23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX  They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to XXXX XXXX in early XXXX. I received two checks from XXXXXXXX XXXX with my name and my mortgage companys name which at that time was XXXX XXXX  I signed the checks and sent them to XXXX to be counter signed. They held onto it for about two months, and then sold my mortgage off to Freedom Mortgage along with my checks and everything that backed up my losses. I have begged Freedom Mortgage to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for Dwelling - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( XXXX XXXX ). I have recently been diagnosed with XXXX XXXX, and Im going through treatment and can not even afford my medical bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.
Product: Credit reporting or other personal consumer reports

Beginning around about XXXX or XXXX of XXXX, out of nowhere a bank finance company called ALLY BANK that I used to deal with paying my XXXX XXXX XXXX ( that has been totaled since XX/XX/XXXX ) has been trying to reach out to me claiming that I still owe on this loan. However, since 4 years have now gone by, I was not sure why they were asking about payments all of a sudden. As stated this car has been totaled out since XX/XX/XXXX, my insurance through XXXX at the time. XXXX covered the expenses, and my gap insurance that I paid for as well covered the remaining balance. So its odd to me that 4 years later this company is demanding a payment. Since I refuse to pay, it has been effecting my credit score very negatively. I have tried reaching out to corporate of Ally, and no one can give me an explanation. I have also tried reaching out to the gap insurance company to pull the information of proof that they covered the remaining costs and they have also been no help, as this was 4 years ago and they said they can not pull records from that long ago. As frustrating as this is, I have no idea what to do at this point. My credit is being effected and this is not at all fair. If I had the means and opportunity I would be suing Ally bank. In the mean time I would really like for this to be resolved in any way as soon as possible.
Product: Debt collection

I am a consumer. There is not a third party representing me. I have explained to Transunion that I am not liable to pay this debt from XXXX XXXX XXXX XXXXXXXX and that they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company consumer adjustment company inc has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Transunion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Transunion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Transunion is in violation of several laws. This is a defamation of my character and damage to my financial life. As a XXXX  I would expect the very least and as a XXXX  I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Transunion immediately and PERMANENTLY delete this information on this fraudulent debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Transunion is in violation of several FCRA laws. I demand that Transunion delete this stated fraudulent debt from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX and XXXX, Settlement division received an Offer for the Property located at XXXX XXXX XXXX XXXX XXXX Pa. XXXX, settlement officer named XXXX  XXXX, received a U.S. Currency Note USN, of {>= $1,000,000} in which they received on or about XX/XX/2021, they XXXX XXXX never responded, nor did they return the item or the Offer, upon there acceptance the obligation to Proform is on XXXX XXXX. 
see attach documents
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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
Product: Debt collection

Interstate collections of Idaho has a debt that I owe to the state of Idaho. They are trying to collect around {$1100.00} dollars from me, when the original fine from the Idaho state of occupational licenses was {$850.00}.
Product: Credit card

Capital One has language on the back of their statement describing their terms and conditions. Part of that language covers the situation when previous balances had been paid in full without incurring interest charges, and the first month the previous balance was not paid in full. Their wording is that " If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' However their billing system applies average daily balance method in this situation, violating their owns terms and conditions and charging excess interest to all of their customers.
Product: Credit card or prepaid card

American Express National Bank has locked my account and prevented me from accessing my only money to support my family. My unemployment benefits were deposited into my account on XX/XX/2020, my account was locked XX/XX/2020. On XX/XX/2020 I tried contacting the customer service center and for hours every phone call attempt I made to the only customer service number available was disconnected without reaching a representative. I reached out to American Express National Bank on XXXX  along with many other customers about the same issue and we were all told to keep trying to call. I have made several call attempts since then that have only resulted in waiting on hold for hours without reaching a representative. I have currently been on hold with no answer for 2 hours and 8 minutes and it is XXXX on XX/XX/2020. American Express National Bank has stolen my money and refuses to answer their customer service line to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Transunion on XXXX XXXX, 2022 with complete attachments of my personal information including the Police Report. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?
Product: Mortgage

My Mortgage company has been charging my account for escrow fees each year, which was not on my original loan. They started doing this when I was late in paying my taxes maybe three years ago. They charge {$12000.00} k a year. By them doing that It made it more harder on my behalf yo come up with my monthly dues. i already have complained about this but all they did was to spread the payment over 12 months. Which Is I didnt find a solution. I just want this company to stop collecting escrow fees which I know that you only pay escrow when you buy or sell a house. I could definitely pay for my own property tax, from this day forward. My equity just goes to the chzrges that they impose every year. I want this company to refund me all the payment I made for escrow fees. My equity is gone because of the fees theh charge each year.
Product: Mortgage

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMS is collecting a debt for XXXX from 2011. I have never received a bill from commonwealth or XXXX i have requested documents requesting information in regards to original collector but have not been provided any information. I was advised that they dont have any information accept the name of the hospital not the location of the hospital, name of doctor nor a phone number for the particular hospital or doctor. I have confirmed with my insurance company they do not have anything on file of that nature. i have requested from Common wealth and the XXXX credit b. for proof of the original bill which nobody will provide me. XXXX closed out the debit however XXXX denied my request and adv me to contact the debt collector for more information however they are not providing anything either. I still have not received any bill with any information from Common Wealth or written communication nor phone calls prior to affecting my credit, I had to call them when i noticed my credit score dropped. They did not provide me an account number either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to transunion and got it corrected only for it to revert back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Product: Debt collection

I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified Experian and XXXX  on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition Experian is reporting a XXXX  ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.
Product: Vehicle loan or lease

Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.
Product: Checking or savings account

XX/XX/23 PNC Bank closed my Smart Access checking account. XX/XX/23 US TREASURY attempted to deposit an SSA payment for XXXX into a closed account. PNC bank did not return the payment to the US TREASURY because they stated the Smart Access account was closed onXXXX/23. As of XX/XX/23 neither the US TREASURY or PNC bank has resolved the issue by returning the funds to XXXX XXXX XXXX in which the I am entitled to since the payment is due to myself. I've been going back and forth with both the bank and social security in which I'm still waiting a whole 30 days for this to occur and it has not happened. I really need my monthly payment due to the hardship it has caused me, I'm currently living in a homeless shelter without any recourse since both companies involved have been less than helpful with no resolution. Please help me retrieve the funds that are owed to me as quickly as possible so someone else who needs a place to rest, eat, and sleep can utilize this service.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX of th XXXX dealership did not authorize for credit to be ran unauthorized credit inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not Equifax and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and Equifax list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes
Product: Mortgage

XX/XX/XXXX asked Wells Fargo to remove acct as responsibility was xwifes. Filed previous complaint with CFPB. Findings were up to x-wife to refinance to remove name from loan # XXXX. 

My credit on XXXX  is still being destroyed by her debt remaining on my credit. I have no paperwork submitted to them debt was paid. Late payments were never removed. I found out through a conversation with a friend that she sold house. This is unfair to hold her past irresponsibility on my credit. Documents prove it is her debt. They already had the paperwork presented. This is vicious and unethical to continue to mar my credit. 

Please remove debt and its poor payment history from my credit. We divorced in XXXX. Debt was her responsibility.
Product: Mortgage

I have been trying to get 2nd pay off information from my mortgage company ( Fay Servicing LLC ). I am verify by the automated system then by the representative, then I ask for a pay off and I am told I can not get one because I am in bankruptcy and the request has to come from my lawyer. I advise them that on XX/XX/XXXX my lawyer fax Fay Servicing an authorization letter, I was told they did not receive that letter so I email a copy of the letter the lawyer sent to me. The representative advise me the account number was missing I contacted the lawyer and on XX/XX/XXXX a revise letter was fax with the account number information added. XX/XX/XXXX I call to get that payoff and I was told the request have to come from the lawyer. I again advise them two letters were fax to Fay Servicing and I was told the zip code is incorrect and the account number is missing. I contacted the lawyer and was told all that information is on the 2nd letter and they don't know what is going on.
Product: Checking or savings account

US bank has reported on my XXXX XXXX  that there is a remaining balance on my account I have attempted to resolve this with their customer service department and their collections department and they have left with with no choice but to make a complaint with the CFPB and XXXX  due to their noncompliance of their own policies. 

I know they usually read a disclosure upon opening up an account with them as any bank should, but since I wasn't present in the account opening process ( via unauthorized account opening ). 

The second issue is when I called US Bank a second time they told me that this account was something called a " Safe-Debit '' Account and they do not allow overdrafts at all from what the representative said. 

I also did mention that I made a police report to the local authorities since I have no knowledge of this account at all. 

Since I didnt open any account with them nor do I have any plans on opening any in the future. 

So to conclude, there a re two main issues in this report. 

XXXX. ) Unauthorized Account Opening. 

XXXX. ) Non-Overdraft Eligible Account I know my rights have been violated, Therefore I DEMAND that this account be removed off of my XXXX XXXX  and every other report that would report a checking account ( ex : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX etc. ) This has been going on for such a long time with no resolution. 

I will not take this report down please do not call me to negotiate anything to do with this matter. 

Thank you for your time.