23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.
Product: Mortgage

I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.
Product: Debt collection

Last week, I see Derogatory marks on my credit profile came from Sunrise credit services for XXXX creditor services. 

Tried contacting XXXX XXXX XXXX support several times in past 2 days with different support persons/teams and they confirmed there is no active or outstanding amount pending with me. 
Visited XXXX XXXX XXXX corporate office ( XXXX XXXX XXXX, NJ ) and they confirmed there is no open account on my name/SSN which confirms there is no due on me. Currently, XXXX XXXX XXXX XXXX line is owned by the business and before I move to the business line, my earlier account was closed and I have email confirmation for the same. 
Since i overpaid for that account so XXXX XXXX XXXX refunded me the money via a GIFT card ( XX/XX/XXXX ) which confirms there is no due. 

Finally, I finally called Sunrise credit services on Monday ( XX/XX/XXXX ) to investigate which account had dues so I can provide the details to XXXX and clarify. 
Since they couldn't find anything due on my name/address/SSN. 

Also, asked them did they contacted me via email/mail before they reported debt on my credit report with Derogatory remarks. 
They told me several mail notices were sent on XXXX XXXX XXXX XXXX, XXXX NJ, XXXX. I told the agency that its not my address and this is not even a valid address. 
Plus, there is no email address on the collection due Account. 
Since i was never notified of any due or neither I have any open account with them so its clear case of fraud committed by XXXX XXXX XXXX using my identity. 
As a result, they opened a Fraud against XXXX ( waiting for the fraud package to arrive ) I would request you to please help investigate this issue and help restore my impacted credit history.
Product: Debt collection

On my credit report. This is not my debt. I have done no business with this company. It is fraud. They are not using my address. 

CREDIT COLLECTION SERVIC Last reported XX/XX/year> {$260.00} Open balance CREDIT COLLECTION SERVIC Original creditor
Product: Money transfer, virtual currency, or money service

My wise account has been closed without notice yet I had been sent money for family support
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several fraudulent inquiries. Please remove these fraudulent inquiries as it is impacting my ability to obtain new credit.
Product: Checking or savings account

Me and my Wife were denied the Ability to open an Bank Account because of the way we signed our Names on the Contract. We are upset because it is our God given Right to Sign our Names however we please! Their is No Law on How an Individual can Sign their Name on a Contract! This happened on XX/XX/2021 we were forced to close our accounts that same day. It also happened Again last month when tried to Open an Business Account with them Also!
Product: Debt collection

Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion, XXXX, and XXXX for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/year> reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from TransUnion, XXXX, and XXXX demonstrate conflicting and inaccurate reporting for the XXXX account : XXXX : Reports a 30-day late payment for XX/XX/year>, which is incorrect and unsupported by any payment records. 
TransUnion and XXXX : While these bureaus do not list a 30-day late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct TransUnion, XXXX, and XXXX to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Approximately 1 year ago, I informed Charles Schwab & Co. that an account had been fraudulently opened in my name. They have always acknowledged that the account is fraudulent. However, the account has never been closed. I have been getting repeated letters ( mailed to a former address but forwarded to me ) from Chares Schwab indicating that my balance is too low and threatening to refer my account to a collection agency. Each time I call, I am told that the issue will be resolved but it never is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my credit report with XXXX  and Experian. XXXX  removed the collection on my credit report because XXXX didnt have any collections on my credit report. It was very easy to contact XXXX  on the phone and explain the situation. I provided an image and XXXX   removed the incorrect collection on my credit report. Experians number would not let me talk to an agent about my dispute. Eventually, I was able to talk to an agent who was very rude and told me to file dispute online. Two days later Experian concluded that the collection will remain on credit report even though XXXX  and XXXX dont have the incorrect collection on my credit report. I believe this collection is invalid and shouldnt be on my credit report and two out of the three credit bureaus agree.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX ACCT # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXXDespite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.

I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Product: Credit card

On XX/XX/XXXX, I filed a dispute with Discover referencing Dispute Number : XXXX for the amount of {$310.00}, which was posted on XX/XX/XXXX.
Product: Mortgage

Good day, my name is XXXX XXXX and I have been waiting to receive my escrow account refund from Amerisave since the loan was paid off on XX/XX/21. I have been told multiple times by Amerisave personnel that the check was mailed and I should continue to wait, only to be told in later phone calls that the check was not sent due to delays. After escalating it to a supervisor I was told they would expedite the check process and even send it ups next day air due to the delay and email me tracking info.After two more weeks without any contact I called again only to be told there was no such record of my check being expedited and I should expect another 30-60 days for processing. I emailed my loan originator and he had someone named XXXX XXXX email me saying she could look into it and assist. On XX/XX/XXXX she emailed me saying the check was being sent that day and I should expect it in the next day or two. She provided a check number and amount. Two more weeks go by and I email her to check the status and she tells me to call the call center. I told her I was considering filing a complaint and she said she would try and get me an answer and then stopped responding to any emails. I called the call center again yesterday and was told the check still has not been sent and so one will get back to me. Its been a very long time waiting patiently for money that belongs to me and I feel like this company has been extremely dishonest with what Ive been told. If theyre doing it to me they are doing it to others. 
My loan number with Amerisave was XXXX The property address was XXXX XXXX XXXX XXXX CA XXXX The only thing I have received in the mail from Amerisave is the tax form 1098 where they show an escrow refund on XX/XX/XXXX for {$4400.00} however by their own staff admission, the check has still not been mailed. Please help me get my money and find out why this company is misbehaving. Thank you, XXXX XXXX
Product: Debt collection

Dear, Cfpb & Elan Financial Please disregard my first complaint that was submitted. I spoken with an representative from Cardmember Services to resolve this issue long after. I am now submitting this information opening a new case about getting this item removed from the settlement agreement of {$350.00} that was processed on XX/XX/2019. 

Thanks,
Product: Debt collection

We had no communications about medical debt ( s ) owed.

Collections company " Online Information Services '' ( OIC ) claims we owe > {$2000.00} on services rendered in 2013 by originating creditor " Diagnostic Imaging ''. They started reporting this debt to credit reporting agencies in 2016. We had no one contact us about such debt at all in the past 5+ years. It just started showing up on our credit report. 
XXXX refused to provide phone number or address of originating creditor. They provided account # from originating creditor - but upon calling the supposed original creditor, that account never existed. 
Upon calling originating creditor, they stated that account # was not a real account # and that we never had services for the claimed amount ( > {$2000.00} ), and that they do not send debts to collections ( they do their own collections ). This debt never existed for us, and is fraudulent debt attempted to be collected.
Product: Debt collection

On my credit report I have a collect for a {$1000.00} that I have no knowledge off and will like for it to be removed off my credit report. The collection is for XXXX phone service I'm not even a XXXX  customer been with XXXX for a very long time so I don't know why this collection is on my account.
Product: Checking or savings account

I'm pretty unhappy with my Wise account ( TransferWise, https : //wise.com/ ) being deactivated/closed without notice with a remaining blance and a refund of transaction. I believe to have expreicned " unprofessionalism and incompetence '' from their Custumer Support staff. To make things right, I do very much like Wise to issue refund of all Wise money ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

XXXX I got a credit card with chase bank XX/XX/XXXX I closed the account. The account was paid in full XXXX i received a notice from the court about this matter. I provide all proof to the court and after chases attorney failed to show up for on the assigned date of the hearing the court ruled in my favor.
Product: Credit reporting or other personal consumer reports

Cease and Desist Demand & Immediate Removal of Incorrect Debt from My Credit Report This letter serves as a formal demand that you immediately cease and desist all communication with me regarding an inaccurate and disputed debt that you have wrongfully attempted to collect. Additionally, you must immediately remove any false or incorrect debt listings from my credit report and cease any further reporting of such erroneous information to credit bureaus. 

Dispute of Debt & Failure to Verify Per Legal Requirements Upon reviewing my credit report, I have found that you have falsely reported a debt that is either : Incorrect, outdated, or fraudulent Not legally enforceable Misattributed to me Furthermore, you have failed to verify this debt in accordance with federal and Florida consumer protection laws. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, upon my initial dispute, you were required to provide proper validation of this debt, yet you failed to do so. Without proper verification, you do not have the legal right to continue collection efforts or report the debt to credit bureaus.

Violations of Florida & Federal Laws XXXX. Failure to Verify the Debt FDCPA 15 U.S.C. 1692g Under this law, you were required to provide me with written validation of the alleged debt, including details on its origin and legitimacy. Your failure to do so means you are violating federal consumer protection laws by continuing to collect or report this debt. 
XXXX. Florida Consumer Collection Practices Act ( FCCPA ) Florida Statutes 559.72 ( 9 ) It is illegal for a creditor to attempt to collect a debt or report a debt to a credit bureau that is not properly verified, false, or otherwise disputed. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 As a furnisher of credit information, you are legally required to ensure the accuracy of any debt you report to credit bureaus. Failure to verify this debt and continuing to report incorrect information violates my consumer rights and subjects you to legal consequences.
Product: Debt collection

I just found out that there are XXXX liens on my primary residence by a creditor named citizens bank national association. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this citizens bank is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
Product: Credit card

I noticed a transaction on my account that I did not recognize. I contacted my bank to make a dispute. An investigation was completed and closed causing a restriction on my account. Because the investigation was closed the bank can not reverse the transaction. I have offered to repay the transaction as I later was provided information where I validated the transaction. The detail on the bank statement had a different name which was the reason for me to originally contest the charges. Apple Bank refuses to let me repay the transaction to remove the restriction on my account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.