23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Motor Finance - XXXX is reporting a late to my credit file that is erroneous. I had just bought the vehicle and was waiting for my first bill to come in the mail but it never came. I didn't have any in formation like acount number or balance to call and pay. I called them to let them know i didn't know how to proceed and they helped me out. It was not my intention to be late i just had no idea i owed them anything yet. I have made my payments since then on time and plan to keep it that way. I'm requesting that Kia Motors remove this late my credit file. It is not my fault that i wasn't billed and don't think this late way my fault. Kia Motors failed to communicate with me in a timely manner because even after my payment was due i never received any letters, notices, or calls about being late or i would have paid it immediately to avoid this going on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened.

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with XXXX XXXX 
3. See point 2.

4. See point 2.

Additionally : a. I have always paid before the due date and have paid more money than requested.

b. They can verify that the only change in my credit history was reported by XXXX XXXX, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with XXXX at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected.

I hope you can resolve my problem as soon as possible. I have a family to feed. Thank you.
Product: Credit card or prepaid card

Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.
Product: Money transfer, virtual currency, or money service

A customer of mine paid me for a competed service. PayPal is gon na hold my funds for XXXX days. It's over XXXX I need this money to pay for labor material and taxes associated with work. They already took XXXX percent from me, now I have to wait a month to get it. This is criminal behavior, I would like XXXX percent back and some because I believe this unauthorized loan is worth more than that. They don't even tell you they gon na take XXXX percent. They just take your money then " borrow the rest '' interest free without the consumer 's permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan that my wife took from XXXX while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Product: Credit reporting or other personal consumer reports

Ive requested XXXX equifax and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute
Product: Checking or savings account

I was promised a {$200.00} bonus for opening my 'SoFi Money ' account. I joined a waiting list and later was sent an email telling me my account was opened successfully. SoFi falsely advertised this promotion and conducted a bait-and-switch scheme, baited new customer and deny the promotion without notice.
Product: Mortgage

I have a home equity loan with Wells Fargo. Loan was due and payable XX/XX/XXXX. I started talking with Wells XX/XX/XXXX knowing I could not pay it off in XXXX. After about six months of talking they said they would be able to set me up with a payment plan. I said ok great what 's next. Wells told me I needed to make three months of trial payments to see if I could " afford '' it. I complied with their request made all the payments on time. Fast forward now to XX/XX/XXXX the loan they presented to me and both parties agreed to is still not completed. Wells Fargo now has reported me as being late and ruined my credit. They also mistakenly added a escrow account to my first mortgage and caused my payment to go up {$300.00} per month. So through this whole process Wells has crippled my credit and made my first mortgage payment go up and I still do not have a payment plan in place. I just want to get this payment plan done and my credit restored. I have lived in this house for 27 years and have never missed a payment on the first or second. Also I keep getting late notices and foreclosure threats. I always call to ask about the letters they tell me just ignore them your loan is in process and you should not be getting the letters.
Product: Bank account or service

I had applied and was approved for a CitiGold Checking Account on XXXX/XXXX/2016 under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX AAdvantage miles by spending {$1000.00} on my debit pin-enabled card in transactions within three months from account opening. I also needed to make two bill pays with the account in separate months. I completed all of the requirements within the three-month frame ( completed on XXXX/XXXX/2016 ) and then confirmed multiple times with the customer service team at Citi that I was eligible & had met the terms of the promotion for which I signed up for. 

I have saved documents of my chat history with customer service representatives both confirming that I was eligible for the promotional offer & that I had subsequently met all requirements to receive the miles offered by the promotion. The promotion states that XXXX AAdvantage miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/2016 & it is now past the requisite 90 days, I am now filing a formal complaint to expedite the process of receiving the miles Citi has not given me as a result of the Citigold offer.
Product: Credit reporting or other personal consumer reports

My Ex girlfriend opened accounts in my name and I need these take off my report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry on XX/XX/2024 Dear Navy Federal Credit Union, I hope this message finds you well. My name is XXXX XXXX, and I am writing regarding a credit inquiry made by Navy Federal Credit Union on my XXXX credit report dated XX/XX/2024. 

While I acknowledge and am not disputing the inquiry made on XX/XX/2024, I must inform you that the XX/XX/2024 inquiry was not made by me. I have been a victim of identity theft, and this fraudulent inquiry was conducted without my knowledge or authorization. 



To support my claim and assist in resolving this matter, I have attached the following documents for your review : 1. Copy of my birth certificate 2. Copy of my Social Security card 3. Copy of my state-issued ID 4. Police report documenting the identity theft incident 5. Copy of a recent bank statement for proof of address I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please let me know if there are any additional steps or documents required to assist in this process. 



Should you need to reach me for further clarification, I can be contacted at XXXX or via email at XXXX. Thank you for your time and attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting

Paid the bill but someone stole my cards and used it without my permission.
Product: Mortgage

Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )
Product: Credit card or prepaid card

Bank of America is engaging in fraudulent activity when consumers apply for their credit cards. In XX/XX/XXXX I applied for the Bank of America XXXX  Signature credit card and was not approved. However, Bank of America automatically approved me for the Bank of America XXXX Platinum Plus card. This is an entirely different product with a different annual fee and different features. At no point in time did I apply for this card, nevertheless Bank of America opened it in my name and it appears on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX  and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across TransUnion, XXXX, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX ( I think ) my I signed up for a Experian 30-day free trial and  about 2-3 weeks later canceled the same having arrived at the conclusion that I will not benefit from its continuation. 

Last month after receiving an email ( see attached ) from Experian informing me of " switching to a premium membership '' which I never did, my husband checked our bank statement and saw that Experian charged us {$19.00} last XX/XX/XXXX and again on  XX/XX/XXXX. 

As this membership had been canceled on the same month I signed in, we were naturally appalled that they would do this so he attempted to contact them by phone but in each instance heard a recorded message that it will take 2 hours ; 2 HOURS to be able to speak to a customer service rep. 

Suspecting that Experian did not want anyone to contact them he wrote a letter addressed to its president XXXX XXXX at their XXXX XXXX CA. address but the letter was subsequently returned with an RTS handwritten on the envelope. 

Clearly, Experian is attempting to avoid any contact with us to explain why they have charged us without our consent. 

Please help us. 
Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CT. XXXX
Product: Credit card

I have simply been trying to make a payment on my Bank of the West credit card I am unable to login to view my bill, confirm accurate transactions and make payments. When I login to the Bank of the West credit card login, Im told to visit the BMO welcome center page that includes no relevant information for logging in or making payments. Interest and fees will accumulate on my account if Im unable to pay my account and there are no branches near me. How is a bank able to stop offering fundamental services for credit cards accounts during a transition with no accountability?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report with the FTC and have disputed this account with the credit bureaus to no avail. The following account does not belong to me, maybe they are confusing my name with somebody else. Please alert the credit bureaus to remove this from my credit : XXXX XXXX XXXX {$25.00} opened XX/XX/2012
Product: Debt collection

I agreed to a settlement arrangement on a account with a rep which I believe was name XXXX on XXXX/XXXX/2015 the settlement was for XXXX, the rep advised that he had to get it approved because it was less than XXXX %, I requested proof of the settlement ( letter/email/fax ) stating that we were agreeing to settle the account. I was advised that it could be requested from the main office and given contact information. I attempted to contact the company and keep being routed to a voicemail system. I then attempted to contact XXXX on XXXX/XXXX/2015 at XXXX and again at XXXX and was repeated sent to a voice message system on the last attempt I spoke with a women who took a message. I received a call back at XXXX, it was a missed call for me because I was at work. I attempted back on XXXX/XXXX/2015 and got a rep that I tried to ask for assist with get a letter showing the agreement that we had decided on and she blind transferred me a male by the name of XXXX XXXX who then basically screamed on the phone that since I requested proof of settlement offer that the offer was off the table and that I needed to pay what I owed or else. I tried to explain that I just needed proof for my records and he keep yelling over me I asked for a manager and he said that he was the manager and that I could n't speak with anyone higher and then hung up. I called back to get a new rep and he answer and hung up at XXXX I tried calling back again at XXXX and XXXX and no one answered the telephone. I then search on line to see what company this was and called another XXXX number and a woman by the name of XXXX XXXX answered and listen to the issue and placed me on hold the line was then picked up by a XXXX XXXX and he just yelled into the telephone what do you want and I was surprised that I had been transferred and was like huh, he said you called here what do you want, I advised that I would try call XXXX XXXX back and he hung up. I did call her back and ask could she just send me a letter of review the process and she advised that she could n't help because I was not her rep. I asked for the owner and was advised the he was out but she did give his name a different XXXX XXXX than I spoke with and sais she would give him the message for request for a return call. I then got a call from XXXX from a gentleman that did n't provide his name but basically stated " they will not settle with me now since I want them to jump through hops '' by asking for a letter of the arrangement of settlement. Then he disconnected the call. I am only requesting the settlement letter because that would be my only proof that the account was settled and its shows in writing what we agreed to. I expressed several times that I did n't want to make a payment and then someone else tries to come after me for the remaining balance. I have no way of ensuing that this company honors the agreement if I can get something showing that we are agreeing.
Product: Debt collection

First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX  XXXX XXXX   XXXX. The dates they had at Action Recovery Llc did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with Action Recovery LLC and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe ARS, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.
Product: Debt collection

After reviewing my latest credit report, I identified several unauthorized accounts. Please block and remove these fraudulent entries immediately.
Product: Debt collection

On XX/XX/XXXX my vehicle was illegally repossessed by Westlake Portfolio Management. Allegedly they say I owe them money for a XXXX XXXX XXXX XXXX  which I have no standing contract with them nor has one ever existed. The company I originally got the car from was XXXX XXXX XXXX which was permanently shut down in XXXX of XXXX. Im not sure what happened to the company I believe they went bankrupt but I am not 100 % sure the case that caused their abrupt closing indefinitely. Now Westlake Portfolio Management has taken it upon themselves to repossess the vehicle because they claim that I am behind on paying them. I do not know who these people are nor have I ever entered into a verbal or written contract agreement with them. According to title 15 USC 1692f they are in violation of my rights as well as 15 USC 16802 and 15 USC 1692. Also the vehicle was taken without a court order from a judge. So this was a non judicial repossession committed by this company which is an illegal act. It is against the LAW. Since the repossession I have lost my job, I have been behind in my bills, I can not see my son as I use too for he lives two hours away and I do not have transportation to see him or let alone pick him up. This companies disregard for the law has turned my life upside down making the livelihoods of me and my family almost incorrigible. I have tried calling to speak with a supervisor but they always leave me on hold or say some one is going to call back. Its been almost two weeks since I last spoken to one of their scamming representatives and yet have I gotten a phone call in order to try and reach a peaceful and lawful resolution.
Product: Debt collection

" Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.
Product: Credit card

I already filed a complaint ( complaint ID XXXX ), and you closed it after the company replied, without investigating their false claims. It is unacceptable to take any statements from institutions as unreliable and deceptive as banks at face value without a thorough investigation. Citibank deceived my when I signed up for this credit card, and I would like this situation rectified. I'm totally fine paying my established minimum payments of {$29.00} a month, but they wont be able to get any money from me if they keep raising the interest and subsequent monthly payments