23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid of my mortgage loan XXXX early in full on XX/XX/2017 as per the payoff statement provided by Home Financing Center due to many irregularities in the way the company was hiding excess payments as " fees '' or " taxes '', their not applying payments to the account as paid so that they can bill additional " late '' fees and many other problems. They have provided credits when it has been called to their attention but later " miscellaneous '' charges keep popping up to make funds disappear again. To date I have been unable to obtain my satisfaction of mortgage from them even though it has been over a year since paid. They are also continuing to damage my credit all they while they have the payment sitting in " unapplied '' to rack up more late fees. After I requested a refund of the excess payments, all of a sudden I received a purported backdated " legal fee '' cost on the account from one XXXX XXXX XXXX ( F rating at XXXX XXXX XXXX ) to make  the excess funds disappear as I had requested a refund of the escrow account. This " cost '' showed up after the mortgage was paid in full and was not noted on the payoff statement. Home Financing Center needs to lose its ability to service or write mortgages especially FHA mortgages. I would appreciate receiving my satisfaction of lien for my property by the end of this year as it is preventing me from selling it or passing it on to my children causing great damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed in several letters to experian and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Fraud Team : 1 any victim at XXXX the. The it ist ) seeitoride nitich appears on my credit report, does not relate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Checking or savings account

I made a purchase on XX/XX/XXXX to XXXX for {$490.00} to become a member. XXXX promised a filable debit card would be sent out and that date kept moving out, eventually XXXX seized operations and switched company names. I waited for the services I paid for and the company went out of business, sent info by email. I called my bank, Wells Fargo on XX/XX/XXXX and filed a claim for chargeback on services not rendered on the purchase that was made to XXXX XXXX for {$490.00}. I was scammed and also bait & switched with all the changed and empty promises that were never took place. Wells Fargo claims assistance reviewed all of my information and said that there was no error and denied my claim. I was scammed and my bank wont even help me. They said contact the merchant. Not helpful at all.
Product: Credit reporting

My credit monitoring services alerted me to a potentially fraudulent account. XXXX is reporting an account through Experian which I did not open. I have the inquiry is showing that it came thru XXXX which is also fraudulent as I have not applied nor authorized any credit services or accounts this year or the prior year. Please have this fraudulent activity removed and investigated immediately. Thank you for your service.
Product: Debt collection

The company ( CLLCN BUREAU OF THE HU ) has falsely reported me to the credit agency and made up a fake payment history to hurts my credit and force to me pay something doesnt belong to me they reported without having my fall information just a mix up name I already called them and explained to them I dont owe them and that was a mixed up identity And the address they have in file I never lived at but they was so rude and said they dont care I have to send them a paper with all my personal information such my SSN and my health insurance policy and copy of my ID sent Aslo i explained to them I never open the account they come after me for and I tried to dispute it but they never disputed for me and still showing in my credit report please let them remove it out my credit report I never open that account or lived in the address the account was linked to
Product: Debt collection

As of now, Credit Collection Services presented a fraudulent account for collection in my name. I never had such account. I am prepared to take such account through litigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2019 i send a dispute to the credit bureaus : XXXX, XXXX and XXXX. all of then respond, XXXX delete the account because they couldn't verify or validate also XXXX   but XXXX not. and a have some screenshot of the time they investigate this account which i think is not enough. I've kept trying month after month because I know it's not right. the last dispute was open on XXXX XXXX, 2019 and was closed by then on XX/XX/XXXX, 2019. i feel that they just using they automatic system and are not doing a real investigation. i also contact then company my self and they just send me a bill, not my hippa release or validation. this is the company BUREAU OF ACCOUNTS CONXXXX
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC bank account to my XXXX XXXX account and it will not let me do that
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX, 2019, XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 years I have Used the credit builder card from XXXX otherwise known as XXXX XXXX  I stopped Using the account a while ago and they reported the account 30 days late. Its impossible because this is a prepaid credit account and you cant spend money you dont have I tried calling them but they refused to fix it and gave me vague answers. My former name XXXX is on the account just for your records but I called them and asked them to remove the late payment because it was never late and was impossible to be late!
Product: Debt collection

They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the Consumer Financial 'Protection ' Bureau does ...
Product: Bank account or service

When I first opened my account, I signed up for and paid for overdraft protection. When I looked up my balance, I was {$110.00} in the negative. I have not used that account for a few months so there is no way to get that negative balance. I went to close out the account and question why such a big negative balance and was told I could n't close it out until I paid the fees. Why should I have to pay for something I did n't do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent Navy Federal CR Union : Account number : XXXX  open date inconsistent and or duplicate account. 
Navy Federal CU : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX  Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends XXXX XXXX, but you have it has XXXX XXXX XXXX XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Product: Checking or savings account

Wells Fargo closed my personal checking account on XX/XX/22 after opening the account on XX/XX/22. On the day of opening the account, I made a {$3000.00} transfer from a Bank XXXX XXXX personal checking account. It took about a week, but on XX/XX/22 the funds were verified and made available on my Wells Fargo personal checking account. I had made no other deposits or withdrawals since the original transfer. XXXX week later on XX/XX/22, I received a notice that Wells Fargo was closing my personal checking account and that it would be inactive as of XX/XX/22. I did not understand why it was closed, but the email said that the bank reserves the right to close the account and that they would email me a cashiers check upon closure of the account because no withdrawals would be allowed. However, on XX/XX/22 my funds of {$3000.00} were never sent out in a cashiers check but rather deducted from my account with the title Loss Prevention Closing Entry. Questions, Call XXXX. On XX/XX/22 I called this number listed on the withdrawal and had to wait XXXX min to be told that Bank XXXX XXXX would have to claim the money and that they could not disburse it directly to me. This made no sense to me because the transfer was clearly accepted and the funds were now in Wells Fargo possession. Following that phone call I went in person to my local Wells Fargo and met with a Relationship Banker. The banker had to call the same number listed on the withdrawal to understand what was going on with my funds. He was baffled himself that Wells Fargo would close my account when it was clear that my funds were legitimate and being transferred from another personal checking account in my very own name. After being on hold himself for XXXX minutes, this new representative over the line gave a completely different response than the original representative I had contacted. This representative said the money was taken out of my account due to FRAUD were the representatives exact words. The banker was told that there would be a XXXX day investigation and that these funds would possibly be given to the states unclaimed property and I would have to claim it from there. I am under the impression from hearing both representatives contradicting responses that these funds have been CONFISCATED by Wells Fargo and that they will be stealing my hard earned money. MONEY that I need as a college student who works a part time job. Wells Fargo has slandered my name and claimed that I am committing fraud with XXXX proof. It is unbelievable to me that a bank would commit such a blatant crime and withhold MY money from me. The banker I spoke with was furious with the person over the phone, because he himself knew that there was no valid reason to close my account ( which he explicitly said to me ). Wells Fargo now holds my {$3000.00} dollars, and I now have to wait XXXX days to find out that I may possibly never see this money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal.

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX  XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXX XXXX  XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXXXXXX Notice of Dispute Violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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 Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Apparently, I was to appear in court on XX/XX/XXXX ... I never received any type of notice in the mail, nor was I ever contacted by the original complex about a court date. The paperwork I received in the mail is dated ( by stamp ) XX/XX/XXXX, however it is signed and sealed bybthe justice of the peace on XX/XX/XXXX. 

I have NEVER received any type of notice EVER, until the day I got a letter from my employer explaining theybwere going to garnish my wages, for an unknown amount. This amount totalled around {$1300.00} which when paid in full, totalled a little over {$1400.00}. I recieved a letter from my employer after a few weeks saying the debt was repaid. 

Now, several weeks later, my place of employment is receiving phone calls, and saying they're aaking about me, and I recieved a letter in the mail today explaining how my last payment satisfied the debt, however there is still a balance of {$2300.00} from the original complex, prefixed by the statement : " As you know, there is still a balance due ... '' I do not know. Ive very scarcely neen contacted about this matter, and all of it as of late, in XX/XX/XXXX, about this debt from XX/XX/XXXX, and I believe a great deal of that is due to the incorrect spelling of my name on EVERY document ever received by them. 


Im confused as to what exactly is/was owed, what has been paid, and what action if any, I can take. I have never recieved any calls from anyone about this matter, only letters as of late. It also appears the second amount is including damages, of which there were none, as well as a rent charge for the month of XX/XX/XXXX, whereas a notice to vacate was enacted on the XXXX ... Lastly, I would also like to know the status of my co-signer, and what his role in this is, as he signed with me, declaring financial responsibility overall.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to a company called SST and changed the service agreement of the account without my consent. This information is not accurate and this is fraud committed by SST. I did not agree to this and they are fraudulently reporting on my account.
Product: Debt collection

I HAVE DISPUTED OVER AND OVER THE CMRE DEBT ON MY CREDIR REPORT FOR VALIDATEION. iT GETS REMOVED FROM SOME CREDIT REPORTS BECAUSE THEY CAN NOT VALIDATE THE DEBET. I KNOPW NOTHING OF THE DEBT ANT NEVER HERD OF THE DEBT OR EHO THE PARENT WAS THE DEBT WAS BEFORE CMRE BOUGHT THE BAD DEBT. 

CMRE INSISTS ON READDING THE DEBT TO MY CREDIT REPORTS OVER AND OVER AFTER THEY ARE REMOVED WHEN THEY CAN NOT VALIDATE THEM AND STARTING THE CLOCK OVER ON THE STARTING DATE OF THE DEBT WHICH IS ILLEGAL ALSO. NOT TO MENTION THIS IS NOT A DEBT THAT IS XXXX OR I HAVE HEARD IOF, PLEASE REMOVE THIS FROM MY XXXX   CREDIT REPORT AND COUNSEL CMRE FOR BAD AND ILLEGAL BUSINESS PRACTICESES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( XXXX ) stating this information as well. 


I do not know why this information is still on my report.