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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft due to the Equifax data breach and the XXXX XXXX data breach. I notified all of the credit reporting companies of this and was met with push back. Equifax stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?
Product: Debt collection

Synchrony Bank has continued to harass me though my consumer reports and letters, they disturb my peace, disturbed my health, continues to threaten my reputation, and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus, a responsibility they assumed and was never given to them. 
I have sent a debt validation letter by certified mail which they have never returned filled out. They have also discriminated against me for exercising my rights, pursuant to XXXX XXXX XXXXXXXX XXXX ( XXXX ), Synchrony Bank closed my care credit account, which was in perfect standing and had a credit line of {$500.00}, and also without my consent have closed my XXXX XXXX credit account which had a limit of {$4000.00} also after requesting and sending a proper debt validation request, which they never replied to. They after acknowledging receipt of my cease and desist have continued to cause harm to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despiteseveral written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Product: Checking or savings account

Have contacted US bank by phone ov

er five times on different days now to try and understand why my externals transfer 's ability was suspended. Ridiculous, over five calls and the issue is not fixed. Told twice by reps that the hold was removed, and should work within 24 hours. That was several days ago. After 48 hours, called again, spoke to another rep, who said it should be removed within 24 hours. Absolutely ridiculous, unable to transfer money from my bank account to my other bank accounts. Such poor customer service, that I've had to call over five times, spend over 15 minutes on the phone each time, and told that the issue is resolved, which is
clearly wrong, or a lie.

US bank need 's serious overhaul, fix of their procedures, and representatives knowledge. No customer should be locked out of there account for no reason for multiple days, with multiple representatives giving wrong and incorrect information.
Product: Debt collection

There is no reason to why I would have an account being owed money to a collector. Especially with an obscene amount that I wouldnt even know about. Tried contacting the company in the past about what is owed and they cant even find where the money would be getting pulled from. I paid the hospital directly and now because of some lost communication artstrat now wants the same money I paid hospital.
Product: Mortgage

To whom it may concern : I have lived in the state of Florida all my life and am an active member of my community. I provide public service to my church and have served my country in the XXXX XXXX as a XXXX. I have owned my home since XXXX of XXXX, but I am now in danger of losing it to foreclosure due to a predatory loan and lender 's unwillingness to rectify the problem. 

After using XXXX loans to purchase this home, I decided to consolidate in XXXX and refinance the property with the purpose of controlling my interest rate and payment and also to use a little cash to do some home improvements. The bank appraised the home for $ XXXX at the time of the refinance and the Loan was for $ XXXX. I felt safe by leaving a sizable amount of equity in the home which would allow me to sell the home or refinance in the future if better rates became available. I also thought I was getting a 30-year fully amortizing loan, but it turned out to be a 50-year partially amortizing loan with a balloon payment due after 30 years!!! I would never sign up for this kind of loan knowingly. 

I started to suspect a problem a couple of years into the loan when I noticed that I was hardly making a dent in the principal after paying so much money ( XXXX I believe ). I was struggling anyway due to the economic downturn that had occurred, so I contacted XXXX ( who eventually changed their name to Caliber ). I got nowhere with them for the next two+ years!! I was told at XXXX point that I could n't get any modification help unless I was behind on my mortgage ; so after trying until XXXX, I decided I had no choice but to stop paying into this predatory loan. Once I fell behind, I applied for a modification a couple of times. 

Each time, the only offer I was given was XXXX that offered short term relief for a couple of years and then a reversion back to the same loan terms with a large amount added to the end of the loan. The offers also restricted my future rights to attempt to modify the loan. 

I believe my loan qualifies for some program out there. My property has lost about 25 % of its value since I bought it, and about 50 % of its value since I took this loan out. I am a XXXX and am doing fine financially, at least well enough to maintain a reasonable mortgage loan. Add in the predatory nature of this loan, and I should actually be a prime candidate for modification, but XXXXCaliber has shut the door on me by not offering any real solutions to this problem. I have been attempting to Short sale the property since XXXX XXXX but Caliber is not cooperative. Now I 'm facing a foreclosure sale on XXXX/XXXX/XXXX!!! 

This could have been resolved years ago ; I 've talked to so many different representatives trying to get this fixed and move forward. I never intended to defraud anybody, and I 'm not looking for charity. But this loan is not fair!!! All I ask is to be given a fair chance at the modification programs that are supposed to be made available to citizens like myself whose tax dollars bailed out these lenders. Any assistance that would allow my family to keep our precious home would be greatly appreciated. Thank you for your time.
Product: Mortgage

At the beginning of XX/XX/2018, the mortgage on my home at XXXX XXXX XXXX, XXXX, VA XXXX, which until that time was held by Sun West, was transferred to XXXX XXXX XXXX. At approximately the same time, XX/XX/2018, the premium for the insurance was due. Subsequent to this time, I was informed by XXXX that the payment had not been received ; so I paid it. Later, I received a check reimbursing me from XXXX and informing me that the premium had been paid ( by Sun West ). I have now received again a notice from XXXX that the premium is due ; and, upon inquiry, I was informed that Sun West stopped payment. 
At this time, I have again sent in the payment, which was to be paid out of escrow, for the insurance premium. Subsequent to XXXX  informing me that the premium was due, I contacted XXXX XXXX and they stated that Sun West owed it ; so, I have two mortgage companies each saying the other owes the premium. This is the second year in a row this is happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with chex systems on line on a Saturday, and it came back Monday before lunch at around XXXX XXXX as verified as accurate by the company. I logged in online to see, and the only information included was just verified as accurate. They didn't say why they didn't say how it doesn't seem like an actual human, did anything? It seems like the process was completely automated, which actually looking at a report from this same company. But for another issue does, in fact, verify that it is entirely automated that they got a message from their automated system. 
For which they give an automated answer. 
For which the system just accepts as the final answer and response closes out, the dispute sends an email to me. It doesn't seem like even an automated system even tried to look into it at all. I called the company and explained my concern to them as I know. It is inaccurate and should not be in my report or I would not have disputed it. And why did they not just take my word instead of the companies? If that's what they're going to do. Customer service, in fact, told me that there was no investigation or information to support it. She said I could upload anything I wanted to online, which is actually not the case. You can not do that or communicate online at all. 
I'm really having intense problems with all of this type of stuff all over every aspect of my life, and it is running my life and ruining my life and yeah. I just don't appreciate it very much.At all that it is so careless.Ly really really rich. 
She said, if I had any questions or concerns further that I would have to contact the lender directly, which is weird for a credit reporting agency to say and I thought was literally their purpose. My information is just used and abused by a company who's supposed to be protecting it and obligated to report it properly and they're not doing that and they're telling me that if I want it fixed, I got ta do it myself and that they're going to continue to report it that way. And I'm homeless. Because of it, it will remain that way because of it
Product: Credit card

I attempted to use my Sears Citi credit card for {$1600.00} purchase for a washer and it was rejected even though I had zero balance and {$2000.00} limit. I contacted them and was told they chose to put a hold on my card because $ amount was outside the scope of my normal purchase range person and this hold protected me.This hold discriminates against the consumer with a low credit limit and small purchase history for small purchase and payment history. Am I to know that a reasonable person should call ahead to get permission or is this a way for the credit card to anger the small user so that they will cancel their card is costly to credit card company to maintain the account. Also the attitude and demeanor when called the customer service line was that use of the card was up to them and not me. I believe the whole experience was very embarassing and the credit card does not care whether I ever use their card because I am a small fish in a very pond. XXXX XXXX e-mail XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to the credit reporting agency ( Experian ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX years old who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and social confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
Product: Checking or savings account

I have had a checking account with Bank of America for decades. In this time, I have never been charged a monthly maintenance fee for my checking account until the last few months. I have a recollection some years ago of being notified that if I do not meet a modest monthly minimum balance, I would be charged a monthly maintenance fee of {$3.00}. Instead, the last 3 months I was charged a monthly maintenance fee of {$12.00} for not meeting the new monthly minimum balance. I had to call the bank to find out the new rules and discovered that the monthly minimum balance had dramatically escalated to {$1500.00} and that the fee had quadrupled to {$12.00}, neither of which I was directly nor clearly informed about. Furthermore, I was misinformed by a bank representative that this fee would be calculated on the average monthly balance, however I was informed on a later call that this is actually calculated on a daily balance. I don't know if this policy was updated once again the intervening time without notification to clients or if I was misinformed, but I acted on this information to avoid the fee and was charged anyway. When I asked for a website link about this new policy, I was provided an email that only had unrelated information with nothing about fees nor minimum balances ( see enclosures ). Based on my experience, the bank seems to be intentionally obfuscating new rules to collect monthly maintenance fees en masse, hoping that clients like me will make " errors '' based on misinformation and hidden updates to account rules.
Product: Debt collection

For over a year now ( XX/XX/XXXX XXXX, I've been requesting, on multiple occasions, via certified letter, USPS, that Professional Credit Analysts of MN send me proof of validation of multiple debts they are reporting on my credit reports. As of today XX/XX/XXXX, they have failed to furnish any signed contracts or any of the other docs requested. 

In addition, the first time I've even heard of this company was when I pulled my credit report last year and saw a number of accounts. I NEVER received any initial communication from Professional Credit Analysts alerting me to any of these alleged debts, and not letting me exercise my right to dispute. 

By refusing and failing to provide me validation for over a year, and not sending an initial communication letter, they have proven they're intent on defaming my character by reporting erroneous items on my credit report. Not only that, but based on what's on my reports, they are reporting wrong information, and on top of that,, reporting a number of different dates across all 3 bureaus, it appears they are attempting to re-age these debts.
Product: Debt collection

I applied for a XXXX XXXX loan XX/XX/XXXX for {$1800.00} to get my truck fixed at XXXX XXXX XXXX located in XXXX, IL. My credit card was charged {$39.00} for the initial start of the loan with {$140.00} to be deducted from my account every two weeks. There were 3 ACH payments taken out of my account, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX totalling {$440.00}. My truck was still in the shop being repaired when it was stollen off the lot of the auto shop on XX/XX/XXXX. I contacted XXXX XXXX to see what the next steps were and was told that someone would contact me. On XX/XX/XXXX, I received a call from someone by the name of XXXX at XXXX XXXX. I explained the situation and she stated she would have to escalate the call to a higher level and someone would give me a call back. On XX/XX/XXXX, I received a call from someone at XXXX XXXX named XXXX, I explained the situation again and I was told that a dispute was put into the system and I should receive a call back by the end of the week. I never heard back from XXXX XXXX and my account was not debited anymore thereafter. Friday XX/XX/XXXX I receive an email from my employer stating my wages were being garnished by Midland Credit Management for the amount of {$3900.00}. I never was notified of a judgement nor was I served any documents. No payments were taken out of my account after I contacted XXXX and informed them my vehicle was stolen. I have the same bank account for over 7 years now. No delinquencies were reported on my credit report. I attempted to contact XXXX finance and all they were able to tell me was the account was charged off on XX/XX/XXXX and Midland Credit Management has the file. The lawyers for Midland Credit Management improperly handled the procedures by obtaining a judgment to have my wages garnished by receiving an Exparte judgement. I was never notified or served.
Product: Credit card

I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

Every year since I have been forced to use Wells Fargo as my mortgage provider, the company has tried to raise my monthly payment due to, in the company 's description, an escrow shortage. For years I have made an '' Escrow Buydown '' payment ( essentially an extra house payment ), so my monthly payment will remain {$740.00}. As an experiment, I switched my home owners insurance to another provider at a significantly lower cost only to receive another notice from Fargo that my escrow is short.The company has an eloborate plan to raise its customers monthly payment. Most people will agree a Fixed Interest rate is not an Adjustable rate, but Fargo makes no distinction between the two.
Product: Debt collection

I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions