23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?
Product: Credit reporting or other personal consumer reports

I was completely caught off guard when I noticed inaccurate accounts showing up on my credit report this afternoon. I have no idea how this happened, especially since I check my credit report regularly. This time, there were discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccuracies didnt disappear. Given this, Im requesting a thorough review of the documents Ive submitted to prevent this from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX  and disputed the late payments with Transunion, XXXX, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.
Product: Debt collection

XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it. 

Its costing me XXXX per month in my home loan due to this issue. 

Many others experiencing the same issue : XXXXXXXX : XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

Dear Sunrise Credit Services Group, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges. 3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Sunrise Credit Services Group, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you i
mmediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA.

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response.

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Twice someone tried to get auto credit through Bank of America. XX/XX/XXXX and XX/XX/XXXX. I called Bank of America and they said they showed no record of an account and could not see inquiries. I then called XXXX and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through Bank of America and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like Bank of America to screen applicants better to help prevent fraud.
Product: Credit reporting or other personal consumer reports

Somehow equifax had my credit merge with someone with my same name. That person had XXXX inquiries on their credit which somehow was added to mines. I was told this by equifax, I have tried numerous times to get then to remove these inquiries and they refuse. Ive sent several documents and they refuse to honor my request to delete said inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and have noticed that the following item to be an error. I have contacted the three Credit Bureau to have the item removed. The mail sent the Credit Bureau were on XX/XX/2022. Only two Bureau removed the item but Experian still holding the item on my report. The item is XXXX XXXX XXXX XXXX for the amount of {$370.00}. 

I have attached the report from the 3 bureau and you will notice that the items are not seen on the other two bureau. 

Thank you
Product: Credit card or prepaid card

On XX/XX/2023 a bill pay request was submitted to Bank of America Credit Card, the payment request was recognized on XX/XX/2023. Money was removed from the XXXX XXXX checking account on or before XX/XX/2023 in the amount of the payment. Despite the removal of the funds from the XXXX XXXX Account, the payment processing has been put on hold for 10 days. When speaking to a managerial representative, they told me that they could not provide an explanation for the hold and could not lift the hold ( although initially the representative said that they delay transfers to confirm funds, I told them that the funds had already been withdrawn from my checking account ). 

I cashed out a MONTH of leave so I could make a larger than normal payment on the credit card - the larger-than-average payment is the only explanation I can think of for why the processing hold was put in place. The extended inability to use those funds ( since they have been removed from the checking account and are unusable in the credit account ) has placed me under extreme financial duress.
Product: Credit reporting or other personal consumer reports

Two accounts shows as closed and charged off yet XXXX transunion and XXXX still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication 4681 explains the federal tax treatment of : Canceled debts.

Foreclosures.

Repossessions.

Abandonments.

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit. 

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS. I do not owe XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed my taxes with XXXX XXXX and used the pay out of my refund option for the fees. My direct deposit date was XX/XX/XXXX. My bank rejected it. I called the bank a week later and confirmed they sent the money back. Because I paid the fees out of my refund, the refund was returned to XXXX XXXX tax group, XXXX. Every time you call its a different day as to when the check was printed or mailed. Well fast forward a month later and a whole lot of phone calls, the IRS traced the refund back to them. My check has yet to be mailed. Its been over a month and I still have nothing. This is fraud. They are trying to push into signing to get it reissued to cover there own butts, and its ridiculous that I have to pay for my own money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paying my loan on time and the bank does not report this or the balance on my credit report. This I feel has had an adverse impact on my credit score. I can prove on-time in person payments for the past XXXX  months
Product: Debt collection

XXXX  XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt
Product: Credit reporting or other personal consumer reports

I applied For a House to Rent & Was Denied I Checked my Credit report & Notice Fraudulent activities on my account. 
I Have XXXX Hard Inquiries that I never committed I Called trans union to dispute all inquiries they encourage me to filed out this Form These are the XXXX inquiries Im disputing XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Yes I contacted all companies as well they inform me they will look into it, I just Need these Inquiries removed off my Credit thanks
Product: Debt collection

On or around XX/XX/2022 i received a call ( on my home phone XXXX ) from Credence Resource Management in an effort to collect a debt on behalf of XXXX XXXX XXXX XXXX ( {$1400.00} ). I informed the representative that i have never had nor do i have an account with XXXX XXXX XXXX and that the address they provided is one at which i have never ( nor has anyone in my household ) lived. I said this was an obvious case of Fraud, at which time the collector stated they would mark the case as Fraudulent. 

On XX/XX/XXXX I got an update through a Credit Monitoring service through XXXX that i have a Collection account that is impacting my Credit score ( XXXX when i reviewed with XXXX ). Credence Resource Management, despite my reporting this as fraudulent, proceeded to report this as my debt, and, place an unlawful collection account on my file which is hurting my credit score. 

XXXX XXXX XXXX is at fault for ever having opened the fraudulent account because they failed in their due diligence/Know Your Customer protocols in establishing the account. 

Credence Resource ManagemenXXXX failed in their duty to escalate the Fraud and then proceded to make matters worse by establishing a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Grain by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.
Product: Debt collection

In XXXXXXXX XXXX XXXX the date was paid in full and not report. Its all three credit bureaus, including XXXX XXXX XXXX XXXX.
Product: Mortgage

XXXX XXXX XXXX is the current Servicer of my mortgage. I purchased my home in XXXX for {$350000.00}. I put {$270000.00} down with a mortgage of {$80000.00}. 

I have refinanced it to meet my divorce obligations. 

The last refinance was with XXXX. It was given to Bank XXXX XXXX I learned last week in XXXX. 

I was on a Trial Period of XXXX with Bank XXXX XXXX They refused to modify the mortgage and added {$200000.00} to my principle while XXXX had added approximately {$50000.00} to the principal balance. 
I received a package from XXXX stating that they were Servicing my loan. They ignored my 18 months of mortgage payments and added another {$360000.00} to my principal balance as a balloon mortgage that would become payable in 30years. 

XXXX told me in XXXX that if I didn't sign their mortgage modification that they would foreclose on my home. 

I believed them because there were many Foreclosures going on. 

I was unable to pay my mortgage in XX/XX/XXXX and just recently started a new job. 

Approximately 3 weeks ago I learned that I was being foreclosed upon. I was terribly perplexed because on XX/XX/XXXX, the date on the letter, stated that I should contact them. 

I contacted them to find out my options. Surely I was afraid to modify my loan again because they might have added a couple more hundred thousands to my principal balance. I asked for a reinstatement balance I just received it yesterday. 
Meanwhile, they are trying to foreclose on my home and trying to lie about owing interest in land that I purchased besides my home. 
They have no interest in it at all. My Title states that they don't. 
The Mortgage doesn't even State the metes and bounds. 

Quite frankly, this mortgage has kept me uneasy for years. A quiet killer. I could not obtain credit to maintain my home or even get a parent plus loan for my daughters college tuition. It has caused us great harm and embarrassment. How can Banks and Mortgage Companies continue to be allowed to take tremendous advantage of their customers like this. This is extreme predatory lending practices. Also, for them to try to foreclose on property that they have no legal interest adds to the injury. I have to retain an Attorney to try to stop the madness. To have a Bank enter a Judgement of default when they didn't even properly service me is a travesty. I need your help. The people of this Country deserve better. I could be homeless and actually should be nearly finished paying for my home. 
The legal proceedings in XXXX XXXX, New Jersey should be halted. I shouldn't have to incur legal fees for their abusive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Year ago I got denied an employment with the XXXX XXXX  XXXX XXXX XXXX because of the charge-offs and collections showing on my Experian report. I didn't know abouut that, so immediately I started to fix that. When I got the report, I saw lots of mistakes, wrong information, that don't belong to me. I don't know how to classify it, is it a comupter error, human error, mixed files or identity theft. So, I started researching, how to fix this, pay where I legally owe and what are my rights. 

On XXXX I sent Dispute Letter to Experian, requesting for reinvestigation of information and accounts that do not belong to me, they and have errors. 
On XXXX, the same day, I also sent dispute letter to XXXX XXXX card for account that does not belong to me. 
On XXXX Experian sent me the results, among them and XXXX XXXX card, that they verified it and belongs to me. 
On XXXX, that's 2 days later, XXXX XXXX sent me a letter to let me know that they would need more time to investigate about this account. 
How is this possible that Experian verified, but 2 days later the furnisher tells me they need more time? 
On XXXX I sent 2nd letter to Experian for reinvestigation about the accounts they verified, among them XXXX XXXX again.I requested upon completion of their reinvestigation, to send me a detailed description of the procedures used to determine the accuracy of the accounts I am disputing, as well as the name and contact information of the agent conducting the said reinvestigation in case further communication is necessary. 
On XXXX Experian sent me the results, that they verified XXXX XXXX and it belongs to me. No procedures included, no names. 
On XXXX I sent a letter to Experian asking just to provide me description of reinvestigation procedures that they did the previous times, thats on Section 611 ( a ) ( 7 ) : ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

On XXXX Experian sends me a letter saying : Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time. 
Basically they classified my letter as frivolous or irrelevant. Their response does not relate for what I asked for. I understand offense is best defense. That is because they didnot perfom any reinvestigation from the very beggining. As I said, Experian and XXXX XXXX, they both receive my dispute letters at the same time. First answered me Experian that they verified it belongs to me, but a day later, XXXX XXXX contacts me saying they need more time. And then when I asked Experian to provide the description of reinvestigation procedures, they attack me, because they did not verify anything from my dispute letters. Attached are the documents how things went with Experian, and XXXX XXXX Please direct Experian to promptly remove the unverified items from my credit report. 
Thank you
Product: Mortgage

This is a follow up to original complaint I.D . Number XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Foreclosed On Homes A quarterly filing with the Securities & XXXX XXXX XXXX XX/XX/XXXX revealed that Wells Fargo XXXX XXXX error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms in lieu of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 

In XX/XX/XXXX, Wells Fargo revised its estimate, announcing that the miscalculation actually affected XXXX homes that were going through foreclosure between XX/XX/XXXX, and XX/XX/XXXX. This was a system error on there part. 

I was improperly denied mortgage modification and they would not accept my payments via phone for some reason. It would literally always be a hassle whenever I physically stepped into a wells fargo branch located at XXXX XXXX XXXX XXXX XXXX XXXX. I was wrongfully foreclosed on due to Wells Fargo not being able to implement and maintain the proper software and protocols to correctly determine whether a mortgage modification was required under federal regulations. This was a system error. The home was never vacant. We traveled out of state to arrange and attend my mother in laws funeral and returned home as planned XX/XX/XXXX.
Product: Debt collection

I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is XXXX
Product: Checking or savings account

Checking account closed, another account with higher fees given with out knowledge XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.