23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On the XXXX XX/XX/2024 I entered into a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX. On the XXXX XXXX XXXX transferred the contract to Monterey Financial Services ( MFS ). The first two months ( XXXX XXXX the credit card payments were fine. Then for the next two months ( XXXX ) I was charged a " Cash Transaction '' fee for my monthly payment. 

MFS was aware that interest bearing accounts are not to be paid with an interest bearing card. However, banks had not enforced this process until XX/XX/2024. This is the reason I am being charged " Cash Transactions '' for my monthly payments to MFS. 

It was negligent on MFS part not to inform XXXX  of this fact. Had XXXX informed me that only " cash '' payments i.e. debit or checking accounts were the only acceptable forms of payment I would not have bought the service. 

MFS has offered to credit the two months of " Cash Transaction '' fees but want another form of payment for the loan. I did not sign a contract for cash payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will request again to Experian Remove all the negative information from my credit report immediately Im tired of the lies by Experian saying or the information is verified by the furnisher that is XXXX.
Product: Debt collection

On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.
Product: Credit card

I have consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

TO : XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX SUBJECT : PAYMENT ON ( XXXX XXXX XXXX XXXX XXXX sports ) ACCOUNT # : XXXX ACCOUNT PAID IN FULL XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX ACCOUNT PAID IN FULL Dear American Express As agreed in our phone conversation on ( XX/XX/year> ) please apply this check, Check # ( XXXX ), for $ ( XXXX ), to the account number listed XXXX please apply this check, # ( XXXX ), for $ ( XXXX ), to the account number listed # XXXX XXXX XXXX As agreed, this pays these accounts off in full and as of the above date. Also, with this letter, the new balances on these account are now {$0.00}, which is also proof this account is paid off in full. 
Also, please state on all credit reports that this account is paid in full as agreed. 
Thank you for all your help & excellent service on this issue. 
Take care & XXXX Bless ( XXXX XXXX XXXX XXXX
Product: Mortgage

Talked to XXXX XXXX/XXXX/XXXX Customer Service XXXX Spent XXXX hours at Branch at XXXX XXXX, XXXX NH XX/XX/XXXX, spoke to XXXX XXXX, Branch XXXX. He wrote the letter attached, and faxed all pertinent information to the mortgage department onXX/XX/XXXX Talked to XXXX, XXXX XXXX XXXX phone # XXXX on XX/XX/XXXXTalked to XXXX, XXXX Consumer XXXX, phone XXXX on XX/XX/XXXX Talked to XXXX XXXX, XXXX, phone XXXX on XX/XX/XXXX and again on XX/XX/XXXX when she conveniently passed the responsibility to XXXX of the XXXX XXXX, who is on vacation. 

I am the personal representative of my mother 's estate. I have a purchase and sales agreement for the sale of her house. The document in question dated XX/XX/XXXXwhich I have attached was paid in full in XX/XX/XXXX when Citizens Bank assigned the loan to XXXX Mortgage and did not discharge the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX
Product: Credit card or prepaid card

I was never 30days late on this account SYNCB/MC I have made a payment on time I don't know why they report this. Account # XXXX below is the Creditors info. 

Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX  ( twice ), XXXX, XXXX, Wakefield Associates, a collection agency, thus far all reported negative entries on my credit report for non-payment of {$330.00} service date XX/XX/XXXX on behalf of XXXX XXXX ( XXXX ) XXXX, formerly XXXX XXXX XXXX. I contacted on XX/XX/XXXX XXXX, who had the wrong address and phone number for my account, therefore, none of the correspondence was ever received. They should have known this when the mail was returned and I was not at that phone number. When I received a credit alert for this on XX/XX/XXXX, I immediately contacted XXXX ( XXXX ) XXXX for an invoice copy, and they stated that they would put a temporary insurance hold for collections ; however, this obviously did not happen. My insurance completed the claim with a {$50.00} balance, which I have since paid. I have a copy of the statement and {$50.00} receipt and would appreciate my credit report be updated to expunge all of this item from my report. The collections agency, Wakefield Associates, advised that they could not do this. 
I can be reached at ( XXXX ) XXXX or XXXX. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX
Product: Vehicle loan or lease

I had a loan from XXXX XXXX, I would like more information on the class action lawsuit. My loan was transferred, I was not given any notice regarding change in loan servicer. My car was repossed once. My car was turned off a few times. Documentation on loan paperwork was false. Car was sold for almost triple times its worth. Now I'm fighting to get a title.
Product: Money transfer, virtual currency, or money service

Despite amble evidence that the transaction was indeed fraudulent, fifth third bank deemed the transaction valid which I lost {$2000.00} from. Fifth third bank knew the check deposited was fraudulent but refused to dispute the transaction of {$1500.00} and transaction of {$500.00} for transfer to XXXX XXXX. The transaction occurred on XX/XX/XXXX of 2023. The whole transaction happened as a result of the scammer tricking me into sending money with that check that fifth bank recognized as fraudulent. Therefore, the transactions for transfer to XXXX XXXX  are invalid and should be illegal to deny a dispute for. I tried calling the disputes department multiple times and even warned them, I will take you to court for deciding the invalid transaction is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent LexisNexis a letter asking them for their method of verification for a bankruptcy account in which XXXX and XXXX  stated they verified this information about me from LexisNexis. On XX/XX/2020, I spoke with one of their customer service representatives who stated this was verified through the court. I then sent LexisNexis a letter on XX/XX/2020 asking them to remove this bankruptcy from my record. I included a letter from the court stating the court DOES NOT provide any communication with any credit reporting agency. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. In compliance with the FCRA 15 U.S.C section 1681 et seq, they have failed to verify this information within the required timeframe as outlined by the FCRA and I ask that they subsequently remove this record from my LexisNexis report. According to the bankruptcy court whom is the original creditor they DO NOT provide this information to LexisNexis. Because LexisNexis is unable to verify this information I request that XXXX  and XXXX  delete this information from my credit report as well.
Product: Mortgage

I purchased my home in XXXX. 
Down-payment of {$63000.00} {$260000.00} purchase price.. 

XXXX XXXX XXXX, XXXX, Pa. 

I beleive Wells Fargo moved in a predatory mortgage lender fashion. 
Adding an " Unlawful '' Escrow account of a added payment of {$1900.00} @ month, on top of my {$1100.00} @ month mortgage payment on the XXXX XXXX XXXX property owned by Me. 
XXXX XXXX XXXX XXXX. 

Causing excessive Fees and hardships. 
Causing a Loss of my property through the " Foreclosure '' process in XXXX. 

Loan modifications were submitted. But were not granted nor applied in time to save property from " Foreclosure '' ... 

Contacted Wells Fargo on XX/XX/XXXX to seek Claim settlement. 
Spoke with XXXX with no results, requested Wells Fargo supervisor to Call back. Due to lack of availability, according to Wells Fargo " XXXX '' CS rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many disputes and have made many calls to them and asked for them to please delete this account off my credit and it has not been done so first they have been reporting illegal reporting stating my delinquency accounts this account is closed and paid off since 2020, and its adding negative remarks I have called and called and sent multiple letters no issue has been resolved instead they just add more remarks.
Product: Money transfer, virtual currency, or money service

I tried 3 times to close my deceased wife 's account with Xoom, a XXXX Service, over the telephone, but they continue to say the only way to close the account is by the account holder to close the account, per their privacy policy, so deceased persons accounts can not be closed. 
Why do I want to close the account? So I can open an account in my name with the email address currently associated with my deceased wife 's account.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
Avant marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XXXX
Product: Mortgage

Ocwen Loan Servicing LLC has refused to release my property title despite the fact that I have made all the payments outlined by the Promissory Note. I have made several attempts to resolve this matter with Ocwen and all I have received is inconsistent information. The last time I spoke with A Consumer Account Analyst, XXXX XXXX XXXX XXXX who pointed out to me that Ocwen is using a different method to calculate the interest and apply the payments made than what is included in the initial agreement as specified by the Promissory Note. She indicated that she would speak with her supervisors/managers with the goal of resolving this matter but we have since only received a letter threatening us with foreclosure. 
The loan we took out against this property originated with The XXXX/Consumer Finance XXXX XXXX we made the XXXX payments as outlined by the Promissory Note and expected to get our title but this has been held by Ocwen and they have not been willing to outline clearly the rationale for the amount they are alleging we owe. 
We desperately need your help. We can not afford to get an attorney at this time because of our employment status. If there is a ligitimate basis for some amount owing all we are asking Ocwen to do is to point it out to us so we can understand and we will honor our obligation as we have been doing since our XXXX payment XX/XX/XXXX through XX/XX/XXXX 
Please help us, we do not want to loose our home that we have worked so hard to finally pay off.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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

CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX alerted me about new activity on my credit report. It was determined CBNA requested my credit score from XXXX. This request was not authorized by me, so I immediately placed a freeze and a fraud alert on my credit report with the three major bureaus ( XXXX, XXXX, and XXXX ). Also, I attempted to contact a CBNA representative on XXXX, XX/XX/2022, but this organization was closed. However, I will contact the company on XXXX, XX/XX/2022. XXXX XXXX will investigate this fraudulent activity too.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX account appears on my report that states I have a past due amount to XXXX XXXX from XXXX. 
I have never been with XXXX. 
There are 16 other XXXX XXXX in the XXXX XXXX area. 
I have been with XXXX since XXXX. 
I offered to provide my declarations page for each year. 
I submitted a dispute and within days they closed the dispute and marked the account as accurate. 
They refuse to open a second dispute or take my documentation.
Product: Mortgage

Mortgage Modification Plan 1st Payment of 3 consecutive payments was made XX/XX/XXXX XXXX Payment of 3 was scheduled for XX/XX/XXXX but never taken from my checking. Mortgagee said there had been a stop payment issued, and said my Mortgage Modification Plan was in default and therefore denied. 

No stop payment was issued by anyone on the account. I appealed their decision on XX/XX/XXXX. I have not heard any follow up or decision regarding my appeal. As of XX/XX/XXXX my home is in foreclosure status. My account has been referred to their attorney.
Product: Mortgage

We closed on our current home on XX/XX/2020 and completed the sale of our previous home on XX/XX/2020. We intended to use the proceeds from the sale to recast our mortgage. Dovenmuehle Mortgage has stonewalled us at every turn. Despite receiving nearly {$400000.00} to recast our loan, they refuse to adjust our monthly payments. We have called them more than 20 times, once being left on hold for more than 3 hours. We receive contradictory information. Although we were told on at least 6 occasions that someone would call us back, we have never received a call. Our monthly payment amount remains the same and we are struggling to pay. My advice to anyone who has Dovenmuehle as a loan servicer is to refinance as quickly as possible and to not deal with them at any cost.
Product: Credit card

I went on vacation overseas on XX/XX/XXXX2024. I got an email from my credit company saying my password has been changed which I didnt do so I called to report the activity. They told me simply to change my password to avoid unauthorized use, which I did. I was paying my bills online around same time and found two charges totaling over XXXX dollars. I called on XX/XX/XXXX asking about the unauthorized charges. They told me they were flagged and to rest assured credit will be given back to account in about 7 days. Upon my return from vacation around XX/XX/XXXX24 I noticed the charges went through plus someone was making payments on my behalf that were overturned causing return payment fees so I call the company again. After several attempts I was finally transferee to the fraud department. They reversed the charges and give me credit for the returned payment fees pending investigation. Yesterday, XX/XX/XXXX I received a letter stating my account was closed as XX/XX/XXXX because I failed to provide proof of identity. I logged in my account and see my balance was now XXXX dollars. I called again and they told me the fraud investigation revealed that supposedly I made a purchase on line back in XX/XX/XXXX2024 and it was delivered to my house while I was out on vacation. I checked my online account and I dont see any changes since XX/XX/XXXX 2024 so I dont understand why they are saying a placed an online order back in XX/XX/XXXX 2024 and it was delivered to my house. They asked me to call the main customer service number to find out what store was used for the online order and all I know is that it was placed in OH But I live in CA and I wasnt in the country when this order was placed. Ive been dealing with online fraud since these issue with another credit card companies which I successfully got dismissed. 
Im attaching the receipt for the vacation I paid showing I was out of the country when this order was placed so there is no way I was at home to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX