23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Product: Mortgage

I have attached my complaint as a signed PDF. The Bank of America is systematically taking my money and holding the money to be applied in the future and meanwhile charging me interest on amounts already paid. The Bank of America currently has charged me extra interest in excess of {$740.00}. 

I have two other outstanding complaints thru CFPB. One I have heard only that the Bank of America needs more time, and I have no response on the other complaint. The Bank of America has failed to respond to two letters. I have opened numerous cases without satisfactory resolution of them. I have sent electronic messages and have not received proper response. The Bank of America resolution specialist has failed to address any of my requests and has falsely accused me of not discussing my concerns.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # 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

XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR XXXX YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
Product: Mortgage

I applied for a modification over two years ago. The modification was approved. Both Mr. Cooper and myself signed a modification agreement. Ive been trying to make payments ever since then and they havent been rejected my payments when I sign into my account online doesnt show up the old number, which was transferred to the modified loan shows up, but not able to make payments on it Reported to the credit bureau despite the fact that Ive made numerous attempts to make payments so they ran my credit and also continually charging me interest, even though Im trying to make payments. This is fraudulent and causing damages to me. 
In XXXX of last year, they had a cyber security incident where the system was hacked. They said that we would not be responsible for any late payments and their system was locked down this Im still being reported as late even though theyre not accepting my payments and I dont have access to my account as an additional contributing factor
Product: Debt collection

There existed a consumer transaction between me and the original creditor for service and goods. Upon XXXX out that fraud was involved and that full disclosure was not given to me, a letter was sent to the original creditor. After not receiving proper explanation for the fraud and non- disclosure of the terms of the consumer contract a tender of payment was sent to the original creditor according to XXXX XXXXXXXX for the complete amount of the debt with a conspicuous statement stating what to expect upon redeeming the tender of payment. This offer was not dishonored, but instead redeemed for the full complete amount. After this the original creditor decided to sell the debt to a 3rd party debt collector non- affiliated entity named MIDLAND CREDIT MANAGEMENT , INC. After this I started receiving threatening/ harassing letters in the mail from this 3rd party Non - Affiliated legal fiction. I sent a debt validation to them asking for them to provide contract binding me to any sort of obligation with an affidavit included. This request was ignored and the affidavit was unrebutted and only sent documents that did not bind me into a contract with them. After this they decided to go get a warrant in debt further committing identity theft and hired a law firm for a debt that I have no contract binding us together and now is threatening my personal property with garnishment. All applicable laws are attached.
Product: Mortgage

I had previously filed XXXX complaints against Seterus - XXXX and XXXX regarding unethical and illegal practices. After filing the last compliant, I sought assistance from an HUD approved agency, Washington XXXX XXXX for foreclosure prevention. We completed and submitted a complete package to Seterus. Seterus responded with a letter ( attached ) dated XXXX XXXX, XXXX with a payment agreement. The first payment of {$1300.00} was due on XXXX XXXX, XXXX. On that date, I called to make the payment and was informed the letter was sent by mistake and I had to pay {$3900.00} to keep from moving the foreclosure ( letter attached ). Because I have a lot of equity in my home, it would be an accelerated foreclosure. The least amount I could pay to prevent this was {$3900.00} on that day before going into a new month. Under this threat and pressure, I authorized the payment for that huge amount and then borrowed to cover the funds. Acknowledgement of payment on XXXX/XXXX/XXXX is attached. However, on XXXX XXXX, XXXX, I received a demand letter of foreclosure due in less than 30 days on XXXX XXXX, XXXX ( attached ). I have sent numerous complete packages to Seterus and after I submit a complaint for non-response to my request, they say something is not complete. Problems have been going on since my account has been with Seterus such as saying I had declared bankruptcy ( which I never have ) saying I was in foreclosure ( when the account was current ) increasing monthly payments, etc.
Product: Credit card or prepaid card

Citi Bank is artificially keeping my card maxed out. I had a {$10000.00} limit, I got my house ready to sell recently and incurred a lot of expenses and maxed out a couple cards. I just got the funds for my house and paid down my cards by a total of {$25000.00}. I paid down the citi card by XXXX, and the INSTANT the payment clears I get an email that states they lowered the limit to the amount I had just paid the card down to and it was because of my credit score. But now Im stuck in a catch-22. I cant improve my score because they have both lowered my limit and kept the card maxed out artificially, and I cant keep the limit where it was to improve my credit score. I just wanted to keep my limit where it was so I could get my credit score back up and they are now preventing me from doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR CHILD SUP XXXXXXXX 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 or other personal consumer reports

on XX/XX/year>2025, I called Experian and asked for a representative. Could he please remove any/all dispute remarks next to each account on my Experian credit report, the representative then asked do I agree with the remarks next to the accounts and I said no, then representative told me there was nothing he can do for me and then representative abruptly hung the phone up on me. I called back several times and same thing happened, I called again and asked to speak to a supervisor and instead of allowing me to speak with a supervisor I was hung up on again. Im asking that the remarks next to each account on my credit report be removed immediately because the most sort of remarks are untrue. Experian is trying to force me to agree with their remarks in order for them to remove them, which is not fair. I do not agree with the remarks, and it is unfair to force someone to agree with something that they feel is untrue z & far from the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX  XXXX, TX XXXX DPT ED/XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate 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 XXXXDate 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
Product: Debt collection

I filed an original complaint against XXXX XXXX  and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by Mendelson Law Firm in XXXX Tennessee Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency MENDELSON LAW FIRM that I don't have a contract with and the " Law '' representative won't speak to me or contact me to discuss this illegal process. I have reached out to them and no response on several attempts.
Product: Debt collection

The company put this on my credit report without notifying me of the debt, did not give the right to disputed, and reinserted an old debt as new debt on my credit file without giving me a five days notice first.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX  XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

XXXX XXXX XXXX Bank and Zelle Banking XXXX 's Checking Acct. Ending in XXXX Date From To Amount Reference num. Notes XX/XX/scrub>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 received fund, she lives in MN. Scam/Fraud Called XXXX XXXX to XXXX she return fund of {$XXXX} she laughted and said no then hung up on me!!!!!!!!!!!!! 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX XXXX  to fill a claim against XXXX XXXX for scamming me oXXXX. XXXX XXXX  thats when I got the Claim number. XXXX said because of the XXXX we need to wait until XXXX to see if it is rejected by XXXX because of the claim. 
XX/XX/year> XXXX XXXX Claims XXXX Spoke with XXXX from the Claims Dept, Per XXXX the {$XXXX} went through. 
XX/XX/year> XXXX XXXX  XXXX XXXX then gave me the Zelle  XXXX # XXXX. I called Zelle, XXXX XXXX XXXX XXXX not help. She said go back to XXXX Bank and ask for the Zelle  support XXXX. well I was informed by XXXX  that their is NOT A XXXX  ZELLE  SUPPORT DEPT. 
XX/XX/year> XXXX XXXX  XXXX XXXX Received a Denial letter no adjustments will be made XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX @ XXXX re : reopening claim # XXXX Stated I need to speak with XXXX ( Supervisor ) XXXX transferred the call to XXXX. 
XX/XX/year> XXXX Bank XXXX XXXX ( XXXX ) XXXX S/W XXXX @ XXXX, Per XXXX ( Supervisor ) Claim was NEVER reopened. XXXX ( XXXX ) Keeps going to the Origin. Claim # XXXX Denial letter dated XX/XX/year>. XXXX ( supervisor ) Told me to call Tech XXXX XX/XX/year> XXXX Bank S/W XXXX XXXX XXXX XXXX, XXXX gave me the steps to get the History of XXXX 's XXXX XX/XX/year> As of XX/XX/year> XXXX Bank keeps blaming Zelle  and Zelle  XXXX XXXX Bank XXXX 

XX/XX/year> XXXX XXXX Today XX/XX/year>, I will be filing a case to the CFPB for FRAUD against XXXX Bank and then for Zelle. 

XXXX Bank complaint XXXX XXXX
Product: Credit card

Discover Bank : Account No. is XXXX ( {$7600.00} ) has violated my rights. And this card was open with stolen information & needs to be removed. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

XXXX loan application was processed with EMM Loans LLC XXXX I spoke to XXXX XXXX. He advised rate was XXXX with XXXX points. Did tell me hed lock either the next day in the morning or the day after as he was expecting rates to drop. I asked him 2x if theres a risk of an increase, he said absolutely no. Loan process continued. Original loan disclosure has rate at XXXX with no fees to buy the rate. 

Multiple people from EMM Loans reached out asking for information, at times 3x for the same information.

It was disclosed from day 1 that I would be closing from Florida while my husband would physically be in Texas, where the property is located. 

Loan was scheduled to close on XX/XX/XXXX. On evening of XX/XX/XXXX after becoming increasingly alarmed that I could not get a hold of XXXX, I reached out to VP XXXX XXXX via text. He responded that it was after hours on a Friday and hed look into it on Monday or over weekend. Later sent text that we were closing on XX/XX/XXXX as scheduled. 

On Monday XX/XX/XXXX, received a call from yet another person, XXXX XXXX. He indicated that I would not be able to close remote and would need to give my husband POA to close on my behalf. I refused, he then suggested that my husband give me POA to close in Florida. I indicated Id check with my husband and he was going to confirm that could be done and work on getting POA drafted. Did not hear back. 
On XX/XX/XXXX, I received the 3 day notice of disclosure. There I learned that I would have to buy down the rate to get 5.5 % and that my loan rate was never locked. The lock document says XX/XX/XXXX. 

I asked for a call. XXXX told me that there wasnt anything he could do with current interest rates to change them and that he did not know what XXXX had done. He indicated hed call me back, he did not. I did not sign the 3 day notice. 

I reached out to XXXX XXXX on XX/XX/XXXX to cancel the loan. In a subsequent call with the title company, they advised that it would have been perfectly fine for me to close remote via Zoom and my husband would sign physically in Texas. Indicated it was a common practice. 

I have a financial loss as a result of the inappropriate handling on my loan by the team at EMM Loans. I paid a credit check, an appraisal, inspections and {$3900.00} in escrow to the seller. I am also at risk of the seller coming after me for additional monies, per my realtor, as the house has sat off the market for just over 6 weeks.
Product: Credit reporting or other personal consumer reports

My name is incorrect on multiple accounts and these are still showing up on my credit reports after multiple disputes. My credit information was also breached and Im not sure if this has impacted my information or scope
Product: Debt collection

I formally demanded the purchase agreement for an alleged debt that LVNV has reported to my credit report. The item in question pertains to an alleged debt ( account # 's XXXX, XXXX ) that LVNV claims to have the right to collect on. However, despite my repeated requests, the last being XXXX  via the CFPB portal, LVNV has failed to provide the necessary documentation, specifically the purchase agreement used to buy this debt that would substantiate their claim.
Product: Money transfer, virtual currency, or money service

Made some some transactions though XXXX and the amounts were incorrect
Product: Payday loan, title loan, personal loan, or advance loan

I made two disputes against XXXX and XXXX XXXX and they refuse to give me my money back because I received empty boxes and the loan was through Affirm and Affirm also refuses and they damaged my credit by falsely reporting it to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Please update ASAP.
Product: Checking or savings account

I have four accounts with Chase Bank - two checking accounts and two savings accounts. My son 's name is on one of the checking accounts but the other three accounts are only in my name. 
On or about XX/XX/2023, approximately {$5000.00} was pending withdrawal from my checking account and approximately {$1000.00} was pending withdrawal from the checking account that has my name and my son 's name on it. Neither my son nor I made or authorized these withdrawals so I immediately notified Chase Bank and they told me that, because I caught these transactions while they were pending, they would likely be able to stop the withdrawals. They told me they would freeze my accounts. They did not stop these withdrawals and only froze one of my four accounts. 
The following day, on XX/XX/2023, a female entered a Chase bank branch in Texas and added her name to the four accounts. She used a fake I.D . and impersonated me and withdrew {$10000.00} cash from the teller. I do not know this person and I never authorized anyone else to be on my accounts. I live in Arizona. Over the last 20 days, this person has withdrawn approximately {$62000.00} from my four accounts while I have been unable to access any of my accounts. Chase unfroze my accounts at least three times which is how she has been able to continuously withdraw my entire life savings. Meanwhile, Chase is refusing to investigate until I can convince the police departments in Arizona and Texas to open an investigation and send Chase these documents. I have heard that a bank must investigate suspected fraud within 10 business days and must provide me access to the amount of the stolen funds if they determine that the withdrawals were fraudulent. 
It has been15 business days since I first notified Chase of the initial fraudulent withdrawals and since then, I have been unable to access any of my money, have only received a credit of {$200.00} from Chase, spent an extensive amount of time talking to Chase representatives in person and on the phone, plus police departments in Arizona ( where I live ) and Texas, plus creditors, and Chase continues to stall and will not provide me access to the amount stolen. Please help me.