23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Alameda does not send me mortgage bills despite MERS showing it as the servicer. Im suing it for fraud and they are going to foreclose. I have never will never and can not perform on a contract that is fraudulently induced with lies deception omissions and trickery. But despite me canceling and my ca court case Alameda still enforces the loan absent any bills to me. I have no idea what they are doing other than illegally marching me to foreclosure and homelessness. Its theft of my wealth and a crime. Where r the bills?
Product: Checking or savings account

I will attach information that is detailed, but on XX/XX/year> I called Wells Fargo Bank 's XXXX number and asked for the fraud department. Unknown to me the call was captured and routed to scammers. I never knew I was not speaking to a WF Banker! I followed their instructions and lost {$25000.00}. When I went into a branch, the manager nor the teller asked any questions as to why I was withdrawing funds that were not standard for my normal transactions. If they had followed guidelines and questioned me, I would have realized I was in the beginning of a highly sophisticated scam. Wells Fargo has refused to refund my money stolen because they can not see where I ever called the XXXX number. That is one of the shocking things about this scam. When the call was captured by the scammers, all traces on the bank side and on my phone were erased, so the proof is gone ... along with my money. 
This has been reported to the police and FBI.
Product: Debt collection

A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account is reporting erroneously on my credit : XXXX XXXX XXXX XXXX XXXXXXXX {$180000.00} opened XX/XX/year> I have never applied to or contracted with this company, I called to ask them to support their claim via a signed contract and they said they can not do that, nor do they have said document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this email because Ive had multiple cases of failed background checks through your company ( First Advantage ) over the past couple months, even though my record has been expunged so Im sending you these documents to make sure that youre company is aware of my expungement and your records are accurately reflecting of my legal background.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.
Product: Debt collection

I did not become aware of any debt owed to genesis credit FS until a couple months ago. As soon as i received notification that a collection agency was seeking me to pay debt owed, I checked the legitimacy of thr lawyer and collection company and it showed to be legitimate. At that point i called and asked for proof of purchase or telling me where i accrued the debt. They sent me past invoices sent to a very old address using an account that i have no awareness of. It looks as though XXXX is the original company and I have never purchased anything from them. I could search through years of bank statements to prove that. I need to know how to clear my name of this debt. And properly address the collections agency, as they are fulfilling something that they have been legally hired to do, even though their is some sort of fraudulent activity behind this. 

The current name of creditor is Galaxy International Purchasing XXXX XXXX XXXX sending me the collection paperwork is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb . Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/Clarity has a 30 day late 60 days late on my credit file that has issues in which XXXX claims they placed on my credit report XXXX was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling XXXX to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with XXXX claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying EXPERIAN place the info on there not them. 

I mailed them certified mail with no response to the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally address some inaccuracies I have discovered on my credit report from Experian. Upon thorough review, I identified several reporting errors that have negatively impacted my credit profile. I have previously disputed these erroneous reports with the respective companies, agencies, and student loan servicers involved. Unfortunately, each response has reiterated that the reported information is accurate and that no changes will be made to my credit report. This situation has prompted me to invoke my rights under Title 15 of the United States Code, which pertains to commerce and trade, including protections against unfair reporting practices ( 15 U.S.C. 1681, 1681f ), and under section 623 of the Fair Credit Reporting Act ( FCRA ). In addition Experian has experienced a data breach which made my personal information vulnerable to hackers. In light of this, I am requesting a complete deletion of the negative information from my credit record. I believe that the continued presence of these inaccuracies is unjust and detrimental to my financial standing. I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation from my end, please do not hesitate to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX, XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, Experian is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} Experian is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the XXXX XXXX XXXX is reporting it as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, Experian is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported Experian is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX Experian is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX Experian is reporting 60 days when XXXX is reporting 90 days but Experian is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Acct # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, late payments, & XXXX Student Loans # XXXX has violated my rights. 

15 U.S.C. 1681 Sec 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 A. It also states a consumer agency can not furnish a agency without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Flagstar acquired my mortgage from another lender ( I had no way to object to this ) on XX/XX/2019. 
We were acquired from XXXX XXXX. We pay half of our monthly payment every 2 weeks. There are 26 weeks in a year and we make 24 half payments. This gives us the month of XXXX with no mortgage payment. We use that money for XXXX gifts. 

With Flagstar Bank I can't make a half payment. When I make an early payment. The payment is credited to principle not to the next due payment. Then when the actual payment is due they say I'm late and charge me {$50.00} along with attempting to get another payment or have my credit report tarnished. I have to call to have them credit the early money toward the monthly payment not the principle.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

Account Name : LVNV # XXXX In accordance with the Fair Credit Reporting Act, public law 91-506, title VI, Section 611 please provide the name and business addresses of each individual with whom you've verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation Thank you, XXXX XXXX
Product: Debt collection

I explained to the debt collector that I would wasnt responsible for the debt owed because I was given the car before I officially signed the agreement, at the time I had multiple troubles with the car and didnt like it, I returned the car to the dealership the dealership told me I wouldnt be held responsible for the car they was going to fix everything which was a lie. The debt collector is only reporting the collection account to 1 of the credit bureaus and the information reported is incorrect. I called three time and asked for all my documents regarding this account and its been 3 months and I havent received anything yet
Product: Vehicle loan or lease

Santander Corresponds, Thank you for pointing out some of the faulted activity and suggesting speaking with dealership as XXXX XXXX is also third parties into this very complaint as has not responded to the complaints at all in reference to XX/XX/XXXX XXXX sent to FTC for fraud regulations. 

let the record show that after response was enter FTC sent a report of all codes violated from Santander emailed by me to XXXX XX/XX/XXXX and XX/XX/XXXX. 28 code violation have been cited. Let the record show i will include that into the next CFPB report. 
let the record show the XXXX XXXX dealership has received revoking of power of attorney, letter of affidavit, letter of recission in XXXX of XXXX based on fraudulent activity on contract. because of this the 3rd party contractor has no legal securities authorities to collect onto this account. 15USC 1692 information to a 3rd party, as per the contract with XXXX XXXX 15USC1682 identity theft I would also like to thank you for offering a copy of the fraudulent contract that has details of forged signature and that is not the original contract that was signed in wet ink in XXXX XXXX as the customer has to be present for any correction and signature has to be notified to the customer the contract should be 100 % a duplicate contract and changing your contract after the customer has left to suit the other parties is fraud including Santander because of this in the original contract please note I have the right of recission and the right to ask for all money involved in the deal thru Santander and XXXX XXXX. XXXX XXXX lack of compliance or correspondence shows the fraudulent securities and deals of yoyo auto dealer fraud and fraudulent signatures. let the record show this is identity theft and attend to pursue my rights. 

Please provide the original purchase agreement that shows you are legally holder of the alleged debt. 
I need the bills of sale that is appropriately signed by both the original lender and the third-party all violations XXXX5usc 1692f/ 15usc1682 identity theft truth and lending act 15usc1602g/ 15usc10 ( 9i ) let the report show I will be filing another report for both Santander and XXXX XXXX XXXX With the XXXX let the record show I am asking for a purchase agreement if Santander conspired with XXXX XXXX AS the bank , you are just as credibly for organized fraudfully behavior, and collecting on the account is also fraud. i have included XXXX documents along with deals of the fraud securities that was include during the deal without my knowledge include what Santander suggested XXXX XXXX taking the care and down payment in a securities transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Bank of America unilaterally closed one of our bank accounts. The reason they provided was that they could not verify one of the names on the account. I don't believe that BoA actually attempted to verify my son 's identity. Based on that action, we closed all of our BoA accounts to include credit card accounts with the exception of one LLC account. My complaint is that BoA kept one of the credit cards active after we had requested that it be closed. In early XXXX, while collecting information for our tax returns, I discovered that this credit card account was still open and had accumulated charges, late fees and interest in the amount of {$170.00}. My issue is not the dollar amount but the fact that BoA filed a negative credit report with all of the credit reporting bureaus. When I discovered this I filed a dispute with BoA and BoA ruled in our favor erased all outstanding charges. However, BoA has refused to write to the credit bureaus to let them know that they filed the negative credit report in error. In the meantime, my excellent credit rating has been reduced to good which negatively impacts me. I am requesting that the CFPB direct BoA to take all actions necessary to repair my credit which has been harmed by their erroneous action.
Product: Vehicle loan or lease

I have been a customer of Toyota of XXXX since XX/XX/XXXX. I purchased the XXXX XXXX XXXX, the XXXX XXXX XXXX, and currently the XXXX XXXX XXXX. My problem is with the XXXX XXXX XXXX, which I purchased in XXXX, XXXX. 

This vehicle was listed for approximately {$28000.00}. But I was pressured into engaging with so many unnecessary after market add-ons. The result was that I ended up signing off the car at approximately {$47000.00}. After realizing this was too high, I returned to the dealership two or three days after to complain. They made some cosmetic adjustments bringing down the cost to about {$45000.00}. 

I pay {$780.00} a month for this vehicle. I was forced to sign off this vehicle because I needed it for family use and for me to drive to school on time. Toyota of XXXX told me that I shouldn't worry about the cost because after six months, I should be able to refinance the car for a better and comfortable monthly payment.

Now, I'm struggling with a mortgage, Student loan and car loan. I need someone to please intervene for me. 

Thank you and have a blesses day.
Product: Checking or savings account

1ST ISSUE PAYPAL SHOWED ME HOW MUCH THEY CREATE FRAUD ON CUSTOMER ACCOUNTS MY ACCOUNT WAS SUPPOSED TO RECEIVE A REFUND TODAY INSTEAD WHEN I CALLED ONE OF PAYPAL AGENTS FRAUDULENTLY CHANGED THE PAYMENT REASON TO EXTEND THE PAYMENT INSTEAD OF ALLOWING ME TO BE REFUNDED AND I AM 100 % SURE THEY DO THIS TO PEOPLE ALL THE TIME. WHEN I CALLED ABOUT THE REFUND THEY KEPT PROLONGING THIS ISSUE UNTIL THE AGENT CHANGED THE REASON CODE CAUSING THE TIMEFRAME FOR MY REFUND TO EXTEND ANOTHER 20 DAYS FRAUDULENTLY. {$45.00} SHOULD HAVE BEEN REFUNDED BACK TO ME INSTEAD THEY EXTENDED IT GIVING SALER ANOTHER 20 DAYS TO GET HIS MONEY BACK.. 
2ND ISSUE I ALREADY HAVE ANOTHER DISPUTE THEY HAVE REFUSED TO PAY ME FOR A DISPUTE THAT SHOULD HAVE BEEN REFUNDED MONTHS AGO BUT THEY KEPT CLOSING A {$280.00} DISPUTE WHERE XXXX XXXX SENT BACK A REFUND BUT PAYPAL ONLY GAVE ME BACK {$8.00} OF THE REFUND AND THEY KEEP CHANGING THE CASE ID WHICH I WAS NEVER REFUNDED BACK TO ME THE CASE ID IS XXXX FOR THE {$280.00} REFUND PAYPAL KEPT XX/XX/2022 DISPTES WERE XXXX YET THEY KEPT EXTENDING THEM AND CLOSIGN THEM OUT SAME WAY THEY ARE DOING THIS OTHER CAAND THIS SHOWS HOW ALOT OF FRAUD THAT HAPPENS ON PEOPLE ACCOUNT NEVER GET CREDITED I HAVE LOST OVER XXXX TO BANKS THIS YEAR JUST STEALING FROM ME FOR NO REASON...
Product: Prepaid card

In the terms and conditions for the way2go card it states only if there is Extenuating circumstances why you did not report the fraud within two business days. If a good reason ( such as a long trip or a hospital stay ) kept you from telling us, we will extend the time period for reporting fraud. 
I reported the fraud charges the same day I saw them on my card but they will not refund my money or do an investigation. 
I had been in the hospital for 6 weeks and I even provided them paperwork from my doctor and they refused to open the fraud claim they said because it had been to much time. And the customer service representative on the phone said they never reopen a claim for anyone no matter what she said they never reimburse people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account : XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

Home Point Financial located in XXXX Texas refuses to give me credit for receiving my loan payoff in the amount of {$180000.00} which they acknowledge was " applied '' on XX/XX/2020. Instead they are claiming after the fact that they received it on XX/XX/2020, and are not giving me credit for the payoff payment until that date. This fictitious date change is causing me to incur additional fees in the amount of roughly {$250.00}. I have documentary evidence that Home Point Financial receive the payoff payment on XX/XX/2020.