23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out by mistake after checking my credit score that I have a collection bill issued from XXXX XXXX XXXX XXXX in XXXX Florida, I went to my XXXX  XXXX XXXX company, they checked and told me they have never received a bills from XXXX XXXX XXXX, I was insured and my insurance told me they would have paid it in full if they had received it, they is no claim from the Dr. or XXXX XXXX XXXX. Plus I have never received the bill also. XXXX XXXX XXXX refuse to work with me or my insurance to send us a copy of the bill and claim it has been send to the collection and you have to work with them. I have been trying with the help of my insurance to check with XXXX XXXX XXXX and the collection for the bill they have claimed to file without any response without any success, meanwhile the collection agency is reporting my bill on my credit and effecting my credit score on a bill that I was never responsible for or knew anything about. To make matter worse, XXXX XXXX XXXX is refusing to help in anyway, debt collection agency won't follow up with me and my insurance month after month. ( they don't care at all ).
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from XXXX, it shows an attempt to pull my XXXX, but it was not successful because my reports are all locked with fraud alerts. 

Synchrony has been told I have not applied for any accounts with them now and this is against the FCRA to pull a hard copy without written consent via letter, phone call or application signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2600.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$240.00} ; 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 Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX & XXXX {$2600.00} Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance XXXX {$950.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Product: Consumer Loan

In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received.

I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. 

The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. 

Thanking you in advance for your kind help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to the company ( Account recovery services ) and the phone number ( XXXX XXXX ) was disconnected, I searched for a second phone number online and discovered that the business was permanently closed. The account still appears on my credit report for the amount of {$460.00}, however this was paid in full nearly 2 years ago.
Product: Debt collection

For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting both of my XXXX cards on my credit report.
Product: Mortgage

On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX. I began payments XX/XX/XXXX of {$1400.00} with a fixed rate of 3.5 % for the term of the loan. The principal was {$1000.00} with {$460.00} going into eccrow. After closing outta pocket cost that included taxes and insurance my escrow balance was {$1.00}, XXXX starting in XXXX of XXXX, with {$4400.00} being added into that escrow account for the remaining four month left in the year. From XX/XX/XXXX till XX/XX/XXXX with {$460.00} being paid into escrow those months totaled {$3200.00}. The combined four months in XXXX and the seven month in XXXX equal the sum of {$5100.00} just in escrow for that loan account, that I paid monthly, this does not include the remains balance leftover from closing cost after taxes and insurance were paid. In XXXX of XXXX I received a notice from PennyMac saying they were raising my mortgage payments from {$1400.00} to XXXX. I Filed a dispute because I never signed or agreed to any type of Loan from PennyMac or XXXX  XXXX XXXX so I sent out and Affidavit to PennyMac requesting proof of contract in XXXX of XXXX with tracking number XXXX. PennyMac did not provide any proof of contract all they responded with was that my mortgage went up due to increase in my homeowners insurance. Which could not be true because I paid for my home owners insurance outta pocket in full for the year directly to the insurance company on XX/XX/XXXX. PennyMac and XXXX  XXXX XXXX has failed to show where this escrow money went and explain why they sent my escrow insurance money back to cause my increase in my mortgage. I was never late or missed any payments until PennyMac XXXX  XXXX XXXX conducted this fraudulent action. Which appears to be a form of loan flipping. they are attempting to get me to refinance my loan so I can go further into debt and they cause a foreclosure. By them raising my mortgage under the disguise of a insurance increase. Because I had the insurance paid in full and in escrow and they returned it and then repaid the insurance on a Loan that are debt collectors on. I did not take out a Loan from PennyMac or XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless th
e creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

on XX/XX/XXXX I filed a dispute with cash app for unrecognized charge of {$52.00} a purchase from XXXX XXXX XXXX cash app gave me a provisional credit of {$52.00}. on XX/XX/XXXX cash app reversed the provisional credit without any prior notice therefore making my account negative. ( Section 205.11 ( d ) ( 2 ) ) " Upon debiting a provisionally credited amount, the financial institution shall notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. The financial institution need honor only items that it would have paid if the provisionally credited funds had not been debited '' cash app is not in compliance,
Product: Credit reporting or other personal consumer reports

This dispute has been mailed to Equifax at the address XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX by way of certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. USPS mail tracker says the dispute was received at XXXX XXXX XXXX XXXX XXXX, GA XXXX. I want to make sure EQUIFAX IS FOLLOWING THE MANDATED COMPLIANCE PROCEDURES REQUIRED BY A CREDIT REPORTING AGENCIES. I have provided proof and explain to Equifax that the information being reported is inaccurate. XXXX XXXX just verifies everything as accurate. I believe no one has opened my dispute because it is lengthy and over 40 pages. The dispute entails a challenge of accounts, proof of identity, and proof of errors reporting on credit report. I have tried to dispute with Equifax via u.s mail and via cfpb.gov I have had no success. Equifax and XXXX XXXX XXXXXXXX XXXX are in violation of 15 usc 1681 e b. XXXX XXXX  XXXX XXXX has been disputed 3 times and no update to correct my information. XXXX XXXX account and XXXX XXXX XXXX Are inaccurately reporting late payments. FCRA 15 USC 1666 ( b ) expressly deems the reporting of transaction history as illegal, further highlighting the inaccuracies on my credit report.This is my final dispute for resolution, this and the dispute is official notice of intent to arbitrage if the dispute is not resolved within 5 business days no later than XX/XX/2023. At that time I will send a fee schedule via certified mail. Please review my dispute. I have detailed everything. Attached is a credit report marked and highlighted where errors and violations are reporting, a copy of investigations results, a copy of my title, lien release, id, social security card. Everything needed to correct the error is provided for clarification.
Product: Mortgage

My wife passed away and the mortgage was in her name, it took some time to have it placed in my name. The bank would not accept payments after she died so I missed a few payments. Wells Fargo then stopped accepting my payments for the last year. I have tried many times to talk with them, to no avail. I have saved the money {$15000.00} to pay the back payments but they wont accept it. They now want {$5000.00} more in fees for a total of {$19000.00}. 

I have asked for a loan help, but they say no i am late by a few days, i have asked to accept the {$15000.00} but they wont accept it. 
I have asked for a few more weeks to help raise money. 

I am an elderly, uneducated, XXXX XXXX XXXX man with no help. 
All my life savings is in the house in equity and the are about to take it away by XXXX XXXX, 2019. 


I can pay {$15000.00} today, but they wont accept the money, they wont finance the {$5000.00} or give me a few weeks to work and raise the balance which he desperately wants to do. The reinstatement department refuses help. 



Please help me. Please ask the foreclosure department to give us a little time to raise the money, even a few weeks would help. 

Thank you for your attention to this ..I am begging for some relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX XXXX. XXXX XXXX later my XXXX XXXX. I voluntarily repossessed the car back to XXXX XXXX. We negotiated a settlement of XXXX. This was paid in full. At that point this account should've been closed. I was shocked to see it was ruining my credit. XXXX I add the car had under XXXX put on it total and was returned in the same condition as when purchased. All this occurred in XXXX
Product: Consumer Loan

I leased a car from the XXXX XXXX in XXXX, Florida and the manager told me that I could return it at the end of one year and negotiate a different lease with Ford Credit and pointed to XXXX cars in his lot that he stated were returned prior to the end of their lease and just after one year and that it was acceptable to Ford Credit. 
I returned with my car on month eleven to discuss with the dealership and they referred me back to Ford Credit who informed me that they did not negotiate any leases and the manager had no right to make that statement to me. 
I returned the car and Ford Credit pursued me for a judgement and stated that they took the car to a wholesale auction and let it go for a very low amount and obtained a judgement against me for approximately {$22000.00} plus legal fees and interest. If I had continued to pay the remainder of the lease then I would have paid less than {$19000.00} and I am currently looking at a payoff about after negotiating with a collection attorney ( XXXX of XXXX, Florida ) for {$25000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts and fraudulent inquiries on my report. Please remove these fraudulent accounts and fraudulent inquiries from my report because they are hindering me from obtaining credit. I don't recognize these accounts and inquiries : XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are   XXXX   accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX   XXXX   account and   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX    account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.
Product: Mortgage

When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights Under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Writ of garnishment. Start date XXXX. Total garnishment amount {$690.00}. To Payee, Kurt A. HolmesXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. For judgement creditor XXXX XXXX XXXX XXXX Case is from XXXX I never received any communication on this. Also debt is XXXX years old. Way past statue of limitations.