23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in modification with chase bank and they decided to stop the process and foreclose the property without any letter or follow up. The property sold this week and and the new owner sends a letter about moving out within so many days and we had no notice from chase about any of this happening the lawyers never sent any correspondences what right do we have as consumers when big banks just shut the door on property owners without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment XXXX XXXX Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$240.00} Terms NA Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX 30 Days Past Due
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the 3 Credit Bureaus : XXXX XXXX, TransUnion to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
Product: Debt collection

I mistakenly purchased a XXXX timeshare with the contractual assurance signed by the sales person that I would get the full amount of my down payment. I found out in addition to the fact that the trade for other properties did not work as described, that the monies promised would not be forth coming. 
I was informed of this fact by both the internet postings and by the lawyer in XXXX that I emailed concerning this matter. 
Now I am being threatened to have my credit ruined by Monterey Financial in XXXX CA because the balance of {$9000.00} that is still owed on the timeshare has been reffered to them. 
I can share all of the details including documents with you if you like. I have sent these to the rep ( XXXX XXXX ) who is in contact with me. 
Any help you can offer to me or any communication you can make to them that this was a scam would be appreciated. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts have 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 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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. Chase Bank has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX  to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX
Product: Credit reporting or other personal consumer reports

XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX / XXXX number : XXXX
Product: Mortgage

date XX/XX/19 amount {$650.00}. Ditech agent proceeded to take two payments of {$650.00} when during the recorded phone call I told her I only had enough for one payment and when I get paid next week I would sent next payment. I looked at my bank account today after the gas station said there was no money on my debit card for gasoline. What I saw was an overdraft for {$500.00}, a {$28.00} charge fee from the bank, and a deficit on the account of {$160.00}. that is when I saw two ach to ditech each for XXXX. I then went to my email and saw two confirmations one minute apart even though only one payment was authorized. I have emailed ditech but have no money now for XXXX as like many others in the country, I live paycheck to paycheck and the little left til paycheck next week was just enough for XXXX. I am sure the company will say it was a mistake, but I would like to say a mistake with consequences. Possibly this double payment mistake has happened to others
Product: Credit card or prepaid card

Hello On XX/XX/2018 I made a purchase with my Citibank XXXX XXXX XXXX credit card to purchase a item online or the amount of XXXX Days later I received the package and it was a chewed up piece of gum in the package Have tried several times several ways to contact the seller but all attempts have been ignored by the seller Contact Citibank to file a dispute with them and was advised there is nothing they will do to assist I did authorize the purchase and can not dispute the charge with the credit card Was advised by Citibank that I would need to take this up with the local police and file a criminal complaint I could not believe what was being told to me - and the call ended
Product: Debt collection

My fiancee and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiancee and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiancee 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my fiancee 's mother.
Product: Payday loan, title loan, or personal loan

For over 6 months I was able to log-in to my account and make payments with no problem. Recently in XXXX or XXXX, my access to my account was removed. I have called Citizens Bank 3 times to try to get this resolved. When I attempt to log-in, it says my information is not valid. On my 3 phone calls to the bank we have confirmed all of the information I am entering is correct. We have confirmed my username ( e-mail address ). However, when I enter in the information it is not accepted. This must be a software problem or something. We have tried multiple computers, browsers, etc. They also tried to change my e-mail on the account to see if I could log-in. The system is preventing this. I even had a late payment due to the fact I could not log-in and make a payment. My calls were on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I call I am told that someone will get back to me within 2-3 business days and I never receive a phone call. I have been given a ticket number and told this problem is being escalated but it has not been resolved. The ticket number is XXXX. When I called on XX/XX/XXXX the operator did not want to give me the payment address and kept telling me to do the payment over the phone. I can not get into my account to see any information or pay the bill.
Product: Consumer Loan

JPMORGAN CHASE is reporting my auto loan erroneously to credit bureaus. They are reporting a Ch. XXXX bankruptcy when this is not true. I paid a {$10000.00} downpayment and paid off the loan early. This account was not in any bankruptcy. I contacted Chase Auto and my account has been archived as it was paid off years ago. They refused to verify the information and did not have any data or payment history of my loan. This loan had XXXX late payments. I paid additional to the principal until payoff. 

I have complained about this issue on numerous occasions but this has not been corrected to date.
Product: Credit reporting

Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.
Product: Checking or savings account

This complaint concerns a XXXX XXXX Account with Optum Bank. 

On XX/XX/2024 I requested that Optum Bank pay a provider for medical expenses. A couple of days later, the payment appeared in my online account transaction record as having been paid and deducted from the account, indicating that the payment had been received by the provider and cleared ( otherwise why would it show as a completed debit? ), and therefore my obligation to the provider was satisfied. 

I recently learned from the provider that they had not received payment. I contacted Optum Bank, and was assured that payment had been made. After repeated conversations with both the provider and Optum Bank with no resolution, I asked Optum Bank to provide evidence that the payment was made as indicated by the debit to the XXXX account. Optum Bank said they were unable to provide such proof. As a consequence, I am unable to defend myself against accusations that I have not provided timely payment of the bill. 

I am concerned that this deceptive practice of Optum Bank falsely leading me to believe that payment has been made when in fact payment has not been made, and refusing to provide any evidence that it has been made, will occur again. 

An obvious consequence of this practice is the damage it can cause to a bank customer 's credit history, which can affect not just me but all Optum Bank customers, and warrants investigation and regulatory action by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

Account name : XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.
Product: Credit reporting or other personal consumer reports

My wife at the time purchase an AC unit with my name on it and I gave no authorization to Wells Fargo or my wife at the time to open this account.
Product: Checking or savings account

On XX/XX/year> I opened a checking account with Bank of America. I deposited {$20.00} to fund the account and subsequently had another {$200.00} deposit made from a merchant that same day. On XX/XX/year> I had another deposit of {$560.00} from the same merchant. On XX/XX/year> I deposited my payroll check of $ XXXX my checking account. After depositing the paper check into a Bank of America atm I was notified that the deposit would take up to 10 days to post. I was upset due to the payroll check being legit and having to wait such a long time for my funds to be available. This caused me to be late on numerous bills. I reached out to their customer service department via telephone call on XX/XX/year> in hopes of resolving the issue but was told my payroll check would not post until XX/XX/year>, but was reassured the funds would be available upon that date. On XX/XX/year> my payroll check finally posted to my checking account with Bank of America and showed as available in their mobile banking app. Subsequently, my Bank of America debit card kept declining in grocery stores so I checked my balance at the atm and it showed available funds in the amount is active of {$1700.00} but would not allow me to withdraw funds. I visited a branch office and was advised my debit card is active but my checking account has been frozen due to suspicious activity. I have barely used this account except for a few legit deposits. I am now falling behind on bills and being inconvenienced unjustly. I feel like this may be a XXXX issue, as I am a XXXX male. There has been nothing fraudulent on this account. I was also made to wait XXXX business days for a check to post to my checking account without a single penny being made available, which is in clear violation of FDIC rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to Equifax, XXXX, and XXXX regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the Equifax data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.
Product: Mortgage

My original loan servicer, XXXX XXXX XXXX, filed for some type of bankruptcy protection in XX/XX/XXXX. In XX/XX/XXXX, my loan servicing was transferred to NewRez. 

At that point in XXXX, I was making payments bi-monthly of slightly more than 1/2 of the required payment each month ( I was paying {$670.00} to XXXX twice monthly for a total of {$1300.00} per month ). My monthly payment required was {$1300.00}. The excess payment that had accrued each month was being held as " unapplied funds '' and had in XXXX grown to approximately {$550.00}. 

I received several notifications in the mail of the transition and made arrangements with my bank to transition the automatic {$670.00} payments from XXXX to NewRez after the transfer date of XX/XX/XXXX. 

Since then, I have been receiving notices by email and conventional mail that I am late and that my escrow has a deficit that I need to repay. I have called three ( 3 ) different times to attempt to resolve the issue. After the last call on XX/XX/XXXX, I made an additional payment of {$750.00} to attempt to resolve the issue. 

During the three ( 3 ) different phone calls I asked for guidance on several issues including escrow, how to use the NewRez website to gather information about my loan, etc. However, the primary reason for my complaint, is that I have asked for specific information about the payment history of my loan and an accounting of the transfer of the loan from XXXX to NewRez. I specifically asked for information about how the " unapplied funds '' were transferred and how, if I continued making payments at the same frequency and amounts, am I getting late notices and fees? 

I was never provided this information by phone, email, or phone. I can not find this information using the online portal. I was told on the first two ( 2 ) phone calls that some sort of representative of NewRez was going to look into my loan documents and call me back with information on the questions I noted above. I never received a call from NewRez. 

During the last phone call, the representative suggested that making an intermediate payment of {$750.00} to " catch the payments up '' would be beneficial and possible remove the issue. I made that payment on XX/XX/XXXX and the amount of {$750.00} was debited from my bank account on the next day. However, that payment is not showing in the payment history on the online portal and has not been applied to my account. 

Today, XX/XX/XXXX, a late fee of {$41.00} was assessed to my loan. That was the final " straw '' for me to start this complaint with you, the CFPB.