23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed my 1st complaint on XX/XX/XXXX complaint # XXXX on XX/XX/XXXX BOA stated it could not answer my complaint online due to not having XXXX party authorization. So I filed a 2nd complaint on XX/XX/XXXX complaint # XXXX regarding how the bank doesn't process the paperwork they receive and then try to blame the consumer that they are at fault for Bank of America not being able to do its job. Today I am filing a complaint about unfair and discriminatory bank practices in a CRA neighborhood. For not processing paperwork and purposefully running down the clock to a sheriff 's sale to blame the homeowner for missing paperwork in order to avoid having to respond to modification request. I have been in consistent and diligent contact with Bank of America through my case manager XXXX XXXX and with the compliance officer XXXX XXXX and yet neither of them have been forthcoming about the status of my modification request submitted on XX/XX/XXXX that just went to underwriting this week. They are asking for documentation that is unnecessary to prove my son has moved into the home. I have proven he has occupied the home through several methods but they are insisting that I have the PSEG bill put in his name when it is not a requirement for the mortgage. I pay this bill there is a credit and he has changed his address officially with the post office and with his bank and many other ways. He lives here. I have been requested to prove I have child support with the original court order that they have on file since I had the loan and I have sent all updated proof of current support and the new law in NJ on how it continues to pass the child 's XXXX birthday until age XXXX. That still is not acceptable although it is NJ law. I don't know what else to give them. It's an unfair practice and they refuse to respond to the modification request other than to say I haven't turned in paperwork in which I have time and time again. I need help resolving this so I can get my house payment current. The bank has not good intentions to help me bring the loan current because it's not in BOA best interest because it's insured by HUD. This is unfair banking practices. I want them to process the paperwork.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report. I didn't authorize these accounts. Please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$420.00} XXXX   XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$390.00}
Product: Checking or savings account

I had to renew my debit card in XXXX but I didn't receive my card until XXXX and it was locked XX/XX/XXXXXXXX XXXX  in the year. Now I have a lock on my account and Citibank won't release it. I am currently stranded in XXXX XXXX with no way to live. As soon as I got my new debit card and unlocked it someone locked it again. Now I visited the XXXX with an unlocked debit card that got locked again. I don't have a U.S. phone number to confirm. My dad has my U.S. phone ( XXXX ) XXXX. I have a XXXX number. I cant check mail in U.S. I need my stuff unlocked. My number in XXXX is XXXX. My name is XXXX XXXX XXXX. I am a XXXX Sergeant in The XXXX XXXX. I need all my accounts unlocked for my medicine and treatment as well as my basic needs.
Product: Mortgage

This the second time I have had to file a complaint about the same issue. Please reference XXXX and XXXX. 

The company agreed to remove late payment that was reported due to a returned payoff on XX/XX/2018. They have reported the correct information to XXXX, but XXXX  and XXXX still show the late payment. I have been calling almost daily to have this corrected, and I have been told that the information has been sent. XXXX  is still showing a balance of XXXX on this mortgage account. The balance is XXXX. I have disputed this information twice since they have agreed to correct the information and nothing has changed. There should be no late payments and a XXXX  balance on the account. 

Every call starts and ends the same way. The customer service reps do not understand that this is an ongoing issue. I am placed on hold so they can read through all the notes and in the end I have to be transferred to a escalation specialist that does not offer much help either. I ask to be transferred to a manager and they do not call back. The company has agreed to remove the negative information and they have not done so.
Product: Debt collection

A fraudulent debit of {$500.00} was taken out on my name, and the debt in question was removed from my credit report due to it being fraudulent. Since that time, the company that bought the debit, PORTFOLIO RECOVERY ASSOCIATES, also known as PRA Group Inc, has been repeatedly calling me using a variety of different mobile and landline numbers. 

They have used fraudulent and deceptive practices to get me to answer the calls. To try and stop this practice, I have used phone blocking apps to uncover who the callers are, and block them from calling. This matter has been going on for 7months and they will not stop harassing me. 

However, PORTFOLIO RECOVERY ASSOCIATES, continues to harass and use false and deceptive tactics to obtain the fraudulent debit, even after it was removed and they were notified. 

You can see in the attachments, that they are using different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out about the below listed account. Kindly be advised, I am disputed the matter of the IC System account as the account is not my account. 
I C SYSTEM Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs., 3 mos. ) Account status Open Original creditor name11 XXXX XXXX Once more, I am requesting the source of the payments made to the account be investigated as someone other than myself maintained the account for some time. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. I have disputed these accounts previously. I am disputing these accounts again and will continue to do so until the matter has been resolved. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days
Product: Credit card or prepaid card

XXXX is order # from best buy for {$580.00}. Item was not sent by merchant and XXXX at Citibank refused to dispute the charge. Customer spent two hours plus trying to resolve dispute with BestBuy and Citibank to no avail. They failed to send item and yet I'm still being charged. Totally disgusting. Item purchased on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX$1700.00} accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against TRANSWORLD. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.
Product: Checking or savings account

I had a SunTrust account. However after my account was fraudulently used, I filed a claim. The claim was then denied from SunTrust so I filed a rebuttal. The rebuttal was also denied. My account at that time was then negative {$1000.00}. Eventually I received a letter from SunTrust telling me my account had been closed due to insufficient funds. 

All the while, I still had no received my income tax return. After believing my account was closed and following up with the IRS it turns out that my income tax check was in fact deposited into my closed account. SunTrust told me there was nothing they can do but I now only owe them about {$400.00}. I am so beyond upset and I would like a resolution. Seeing that the initial issue wasn't my fault in the first place.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a XXXX  as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Product: Mortgage

I am trying to pay my monthly mortgage bill. It is due on the 1st of every month, but there is a 15 day grace period. 

When I log in and choose to make a direct ACH payment, it does not show that I owe a late fee. But instead, shows that in order to make a one-time payment, I must pay {$10.00}. There are other ways I can pay for free, like mailing a check or using their mobile app on or before the XXXX. But to pay over the phone or online through their portal costs {$12.00} and {$10.00}, respectively. 

My problem with this is it's dishonest. If there is a fee simply to pay your mortgage, it would be en force at any time you pay. This is essentially a late payment fee without being named as such. I've never had to pay a fee to pay my mortgage, and I've been with about half a dozen mortgage companies since 2008 thanks to them being continually sold to other companies. This is by far the worst service provider I've had. 

Please see the attached documents. It shows the ways you can pay without fee, and once you go through to the one-time payment screen, it shows the draft fee schedule at the top. On that one you'll see the box for " late fee '' is zero. The company is essentially levying a late fee but calling it something different to get around federal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered a massive XXXX in XXXX. My wife has been handling our families finances. In XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from XXXX  or experian. Im unable to answer security questions because they dont pertain to me. Please help
Product: Debt collection

On XX/XX/XXXX I took my XXXX daughters to XXXX XXXX in NY to attend a FREE photo shoot. The only advertised temporary fee ( AND CONFIRMED by " XXXX '' ) was a {$50.00} deposit for each model that would be refunded to me. It was a holding deposit only to ensure attendance. All charges for the shoot were explained and assured as free or already covered. She stated other services may be offered later if my daughters were selected as finalists. Any additional options for services may be offered at the time after the shoot. I reserved XXXX spaces, paying {$100.00} on my credit card. I expected that to be refunded because I knew we would attend. On that day they decided to ONLY SHOOT XXXX daughter. Because my daughter was under age, I was required to sign electronically giving consent to photographer to shoot her. They didn't refund any of the {$100.00}. ( not even the second {$50.00} for my daughter XXXX ) They went further and fraudulently billed my card for {$400.00}. They went even further and claimed I agreed to a {$3500.00} charge for I don't even know WHAT!! We never agreed to extra services. In fact we declined. We declined the offer to receive a portfolio. I called her father at the time to see if he may be interested. He emphatically said " NO! '' On that note, we thanked them and declined any additional offers. We left the building. On our walk to the car, management called us and offered a double deal for a cheaper price of $ XXXX for both girls. I said " No Thankyou ''. For another 2 days they called, and harassed and tried convincing me to allow my daughter to attend their school of modelling because " the photographers really liked her ''. I told them again " No. But Thankyou for the offer. We are not interested. '' Several months later XXXX XXXX began billing my XXXX XXXX XXXX daughter XXXX XXXX for {$3500.00}. I called them immediately and reminded them that we did not take any products or services from them. They lied, stating we were obligated to pay because photographers are " not cheap, and have to be paid ''. I reminded them of the advertisement, I reminded them that they were supposed to refund me my deposit " within 14 days '' and that they took {$400.00} illegally from me off my card, without my knowledge, I told them of their agreement and their obligation to obey the law and the illegalities of their attempts of a fraudulent debt collection and claim. I guess they realised they shouldn't bill minors. After about 2 months they started to bill me for the same charges. Again, I tried speaking to them. I told them DO NOT put this fraud claim under my daughter name or my name on the credit bureaus. They put it on my credit bureaus anyway. I reported them to the bureaus. They were removed. On XX/XX/XXXX they started harassing me again with a letter claiming that I signed for a service that I DID NOT AGREE TO OR SIGN FOR. They copied my signature to consent to photography, and put it on claims I never agreed to. Originally XXXX XXXX was their name now they are harassing me and attempting to collect under the name Monterey Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion with incorrect information on my credit report on XX/XX/XXXX, advising them of the information that is incorrect. They sent me a copy of an " updated '' credit report, that did not have all the information updated. I sent another letter to them via Certified Mail on XX/XX/XXXX, advising them of the information that was still incorrect. I received another updated credit report today, XX/XX/XXXX with the incorrect information STILL listed on my credit report. It should NOT take 3 letters to have INCORRECT information removed from my credit report. I want ALL the phone numbers removed - I do not want my phone number listed. I do NOT, nor have I ever gone by XXXX XXXX XXXX. My employment data should only reflect my current employer, as per stated in my previous two letters to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification systems such as XXXX, XXXX, XXXX, etc. These systems are sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the FCRA mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. Any case, civil or otherwise, which is dismissed, no longer exist in the eyes of the law, and a case filed may never have been actually adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your promptness in this matter.
Product: Credit reporting

Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.
Product: Checking or savings account

I received my first mailing from SunTrust in the summer of XXXX. I had never heard of this bank, they have no branches where I live, yet they sent me information about a checking account I never opened. At that point the balance in the account was XXXX. I called them and asked them to close the account and thought that was the end. But in XX/XX/XXXX I received a statement again showing a XXXX balance but now there was a {$3.00} for the paper statement. I wrote to their fraud department to explain I never opened the account, refused to pay the {$3.00} and again asked them to close the a count. On XX/XX/XXXX I received mail from SunTrust XXXX XXXX  saying the account has been closed but there is a charge of {$47.00} for this. Again, I never opened any account with this bank.
Product: Mortgage

I have a 15 year mortgage in which Rocket Mortgage is the servicer. The loan is escrowed and hazard insurance is paid by the servicer. 

Rocket has sent me the following letters which they have indicated they intend to charge me a fee of {$100.00} for lack of coverage : - XXXX XXXX Lapse Second Letter - XXXX  : dated XX/XX/XXXX - Lapse Coverage Cancelled & Lapse Charge Due Letter - XXXX XXXX dated XX/XX/XXXX In Response, I reached out to insurance provider ( XXXX XXXX ), received evidence of coverage, and loaded to Rocket Mortgage Portal on XXXX XXXX. 

I have since reached out to Rocket Mortgage on several occasions to check to see if resolved via email, chat and phone. I have been unsuccessful in getting Rocket Mortgage to acknowledge or worth with Insurance Provider to resolve.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian have not properly investigated my claim. I have asked them for proof and they havent provided it.
Product: Debt collection

Ok I was in a wreck on XXXX and I broke my back well the insurance that was insured on the truck I was in paid me XXXX XXXX but I only got XXXX back to me they paid it for me cause they didn't give me my part til XXXX  after they sent the money I owe for ambulance ride hospital time and my XXXXXXXX XXXX XXXX XXXX cause I XXXX  XXXX XXXX   now they are saying I owe all this money which I shouldn't owe it at all cause it's been paid already which they saying I owe XXXX thank you by XXXX XXXX XXXX XXXX now
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter which upon first glance appears to be from a Court of Law.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00}