23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I open a Credit Card trough Chase bank when purchasing my Flight ticket 4 years ago. They scammed me because I already paid the ticket probably 3 times since opening this card, and now my interest rate stands on 30 % so it doesnt matter how much money am paying they taking everything to fees.
Product: Checking or savings account

On XX/XX/XXXX my card was hacked for a total of {$4600.00} i immediately contacted support and was told a case was opened and i would receive provisional credits on XXXX. And that the investigation would take around 30 days. On XXXX i was told my case was denied less than 24 hours before i was set to receive my money back. I called and was told they opened up an appeal and i would hear back in the next 10-15 days. Fast forward to the next day XXXX and i am completely logged out of my account with the message account deactivated with funds still left in the account with no way of accessing them. I have called multiple times since with no real answer and told to wait for an email from a specialty team. I am now completely without any of my money and unable to transfer the funds i did have in the account out to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Transunion credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Never received any communication of a debt ... .hospital had wrong address, wrong phone number. Have been living at this address with proper id for 9 years. Dr bill was from 3 years ago ... hospital was paid. Never received any bill.
Product: Checking or savings account

I have a bank account that My mother was my payee for my ssi. My grandmother lefted me some money and it was deposited in there. They wont let me get the money out because shes on the account as my payee so I would like a refund of all the money spent because she was never supposed to spend it. And I did not give her permission to do so.
Product: Mortgage

My lender Selene is discriminating against me and going against the CFPB guidelines. I originally submitted my packet in XXXX XXXX, 2015 and i had a foreclolsure of XXXX XXXX. They closed out my modification because they recvd packet 35 days before the sale date. I filed Bankruptcy and my case was reopened in XXXX XXXX XXXX XXXX my XXXX party spoke with XXXX and he advised her to send in updated paychk stubs and i faxed them over to her on the XXXX and she faxed and emailed them on the XXXX. She called on the XXXX to confirm that they recvd docs and the advised her that the mod was closed out the same day they recvd the docs on XXXX My XXXX party had escalaton done and she refaxed the packet all over again on XXXX It is not fair that they closed out my modification when they had all docs 37 days before my XXXX XXXX sale date ... supervisor XXXX XXXX in loan resolution said there was nothing he could do. PLEASE HELP ME KEEP MY HOUSE!!!!!
Product: Credit reporting or other personal consumer reports

The record of late payments does not correspond with my regular payment history.
Product: Debt collection

This is a closed account from XXXX  with XXXX. I was contacted by NCB with threats to damage my credit and take legal action. They started reporting late payments on this closed account in attempts to ruin my credit and force me into an agreement with them. I have requested that they stop and they have continuously reported these false late payments. 

Improperly reporting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My brother and I are the remainderman of a property that had a life estate tenant ( my step father ). The life estate tenant was responsible for the mortgage with Bank of America and upkeep of the property and has been paying the mortgage for the past 13 years. The mortgage was changed to " The Estate of XXXX XXXX '' who is my deceased mother and I am the executor of her estate. ( see attached payment slip ). I am the authorized user on the mortgage, having sent in my letter of testamentary and a copy of the death certificate many years ago. Bank of America granted a " forebearance '' to an unauthorized user ( s ) of the account in XXXX. I have been trying to straighten this out since XXXX, which is when I became aware of this. Each time I call Bank of America, I get told that they don't know who I am and have no record of my paperwork. I call every week to try to get to the bottom of this. At one point, I finally got through to someone who was somewhat helpful and he told me to make a notation of the date XX/XX/XXXX, which is the date that I was granted full access to this account. Unfortunately, I have not been successful with this information either, when I call, I get placed into a hold loop for 45 minutes to an hour only to be told that they can not give me information about the account. This forebearance was done fraudulently, and without mine or my stepfather 's knowledge. This loan was modified without my knowledge. I get railroaded by Bank of America every time that I call to get to the bottom of this. I did file a fraud claim with the bank, on one of the calls when I was lucky enough for the to suddenly find my access, but now I can not get an update on that claim. This mortgage is now {$11000.00} in arrears and there is also a negative escrow amount of < $ XXXX ( two payments were made in XXXX ). My stepfather has since passed away, this month. He lived on a fixed income and was not impacted financially due to Covid-19, he was also unaware of this activity on the mortgage. Bank of America now keeps calling me to tell me that I need to start making payments in XXXX ( they suddenly know who I am to make that call ). I need answers on the fraud claim that was filed. They had no business modifying this loan without my knowledge and had they notified me at the time, none of this would have happened. I need this situation to be investigated and I need someone at Bank of America to communicate with me. There is never a manager or even a direct phone number to call, just the constant purgatory loop on hold. I have gotten nowhere with this mess in almost six months and it is completely unacceptable. If they can not speak to me, the only authorized user on the account, how on earth did they grant this forebearance to someone who is not authorized in any way? Since my stepfather has passed on XX/XX/XXXX, my brother and I need to sell this house and I need to straighten out this mess. I have attached a copy of a statement showing that the account is in " The Estate of XXXX XXXX '' If necessary I can also produce a copy of the deed showing the life estate.
Product: Debt collection

This whole case with XXXX XXXX XXXX is nothing but a fraud. They have put on fraudulent get bill to me for XXXX dollars that falsified the document. If you look at page one on the documents that I have posted you will see a total of XXXX XXXX them. If you called your document number 2 you'll see that the carpet charges and all the relevant charges that should have been presented correctly or not balance balancing out on the payment. They do not have billing statement showing the charges for the maintenance supposedly that I have doja the apartment. I want these documents overlooked again and I want this case dismissed with XXXX XXXX  XXXX immediately. I re filed for another case and then this issue it will be dismissed without prejudice. I'm gon na continue the fight it as long as I can get these people in trouble for what they've done to me and trying to wreck my credit and financial stability. XXXX XXXX is a XXXX neighborhood lousy service lousy plumbing and they don't do anything for the residents there. there's dog XXXX all over the place and you don't have any parking for your vehicle. XXXX XXXX damage done to the vehicles that are parked in their parking lot and it's just a big mess over there in the only way that they can make any money is to just raise around and not do the maintenance period
Product: Credit reporting or other personal consumer reports

sent the following correspondence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV. XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX, TX. XXXX RE : REINVESTIGATION OF PROFILE In Accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Personal Information : # XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( A ) ( 1 ) A person shall not 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.

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

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

On XX/XX/2020, I noticed an unauthorized transaction on my ATM/debit card in the amount of {$200.00} from XXXX XXXX which is linked to my checking account. I immediately went on USAA online to dispute the transaction because I had not visited or shopped at the store on the specified day and to make things worse I had reported the ATM/ debit card lost/ stolen in XX/XX/2020. I called USAA on XX/XX/2020, and the representative stated the transaction was referred to their fraudulent dept. On XX/XX/XXXX I called USAA again to find out the status and the representative stated USAA would not refund me my money. I explained that the card had been closed three months prior so how could I make a purchase in June then I requested to speak to a manager. I was connected with another rep/manager who stated she was not sure why I was not given a refund but she could not review my dispute because it was sealed/closed. USAA did not thoroughly investigate this transaction and immediately declined to reimburse me.
Product: Checking or savings account

I have a {$10000.00} in a CD at US BANK that rolled over without my taking any action. Because I happened to miss one email, the CD changed from 5 % to the lowest possible rate the bank could give, which is .05 %. If I wishes to change, I have to pay a {$100.00} penalty plus another {$25.00}. This is simply taking advantage of consumers. It may be legal, but losing XXXX of dollars of interest because you missed one email seems simply unethical. I can't believe this is legal, to take advantage of people like this. It is too late for her but is there anything that can be done to protect consumers from being ripped off like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that arent mine
Product: Mortgage

Since XX/XX/2021, I have been submitting requested documents to Select Portfolio Servicing , Inc. After requested documents are submitted the company ask for additional or the same information. I call customer service and they are not help. I am being harassed by this company to end a Pandemic Forbearance. I have been making payments since XX/XX/2021. I am being harassed by Select Portfolio Servicing , Inc .
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not 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.
Product: Credit reporting or other personal consumer reports

Beginning on XXXX, I submitted requests for an update and verification of my Account Name : " XX/XX/XXXX XX/XX/XXXX' also shown as " XXXX '' Account # XXXX XXXX XXXX XXXX, requesting it be investigated and removed. I filed several disputes online via the Experian portal and have attached those disputed cases as PDFs for reference ; I also spoke with Experian by phone twice. Experian provided no actual results or investigation. They illegally re-aged my account on XXXX different occasions after every dispute. Prior to any disputing, the account was not reflected as the date of original delinquency. When I disputed it on XX/XX/XXXX, it took XXXX day for results, and they changed my already paid-off account ( XX/XX/XXXX ) to currently delinquent! I submitted another dispute on XX/XX/XXXX, and Experian changed the delinquent collections to XX/XX/XXXX ; my account was already closed by then. That dispute was completed in less than XXXX hours. I contacted Experian by phone on XX/XX/XXXX and inquired about this ; the representative began a new dispute over the phone. When those results were updated, once again, the dates showed I was currently delinquent. I submitted another dispute on XX/XX/XXXX and XX/XX/XXXX for the same correction with the same results. Please look at the dispute PDF I've attached. On XX/XX/XXXX, I called Experian again ; a representative was confused and spoke with a supervisor who also could not give me an answer. She started another dispute and provided me with the number ; I also uploaded a narrative document explaining the situation on the dispute portal afterward. Once again, my delinquent dates were changed to XXXX collection date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list  that clearly indicate that am not on the list and is an error.
XXXX stated on my credit report that I have an individual tax lien which was reported filedXX/XX/XXXXan amount of {$1000.00} and another one onXX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.
Product: Mortgage

The XXXX determined that I was wronged by Bank of america, the settlement was that bank of america NA would submit documents too the XXXX credit bureaus to repair my credit and reduce amount owed. They were to remove all legal fee 's and other fees associated with my mortgage. They did not comply causing me serious difficulty in purchasing a vehicle and refinancing my home loan. They instead sold my loan to XXXX XXXX and pretty much left me with bad credit and a payment of XXXX per month.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : Lender for housing loan ran my credit report and found bill for {$510.00} that was unpaid from " Money Lion ''. I have never had a MoneyLion account, nor knew what this company was. 

XX/XX/XXXX : Called company to report fraud. They opened a ticket and asked for no information or forms from me for their " investigation ''. 

XX/XX/XXXX : Called company to speak directly to Fraud Department and they would not let me. Said they made another ticket to open the investigation. 

XX/XX/XXXX : Received word that their " investigation '' is closed despite not asking me for any documents and they claim it was not fraud. Address listed is for house I have not lived in for 6 years, the phone number is not my phone number, and I have checked the account they claim the money was deposited in on XX/XX/XXXX and there is no evidence of the transfer ( see attached bank statement- nothing under deposits that fits this " loan '' ). Phoned the company again and they have not called back or let me talk to Fraud Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

Net Credit is reporting negative information on my credit report in the amount of {$3500.00} which was opened XX/XX/2017. I have disputed this account and requested they send proof of how this account was validated showing my ownership and agreement to this debt. However they have failed to validate this debt with proof. I am requesting the removal of this debt from my credit report, because it does not belong to me, and its illegal to report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.