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

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX  XXXX XXXX. Attached is the documentation for verification as well as account update information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from XXXX, XXXX and TranUnion.They have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it .I have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.
Product: Mortgage

My Bank Of America Mortgage payments that I have had for XXXX years have never been late. I tried to pay my mortgage off since XXXX. The representatives that I had spoke with were providing conflicting amounts and I requested a supervisor to contact me on my cell number. Several attempts were made but never received a confirmation call back. Debt collection called me on XX/XX/24. At that time they provided me with the total and I was told to go to my bank and draw a XXXXXXXX XXXX  Check and send attention to the XXXX Department. On that day the check was sent to the location they provided. Weeks later, Dept Collections started contacting me saying the check was never received and I was past due. I spoke with a BOA representative and provided all documentation to prove my payment was submitted. She informed me that she had experienced a few individuals that had the same issue with the payments posting from them. She assured me that this would not affect my credit history and she would again note the account as was done on XX/XX/24 that payment was sent as requested. THIS IS MY FINAL PAYMENT... The payment was finally posted on XX/XX/24. At this time BOA informed me that I was required to pay an additional charge of +/- {$2000.00} because they paid the homeowners insurance. Recently I applied for funding and the credit report showed a late payment for BOA. THIS IS UNFAIR!!!! Again I have contacted BOA only to get the RUN AROUND like I have been experiencing for the past 3 months. BOA does not take care of their customers and especially the ones who have never been late on payments for 20 Years. Please Help Me!
Product: Credit reporting or other personal consumer reports

For some reason, I have been trying to establish credit for years. First it was reported I was deceased. Then it reported something else that completely stops me from getting any credit. But I see that someone else is getting invoices and products in my name somewhere. I just don't know what to do from here. I can't get any credit. I will never be able to purchase a home or anything else until this is investigated please. It's caused hardship for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid back in full to the original lender XXXX XXXX. XXXX   has acknowledged such and has released all its claims. Yet the debt still shows being owed to the SBA on my credit report.

Additionally this debt was over 7 years old and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The new collection agency called Capio Partners reported a duplicate debt on XX/XX/2022. The debt amount is {$2200.00}, they have obtained this debt from XXXX XXXX XXXX XXXX. I have disputed this debt already and it has not been corrected. So I now have on my credit report 2 collections with the Exact same amount that are duplicated from the same company. It has brought my credit report down drastically, this error has cost me so much already and need this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file.
Product: Vehicle loan or lease

A tree fell on my car and XXXX my car insurance company paid the car off but credit acceptance put my account in collections anyway, I had the insurance company pay it off
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT, THOSE ACCOUNT WERE NOT OPEN BY ME OR AUTHORIZED BY ME Credit Card Opened by the Thief, Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$430.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350.00}
Product: Mortgage

In early 2014, XXXX XXXX XXXX sold my mortgage loan to Everhome Mortgage. I started calling Everhome in early XXXX and on a daily basis and could not get a response. Shortly after, I received a letter stating the foreclosure sale would be cancelled for XXXX. Then Everhome agreed to a modification trial payment plan. I started making my XXXX payment in XXXX 2014 and continued to do so. When my payment for XXXX was mailed in On XXXX XXXX, 2014 my check was returned and I received a notice stating unless I was in an prior arrangement they could not accept the payment. I was already on a trial plan. My home was foreclosed in XXXX. The balance of my home was {$52000.00} dollrs and they sold it for {$68000.00}. My property was illegally foreclosed. Everhome told me that they sent the documents to my home. The only address I ever received my was at my XXXX XXXX . They were aware that my home was rental property and they explanation for foreclosing was because they XXXX the documents to the house.
Product: Money transfer, virtual currency, or money service

I was searching for a couch to purchase on XXXX XXXX, where I was moving to on Saturday XXXX. I messaged a seller name " XXXX '' about purchasing a couch and asked if it could be held until I moved in to my apartment on XXXX. She agreed to hold it until that date for a {$100.00} of the total {$350.00} price, then an additional {$50.00} for the delivery fee the day of. I paid through PayPal {$100.00} for the hold on XX/XX/24. The recipient was " XXXX XXXX '' with email XXXX for the PayPal account. The seller was responsive after that. I messaged on XX/XX/24 about delivery location loading zone, to which the seller responded and say they would see me there and that the delivery fee of {$50.00} can be sent over. I completed that payment on PayPal on XX/XX/24 to " XXXX XXXX '' with email XXXX. After the seller confirmed my payment, they left the conversation on the XXXX XXXX messaging app and I never received the couch or a way to contact them to get the money back. I took screenshots of all of the conversations and transactions that were made to dispute this. The seller required me to send the payments through PayPal as " Friends and Family, '' and after calling PayPal to cancel the payments, I was told I could not get it refunded from PayPal as it had been completed as " Friends and Family. '' After checking the conversation again today on XX/XX/24, the seller " XXXX '' is now " XXXX XXXX  '' and all of the messages that were previously sent by them are unavailable to be seen. I have reported this as a scam to XXXX the day this occurred, but want to get this money I was scammed out of back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit Card resold by Southwest airlines provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
Product: Credit card or prepaid card

I applied for the Bank of America business XXXX  XXXX credit card. The terms of the card gave me XXXX air miles and a {$200.00} statement credit upon spending {$2000.00} in 90 days. I met the spending requirement in early XXXX and promptly had the XXXX miles in my XXXX  XXXX account. The {$200.00} credit never arrived in my account. I have called 5-6 times since XXXX asking when I would get the credit. Each time I was told to wait a few weeks and received different answers. XX/XX/XXXX was 90 days after the {$2000.00} spending requirement purchase was met and the maximum allowed time for Bank of America to pay me this credit. They have not. I called them on XX/XX/XXXX and they said they would look into it ( weren't they already after 5 calls from me? ). I didn't hear back. I called them today, XX/XX/XXXX and after waiting on hold for an hour was told they had decided I wasn't eligible for the promotion of {$200.00}. Interesting as I was awarded the air miles and obviously successfully met the spending requirements. The same offer of 40,000 XXXX XXXX miles and {$200.00} credit is the current public offer posted on their website, so this was not some ephemeral happening. I have attached a screenshot of the offer page from when I applied.
Product: Debt collection

In the year of 2024 I been receiving letters from a company in regards to a XXXX XXXX debt that I do not acknowledge in any way nor do I recall this debt. I feel harassed and now I have been summons for court in attempt to illegally sue me for this XXXX XXXX debt that I do not acknowledge nor have any recollection of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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: Student loan

I attended college XX/XX/XXXX at XXXX at XXXX and I have been paying off loan since XX/XX/XXXX and have not made a dent in the amount owed. A matter of fact, I often questioned the amount owed and asked for copies of my promissory note, which I have never received. Through the years, my loan was transferred from one entity to the next and the outcome for me was increased in the amount owed. I continued to get hidden cost and the amount seems never to go down. It has been {$60000.00} owed for a long time and I have been paying anywhere from {$500.00} to {$400.00} a month. Lately, it shows {$58000.00}, which they continue to say it is only towards the principal. I would like to see my signature of what I actually borrowed and paid ; not just printouts of what I have paid. I feel I have been ripped off by XXXX and now the State of XXXX and the student loan industry. Where is my actual promissory note for the XXXX. They tell me that this is what they received from other lenders. What is the amount and why does it take years for the amount go down. A mortgage is cheaper than a student loan. I can not get legitimate information about the real amount borrowed so that I can validate the amount owed, which seldom goes down. This should be illegal. School - XXXX in XXXX, XXXX. I also attended XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XX/XX/XXXX.
Product: Credit card

on XX/XX/2023 i mr XXXX XXXX asked captiol one about my bill and sent payment in XXXX-2023 for card endind in XXXX and capitol one said XX/XX/2023 that everything is correct well how could that be when i have my proof of payment right hereand im the admistitor of this accout
Product: Student loan

My Federal Loans have transferred to Mohela. I have always been able to make payment from my checking account to Mohela with no issues prior to XX/XX/XXXX. I was not making regular payments due to the federal pause and have been preparing for the repayment restarting as of XX/XX/XXXX. 

I was placed on an Administrative Forbearance on XX/XX/XXXX. This is not something I requested and I take issue with Mohela collecting interest for a Forbearance that was not requested by myself. I have attempted to make several payments to Mohela via XXXX XXXX and XXXX time payments. Each time, I receive a message that my financial institution has returned the payment. This is simply not true and my account information has not changed with previous payments being processed with no issue. I would like to make my payments and not face interest penalties for something I did not request. 

My current XXXX plan payments are {$170.00} and my new monthly payment plan ( as per studentaid.gov ) will be {$630.00}. 

I received notice that my auto debit was approved and will be debited on XX/XX/XXXX but do not know the amount to be withdrawn or if this auto debit will also be rejected once again. I need to understand the amount to be withdrawn to financially prepare. 

I have attempted to contact Mohela via telephone with over XXXX hour wait times and have been unsuccessful in speaking with a representative. I sent an email complaint regarding this issue on XX/XX/XXXX and have not received any response.
Product: Credit card or prepaid card

On XX/XX/2020 there was an unauthorized ATM withdrawal for {$800.00} followed by another unauthorized ATM withdrawal for {$1000.00} at the same ATM machine a few hours later on XX/XX/2020. I notified Bank of America immediately but they have not helped me, I supplied a police report but still no refund to my account.
Product: Credit reporting or other personal consumer reports

My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.
Product: Debt collection

I have a debt collection reporting on my credit for services that I did not use. Based on the remarks on my credit, the debt originated from cash advance company which I've never used. This information appears to be frivolous as well as inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to Inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) ******
Product: Debt collection

XX/XX/XXXX I received a levy for a debt collection company called XXXX XXXX XXXX They had advised me that they has took all of our funds from mine and my wife joint checking and savings accounts zeroing out the balances now my bills have been returned for NSF. I have no debt or contract with this company I'm not sure why they are harassing me for a debt that doesn't belong to me. They will not return any of our calls in regards to debt it goes straight to voicemail, So if I wanted to make arrangements on this debt if it was my debt which it's not they had no intentions to work with me and they still would have taken every dime I had. I pulled up the case in the Missouri Case net case # XXXX and it showed this was a debt starting in XX/XX/XXXX. I called and left numerous messages and no one has responded and now being the XX/XX/XXXX. They are not willing to discuss the account with me because I do believe they are aware this is not my debt and took my funds anyway. Then they say the original judgement was for {$5900.00} they have doubled the amount of the debt adding post judgement interest of {$4600.00} for a balance of {$10000.00}. I have knowledge of charge off debts and I'm well aware that they didn't pay the original balance of {$5900.00} to try to collect this debt they are a 3rd party vendor and the original creditor sold this account to them for pennies on the dollar due to the fact they already charged off the debt and took their loss. 

This would be the same company that filed this same case under a different case # on XX/XX/XXXX Case # XXXX XXXX and filed a transcript judgement in XXXX County court for the amount of {$5900.00} plus court cost. This company is being deceptive and have horrible business practices. I would like my funds returned this is not my debt. 


Thank you, XXXX XXXX XXXX
Product: Credit card

Made purchase last year and was told 12 months 0 % interest. Told them equal payments to ensure it was paid in full before allotted time and XXXX  {$590.00} interest hit my account. I called and asked for a copy of communication that I would be charged interest and they simply denied me a copy. I have found many that have fell victim of same issue. Its a store card for XXXX through XXXX XXXX a bread financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting my accounts as late when I was in forbearance and it damaged my credit score
Product: Mortgage

( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and EQUIFAX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that are fraudulent and outdated. I wanted them removed so I sent out letters disputing them. It has been more than XXXX days, but I did not receive any response from the bureaus.
Product: Credit card

I was charged a {$28.00} late fee on XX/XX/XXXX for missing a monthly payment that was due on XX/XX/XXXX. I paid the balance due in full on XX/XX/XXXX. 

Now this months bill charged me a {$28.00} late fee for being late last month. 

I believe the CFPB, earlier this year, reduced the typical late fee from {$32.00} to a max of {$8.00}. 

I bank with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXX  XXXX Account number XXXX {$1300.00} XXXX  XXXX Account number XXXX {$960.00} XXXX XXXX Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}
Product: Credit reporting

My credit report from Equifax have an account ( # XXXX XXXX from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.