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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is in violation of Federal Law bye means of Fraudulent XXXX XXXX XXXX XXXX They XXXX XXXX XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double Indemnity by XXXX XXXX  over Information Theft Investigaste with Impuunity! 
XXXX XXXX XXXX
Product: Mortgage

Dear LoanCare Credit Reporting Department, I hope this letter finds you well. I am writing to request a one-time exception on my credit reporting due to a misunderstanding related to the payments for my Loan Modification trial period and subsequent permanent modification. 

In XX/XX/year>, I was approved for a Loan Modification trial with three consecutive payments of {$3500.00}, ending in XX/XX/year>. In XX/XX/year>, I was officially approved for the modification and received my new agreement, with the first modified payment of {$3600.00} due in XX/XX/year>. 

After receiving this information, I contacted LoanCare customer service to confirm the new payment amount, as I had seen a discrepancy on the portal. The agent explained that the change from {$3500.00} to {$3600.00} was likely due to escrow adjustments. Based on this clarification, I made my XXXX payment of {$3600.00}. 

However, on XX/XX/year>, an escrow annual disclosure statement was created, and the escrow amount was revised again, increasing my new payment to {$3700.00} starting XX/XX/year>. I scheduled my XXXX payment for {$3700.00} accordingly. 

Unfortunately, this series of adjustments led to an unintentional issue. I recently discovered that my credit report reflects a late payment for XX/XX/year> because my payment of {$3600.00} was {$56.00} short of the revised {$3700.00} amount. I was informed that the {$3600.00} payment was placed in suspense, and my XXXX payment of {$3700.00} was applied to XXXX instead. 

Upon contacting LoanCare, an agent reviewed the situation, acknowledged the confusion caused by the varying payment amounts, and assisted by removing the late fees and resolving the {$56.00} discrepancy. I was assured that my scheduled payments are now correct at {$3700.00} moving forward. 

Given the circumstances, I respectfully request that LoanCare make a one-time exception and update the credit reporting for XX/XX/year> to reflect that my payment was made on time. This discrepancy was not intentional, and the confusion stemmed from the changes in payment amounts during the transition from trial to permanent modification. 

I appreciate your understanding and assistance in resolving this matter. Please let me know if any additional documentation is needed to support my request. 

Thank you for your time and attention to this issue. I look forward to your response.
Product: Mortgage

I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is still reporting that my balance with XXXX XXXX XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report XXXX XXXXXX/XX/year> and notice some things are incomplete and not accurate and 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 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My account was permanent limited in paypal 180 days after so many days My XXXX in paypal was Lifted with Funds up to XXXX ( XXXX  180 DAYS or done 180 days ) its almost 200 days since my XXXX was lifted but my XXXX still 180 days plssss helped me to restore my XXXX in paypal
Product: Credit card

Capital one reported i own XXXX dollars, on XX/XX/year>. Which i pay in full every week. So i dont owe any balance. Please check for me thanks.
Product: Credit card

Hi, my case XXXX wasn't solved. BOA said they sent me a letter response but I never received it. The case left me 60 days to respond on CFPB but I was traveling out of the country and wasn't be able to respond in time. When I checked my case today and it shows it is already closed. 

In a word, my case was not solved at all and nothing ( credit report ) has changed so far. It is very disappointing that I even don't have a place to leave even a simple comment or feedback.
Product: Credit reporting or other personal consumer reports

Hi, I had three different banks contact me. 
XXXX XXXX - XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. 
Citizens Bank - XX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.
Product: Debt collection

I originally got a loan with XXXX XXXX for {$5000.00}, and I made the payments and was on a payment plan. Over time, I was unable to keep up with the payments and received an email that it was being charged off and sent to IC Systems. The problem is that I have had XXXX communication with this company and its on my credit report affecting my score, but I dont know what my balance is or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed credit inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed address : XXXX XXXX XXXX XXXX XXXX XXXX, AKXXXX
Product: Mortgage

On XX/XX/XXXX my husband and I finally bought a duplex. My sister ask if she could co sign for us. We moved to the duplex on XX/XX/XXXX, I live in the front house and my sister moved to the back house agreeing to pay XXXX per month. On XX/XX/XXXX my sister decided that she wasn't going to pay me anymore rent because she had rights. My sister told me that she was on the house Deed therefore she was also the owner of the house. My sister di not give any money towards the purchase of the duplex. The Lender Bay Equity LLC for some reason decided to add my sister as part owner. Now my sister hired a Lawyer and is asking XXXX plus Lawyer fees. I don't have any money. Its there anything I can do to avoid my sister take advantage of the trust that I had with her. She is trying to commit a Fraud with me. All because I refuse to let her live rent free. Please help me. I have all the documents that show that my husband and I were the only hones that came up with the down payment towards the duplex. Thank you very much for your time. XXXX cell XXXX XXXX
Product: Mortgage

-XX/XX/2019 : I refinanced my mortgage from Flagstar Bank to XXXX  XXXX   XXXX XXXX  ( XXXX ) on XX/XX/2019. Upon refinancing, I calculated the totals funds owed ( overages ) from Flagstar Bank as {$5700.00} remaining escrow balance and final XX/XX/2019 mortgage payment.

- XX/XX/2019 : Mortgage balance paid and transferred from Flagstar to XXXX  XXXX.

- XX/XX/2019 : Email below was sent to the escrow/property tax department at Flagstar Bank, with a fair 30-day notice to refund all overages as required by law : - Subject : " Please refund mortgage payoff overages no later than XX/XX/19 '' From : [ my email address ] XXXX   XX/XX/2019 XXXX XXXX To : property.tax.requests@flagstar.com <property.tax.requests@flagstar.com> " Dear Flagstar Bank, In reference to my previous Flagstar mortgage loan number XXXX, that was paid off due to refinancing from XXXX XXXX XXXX onXX/XX/19 , I show the following amounts outstanding : Tax escrow balance : {$1200.00} ( as of XX/XX/19 statement ) Principal balance after payoff : {$2400.00} ( Difference of {$280000.00} payoff amount minus {$270000.00} outstanding principal as of XX/XX/19 ) Final mortgage payment of {$2100.00} ( paid XX/XX/19 ) TOTAL AMOUNT DUE : {$5700.00} Please refund these amounts no later than 30 days after payoff ( XX/XX/19 ), as required by law.

Sincerely, [ My name/my address ] '' - XX/XX/2019 : Received and deposited a check from Flagstar Bank for payment of escrow overage mailed from Flagstar Bank for {$3300.00} ( check was dated XX/XX/2019 ). Remaining balance owed at this time : {$2400.00}.

- XX/XX/2019 : 30-day deadline to return all funds owed/overages as required by law. No response from Flagstar since email notice above on XX/XX/2019. No additional funds received in mail ( balance owed : {$2400.00} ). Called customer service number at Flagstar Bank only to be put on infinite hold. Customer service chat tool disabled on website.

- If owed this much on a bank loan or mortgage website, wouldn't I be expected to pay late fees/penalties? Interesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX reports with accounts I didn't know were on my credit till recently, please take a look and delete these fraudulent accounts. They are affecting my livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my free credit reports this past Friday. My Experian credit report shows an incorrect current employer. I am worried someone has tried to steal my identity. I have tried contacting Experian through phone, calling multiple numbers, at different times. I can not reach a live operator and there is no option on their menu to report inaccurate information. It does not appear possible to contact the company to report a mistake on their report.
Product: Checking or savings account

I have submitted multiple payments through my checking accounts at XXXX  XXXX XXXX. They would return the payments, return the funds to my accounts, and then charge me fees. I have had to do this multiple times. Even when I transfer funds when a payment is pending to be paid from the account the bank would still return the payment. Then this causes other issues with creditors. I have communicated with XXXX XXXX XXXX about these errors and they refuse to acknowledge them at all. I have sat with multiple bankers and managers and they inform me to call and explain to the bank. I have been a client for almost 20 years and I have never been treated this way. This practice is similar to the ones cited below. This has caused XXXX XXXX XXXX to settle a class action lawsuit. 



XXXX XXXX XXXXXXXX
Product: Credit reporting

I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX, XXXX I filed for Chapter XXXX Bankruptcy case # XXXX. My attorney went over all the information listed on my credit report. I obtained all credit reports and disputed all tradelines as included in Chapter XXXX bankruptcy. I disputed this debt in early XXXX XXXX and again XXXX XXXX, XXXX. Both times the debt collector refused to change the status to included in bankruptcy. I called the number located on my credit report and could never reach customer service. The number listed on my credit report noone answers that number. It continues to ring. On XXXX XXXX, XXXX I XXXX  searched and found an alternate number. I called and spoke with a representative. I explained my situation to her and she stated once they received the dispute they would take a look at it. Today, XXXX XXXX, XXXX I received the same results as before. I am not sure which credit card has hired this company as it is not listed on my credit report. I 've never received anything to validate the debt from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hello, a creditor reached out to me about a two months ago about a debt that is not mine. I told them by email that its not mine and I dont know where that is coming from. They keep on treating me and sending me letters of something I have no idea why theyre trying to charge me so much money for what I dont know.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

The debt was disputed off my credit report but still showing up on XXXX XXXX six times
Product: Checking or savings account

I used to have a personal checking account with XXXX. That account has been dormant for several years, with a {$0.00} balance. Last year, Citizens Bank acquired some of XXXX 's business, which resulted in Citizens Bank taking over management of this checking account. 

Unbeknownst to me, once this checking account was transferred to Citizens, they started charging account maintenance fees on the account. Since the account had a XXXX balance, this resulted in a charge to a personal line of credit which was linked to the checking account for overdraft protection. 

I became aware of this situation in the middle of 2022, when I received notices that the account was past due. 

I called Citizens, explained that I had never opted in to doing business with them, never agreed to their fee structure, and wanted to close my account, and have all fees waived or refunded. I had several calls with their customer support organization, but finally convinced them to waive the fees, and close the account. 

At this point, I thought the problem was over. I was wrong. 

My wife is currently trying to start her own business. As part of this process, she has been applying for business credit cards, and having a difficult time doing so. When she finally received a notice explaining that she was denied a credit card, along with the explanation, we noticed that the our credit report has a 30- and 60-day delinquent payment notice. This surprised us, since we have never missed a credit-card or loan payment of any kind, and prior to 2022, had excellent credit ( XXXX  score of XXXX ). 

After inspecting our credit report further, I noticed that the reporting financial institution was Citizens Bank. At first I was confused, since we've never signed up for any credit cards or loan products from Citizens. But then I remembered the quagmire I was thrust into in 2022. 

So, this month, I've spent many hours trying to contact Citizens Bank to resolve this issue. I've talked to at least XXXX different branches of their customer service ( banking support, credit support, asset recovery support ). None of them have been willing and able to help me, and always redirect me to someone else.
Product: Checking or savings account

Unauthorized bank wire from my Wellsfargo Business account for {$24000.00} to a fraudulent account to a XXXX XXXX fraudulent name to a XXXX XXXX XXXX  account. 

Date of transaction : XX/XX/22 Filed claim XX/XX/22 with Wellsfargo Filed claim with FBI XX/XX/22 Claim with Wellsfargo denied XX/XX/22 and is doing nothing to assist me to recuperate my money.