies however, transunion fails to meet my demands and respect FCRA laws and 15 USC Laws. There are countless violations in which as a victim I have submitted proof of the fraud I don't even have the car that was acquired nor do I know as well as there is no proof of payments from my behalf or acknowledged receipts that I knew about this. As soon as the car was bought it immediately went into charge-off and based upon my credit report I have never had a delinquent account as my credit is really important to me. I have complained to the CFPB about 3 times and if this last complaint does not help me I will have to reach out to the attorney general to get this taken care of as it has been about 3 months and I am tired of my rights being violated and fraudulent information being furnished on my credit report against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, XXXX # XXXX, and TransUnion # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with National Credit System. I do not have a contract with National Credit System. They did not provide me with the original contract as I requested.
Product: Debt collection

On XX/XX/XXXX, I purchased a textbook rental for {$110.00}. On XX/XX/XXXX, I submitted an order to purchase the payoff amount for the textbook for {$100.00}. These two purchases total {$220.00}, which was the full purchase price of the textbook. According to my records, the payoff amount of {$100.00} was already remitted to the XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX attempted to charge my account {$260.00} for this same textbook, which is egregiously erroneous. On XXXX XXXX XXXX  FCR Collection Services sent an email stating that the XXXX XXXX XXXX XXXX XXXX is its client and that the email is an attempt to collect a debt and any information obtained will be used for that purpose. 

Between XX/XX/XXXX and XX/XX/XXXX, FCR Collection Services identified my account number as XXXX. Then, the account number changed. Between XX/XX/XXXX and XX/XX/XXXX, the company identifies my account number as XXXX. These alterations in identifying my account with XXXX XXXX XXXX XXXX is misleading and a possible violation of fair collection practices. For example, if I paid an amount under one account number, FCR Collection Services may turn around and double charge under a different account number. 

According to my present understanding, I can not trust the credibility of FCR Collection Services to settle this disputed amount. Furthermore, I can not trust XXXX XXXX XXXX XXXX XXXX to settle this disputed amount because it attempted to charge {$260.00} in addition to the {$110.00} that I already conveyed to the XXXX XXXX XXXX XXXX XXXX. 

Therefore, I request a good faith management of the disputed amount pursuant to the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I had two account secure and unsecured never missed a payment for both, credit score was excellent, paid all my bills on time, I received a decrease on my score, because citi reported I missed two payments three years back which was false so I contacted citi, a rep said they will send me a letter showing that i didn't missed no payments, I waited entire month, so i called again, rep said its been mail give it time i knew it was a lie, so i contacted CFBP, after they were contacted by CFBP the following week my unsecured card was decreased, this was their retaliation because I contacted CFBP, but it didn't end there, they closed my account and I called I was told by a rep that they mailed out a letter, I got the letter three weeks later stating my account closed without any reason, so I called citi card and this time I spoke with management who then told me they don't have to provide a reason, so, I contacted CFBP again and CFBP contacted citi again and a week after CFBP contacted citi and me still paying my monthly payment on my secure card, that account was closed and an email on the citi app and letter stating my accounts are officially closed and I need to unlink my accounts from their app
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Credit Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit card or prepaid card

I was made aware of a potential fraudulent double charge on my credit card on XX/XX/XXXX. Synchrony bank called me to alert me. I had not been to either store or location when told about the charges. They immediately closed my card and began investigation. I was alerted three weeks later that they denied my claim saying I potentially benefitted from the transaction. I immediately called to speak with a supervisor and we discussed the purchases, locations of purchase and times of purchase. I have never been to XXXX Georgia nor those stores which I mapped were in the same shopping center. They agreed there was not a proper investigation and reopened the fraud claim on XX/XX/XXXX. However, on XX/XX/XXXX I was notified with a letter that said it was denied saying I potentially benefited, participates or Authorized the purchase. Again I did not purchase anything from XXXX XXXX for {$190.00} not XXXX  for XXXX. I only use an app for XXXX and it is linked to my XXXX  not this MasterCard.
Product: Mortgage

I applied online to my bank Chase for a refinance and payout of some equity still maintaining roughly 20 percent at least in home equity. I was informed of new rules put in place recently that no money would be lent unless a credit score of XXXX  and 18 months of liquid assets ( in their accounts ) to make the new payment. Obviously this requirement only allows the wealthy and not the middleclass or poor to borrow from this bank anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and equifax many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired oXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX Inquired on XX/XX/XXXX LEASE END Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Purchased prepay phone service from XXXX in XX/XX/2022 phone service did not work good in my area so I didn't purchase another prepay card, called XXXX to release my phone number so I could connect to XXXX prepay service, XXXX XXXX XXXX I received a letter from Convergent Outsourcing, XXXX for XXXX and XXXX on XXXX demanding XXXX or they would send me to the credit bureau, I've spoken with XXXX both times after receiving the letter and their response is to just disregard the letter because they don't send paper statements out, but the letter states that by XXXX they would place it in collections, is this legal and can they get away with ruining people 's credit for monies they don't owe, remind you it's prepay service i never sign a contract with XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX ( last month ) I was checking my credit accounts looking for anything not looking right. I have had 11 times in 18 months had charges on my debit cards not made by me. I spotted 3 accounts not mine at all and I filed an Identity theft report immediately. And then I disputed those on experian. I sent them the FTC report I put all the accounts in the dispute and a copy of the FTC report my driver license ssn and utility bill or bank statement to prove my identity So I have done everything i was told to do. I get 2 letters from them in the mail stating they have my ftc report and that they still need more info or my identity theft accounts would remain and not be blocked. The " more info '' made no since to me as they were asking for all pages to the ftc report and verification from law enforcement agency that a report was filed. They dont know that FTC is law enforcement.But I had already sent them all the pages from FTC report and when I called to ask what more pages do they need me to send please clarify they gave me answers like '' just wait 30 days for the investigation to end and you get a report from us. and im not going to put all the XXXX answers I got in here because this is just too much for me to type in here..And makes not 1 bit of since. So then a few hrs later I get an email saying AGAIN a report was updated nothing removed just remained in my file unchanged reporting the fraud accounts. 

and the other Credit account that is mine XXXX that was reported as charged off not paid when in fact it was paid no amount should have been on it at all for charged off amount. I have received 2 emails from Experian telling me my account was updated. 
and was not changed. 

I have proof the XXXX was not unpaid, XXXX  has it marked closed paid in full. 

I have done all I can do This CRA is abusing their power over me by giving me the run around to get things done and all they do is send email telling me they updated an account. They did not investigate anything. They just ran a code and no human was ever contacted. Their updates reflect no changes to my reports. I pay for this and I get treated like im nobody. They are in violation of the FCRA ( 605 ) B and I demand they block information that was acquired as a result of fraud. The only other thing left to do is take them to court and sue them. 

I also in a rush to get this info to them added 1 account that should have not been in the mix, I did not report it in FTC report but ADDED IT IN THE RE [ PORT TO THEM by accident when I was uploading from my computer to their website. I could not think of what that one was called and they refused to tell me.They only said that a account that was sent to them was not in the FTC report so there will be no changes to that account. 
Real nice people. .. They do nothing to try and help. tHEY only make matters worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to have many negative impacts on my credit, despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request an immediate investigation and removal of this item as it is incorrect and does not reflect my true credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Closed my credit card and I disputed it without any valid reasons. My husband joined a freedom debt relief to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then XXXX sent my account into collection with a company called GC Services Limited Partnership acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my XXXX CC that is closed with auto payment from my XXXX Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. XXXX reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted XXXX, GC services by phone, mail and fax numerous times. 
I contacted GC Services as XXXX would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to GC Services and still continued my monthly payment. I contacted my real estate agent to get advise about what GC Services told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
XXXX sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.