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

I couldnt believe it when I saw incorrect accounts on my credit report today. I check my report regularly, but this time there were unexpected discrepancies. I refreshed the page, hoping it was a browser issue, but they were still there. I really need the documents I sent to be thoroughly reviewed so I can finally stop worrying about these mistakes happening again.
Product: Debt collection

On XX/XX/XXXX I moved from my old apartment in XXXX Texas ( XXXX XXXX XXXX ) due to military orders. Before I left the apartment I painted and cleaned the place very well. I was sent a bill from the apartment complex a few days later stating that I would be charged for a new paint job, cleaning fees and my last utility bill. I told them I had no problem paying the utility bill but I did not think I should have to pay for new paint, because I lived there for 32 months with out ever receiving a new paint job and I had also repainted the place myself prior to me leaving the apartment. I was told by XXXX XXXX ( the management Representative ) that she would look into the issue. I never received a call back from her, instead IQ data international started to call me and harass me about the debt. On XX/XX/XXXX at XXXX I was speaking to XXXX XXXX at IQ data internantional data about my debt when his manager by the name of XXXX XXXX got on the phone and started to berate me about the unpaid debt and accusing me of " going around in circles '' I told the manager that I am willing to pay what I felt I owed but the manger just kept degrading me and accusing me of trying to avoid paying my debt. The way the manager at IQ Data international spoke to me is unprofessional, rude and degrading. I am concerned that IQ Data will not stop harassing me even after I pay what is the lawful amount of what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently settled an account with XXXX. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. I have contacted Experian on a couple occasions for them to update the information to reflect the correct information that should be reporting on my credit profile. I have submitted documentation that pertains to the agreement for the account being settled. The information being reported on my credit profile in inaccurate. Experian clearly without regard to my consumer rights have violated these rights on now two separate occasions by reporting inaccurate information and falsely stating that the information was verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of account for XX/XX/2022 from XXXX Bank XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXX Bank account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX Bank has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Product: Vehicle loan or lease

This company harassing me on Sundays I've set this payment up every month they still harass me I've been up to date since XX/XX/2023 of last year they do have grace period to I'm down to about 6 payments left it's been harassment text messages emails
Product: Checking or savings account

My husband had a membership with XXXX and he canceled his membership and they charged his account XXXX and he called and got it refunded on XXXX the same day they charged him the XXXX so the payment was still processing at the time of refund being issued. I have confirmation number, called bank of america with an issue because the statement isn't coming up on our records at all, As if the transaction never happened .my husband mad as he can be called the bank and tried explaining it to them and they didn't want to hear it and they kept insisting that they was no transaction done by XXXX . Which is incorrect.
Product: Mortgage

my wife and i were approved for the hardest hit alabama program because i lost my job the program agrees to pay the mortgage for us for 12 months round point mortgage has reported to XXXX and XXXX 30 plus days late which is not our fault i attempted to make a payment online but do to the status of the account was unable to because the program makes the payments so it will not allow you to pay the account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A states i have the rights to privacy.

15 U.S.C 1681section 604 A section 2 : it also states consumer reporting agency can not furnish a account with out my written instructions.
Product: Mortgage

My FHA Case number is XXXX Property XXXX XXXX XXXX, XXXX, NJ XXXX I have several issues that need to be addressed separately and under Section 6 of Respa which states each item must be addressed separately and within 20 days. It has been more than 20 days and over 60 days without PHH answering 1. My home was sold without going on the market for the required 15 days which is in violation of HUD. PHH sold a home worth {$250000.00} for only {$91000.00} and the sale was not a non arms lengths transaction. XXXX did not own the loan or have an interest in the loan so we are requesting documentation that XXXX XXXX gave PHH permission to sell the home, to process the foreclosure in their name and proof that they forwarded the proceeds from the sale to XXXX XXXX. FHA rules state -- - '' An independent third-party provider to market or conduct the foreclosure sale or Post-Foreclosure Sales Efforts, provided the Property was marketed for a minimum of 15 Days before each scheduled sale. '' An Independent Third-Party Provider is a party that conducts the foreclosure sale or additional Post-Foreclosure Sales Efforts, including marketing efforts in support of such sales under Claims Without Conveyance of Title ( CWCOT ) procedures, and who is not one of the following : an Affiliate or subsidiary of the Mortgagee ; any Entity over which the Mortgagee has significant influence ; or any Entity with which the Mortgagee has a conflict of interest in fact or appearance.

An independent third-party provider to market the Property prior to any foreclosure or Post-Foreclosure Sale Efforts or to conduct such sales to ensure maximum competition for both the foreclosure sale and Post-Foreclosure Sales.

With this property selling for 40 percent of Market Value maximum competition was not performed. 

2. We need an understanding, how did PHH/Ocwen create an assignment and assign the loan to XXXX XXXX in XXXX when the Trust, XXXX XXXX XXXX XXXX XXXXXXXX closed in XXXX and could not accept any new loans after the trust was closed. Also the loan was in default and the trust would have been in violation of REMIC law which would have voided the trust. Please should proof other than the fraudulent assignment that this loan was transferred to XXXXXXXX XXXX. Who authorized this fraudulent assignment and who authenticated this assignment. Without the assignment being authenticated PHH was not allowed to foreclose. Please verify who and How the assignment was authenticated.

3. Prior to foreclosing the PHH had to have a in Person interview prior to foreclosing. please provide proof of the in person interview as this did not occur.

4. PHH was must serve the Borrower, which is my serve that they corrected all deficiencies with title prior to foreclosing, please provide proof of service that the letter was sent 5. Please provide proof of service that PHH served me prior to foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid XXXX XXXX XXXX XXXX XXXX $ for the collection in XXXX and they havent took it off of my credit for Equifax.i sent in the money order and spoke with XXXX from XXXX XXXX XXXX XXXX before i sent off the letter.They Removed it From XXXX but not the other bureaus
Product: Checking or savings account

I just want keybank to partner with the new app called XXXX. I think it a really convenient application .i would really appreciate it if we could use this application
Product: Credit reporting or other personal consumer reports

They said they did investigate. XXXX XXXX have information and accounts that are not mine on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America decided to close my account on XX/XX/2019. 
I had funds in the account of {$6600.00}. 
I contacted them and they said they sent a cashier check to my old address.I did not receive any check to old or new address. 
till now I did not receive any funds and I there is no way I could contact them as the account is closed
Product: Credit card or prepaid card

Since beginning of COvID-19, Citi bank decided to place 10 days hold on all payments to ensure they clear the account. What makes no sense is that even after payment posts to the checking account the available balance does not update for several more days. They are holding peoples money without updating the balances.
Product: Debt collection

about a month ago, I submitted a complaint on this same website about a collections account against my credit From and sequium solutions saying that I owe them over {$350.00}. i didn't get a email, call, text, or letter warning me or telling me about the situation it just all happened at once. I even tried calling the collections agency myself and they never picked up the phone. my credit was plummeted and I had a collections account on my credit report without hearing a word from anyone. the people at CFPB also saw this as an issue and resolved it by taking the account out of my report which ill be forever grateful. everything since then has been fine until today, XX/XX/2022, XXXX emailed me saying they're attempting to collect the same debt I already disputed and that this communication is from a debt collector. I want these people to leave me alone how can they still try to collect a debt that was already disputed?
Product: Credit card

Someone scammed my cash app card for XXXX XXXX XXXX XXXXXX/XX/year> I do not know what the company is or where it came from I did not give this company my card number or services it says its an international charge they tried charging my card several times until they were able to get the last I had left. The company is listed under XXXXXXXX XXXX something I have never heard of before
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX based on information received via direct mailing involving a promotion wherein I would be paid XXXX USD if I satisfied the conditions. 

The conditions were outlined indicating that I should meet direct deposit requirements, minimum balance, and keeping the account open for 90 days prior to getting the promotion. In addition, it states that I should not have had an account within the past 12 months. 

I contacted the company via website chat on XX/XX/XXXX with regards to the status of the promotion. They responded to me indicating that I should not have had a relationship with the bank prior to XX/XX/XXXX. The promotion mailer does not specify this criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Equifax or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Equifax to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Equifax does not take appropriate action to address the inaccuracies, I will consider seeking legal action.
Product: Credit reporting or other personal consumer reports

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As you can see most of these inquiries are by some of the same companies multiple times in a short period.
Product: Checking or savings account

This Issue Is Dealing With Navy Federal Credit Union My Father Was A Veteran So I Thought This Would Be A Good Institution For NE The Daughter Of A Veteran Who Served This Country That Didn't Serve Him. I Was Very Pleased With The Credit Union.In XXXX Of XXXX Before Fathers Day I Was Expecting A Deposit And It Wasn't Posted So I Spoke With A Male Representative And He Was Very Condescending Arrogant And Not Receptive To Me Trying To Get An Understanding Of How Long Would It Take For The XXXX XXXX XXXX. Mind You It Was That Thursday Or Friday Before The Weekend Of XXXX 's Day. I Had Planned A Celebration Honoring Fathers Giving My Father And Others To Celebrate Our Dad 's Since There's A Big To Do Over Mother 's Day. Both My Mother And Father Are Deceased.My Mother Died When I Was XXXX Years Old. My XXXX Was Instrumental In My Life. Although He Let My Grandparents Raise Me He Was Still There He Died In XXXX. I Say This To Say I Was Very Happy To Give Him A Celebration With Family And Friends In Which We All Shared The Day This Representative Had No Empathy Or Compassion In Which I Shared The Same Conversation I Got Frustrated And Was Upset Only To Find Out He Put Some Kind Of Comment To The Affect That I Couldn't Talk To Representatives Anymore. I've Had Issues Where Mobile Banking Can't Resolve Like If Speaking To Someone I Can't Speak To A Representative While I Still Have An Existing Account What Happened To XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX I'm A XXXX I Get Hollered At But Not Once Do I Get In My Feelings I Feel Discriminated Against And An Abuse Of His Position I Want To Get Back To Business With NFCU And I Was Told I Couldn't Go In Any Credit Union Building Customers Have Rights To Be Human When Dealing With Finances This Is Unfair And Unfortunate That Workers Have More Rights As The Consumer I Want To Be Able To Speak To A Representative When Needed These Representatives Hang Up On Me As I Called Their House When I Give Them My Account Number Or Phone Number Please Rectify This Situation Or I Can Dissolve My Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerned, I sent in a dispute letter to Equifax and XXXX around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the equifax databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the equifax data breach..
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Signed up with Freedom Debt Relief through XXXX. They made alot of promises about ease of paying off debt. Very misleading about fees. They claim that they told me about 22 % fees ( which I never would have agreed to ). After 16 months I noticed they had taken over {$17000.00} from me and, after looking into it, discovered they had paid less than {$7000.00} to my creditors. When looking at their website ( my client dashboard ) they use very deceptive tactics to show how you're making progress on your debts. Once I discovered that they had " stolen '' over $ XXXX from me they had me speak to several people that were well trained at covering up the numbers. When I cancelled and told them I would no longer let them steal another dime from me, I had {$770.00} left in my " dedicated account '' that was supposed to be returned to me. Interestingly enough, they all of a sudden came up with more " fees '' that came to exactly the money left in my account!! So as if it wasn't bad enough that they had already taken {$10000.00} from me ( none of which went to my creditors ), they took my last {$770.00} as well!! This company has got to be stopped!! I see that they had previously lost a class action suit in XXXX  ... not sure how or why this company is allowed to continue stealing from people who can least afford it!!
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately.
Product: Checking or savings account

On XX/XX/2021 I received an unusual notification from Santander Bank stating that my password was reset. I notified the bank immediately to freeze the account ; however, the thieves had already withdrawn a total of {$4200.00}. The following day I filed a claim with Santander Bank for the stolen funds. Soon, I received a telephone call from the fraud department of Santander asking me to explain what I remembered about the series of events of XX/XX/XXXX. I explained that my emails had been hacked and my cell phone had been sim jacked. The representative whose name was " XXXX '' said I needed to submit documentation from my cell phone carrier, XXXX XXXX XXXX, about the interruption of service that took place. I also stated that the event was overwhelming and I could not particularly remember the precise sequence of events that took place on XX/XX/XXXX. After 2 weeks and through the help of the FCC, I was able to communicate with XXXX XXXX from the XXXX XXXX XXXX president 's office, who provided me with a letter to forward to the fraud department of Santander. 

Nevertheless, before I could submit the letter, Santander notified me that they have denied my claim. 

Santander has wrongfully denied my claim. They never provided a fair and thorough investigation. The representatives never provided sufficient time to submit the requested document, nor did they provide me with any name, address, email or fax to send the supporting documentation. Their response has been unconscionable.