23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My Student Loan is now paid off as of XX/XX/year>. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.
Product: Credit card or prepaid card

I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed account!
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Reported : XX/XX/XXXX - {$500.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX  XXXX, XXXX - {$500.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

A XXXX XXXX I have XXXX  me a bad check
Product: Mortgage

During the start of XXXX Wellsfargo had XXXX payment assistance plan for their customers. I participated in the assistance plan for 1 month, and I decided that I was able to continue to pay my mortgage regularly the next month. I called their customer service reps and I was told that the unpaid amount under the CARES ACT would be just added to the end of my loan. I never signed or received any documents. 

On XX/XX/22, I decided to apply with wellsfargo to refinance my home. I provided them with over 60 documents, everyday seemed like a hurdle and they continued to ask for documents that seemed almost impossible to obtain. I continued to provide them with the impossible within a few hours of them requesting documents. In this process, I learned that the 1 month of XXXX  relief automatically flagged my account as in " forbearance. '' This was never explained to me and obviously will affect any other mortgage company I try to contact. After almost 2 weeks of underwriting -- they call me to say that " things had changed and how much money I had in my checking account because to make the refinancing work I needed to provide cash '' this was today XX/XX/22. I told the mortage advisor to close my application since it has been a hurdle each time. He said " OK '' and hung up on me. They closed out the application. As I am working with a different bank, they notice that wellsfargo has listed my account to be in " forbearance. '' I asked them for payments made for the last 12 months to prove that I have made them, and documentation that explains I " exited forbearance '' they sent me the document -- it was never signed by me because I never was notified that they were doing this. Please let me know if you can help. This is unfair. It is almost like wellsfargo knew I wouldn't be able to provide the cash since they could see my bank account so I could close out the application. This avoids them from " having to reject a minority. ''
Product: Payday loan, title loan, or personal loan

I inquired about a personal loan through moneylion. And that's all it was was an inquiry I never received any money from them and now it shows that all my credit report that I received {$1000.00} from them and now it says I still owe them {$220.00}. This company never gave me {$1000.00} or loan me {$1000.00} I never got {$1000.00} from this company in any way shape or form
Product: Debt collection

this is not my debt, this debt was never verified and put on my credit report. I called the company, they have no verification of this debt, never contacted me at all. I need this removed immediately its false information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Product: Debt collection

This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.
Product: Credit reporting or other personal consumer reports

Credit Collection Service put a collection on my credit report that was invalid from XXXX XXXX. The general claims I owe them money when I didnt have the vehicle during the times they charged me. I have tried contacting them but they wont fix the incorrect charges. We only had the vehicle for a short time since it had major undisclosed issues we was caught off guard by. I have filed a XXXX for XXXX XXXX in attempts to have someone with authority to review this. I am also requesting that Credit Collection Service deleted the collection from my report for being invalid and incorrect.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 the 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  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 reporting or other personal consumer reports

I am writing to request the removal of inaccurate and outdated personal information from my credit report. 

Specifically, I would like the following addresses to be corrected or removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX The correct and current address is : XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account, XXXX. Ref # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card '' account under an open end XXXX consumer credit plan as late for and purpose. XXXX XXXX Repost. I have returned the equipment and would like this matter to resolved.
Product: Debt collection

True accord llc is a debt collection agency that on XXXX has taken action from XXXXXXXX XXXX the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted XXXX  back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with True Accord about this matter
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}
Product: Checking or savings account

My account with credit karma was locked for receiving a paycheck from my live in girlfriends employer. Credit karma insists the situation has been escalated and i will be contacted. There has been no contact and they refuse to divulge how to get in contact with the department that handles these matters
Product: Mortgage

I was seeking to refinance my current home mortgage. I looked at several companies and received Good Faith Estimates from a handful of lenders. One of those lenders that was under consideration was Royal United Mortgage. The loan officer is named XXXX XXXX. On XX/XX/2016, I was contacted by XXXX XXXX after visiting XXXX and requesting information on possible lenders. After reviewing the estimate he provided and comparing it to other offers I had, I chose to go with a different lending company. There had not been a closing. I notified XXXX XXXX of my decision via email on XXXX XXXX, 2016. I then received a letter in the mail on XX/XX/2016, from my XXXX homeowner 's insurance stating that on XX/XX/XXXX, Royal United Mortgage had amended my insurance to delete my current mortgage company ( XXXX ) and added themselves as my mortgage lender. This was completed without my knowledge and without a formal closing on the loan. I do not know what other changes to my other accounts they may have made. I do not feel that this was ethical or professional for them to make these changes prior to closing on this loan. I have notified XXXX XXXX in writing that I am livid over this matter ; that I will not be using his company 's services and that they must undo whatever changes to my accounts that they have made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2500.00} Account Sent to Collection, disuputed as i am not aware of this acct. Still showing on credit report.
Product: Debt collection

I feel like my credit card company is over charging me late fees for the credit card I need to pay off. I’ve been pay $XXXX  since the beginning of the year every month when called to ask what the remaining balance still is they said it was still 4,000plus that’s what it was starting off so I’m not sure why it hasn’t gone down after all these months.
Product: Checking or savings account

Trying to close 4 different CD accounts, they removed the ability to do this on the website. Using the app, I submitted routing/account numbers, double and triple verified as correct. 

CIT is refusing to do this and is holding my money hostage. I called and begged them to close the accounts and transfer the money. They claim my routing numbers are incorrect, this is 100 % false because I typed the account number correctly in the secure message, triple checked it is correct. 

They refuse to help over the phone. They refuse to help over secure message. I don't know what to do. 

Please help.
Product: Checking or savings account

this the only bank i know refuse me a credit, while im dispute. i have to file a federal complaint. its a standard to assist customers at most banks, XXXX provisional credits but Credit Karma, w/ XXXX XXXX, has me needing to take this route and disclose more far reaching and to masses. the reps at Credit Karma are telling customers they refuse provisional credits to protect themselves, but that hurts the consumer. a Consumer Financial Protection report is needed here because they protect fraud w merchants and themselves, but not the customer in valid dispute. i want the measly {$50.00} provisional credit as is standard w banking, immediate, not after their initial 10 day investigation before this is considered. what a subpar conundrum i just found as new cust to this product and service at Credit Karma. here i thought to use this serv and name, for consumer protections, yet, they aid merchant rip off, then its " furthered consumer harms, they say, to protect themselves? is this at XXXX bc i need those trusting what i thought as reputable name brand, to know theyre the least likely to aid/protect consumer, 10 business days/ 14 calendar days in a dispute... they still holding that? until my direct deposit? ill b ending this use.
Product: Credit card or prepaid card

In XX/XX/XXXX, I got a notice of a credit report inquiry. I checked and it was an inquiry to XXXX by Bank of America. I called BoA on XX/XX/XXXX to ask about the inquiry. They said they had no record of an application using my social security number. I asked them to not open any account in my name or ssn. I was given BoA case ID XXXX. 

In early XX/XX/XXXX I got a credit notice of a new account opened. I immediately called BoA to report this account as fraud. I was told it would be closed and an investigation started. Subsequently, I was sent a credit card. I also received a bill with an annual charge. After many failed attempts to get the annual fee for the fraudulent account removed, I was forced to pay the {$75.00} annual fee or they would charge late fees and report late payments to the credit reporting agencies. 

BoA has refused to send me a copy of the application ( which I believe does not exist ) and will not remove their charge that I never agreed to. I have spent hours on the phone and their tactic is to continually transfer you to someone else that still can not help you. They have taken {$75.00} from me and hold my excellent credit score as hostage. I was actually asked in my most recent call, Were you made aware of this from a notification from XXXX? Seems this isnt an isolated incident. What can I do to get this resolved?
Product: Debt collection

Multiple calls each week from Client Services regarding a very old payday loan debt that was discharged in bankruptcy. I have asked them to stop both nicely and not so nice and they continue to call and threaten to take me to court. Not sure of the amount, it is less than {$1000.00}. They called on XX/XX/2022 and they call once a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing that I have missed payments or derogatory indicators on 1 account. No other credit reporting agency shows this. Experian does not name the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we entered into a contract with XXXX XXXX XXXX to replace a window, an entry door and 3 patio doors. They installed them in XX/XX/XXXX, but 2 of the patio doors were not the doors we ordered. 
They said they would reorder them. They said it would take about 6 months to replace them. I paid for the window, the entry door and the 1 patio door, but I did not pay for the 2 patio doors that were not correct. 
In accordance with our contract with XXXX XXXX XXXX. 
On XX/XX/XXXX our house burned down. 
I advised XXXX XXXX XXXXXXXX and Green Sky that we still wanted the 2 patio doors we ordered and would set up a installation date when we rebuilt our house. The installed the 2 doors in XX/XX/XXXX. 
I paid for the 2 doors in full in XXXX. 
The problem I have is Green Sky and XXXX XXXX placed the bill for the 2 patio doors in collection in XX/XX/XXXX. I was never advised about this action. Due to this my Credit Score dropped from over XXXX to the mid XXXX.
Product: Debt collection

XXXX was sent to debt collector that was from XXXX XXXX Bank indicating that I do not owe debt, XX/XX/2023. I think this is the same company as XXXX or they sold the debt again.
Product: Money transfer, virtual currency, or money service

I opened a Cash App card, XX/XX/year> at approximately XXXX pm central standard time. I saw that the card was immediately XXXX and the data was not present on the card. I have seen this before with XXXX  and XXXX  issued several cards to my XXXX XXXX and I was given XXXX of the cards therefore, every time I would go to the store XXXX people would show up and shop in my name with cars leaked to my account so I understood the game, immediately XXXX minutes later requested for cash app to cancel the card. It had not been issued. There was not any data on the card into my dismay cash app stated I have to activate the card to cancel it. I wanted to know what policy stated that you had to activate a cash card or credit card in order to cash it Again cash app to cancel. I was told that I had to connect with accounts or XXXX XXXX to access the card. My response was had to submit my URL to another company because of fraud. Why would I submit a card to a better question how would or has access to a cash app card that I did not have access to I have seen this fraud game before with XXXX  issuing several parts blocking any data from linking accounts that I was not aware of me to pause. I believe that cash app, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX have all engaged in money laundering and have linked accounts to legitimate accounts, however, the legitimate account holder have no idea that those other accounts exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company Equifax is continuously reporting personal information incorrectly. 

A second address that is undeliverable for mail. 

A middle name that is not authorized due to identity theft in XXXX, 2018. 

Employment should be blank due to ID theft. Birthdate and last 4 digits of social security number should be blank also.
Product: Debt collection

I received a notice in the mail a few days ago, from a company ( Collection Agency name Jefferson Capital Systems LLC. Located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. ) ( XXXX or XXXX ). 
They claim I owe XXXX an amount of ( {$27.00} ). They wanted me to confirm my personal information, ( ie name, addresses, and the last 4 of my # SS ) which I did. The young man I spoke with his name is ( XXXX  direct number XXXX ). I disputed their claim, and advise that I will contact XXXX directly to inquire. Upon contacting XXXX, ( XXXX XXXX ) they confirm that I owe them nothing and that this company or person is fishing to gather personal information. They advise to discontinue and disregard any and all communication with this ( Agency ). They recommend reaching out to you. 

Thanks, XXXX XXXX XXXX email : XXXX XXXX