23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The You 've Earned It Program offered by the Maryland Mortgage Program is in violation of the FTC regulation,16 CFR Part 321 Section ( l ) ( 1 ), due to its deception and unavailability of use. The section clearly states that " an act or practice is deceptive if there is a representation, omission of information, or practice that is likely to mislead consumers who are acting reasonably under the circumstances, and the representation, omission, or practice is one that is material, i.e., likely to affect consumers ' decision to purchase or use the product or service at issue. " The You 've Earned It Program was initiated on XX/XX/XXXX, the terms of the program are still available at the following link : XXXXThe program was then expanded on XX/XX/XXXX, to include Veterans, that announcement was made directly through a press release from Gov. XXXX 's Office : XXXXBased on this program, I decided this would be the perfect assistance I needed to buy a home, I had not considered this an option prior due to my large amount of student loans. So once I became aware of the new program on XX/XX/XXXX, I followed all of the required steps of the program. I acted as quickly as one can in making such large decision, and was able to find a suitable home, and negotiated an offer. The day XXXX have my offer accepted, an offer that was written based on the program at the time of conception, I am told that the You 've Earned It Program has been drastically modified and I am not able to obtain the original benefits.
Product: Money transfer, virtual currency, or money service

this is follow up to complaint ID XXXX. When I looked on your site to follow up on the status of this complaint your site says Closed. Yes, Chase bank did send me a reply but, to be blunt, it was double talk and did not give me a satisfactory answer to my complaint. I have tried to contact XXXX at Chase bank as instructed in their letter but I can not seem to get through to her. If you look at their letter of XX/XX/2023 the 3rd paragraph is their answer, or excuse, for my problem. To me it is unintelligible.
Product: Credit reporting or other personal consumer reports

I HAVE NEW PROOF INCLUDED in this complaint. After XXXX disputes XXXX continues to report inaccurate information on my credit report. From XXXXUS department of Ed . for XXXX student loans. Instead of doing a thorough investigation, like I requested several times, to contact XXXX XXXX XXXX to verify the student loans were transferred XX/XX/2023 from XXXX to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/2023 from XXXX about the XXXX loans. XXXX stopped reporting in XX/XX/2023 because the loans were took over by Ed financial & it's so simple, in yet XXXX will not remove these XXXX loans from XXXX from my report! & XXXX keeps saying yes, when they verify if this info. from the last reporting date of XX/XX/2023 is accurate, because in XX/XX/2023 it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE XXXX LOANS NOW WITH XXXX XXXX & IN XX/XX/2023 XXXX DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on XXXX report, ( ORIGINALLY XXXX XXXXXXXX ) WAS PAID 100 % IN FULL! XXXX is reporting XXXX loans open instead of just XXXX open, with only XXXX XXXX  XXXX in showing XXXX loans still with XXXX open & 2 with XXXX XXXX, open. Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! & EQUIFAX IS REPORTING 1 LOAN, From XXXX, for XXXX which was XXXX transferred to XXXX XXXX & paid fully! This loan should be removed like Equifax removed the other XXXX loans from XXXX. I uploaded proof that the XXXX loans were transferred & the largest loan was paid off 100 %! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! I have uploaded proof of the loan transfer & the largest loan being paid full, on XXXX website & Equifax XXXX XXXX still hasn't removed these inaccurate accounts & Equifax still has removed this XXXX inaccurate account. I am now starting the paper work for a law suit against XXXX & Equifax if they do not remove in 7 days, they had months to correct these errors.
Product: Checking or savings account

I was charged {$620.00} on XXXX XXXX and I did not authorize this charge. I immediately called Citibank to rectify the situation and they gave me a provisional credit. I had never been to this establishment or heard of it. I got a new card in the mail. Today, on XX/XX/XXXX, I went to deposit money into my account to pay my wifi bill, and it was negative XXXX dollars. I was shocked. It said that the charge was reversed in favor of the business. However, Ive never been here and Id like to see the proof that I was here and paid for this. Im currently pregnant and unemployed and this is proving to be a severe hardship for me that I cant pay bills on this account. I have only ever filed one dispute before this and that was back in XXXX XXXX XXXX, so this is not a common occurrence for me to file disputes. I would just like my money back as it is mine.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Debt collection

COMENITY BANK have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities associated with my financial record.

Failure to act and/or comply will result in legal actions under Federal Laws.
Product: Credit card

This account was opened XX/XX/2022 and closed due to inactivity but was reported as late for 120 days. Ive tried to solve it with the company but I got no help and hung up on. The credit amount was {$1000.00}. Id need this resolved soon please. It would be best to just resolve the entire account
Product: Checking or savings account

Navy federal was allowing charges to go through without the funds being available only to charge excessive overdrive and NFS fees.
Product: Checking or savings account

Wells Fargo denied a claim that was disputed on XX/XX/XXXX of 2024 ( {$130.00} ), removing my provisional credit, the item being disputed was goods purchased in person, I was never at the location at the time of the purchase being made. I contacted support to attempt to receive a refund but have yet to hear back from them for almost a month now. Wells fargo denied my claim when they made me order a new card for fraud. They wasted my time, and now I am down {$130.00} that I work so hard to make.
Product: Credit reporting or other personal consumer reports

I'm requesting proof of the inquiries that are put on my report. 
These are from fraud I have no idea or knowledge of these inquiries except for one on my report Please forward me.proof with my signature and a valid ID if these are suppose to be me. 

Equifax fraud division please delete these fraud inquiries for me please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX several times to delete the trade line do to FCRA deletion period met. The account is 9 years old and the company keeps falsely reporting the open date at a new date. Account was open XXXX XXXX  and they have updated reporting to show XXXX XXXX. I would like for them to delete the trade line.
Product: Debt collection

Im being balanced billed. And they are in violation of Florida Statute 641.3154 ( 1 ). 

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required. 

Please see attached
Product: Credit card or prepaid card

In XX/XX/XXXX I made a purchase of {$1100.00} at best buy using the bestbuy credit card issued by XXXX. The purchase was made through a promotion of of 0 % deferred interest for 2 years. 
I continued to use this account for other transactions and made another purchase for {$650.00} through an 18 month 0 % deferred interest offer on XX/XX/XXXX. 

I continued to make payments on the promotional offers and told citigroup verbally over the phone on XX/XX/XXXX and in writing by registered letter on XX/XX/XXXX that I wanted my payments to go directly to the 0 % promotional offers. 

On XX/XX/XXXX, I was hit with an interest charge of {$800.00} for the XX/XX/XXXX purchase even though the balance was ALL PAID OFF. 

On XX/XX/XXXX I was hit with another interest charge of {$280.00} for the XX/XX/XXXX purchase even though again the balance on that charge was entirely paid off. 

In XX/XX/XXXX I contacted Citi to address the charges and requested that they be reversed. They indicated that nothing could be done about the matter and that it would have to be escalated to a manager. Unfortunately, I over the next several months I had to deal with covid-related family emergencies and wasn't able to take up this issue again until XX/XX/XXXX. 
In XXXX I spoke with a representative and two manageXXXX who again declined to address the matter in a fair and honest manner. In fact they refused to do anything to address the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them
Product: Mortgage

XX/XX/2020 XXXX XXXX XXXX signed paperwork for a reverse mortgage through PHH Mortgage Corporation. She received {$10000.00} on XX/XX/2020. 
XX/XX/XXXX, her body was found and she was deceased. 

I was unaware of a reverse mortgage, Residing, in another state so I was contacted by the coroners office to claim her belongings. upon arriving two days later, I sticker was placed on the front door just under the coroners sticker, stating the locks would be changed and no one could rent or purchase the home. contacted the number of the collection company for further details. Since I had no knowledge of this, I was unable to obtain information. 

Off the bat I was asked what I did with the money, the search of her records began. 
the prior week had been 116 degrees. Mom 's Air conditioning unit had leaked Freon, hence, her XXXX XXXX XXXX XXXX. 

A list was given to fill out to receive more information, Death certificate, fill out a letter of intent. There was no certificate at that time, I was not going to sign anything, considering we were in the middle of a pandemic and my state had shelter in place orders. 

They were notified of an impending probate, so they let me know that I bought myself some time. Probate was released XX/XX/2020. An emeil was sent to request a payoff for this second account for a reverse mortgage, was not aware of the first one taken out as well. In my search of her records, Bank accounts were located, she did not touch the money she was going to use to payoff her brand new air conditioning unit with the money she received. Not knowing what I am looking at when the reply arrives, I hit the floor ... at that time it was XXXX.. since then they have tacked on fees and surcharges for someone to check on the property each month and it has grown. 

her first reverse mortgage was paid off XX/XX/2020. 
I have absolutely no knowledge of how this works so, it did surprise me that the month of XXXX she had two open at the same time.

I did receive an annual statement and that stated that the balance owed was {$45000.00} payable within 10 days ...

If she only took {$10000.00}, only had the loan for two months and I would love to return what she drew on and have them release her home from a lien and me moving forward from this catastrophe. I have no source of income, my husband was XXXX XXXX  as a XXXX  in the XXXX XXXX XXXX XXXX, I was employed by him as the XXXX XXXX. That tanked two years ago. We are truly struggling, all I could do is reach out, to a third party since they require a letter of intent be signed. 

Please look into this matter, I am petrified of losing her home as well as mine. I was hoping to rent it out for some income, the stickers that are placed on the property are a very good deterrent. Also, I would like to add, there information was given to my counselors handling the probate which started in XXXX of XXXX No response, I would think that information would be submitted instead of being placed on the property. My address was given, phone number. Not sure how long this will continue if no other agency steps in.
Product: Mortgage

My mortgage company ( Myloancare.com ) Loancare LLC, was supposed to send a check to my insurance company ( XXXX XXXX ) for my homeowners insurance. The check was in the amount of {$3200.00}. However XXXX XXXX claims they never received the check. When I spoke with Loancare they claimed they sent it and they didn't know what happened to it. In the mean time, my insurance was going to be canceled so Loancare told me they would take another {$3200.00} out of my escrow to pay the insurance. I said, why doesn't Loancare take it out of their account since it's their mistake. Don't they have insurance for this??? They told me if I didn't pay it my homeowners would be cancelled. I want Loancare to assume responsibility for losing my escrow money. I should not be charged for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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: Checking or savings account

Wells Fargo has closed two of my accounts without my knowledge I have banked with their company for over 20 years and they have failed to comply and inform me of my account status and communicate with me to discuss my banking relationship and dangers of me being at risk of losing my account. XX/XX/2022 I received a direct deposit to my account which had been overdrawn for about 60 days, which covered most of the funds owed to Wells Fargo leaving a balance of {$17.00}, on XX/XX/2022 I had another direct deposit of {$960.00} that Wells Fargo rejected and closed my account the same day, they did not inform me of the closing of my account, I have written checks to pay bills because I knew the funds were going to be available XX/XX/2022 my tax check to be exact, I waited all day Friday checked my online account and it still showed the negative balance of {$17.00} get up Monday XXXX XXXX check my account I can't log in so I call and that's when the rep informs me the account has been closed, I don't understand how they can do this and not inform me now my bills are going to be delinquent and lights are going to be turned off tomorrow, they rejected my direct deposit on XXXX XXXX and closed the account the same day to tell me to was because the account had been overdrawn 55 days in which a direct deposit had been made XX/XX/2022. XXXX a single mother struggling everyday to make in this world and for Wells Fargo to just not think about my situation and stop my money and take theirs is inhuman and wrong, this is going to cost me more than I can afford and lose my place because my rent check was one of items that's going to be returned and im going to look like im writing fraudulent checks on a closed account which can cause me to go to jail, all because I was not informed at all about the account being closed until I called to inquire about not being able to log in online please help me please im a risk of losing everything I have for this one small inconsiderate move on behalf of Wells Fargo .Thank you for your time. Be Blessed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a 90-119 Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors. 
Payment history indicates timely payments, contradicting the reported delinquency. 

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : XXXX. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

2. Remove the 90-119 Days Late status from the XXXX XXXX XXXX account and ensure it reflects an accurate payment history. 

3. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

While reviewing my Equifax credit report, their is still a auto loan on my report, that was paid off in 2008.
Product: Credit reporting or other personal consumer reports

I applied for a Lowes Consumer Credit Card. I provided all of the information they required, including the phone number I have had registered under my own name for the past 8+ years. They ran a hard credit check as part of the application process, which was reported to all XXXX bureaus. However, AFTER running the credit check, they tried sending me an identity verification text, but their system was producing an error. They requested me to provide a different mobile number, which I did, and again their system could not complete the processes. They then denied my application because of their systems failure. I requested that they submit documentation to the credit bureaus asking for the credit pull to be removed, because they did not complete a legitimate application process, and they refused.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

Someone fraudulently opened an account with XXXX XXXX XXXX I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX XXXX XXXX ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.