23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone created a US Bank account using my business name and credentials, but it is not my account. I do not work with US Bank.
Product: Mortgage

I asked to speak with a current lender and was given the run around. Im an authorized party, not on a note, not in debt, but an unidentified lender is foreclosing on my property XXXX XXXX XXXX XXXX XXXX  and refuses to speak with me and work it out. 

XXXX XXXX XXXX XXXX Please see additional documents received in the mail today, pertaining to this mortgage.
Product: Checking or savings account

I have been a long time user of Robinhood ( since XXXX  ). I opened a cash management account during the early rollout and have used it as my primary debit card since. I have kept a significant amount of money there due to the high interest they paid out yearly and have been quite happy. Upon returning from the holidays, I found that my account was restricted, which I had assumed was fraud so I called support for assistance. 

This call led me to find out that apparently my cash management account had been rolled into some other form of account as they had sunset my cash management account. 

The result of this is that I am unable to withdraw money from the account using my debit card because, according to support over the phone, Robinhood lacks the proper licensing in XXXX for this new account to allow me to withdraw funds using the debit card they issued me. 

I have no other recourse other than to withdraw my money and move it to another bank so that I can use my checking account. 

I find this unacceptable and the fact they they would move me to a new account without the necessary licensing to continue my day to day operations is illogical. 

I received no notice from the company that this was happening.
Product: Mortgage

XX/XX/XXXX - Initial Mortgage Refi application was taken from processor XXXX XXXX. XXXX stated that their loan application volume was very high and that it would take a few months before we would be able to close. 
XX/XX/XXXX - XXXX e-mailed to say income docs had not been received. I advised I was waiting for the XXXX tax extension document from our CPA. Income documents were emailed later that same day. 
XX/XX/XXXX - I received a letter requesting additional documentation. I called and emailed XXXX as I had some questions about what documents were required. I did not receive a response from him or anyone at Caliber Home Loans. On XX/XX/XXXX, I emailed all the requested documents as I understood them that were outlined in the letter, including documents already sent and asked him to contact me if there were any issues. I received no response. 
XX/XX/XXXX - I received an email from Caliber asking me to fill out a survey regarding the " Customer Withdrawn/Canceled '' status of our mortgage application. This was the only notification I have ever received that our application had been canceled. 
XX/XX/XXXX - I called Caliber Home Loans and they confirmed that the application had, indeed, been canceled. The person I spoke with said they could not reactivate it and the only alternative was to complete a new application. My original processor, XXXX XXXX was no longer working at Caliber Home Loans. 
XX/XX/XXXX - I wrote a letter to Caliber Home Loans at the address provided to me by the person I spoke with that day : Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I requested that they decision the original application since we provided all documents requested in good faith and that there was no legitimate reason for them to cancel the mortgage application. I offered to send in new documentation, but felt it was unfair to add another credit bureau inquiry due to their error. 
XX/XX/XXXX - I still have received no response from anyone at Caliber Home Loans acknowledging the letter I sent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A VALIDATION LETTER ON XX/XX/2022 AND NO RESPONSE FROM RMP SERVICES.
Product: Debt collection

On XX/XX/2021 I received a response to my XX/XX/2021 debt validation request. In their response was a summary of services rendered including XXXX XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX Services '' " XXXX  Function '' " Laboratory-Chemistry, XXXX, XXXX and XXXX ''. I believe that accessing these procedures violates my rights under the HIPAA LAWS as it indicates nature of treatment ( XXXX, XXXX XXXX XXXX and procedures performed ( specifically stating XXXX instead of just stating radiology ). I did not given written or verbal consent for the collection agency to access such specific medically identifying information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported a delinquent payment to credit bureaus ( Transunion and XXXX ). I do not have an account nor a credit card with the XXXX XXXX XXXX and I never received a bill or a notice regarding any dues! Yet they have reported it without my knowledge.
Product: Debt collection

We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.
Product: Checking or savings account

This complaint replaces complaint #  XXXX . It is not a duplicate.   These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me.
Product: Money transfer, virtual currency, or money service

I have gotten a check from frost bank in Texas and yes its real but I can find no bank close to me that do third party check far as me signing it over in my mom name or some one I know I dont care about the percentage of me being charged I just need my money before its to late and I cant cash my check I lost my ID, birth certificate, and social sercurity card now I dont know what to do until XXXX thats when my ID comes please help look around and see if its some where I can cash my check all I ask please I bag y'all please I went to almost every credit bank and still cant get it done its not right that I have a check and cant cash it when im way in XXXX XXXX , va and the frost bank way in Texas it should be a way this can be fixed some way and some how
Product: Debt collection

I received a civil judgment for {$6200.00} from Szuba & Associates claiming that they were representing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX charged off this debt as I was the co-signer. This debt collector has purchased this debt and has gone into the 36 district court and received a judgment and has forged my signature. I never signed a contract with this debt collector nor do they have any record of me making payments to them.
Product: Credit card

XXXXXXXX XXXX XXXX  inquired on XX/XX/year>. I never received card for account as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
Product: Debt collection

Capital One Auto is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. The past due balance should be XXXX. Also I notified capital one of the inconsistent payment reporting history of this account. XXXX, XXXX and XXXX of XXXX are both reporting 30 days late and which is incorrect. Its impossible to report 30 days late for two months in a row. It should say 30, 60, days late. This is false and inaccurate information.Please remove this account. Due to the FCRA, this is a violation. This debt keeps coming back verified but theres so many inaccuracies that its impossible for that this debt has been verified correctly.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Harley Davidson Finance due to what I believe to be unfair lending practices. 

In XX/XX/XXXX, I purchased a Harley Davidson XXXXXXXX XXXX XXXX XXXX for a total of {$31000.00} ( including taxes ). I made a down payment of {$4000.00}, and my monthly payment has been {$510.00} for a loan term of 84 months. 

Despite consistently making my monthly payments on time, as shown in my account statements ( attached ), I still owe {$19000.00} as of XX/XX/XXXX. This is concerning because I have already paid approximately {$18000.00} since the start of the loan. The principal balance has not reduced in line with what I would expect, and it appears that a disproportionate amount of my payments is being applied to interest, which I find unreasonable, particularly with a 12 % interest rate. 

Additionally, I have been charged {$46.00} in late fees and {$35.00} in non-sufficient fund fees, which further compound the financial burden. I requested that Harley Davidson Finance reduce my interest rate given the current economic conditions, but they refused to accommodate my request. This rigid stance suggests unfair lending practices and a refusal to work with customers during difficult financial times.

These are the key points that I believe need to be addressed : XXXX. The high interest rate of 12 % is resulting in slow principal reduction despite regular and timely payments. As of now, I have paid nearly {$18000.00}, but I still owe {$19000.00}. 
XXXX. Harley Davidson Finance has refused to reduce the interest rate, even though I have made a good-faith effort to request adjustments in light of economic hardship. This refusal to negotiate appears unfair and not in the best interest of the consumer. 
XXXX. Excessive fees such as late charges and non-sufficient fund fees have further increased my financial obligations, despite efforts to stay current with payments. 

I have been a long-time supporter of the Harley Davidson brand and culture, but this experience has left me frustrated and reconsidering my future as a Harley Davidson customer . I believe these actions constitute unfair lending practices, and I ask for CFPBs assistance in reviewing my case and helping to reach a fair resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to have missing positive information on my credit report be reported. In place of the positive Consumer Data it reads ( No Data, Missing Data, Not Reported, etc .... ) From Equifax Website : Can I only report the positive or delinquent accounts? Am I required to report an account when payment behavior is inconsistent? *Equifax requires its Data Furnishers report full files on a monthly basis. Why were my full files not reported for various months? Also you have 30 days to respond to a complaint please explain why I have not been addressed for 10 months on 1 complaint from Equifax? I have written Emails and Called them to no avail. I have provided them with credit card statements to prove payments made as well.
Product: Credit card

Hello, I need help with my personal and business credit cards with bank of america. Bank of America closed both of my cards, without any specific reason, the reasons they told me were generic reasons. They closed my XXXX bank of america credit card also without reason at the same time. I feel that they specifically targeted us because of our ethnicity, it is not the first time I hear Bank of America closes credit cards of XXXX. I had these cards both business and personal, for a very long time and I have never done anything to cause the closure. I always made my payments on time, never missed any payment on my Bank of America cards. I am extremely disappointed how they treated me and my family, despite the fact that I am their customer for such a long time. I hope you can help me to figure out what exactly happened and help me to reinstate my accounts. I hope that it was just a mistake from their side, but a targeted act of discrimination. This accounts closure negatively impacts my credit history. Again I hope that someone from Bank of America will contact me directly to discuss how I can reinstate my cards, because I still want to believe that it is just a mistake because the letter I received regarding my closure does not contain any specific reason and I still wish to continue my long relationship with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE is reporting negative and harmful information to XXXX XXXX XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Credit reporting or other personal consumer reports

My Identity was Breached and I have had a lot fraud has appeared on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Last four social : XXXX XX/XX/year> To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, XXXX
Product: Student loan

I have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.
Product: Mortgage

This matter relates to a mortgage modification that was completed last year ( 2021 ). I had a ( 3 ) month trial period from the months of XXXX to XXXX for the amount of ( {$1400.00} ). After completing this trial, my lender ( Rocket Mortgage , LLC ) presented to me a modification to my current mortgage. My new fixed monthly payment for 40 years would be ( {$1200.00} ). I accepted these terms by signing the mortgage modification. From XXXX of ( XXXX ) to XXXX of ( XXXX ), all my payments were made on time for the amount of ( {$1200.00} ). For the month of XXXX, my payments increase over ( {$200.00} ) dollars. After several phone calls to this lender to get clarity on this situation, I was told by a ( PMI ) specialist that my lender did not collect any ( PMI ) last year ( XXXX ) and that was the reason for my payment increase. I did not sign any documentation on my loan modification, indicating any such statements. Nor was there any documentation that stated my payments would increase in the month of XXXX for ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/XXXX  Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and Equifax credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and Equifax. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Product: Payday loan, title loan, or personal loan

I have repeatedly disputed and asked that Midwest Recovery either provide proof of a debt on my credit reports, or remove it altogether. To date, they have received me letter, not marked the account in dispute, not provided any information showing the date of first delinquency, original documents showing that I owe this debt, provided chain of custody proof that they now own this debt. I have also filed a complaint against XXXX and XXXX, as they have both validated this debt, but there is NO information on dates etc. on my credit reports. If there were, they would realize that either this debt is not mine, or is well outside of the reporting limits. The USPS tracking number of that letter is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Product: Credit reporting or other personal consumer reports

I had a vehicle loan with XXXX  XXXX XXXX. XXXX  XXXX XXXX never provided me the necessary information to access online banking. I made several repeated attempts to call customer service and was left in hold with excessive wait times. I was able to get through to a customer service representative to make my first payment but they could not help me set up online banking and said I had to wait for my temporary password to come in the mail. I never received a temporary password in the mail. I had no way to determine whether payments were being applied to my account. After receiving late fees due to difficulties paying the account over the phone, I called and after several hrs of being on hold wad able to get ahold of a customer service representative who explained that I wanted to pay the loan in entirety due to how difficult it had been trying to make payments due to not having online access. They allowed me to pay and I asked to make sure it would go through. I was assured it did and received a email from XXXX  XXXX XXXX that stated the loan wad paid off. I assumed it was as I received that email. I didn't notice the payment didn't go through until I saw my credit score drop. I then looked at my online baking statements and noticed the payment never cleared. I then called XXXX  XXXX XXXX to figure out what happened and it took me an entire day again and I'm sure at spent roughly XXXX hrs or more of call time dealing with their organization overall. They stated they never received a payment even though I received confirmation of payment via email. They applied late fees and reported me to the credit reporting agencies for a late payment which dropped my credit score by XXXX points. I explained to the customer service rep I again wanted to pay the loan off in entirety at the rate at what it was on XX/XX/XXXX when I originally made the payment. The rep put through the payment this time and it applied again on XX/XX/XXXX. They allowed me to pay that payment but she left all the late changes and interest for me to pay. I followed up on the call a few days and wasted another day with there customer service and I finally was put through to a manager who eventually resoved the issues and dropped the remaing charges. They said I would have to take up my issues with the credit reporting agencies to fix my credit score and were unwilling to help get that issue fixed. I filed complaints with Experian, XXXX, XXXX and the XXXX XXXX XXXX XXXX. So far I have hears back from Experian and they sent me a message that they will not reverse the negative claim on my credit score. If I disagreed I could follow up at this site.