23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an addendum to CFBU Complaint number XXXX Please be advised that pursuant to further review of my files, I can verify the following : 1 ) I purchased XXXX XXXX XXXX ; XXXX, MA XXXX in XXXX 2 ) Bank of America was my lender and I used an XXXX loan schema. The primary mortgage has since been assigned to another servicer and is current. 
3 ) The second mortgage was involved in the Settlement with the Office of the Controller of the Currency in XXXX ( via the XXXX Foreclosure XXXX XXXX XXXX ) 4 ) At the time, Bofa characterized the second mortgage ( Bofa XXXX ID : XXXX ) as satisfied and paid in full. Indeed, this is precisely how Bofa has reported the loan since XXXX. 
5 ) Regardless, the loan in question closed in XXXX, past the six year statute of limitations for debt collection in MA. 
6 ) I discovered through a title search that Bofa never released the lien on my property and have been given the run around since XXXX regarding the matter. 

PROPERTY ADDRESS : XXXX XXXX XXXX ; XXXX, MA XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXXXXXXXXXX
Product: Checking or savings account

Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my    retirement account on the staff stated that IRA and Retirement    company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal  Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER DONE BUSINESS WITH THIS COMPANY! The Account number is not being fully listed on my credit report which makes the account default to be removed for inaccuracy. The original creditor sold this debt to this company which proves even further this is not my debt. I have maintained a healthy credit report since I was XXXX and now my credit is in peril due to this fraudulent account on my credit report. I demand validation/verification of this account that this debt is mine.
Product: Mortgage

Began applying for a small home equity line of credit on XXXX XXXX with Wells Fargo. I was told it would take 30 days. We have provided all documentation within 24 hours of request. It has now been 77 days and my application is still pending. We have several hundred thousands of dollars of paid equity in the mortgage ( not appreciation value ) and excellent credit as well as high verified income.
Product: Debt collection

XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state
Product: Credit reporting or other personal consumer reports

Account closed in XXXX  Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX  and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
Product: Consumer Loan

In XXXX of 2014, I tried to refinance my home loan, only to find that a loan that I had co-signed for my sister, XXXX XXXX, was reported in collections and past due by {$260.00}. ( see attached ) This prevented me from obtaining my home loan, which I was pursuing through XXXX. This is erroneous and further more insulting when Portfolio Recovery Associates provided very little information, when talking to their representative by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the CFBP can assist in clearing these fraudulent inquiries off of my report.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX MY WIFE XXXX XXXX IS A TARGET CREDIT CARD HOLDER WHEN MY WIFE OPENED THIS ACCOUNT IN 2001 SHE PUT ME DOWN AS A REFERENCE AND TARGET PUT ME DOWN AS A CARD HOLDER WHICH IS PUTTING AN IMPACT ON MY CREDIT REPORT. I ASKED MY WIFE TO REMOVE ME FROM THE ACCOUNT AND SHE WAS TOLD THAT IF SHE REMOVED ME THEY WOULD HAVE TO CLOSE THE ACCOUNT WHICH WILL HAVE A NEGATIVE IMPACT ON HER CREDIT. I WAS CURIOUS AND CALLED THEM. I TOLD THEM COULD MY WIFE ADD ADDITIONAL CARD HOLDERS THEY SAID CERTAINLY!! WITHOUT CLOSING ACCT? THEY SAID YES SO I ASKED THEM. LET ME GET THIS RIGHT SO ITS OKAY TO ADD BUT NOT DELETE CARDHOLDERS!! THAT A CONFLICT OF INTEREST. THEY LOVE YOU WHEN YOU HAVE PLENTY OF CARDHOLDERS BUT WHEN TAKE THEM OFF THEY PUNISH YOU BY FORCING YOU TO CLOSE YOUR ACCT AND PUT A NEGATIVE IMPACT ON CREDIT SCORE. I CALL XXXX XXXX, XXXX, XXXX XXXX, XXXX. ETC, NO PROBLEM DELETING CARD HOLDERS AND LEAVING ACCT ACTIVE. I ASKED TARGET IF THIS RULE WAS IN THEIR TERMS AND CONDITIONS AND SUPERVISOR WAS UNABLE TO FIND IT. TARGET NEEDS TO BE INVESTIGATED FOR THEIR CONFLICT OF INTEREST AND UNFAIR PRACTICES
Product: Bank account or service

I recently opened a saving account with USAA and has deposited {$2000.00} in it. But I ca n't withdraw money from the account because USAA said I did n't provide proper proof of address. I have sent multiple proof of address and other documents to USAA and called its customer service at least six times, and it promised to call me back ; but as of today, it has never called me back and I still can not withdraw any money from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my credit score which I am rebuilding.
Product: Debt collection

This creditor is on my report and charging interest fees as a debt collector. There is no information that advise I am the owner of this debt. No ID or SSN only a application that was filled out. I do not owe this debt and the original creditor confirmed that I do not owe them anything. I would like this removed of my credit immediately. 

In addition I want to see what all i have paid to the credit. When the payment posted? 

My wet signature to show that it is me? 

My entire payment history with the creditor and if any refunds or credits were given?
Product: Checking or savings account

In XX/XX/year>, I started the transfer of my XXXX XXXX XXXX at UMB to XXXX. On XX/XX/year>, UMB finally closed my account and transferred {$67000.00} to XXXX. With an almost {$68000.00} balance from XX/XX/XXXX to XX/XX/XXXX, it is my understanding that I should have accrued some interest during this 10 day period. 

On XX/XX/year>, I called UMB ( XXXX ) and inquired about my accrued interest. The representative told me that interest payment will only be made at the end of the month. If the account closed before the month ends, no matter how big the balance is, the customer will not receive any interest payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department  of Education  to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit report I saw accounts reporting inaccurate information. These reports have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT - Account Number : - XXXX Status : - CHARGE-OFF Toyota Motor credit account XXXX was discharged in bankruptcy a. The discharge papers and matrix are enclosed. 
b. The letter from Toyota acknowledging the bankruptcy and a copy is enclosed. 

During the last dispute XXXX re-listed the account as verified, so I initiated another dispute and it remains in dispute status. 

Last year before all the XXXX mixed files it reported correctly. 

Have XXXX  please fix the status to Discharged in Bankruptcy and leave it alone. 
It has been changed on the report several times. Yet Toyota ( as in the letter enclosed ) has verified they stopped collections and it is in bankruptcy.
Product: Checking or savings account

XX/XX/2023 I was at work when I received a phone call informing me of fraudulent charges on my account. I did not authorize any charges so I agreed they were fraudulent. I was then asked to repeat the XXXX digit pin text to my phone to secure my account. I did. 

I almost immediately received an email saying that my debit card had been added to XXXX XXXX  and XXXX XXXX  accounts and the perpetrator began using it to withdraw money from an ATM. {$440.00} was stolen from my checking account ( Chase bank reimbursed these funds later ) I immediately ran across the street to the nearest Chase bank facility. Reported the fraudulent charges on my account. My funds were then switched to a new account number As I was sitting in Chase bank the perpetrator started withdrawing money from my savings account ( Im not even sure how thats possible ). A total of {$1000.00} was stolen from my savings account in multiple ATM withdrawals of {$140.00} & {$160.00} amounts. 

Chase bank refuses to refund my stolen money despite filing a police report and immediately reporting the fraudulent withdrawls, despite a Chase bank representative being present when the account was being hacked.
Product: Debt collection

I had a fraudulent Credit card account opened in my name, with a bank called the XXXX. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my experian account, the account did appear close on my experian account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent XXXX  account which was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved.

This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances.

Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.
Product: Debt collection

A call about a debt notice was received by an elderly family member, who was harassed in order to get my mail address and phone number. I called the debt collection agency to understand what was the debt about, given that I have n't live in XXXX XXXX since XXXX and sporadically since XXXX. It was debt that I did not recognize. As a federal employee, I have multiple background checks and have all payments up-to date, and that debt have n't appear in my background check. I stated that I wanted evidence of that debt. They ( XXXX collection ) sent me a letter with no evidence which I replied with a certified letter that I do n't recognize the debt and to stopped the contact. Every call I got ( with threat and harassment of court ) is from a different person even the letter signature and the person that sign the certified letter are not the same. However, this agency harassed with calls my elderly family member even more and they sent a new letter, from legal area, which was very strange since it has contradicting language and no evidence. I contacted my XXXX and they put an alert in my credit as they did not find this normal conduct. As a resolution, I do not recognize this debt, stop harassment and any collection toward myself and my family. I understand this is a case of identity theft ( as XXXX XXXX suggested ).
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I made a payment via the IVR in the amount of {$38.00}. I noticed that Synchrony Bank drafted my account twice causing overdraft and my mortgage payment to bounce. I called synchrony and they stated they 'd mail a check with 2-3 weeks. That is simply not acceptable. I live paycheck to paycheck and ca n't wait 2-3 weeks for a refund. They stated that only one payment was set up thru the IVR and could not tell me how the other payment was made other than automatically. I did not authorize 2 payments and only submitted my bank account information once on the call.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C. 1681 c-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 XXXX XXXX XXXX XXXX XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXX, and a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO Credit Report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO Credit Report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by made. All of the aforementioned accounts, collections, and hard inquires 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 inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In XXXX I took XXXX loans with Navient so that my daughter could go to college, I paid these loans for 17 years finished paying all XXXX loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my Navient bills as can be seen in the attached Navient screen shots. I also have a copy of all my payments!
Product: Debt collection

I checked my credit and saw an account from Midwest Recovery for {$220.00}. Not sure where it originated from but Im willing to settle the debt to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have tried to get Equifax to correct information on my credit report. 

Inquiries - XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX had an inquiries on my report, which were fraudulent. 
They sent me letters certifying that they would send updates to each credit bureau. XXXX and XXXX removed the inquiries by XX/XX/2018 but as of today, Equifax did not comply. I called equifax, I disputed online and wrote letters. 

Accounts - XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are previously charged-off accounts that were paid. They persist in Equifax as such : 1- Status is reported as negative accounts not as Paid/settled accounts 2- though they appear under closed accounts category, none of them show closed date. Date closed appear blank in Equifax. 
Therefore, they are still counting against my score I wrote to and called the creditors and to Equifax to correct the issues. XXXX  and XXXX show correctly since XX/XX/2018. I am still struggling for Equifax to refkect the right information. I filed disputes online with Equifax, I faxed disputes to Equifax, spoke to multiple supervisors and representations at Equifax. Nothing. 

My score in XXXX and XXXX are XXXX. Equifax is XXXX. As a result, I was denied a much sought after HELOC loan. 

There should be consistent reporting across credit bureaus based on the information fed by creditors. The creditors have assured me that the issues is not on their side. They send the same info to all CRA and I should discuss with Equifax. 

Please help me.
Product: Credit reporting

There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried withdrawing my money from my Discover Checking Account mid XXXX but was unable to do so. I tried waiting thinking this was a website issue but when I realized I had lost all access to my account, I called customer service so XX/XX/2022 and was informed that my account has been closed for " business reasons '' and that a check would be mailed to me XXXX days after the last deposit. 

The last deposit to my account was XX/XX/2022 - it has been XXXX calendar days since the last deposit. 

The last withdrawal from my account on XX/XX/2022 - it has been XXXX calendar days since the last withdrawal. 

The only response I hear from Discover Customer Support is to wait for the check. 

I have over {$5000.00} in that account that I need desperately and have been deprived of without being supplied with any reason for doing so.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX, has violated my rights. 

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 : Also states a consumer reporting agency connot furnish a account without my written instruction