23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wasnt aware that I have 2 accounts for my HOA I did pay one account this year and I ask the agent if I owe any money she said I dont few months later I received a letter I owe a amount for different account. I ask her for the payoff amount. And is way too much for attorney charger and fees last time the amount was more than this one and I payed less amount. I need help please
Product: Credit card or prepaid card

I received a KeyBank XXXX unsolicited. This is a known scam in West Virginia. I have not activated card
Product: Credit reporting or other personal consumer reports

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


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 XXXXXX/XX/year> XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card or prepaid card

In XX/XX/2023 I opened an account with Wells Fargo reacting to the marketing offer. Starting in XXXX I have worked in the XXXX and to that effect I requested the bank to send me a paper bill to the XXXX address. The bill never arrived. 
Furthermore the bank apparently mispelled my US address therefore despite speaking with three people at the bank 's customer service I was given no assistance regarding the exact start of the account. 
The issue is that the marketing offer extended relates to spend of {$3000.00} within the 90 days of the account opening. Since the bank blocked my online access as I am using my device overseas ( foreign IP address ) as threat it also refused to provide me with the account opening date. I think this is done on purpose so the 90 days threshold is not met and this info is absolutely no way related to the account security. Furthermore the WF staff is utterly rude and unprofessional and instead of providing the solution to the problem such as this they just offer meaningless and ridiculous talking points which have absolutely no relation to reality
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. XXXX XXXX XXXX {$520.00}
Product: Debt collection

In 2016 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in the hospital for 3 weeks and was XXXX for a few months. I had medicaid. These debts were supposed to be paid by Medicaid. In XXXX I called medicaid with Americollect and medicaid verified I had coverage but that they wouldnt pay as its over a year old. XXXX XXXX recognizes they made a mistake and said they would remove it from my credit but they have not yet.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at on XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ) with a balance of {$150.00}, an account opened at XXXX  that was opened XX/XX/XXXX under the account number ( XXXX ) with a balance of {$180.00}, and a another credit account opened with XXXX on XX/XX/XXXX, XXXX under the account number ( XXXX ) with a balance of {$220.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( CAPITAL ONE BANK USA XXXX XXXX, CAPITAL ONE BANK USA XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress Card was sent a letter of dispute. After review of my credit reports, First Progress Card has not marked my account as disputed as required by the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The EXperian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$260000.00}.
Product: Checking or savings account

I signed up for a business account with WISE formerly TransferWise. My business name is XXXX XXXX For no reason that they explained the account was immediately closed and the money in the account was not refunded to me. 

I have called the customer service multiple times. I was told that this is a separate department and I can submit information to their email. 

I have not received any response. I looked through their website and they promise 3 months to send any money in the account back. 

I did a dispute with my bank and was told to contact them which I have done multiple times. 

This is not being resolved. They have taken my money. I want it back.
Product: Debt collection

Between XX/XX/XXXX - XX/XX/XXXX a collection agency named L J ROSS ASSOCIATES added a collection account to my credit report I was never notified by mail by this company at all just appeared on my credit report randomly .... 

XX/XX/XXXX I wrote a letter requesting the following info from L J ROSS ASSOCIATES : " 1 ) Complete payment history, the requirement which has been established by Spears v. Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509.Please provide the verification by line item ( with an explanation of each Item, such as when the purchase took place, how much the item was, were the goods received, when the goods were received, etc. ) for the entire amount you claim I owe, obtained directly from the Original Creditor. 
2 ) Date of Last Activity 3 ) My FULL, COMPLETE, and CORRECT social security number that may help identify me as the correct person you are trying to collect from.

4 ) Agreement that bears the signature of the alleged debtor, wherein that person agreed to pay the original creditor.

5 ) The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6 ) Proof of photo identification ( i.e., driver & # XXXX ; s license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
7 ) Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002, WL 32173704 ( D.Conn, Oct 29, 2002 ) - information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase clearly to obtain : The source of debt and the amount the bad debt buyer paid for plaintiff & # XXXX ; s debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect debt. 
8 ) Proof that this debt has not been written off as a tax liability.

9 ) Any other intimate knowledge of the creation of the debt by you, the collection agency. '' Never received a response therefore I sent a letter XX/XX/XXXX stating " As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. '' No response and it is still reporting on my credit report
Product: Credit reporting or other personal consumer reports

Experian failed to do a proper investigation on an account with XXXX XXXX XXXX  and continues to report the negative close account on my report. 
I have provide a letter from XXXXXXXX XXXX that they have removed the account from my credit report but Experian continues to report it. 
Therefore experian failed to do a proper investigation with the lettter dated from XXXX is XX/XX/year>.
Product: Mortgage

Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.
Product: Vehicle loan or lease

This is now my FIFTH COMPLAINT for the same matter. XXXXBridgecrest has not provided title to the car but they acknowledge that I paid off the loan in full at the end of XXXX. My fourth complaint still shows open in your portal but the company has not made contact and I think five months is long enough to wait for the title. 
Do I need to start writing congress? Can XXXX XXXX help me if I contact her? As you can tell, I am beyond frustrated.
Product: Credit card or prepaid card

On XX/XX/22, I received a general credit card from Bank of America in my deceased mother 's name. I called Bank of America to report identity theft. The credit card was closed immediately as well as my mother 's name was flagged as deceased to avoid potential for future reoccurrences.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Debt collection

I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.
Product: Credit reporting or other personal consumer reports

XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts :
Product: Credit card or prepaid card

The Bank of America credit card got lost in the mail, someone stole it and used it On XX/XX/XXXX & XXXX to make some Phone and Hospital payments, the total was {$230.00}. I call them to cancel the card and make a claim, they issue a temporary credit on my account on XX/XX/XXXX & XXXX, but the person who fill the claim didnt state that the card was stolen, and as a result of this it was solved against me. They put back the charges on my credit card on XX/XX/XXXX even when they knew I did not make those charges. 

I call back again, and reopen the claim, making sure that they state that my card got lost in the mail and stolen. I never used that card. So they open a new claim, but didnt issue a new temporary credit. Then I receive the notice that my claim has been resolved and the temporary credit was now permanent. But there was no temporary credit on my account. 
I call back again, and they said to wait 5 days. So I wait, and nothing. 
I call back again, and they said to wait 48h. So I wait, and nothing. 
I call back again, and they said that in 48h theyre going to call me back to figure out when to give back the money, because they cant do anything. 

Bank of America refuses to give me my money back even after willingly accepting they made a mistake and I did not in fact spent it. 

They have stated in 4 different recorded phone calls I will get the money back in a certain timeframe, but every time they fail to do so, its almost like they just want to get me off the line and scrub this under the rug.
Product: Prepaid card

Receive a XXXX visa Gift card. Issued by US Bank National Association call check balance confirms balance is XXXXXXXX XXXX but the card is declined on every transaction I tried to use. Website on back XXXX is invalid called customer service number on back of card XXXX guy said card. Needed to be registered said he would transfer me instead hung up.
Product: Credit reporting or other personal consumer reports

My mortgage loan belong to XXXX XXXX in XXXX  the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three Experian, XXXX and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Product: Mortgage

My initial home equity loan with Wells Fargo XXXX loan # XXXX ) started in XX/XX/XXXX for {$110000.00}. The monthly payment was {$900.00}. The loan was for 15 years with a balloon payment of {$91000.00} due in XX/XX/XXXX. At least 70 % of the monthly payments were for interest which meant the loan was not being paid down by applying more to the principal. Therefore, only {$24000.00} would actually be applied toward the loan by the time the balloon payment was due. How is this type of loan beneficial to homeowners who are trying to pay their homes ' off? In XXXX, I called XXXX XXXX to try to obtain a new loan that would result in me paying my home equity loan off and not have a balloon payment. I talked to people in the Home Equity Solutions, Home Equity, Loan Modifications, Premier Banker, Home Preservation, and Subordination Departments. I also talked to XXXX, XXXX, ext XXXX, ( do not recall what department she worked in ). No one in Wells Fargo offered a solution, they just stated that in XXXX, I would be able to do a loan modification for the initial home equity loan. This solution benefited Wells Fargo financially because they made {$91000.00} and issued a new loan for {$93000.00} to make money. In XXXX, I received a Account Overview that stated that the home equity loan would be modified in XX/XX/XXXX with an outstanding balance of {$100000.00}. The document mentioned that they are here for me and happy to have me as a customer. It also stated that Wells Fargo appreciated the opportunity to help me to continue to enjoy the advantages and benefits of my home equity financing. How could I be happy paying for a loan for 15 years and still owing {$91000.00}? This institution is not interested in assisting homeowners so they can pay off a home equity loan in positive financial way. It is about the money for them. It is obvious that there is an issue at Wells Fargo after the government fined them $ XXXX. Yes, Wells Fargo did a loan modification for me in XXXX but the loan amount was {$93000.00} with a monthly payment of {$500.00} ( new loan # XXXX ). This loan will mature in 20 years in XX/XX/XXXX. Based on the initial home equity loan and the new loan modification, I will have paid the loan almost twice. I will be paying on this loan for 35 years ( 15 years for the first loan and 20 years for the new loan ), which is more than a regular 30 year mortgage. If Wells Fargo would have assisted me years ago ( before the loan modification was done ), I could have paid this loan off years ago. This financial institution did not try or want to assist me before the balloon payment was due. Also, Wells Fargo will state that there is no documentation showing that I applied for a new loan, refinance, etc., and this is true because I was told on every occasion that there was no option for me to apply for a new loan, refinance, etc. This situation is disappointing and shows how much money I paid that could have been avoided if Wells Fargo would have worked with me for a positive solution to pay this loan off before the balloon payment happened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXXXXXX XXXX XXXXXXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.
Product: Checking or savings account

XX/XX/22 My account with Amex was closed out of the blue for no reason that they can see and holding my funds and said they are sending my funds back to the original bank