23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, this complaint is two-fold. Back in XXXX, I was late on a payment according to XXXX XXXX XXXX. In XXXX, I sent a payment from my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and in XXXX. I constantly checked the account to see if it was debited. The amount was never debited from the account ending in XXXX. I did not find out from XXXX XXXX that the payment did not go through until a month after. XXXX XXXX informed me that the account was reported as closed. I contacted my bank. I was informed that the account was still open. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number ending in XXXX was closed in XX/XX/XXXX due to a compromise. I have attached the XXXX Letter and XXXX XXXX File. The file has the transactions for the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to show that the account was still open I have also made arrangements to resolve the issue by using another account, XXXXXXXX XXXX. The account was XXXX, by XXXXXXXX XXXX. I have sent in those payments for XXXX and XXXX. Again, there was no notice from XXXX XXXX/XXXX that the payments were being rejected. I contacted them again to see what was the problem. I was told that the account was closed. I have contacted XXXX. XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number XXXX is in good standing. 
XXXX XXXX had provided incorrect information to the credit report. They have reported me late to the credit bureaus for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

This complaint involves the Bank of America Legal Departments failure to comply with a Connecticut Probate Court order to release  funds in a previously frozen checking account. As the duly appointed Conservator of the estate and person of my mother, MH, and acting within my fiduciary responsibility, I presented a ( State of Connecticut ( XXXX Regional Probate Court ) District XXXX, Decree to the Bank of America branch in XXXX, CT, on Tuesday, XX/XX/XXXX. 
The Decree clearly stated : WHEREFORE IT IS ORDERED AND DECREED THAT : The Court hereby grants the Conservator of Estate full access to Bank of America Checking Account ending in -- -- -, which was previously frozen by the Court prior to the disposition of the conservator matter. The conservator shall use the funds for care for the conserved person. The Decree is dated at XXXX, Connecticut, this XX/XX/2019. On XX/XX/XXXX, I requested that a bank check be made in my mothers name so that I could withdraw the money from Bank of America in order to deposit it into my mothers Conservator account, which is set up at another local bank. 
The Bank of America branch manager presented Decree to their banks legal department and, after waiting two and a half hours, I was told that the Legal Department would not accept the document presented to them because the title of the document was a Decree and not an Order. I was instructed to come back with a document that was specifically titled a Court OrdeXXXX. The XXXX Probate Court then revised the title of the document so that it read as follows : STATE OF CONNECTICUT XXXX REGIONAL PROBATE COURT DISTRICT XXXX, ORDER. This new document was presented to the Bank of America XXXX branch on Thursday, XX/XX/XXXX and, after waiting another hour, I was told that the legal department was swamped and they would not be able to review it that day. I was told that I would receive a call from Bank of America the next day after the XXXXegal department had an opportunity to review it. Early Friday morning, XX/XX/XXXX, I received a phone call from the local Bank of America and was told that the bank could not release the funds because another legal department would have to review the revised document. I was told that perhaps the following week they would make a decision. On XX/XX/XXXX, I was told that I needed to provide BOA with the original documents from the Probate Court that appointed me the Conservator and provide the Fiduciary Certificate. Those documents were provided to the bank on XX/XX/XXXX. After several more phones calls to Bank of America from me and my attorney inquiring about the status, they are still refusing to honor the Connecticut Probate Court order to unfreeze the account and release the funds. 
I seek the help of the Consumer Finance Department to compel Bank of America to honor the Probate Courts order and release the funds in my mothers account immediately.
Product: Checking or savings account

Simple Bank closed my account with {$3000.00} in it and was then acquired by BBVA. It has been almost a year and I still have not received my disbursement.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

In XX/XX/2021 I responded to an offer of credit and asked for more information after talking with them my current mortgage holder told me that they would match the rate they were offering and not apply any origination fee or closing costs. In one of the phone calls with Sovereign Lending Group I told them this and they kept telling me that this is the same thing they were offering but when the disclosure were mailed it in fact was not. I asked them to stop contacting me several times as I was going to stay with my current lender because they can match the rate and not charge all of the XXXX dollars in origination fees for closing the loan. I have sense answered the phone several times they always call from a different number and it is a different person but it is always a 949 area code. I told them in the beginning of XX/XX/2021 that I did not appreciate them calling me so much as I would about XXXX hours a week and that under no circumstance would i do business with someone that operates with such predatory practices. I work in XXXX so I understand that people dont always take no for an answer and often respect them for trying but this is beyond that. Subsequently after I told them I was going to stay with my current lender they pulled my credit again at the end of XX/XX/2021, they responded by saying they did not request it. The biggest problem is the high pressure tactics have moved to harassment over the past 45 days and do not feel comfortable that this company is going to safeguard my information because I have not done business with them. I have a myriad of emails and overnighted envelopes, and wonder what they are able to push XXXX folks or people that come from a different socioeconomic background. I imagine that an audit into this companies practices would reveal many violations and really all I would like is for the harassment to stop and my information be stricken from their records. Also they need to to remove the additional unauthorized inquiries that happened in the end of XXXX The employees that I have names for are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I have more letters but the issue really is the verbal communication and the crazy amount of phone calls
Product: Credit reporting or other personal consumer reports

There is a credit card that I did not open with Synchrony Bank for Guitar Center. I am contacting them once they open up their customer service. I will immediately close the account that is under my name. This I know will impact my credit score. I am writing because this is fraudulently opened in my name. I am closing the account and does not want my credit score impacted doing so. Please help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reports to XXXX and other companies wrong payment history report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet stolen was stolen and my I have experienced identity theft. Someone used my information to make a fraudulent inquiry. I would like the inquiry to be removed off of my credit report. The inquiry is XXXX XXXX XX/XX/2021 XX/XX/2021
Product: Mortgage

I fell behind in XX/XX/2017 and caught up in XX/XX/XXXX/XX/XX/XXXX with my tax return. I began making {$600.00} payments ( half my scheduled payment ) every 2 weeks. My mortgage company is not applying these payments to my monthly payment. They allocate it differently every time. Sometimes they hold it until the receive the second payment and apply them correctly. Other times, they have refunded 2 checks to me and are now applying them to my escrow account. This is causing them to report my account as 3 months past due when in truth, I am only one month behind because of the two checks they refunded. This is negatively impacting my credit report
Product: Prepaid card

I have repeatedly attempted to use my AmericanExpress Gift card and am constantly turned down. 

Most recently : XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I wrote a letter to XXXX  requesting information supporting the alleged charge as I did not recognize the bill. They never responded. I wrote again on XX/XX/XXXX demanding that they validated the debt and stop reporting a collection action against me. Subsequently XXXX  stopped reporting but XXXX and XXXX continue to do so. I have attached my XX/XX/XXXX letter and my most recent credit report excerpt so that XXXX  and XXXX  still report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Product: Debt collection

I have two entries on my credit report for Credit Collection Services ( CCS ). XXXX XXXX placed old accounts with them when I had unpaid policies. I did not receive anything from Credit Collection Services and I have never done business with them. The debts were paid directly to XXXX XXXX and have been paid in full. 

I called CCS and requested that since I have never done business with then and I have never been contacted by them that they remove the entries on my credit report and they refused to do so. 

I also notice that they are violating the FCRA because to my understanding collection accounts should not show a balance and they do on both entries. 

I have also attached evidence from the NMLS Consumer website where it appears that they are not licensed to do business in Iowa and they are violating licensing laws. 

I would appreciate it if they would remove these entries immediately because they are damaging my credit.
Product: Debt collection

Phoenix Financial Services XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX These companies call me several times nearly every day and have left several messages attempting to collect on a debt from a single hospital visit in XXXX that is in collections since XXXX with XXXX XXXX XXXX. The initial bill was for {$880.00} which I disputed with the hospital because it was a follow up visit to have stitches removed and I was told by the Dr . I saw I would not be charged for a full ER visit upon return and I was anyway, so I refused to pay the bill. 
XXXX XXXX XXXX is on my credit report for the full {$880.00} as a debt collection and now Phoenix Financial Services has placed a collection on all 3 of my reports ( which I am disputing ) for  {$350.00} ( same bill/visit ). They sent me a letter ( I threw it away ) that stated if I pay them {$350.00} they will remove the collection from my credit reports. Together, these collection agencies are charging me {$1200.00} which is more than the initial hospital bill. 
I've had issues with XXXX XXXX XXXX in the past, where they find creative ways to keep debts on consumers credit reports by doing fraudulent activities such as this and I would be 100 % certain these two companies are engaging this illegal activity together
Product: Debt collection

I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.
Product: Credit card or prepaid card

I have a Guitar Center card through Syncrony Bank. I placed an order on XX/XX/17 that I cancelled around the end of XXXX because GC refused to give me a ship date. Around the end of XXXX I noticed that the hold was not released to my Synchrony account. I have contracted both them and Guitar Center at least half a dozen times since late XXXX and the have not restored to balance of my credit account to what it was before the hold.
Product: Money transfer, virtual currency, or money service

From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a XXXX representative ( XXXX ). This number is actually a XXXX fraud number, and I was tricked into believing that the person on the other line was actually a XXXX representative. 

The person provided me a name and an employee ID number and notified me that my Zelle account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my Zelle account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from XXXX. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. 

The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to Zelle money to myself using my phone number to my phone number. To be more clear, I was using Zelle to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my XXXX and Zelle acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. 

I called this phone number directly during this time period at a separate time, and it took me to XXXX 's answering machine, so I knew this was a XXXX verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual XXXX number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from XXXX that my disputed funds were not approved and that I would not be receiving my money back.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo Credit Card services received the police report stating that my credit card information and my identity was stolen back in XXXX. Wells Fargo Closed my credit card account and claimed the default in XXXX. Wells Fargo credit card services claimed the loss. Now, 7 years later, Wells Fargo credit card services has reported the loss as income for my XXXX IRS tax year. This is completely untimely and unjustified because Wells Fargo credit card services kept the default on my credit report for 7 years. It's a form of double jeopardy.
Product: Mortgage

My mortgage servicing company, Select Portfolio Servicing, received my payment on XXXX XXXX, 2016 electronically from my bank. Funds were applied to my conventional mortgage on XXXX XXXX, 2016 XXXX day after electronic receipt, although they were applied incorrectly. The payment submitted was {$28000.00}, of which {$3200.00} was for the regular payment and the remainder for principal reduction ; for this it was noted as " other payment '' on their web site, the only option available. The payment applied was {$3200.00} for the scheduled payment and {$5000.00} in principal reduction ; the remaining {$20000.00} was noted in the payment since it was a single electronic payment but the amount does not show in the accounting of the mortgage. In particular, the mortgage principal shows a reduction of {$5000.00} only. Several calls have been made, with the most recent saying it will take XXXX5 business days to apply this ; unfortunately, this is contrary to Federal law requiring payments be applied on the day received. Their mishandling has incurred extra interest charges since the principal was not reduced. Additionally, they changed the next payment date, apparently with a policy to pay up to two months ahead with extra payments instead of applying to principal ; this was not provided in any documents or truth in lending, and results in the customer paying higher interest for the loan which is disturbing when Select Portfolio Servicing , Inc. already maintains an escrow account with has more than a months payment in it.
Product: Vehicle loan or lease

Please do not close this complaint. GM Financial is trying to get from me more than the vehicle buy out lease amount. The buyout lease amount was under $ XXXX. The dealership purchased the lease turn-in vehicle in the amount of {$10000.00}. GM financial is trying to get an additional amount over $ XXXX ( which they added to my credit report. While I understand that the mileage was over the amount allocated, GM Financial should not be allowed to receive more than the lease buyout amount. They were not amenable with dealing with me directly for purchasing the vehicle outright. I don't believe that a financial institution should be allowed to add undue financial duress on a client. GM Financial should request from me the amount of the difference between the lease buyout and the amount purchased from the dealership. Approximately a little over $ XXXX. I have not received any communication from GM Financial regarding rectifying this matter. Had I simply had this vehicle repossessed I would have been charged the difference between what the vehicle was sold for and what the lease termination amount would have been.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORT XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$500.00} FIRST XXXX XXXX XXXX Balance XXXX {$11000.00} XXXX  XXXX Balance : {$580.00} XXXX BANK XXXX Balance : {$6100.00} XXXX EMPLOYEES F XXXX Balance : {$9100.00} XXXX AUTO XXXX Balance : AFFIRM XXXX XXXX Balance : AFFIRM XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : AFFIRM XXXX XXXX BalancXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding these accounts listed be deleted IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX Account # XXXX Account : XXXX XXXX XXXX XXXX Account # XXXX