23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX account status on my Experian Credit Report showing " Derogatory ''. There was time when I was out of a job and couldn't keep up with my payments. This is true and should have been reported as such. However, I've righted that ship getting my payments in on time. I've gotten out of default and I'm currently making monthly payments to XXXX on my school bill. So I am now current. I was under the impression that this somehow would be reflected on my credit report. Didn't realize my XXXX XXXX XXXX account would be closed and thus not being able to show that I was making payments there. This is a dilemma. Experian still has this account as derogatory when my account was and is current when it was passed on to XXXX. It is not expressed this way on the other two credit bureaus and I believe is seriously affecting my ability to strengthen my credit. If you wouldn't mind, please see if there is a better way to represent how this account is expressed so I am able to build my credit. Thank you.
Product: Credit card or prepaid card

In XX/XX/XXXX, I was a victim of identity theft - Once the FTC reported the theft to all of three credit bureaus some of the creditors put a freeze on my account until I verified my identity with them - except for Bank of America. 

I've been a member since XXXX and I've had my credit cards since XXXX one card was $ XXXX and $ XXXX I've never been late and still making all my payments on time. Although Bank of America has not closed my accounts, they have lowered my credit lines to my balance which is ultimately effecting my debt ratio. 

When I went to the bank to show my identity, I was told I must re-apply for these already established credit lines which will add unnecessary inquiries on my credit file. 
These are unfair banking practices and although I have great credit I don't believe I should be required to reapply. 
I would like for Bank of America to reinstate my credit lines immediately. 

Thanks,
Product: Mortgage

In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place.
Product: Debt collection

I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from XXXX XXXX XXXX According to the representative is ran by XXXX XXXX and XXXX XXXX. Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.
Product: Money transfer, virtual currency, or money service

Submitted international wire transfer to XXXX on XX/XX/XXXX, bank set deadline no later than XX/XX/XXXX, obviously not received anything by that date. Called bank back and found out, all funds going to XXXX has to go through extra review process by XXXX, which has no timeline whatsoever, so ive decided to cancel transaction, and since then XXXX just holding my money ( routine review process ) even though money not going anywhere, multiple requests to expedite and release funds have been submitted by my bank, and 0 response received whatsoever, XXXX totally unreachable and apparently can keep reviewing my money for years if they want to. Almost 90 days already past of reviewing money which is not going anywhere, absolutely ridiculous and all I'm trying to do is get my money back so i can pay rent and bring food to the table.
Product: Credit card

I received a credit card in the mail I did not apply for. I called the bank who issued it and let them know and they canceled it and said they would notify the credit bureaus. They first said they could send me a copy of the application, but then they said there was a very lengthy process for this, including hard copies of forms mailed to me that needed to be notarized and sent back, so I declined. 

What else should I do to protect myself? And I have a paid subscription to XXXX, which did not alert me to this at all. I haven't been able to contact XXXX to alert them and find out what to do. I'd like to report them too.
Product: Credit reporting or other personal consumer reports

Experian allowed a collection agency to put a flag on my report without any validation that the debt belongs to me which it doesnt and dropped my credit score XXXX points. The collection activity is for a person that had an account in Illinois in XXXX and I live in Texas since XXXX. There are mo Illinois addresses on my credit report and they should have verified to debt before causing me financial harm.
Product: Debt collection

I have send a Certified Cease and Desist Affidavit of Truth and have yet to receive a response with an Affidavit. When one receives a compliant with an Affidavit, one must respond with an Affidavit, and the opportunity to cure my remedy request.

This Affidavit was send via certified mail on XX/XX/2021 # XXXX. 

The Account in reference is Santander Account # XXXX
Product: Debt collection

Payment was made XX/XX/year>. It was said from the debt collector it would be immediately removed from my credit report. It has yet to be removed
Product: Debt collection

This judgment was filed XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX XXXX XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
Product: Vehicle loan or lease

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping 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 delete and block this information 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 all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Ally Financial bal. {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IMy car a XXXX XXXX XXXX was financed for {$7000.00} by American Credit Acceptance. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe American Credit Acceptance nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel American Credit Acceptance is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The name XXXX XXXX XXXX and the address below is incorrect : XXXX XXXX XXXX, XXXX XXXX NY XXXX This has never been a personal address of mine. It is identity theft.
Product: Credit card

-Received an email from Capital One stating that I had a credit card on the way. 
-Called the fraud Department on Monday XX/XX/2023. Opened a case and forwarded to the fraud investigations. 
XXXX XX/XX/XXXX, received the credit card. Additionally, received a letter stating that the card issued was fraudulant with no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in paper work on XX/XX/2022 in regards to a fraud inquiry thats named XXXX XXXX but it is still reporting. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Debt collection

As of XX/XX/year> XXXXXXXX XXXX XXXXXXXX states that this is a new trade line that was done this year. I didnt open this account this year.
Product: Checking or savings account

Fifth third bank committed fraud, I have filed a FTC identity theft report, this bank did the same as XXXX XXXX by opening accounts in my name with out my permission I called fifth third bank and I got talk to very badly and treated with unprofessionally, I was transferred constantly they is didnt want of hear about my issue, Ive already had to sue XXXX XXXX several times and succeeded with winning both cases, my identity has been used in the past, Ive had problems with identity theft, this bank is just that bad this account needs to be taking off XXXX  or Im filing a complaint with the attorney general here in ga
Product: Mortgage

Servicing for our property was transferred to Fay in XX/XX/XXXX. We submitted our first payment due on XX/XX/XXXX to FayServicing via bank check on XX/XX/XXXX. This check was received and cashed by Fay servicing on XX/XX/XXXX. 

However, Fay misapplied this payment to another account, initiatinga domino effect of late fees and default interestcharges ( see page 2 of CFPB complaintXXXX, where Fay acknowledged as follows : " Fays records reflect that the funds were inadvertently applied towards a loan not associated with the above-referenced property on XX/XX/XXXX. Please note, these funds were recently reversed from the incorrect account and applied to your loan. '' ) As of today, XX/XX/XXXX, Fay Servicing has still not removed the default interestcharges resulting from their misapplication error. We called Fay Servicing on XX/XX/XXXX to resolve this issue with a representative ; however, the representative said she had 1 ) no access to the original CFPB compliant and associated response, 2 ) could not pull this information up in our system, and 3 ) could not waive any charges as a result. She agreed our only remedy at this point may be to pursue legal action. 

I have attached a copy of the bank check that was cashed by Fay on XX/XX/XXXX, which Fay had indicated they never received and then assessed late charge and default interest on our account. It has been 6 months and Fay has yet to remove the default interest charges that should have never been assessed to begin with.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the customer service line for XXXX/Wells Fargo XXXX XXXX . I noticed they had not processed my payment {$88.00} that I scheduled on XX/XX/XXXX that was due on XX/XX/XXXX that I scheduled for XX/XX/XXXX. My payment was for the full amount due. My balance was now {$110.00}. My payment was still in processing status on their side and not completed. This was my first billing cycle with them so I wanted to make sure everything was alright and was why I logged in the day after my payment was due to make sure everything processed okay. Their customer service agent named XXXX told me that eventually the late fee would be removed, but the interest charges would remain. I informed her that was illegal because I scheduled the payment on XX/XX/XXXX for the due date of XX/XX/XXXX on their web site and I paid on time. It was their processing time that was late. I was put on hold several times and after being put on hold multiple times she said no interest charges would be on my account, but as of now my account still has a balance of {$110.00} no time line was give to me of when my balance will be XXXX  out. I was given no confirmation number just that she would be checking on my account. No call back number no time frame. Just the word of an agent with the a credit card company that I no longer trust.
Product: Mortgage

Tiaa, our mortgage holder is using our mortgage payment to pay insurance that they say we owe. We have had our insurance with XXXX since XX/XX/2020 to date and Tiaa will not accept our insurance. Tiaa is using forced escrow insurance which we refuse to pay since we have proven to them that we have had XXXX XXXX. No matter what we send them ( copies of the policies ), Tiaa will not accept this proof therefore they say we owe them thousands of $ 's and they are collecting this money by using our mortgage payments to do so. We have written the President of Tiaa, the President of XXXX twice. No response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} Nordstorm/TD Bank USA XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Checking or savings account

Wells Fargo had a major service outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo Online. This was an issue for me, because I received statements for my accounts exclusively online. I moved most of my money to another bank in XXXX of XXXX, after Wells Fargo failed to restore access. To this day, I am still unable to access Wells Fargo online. Also to this day, I do not have statements for my checking account for the period of XX/XX/XXXX to XX/XX/XXXX. The account was closed in XX/XX/XXXX. 

Throughout multiple contacts with Wells Fargo, they have failed to even acknowledge that there is an issue.
Product: Debt collection

I am writing to you with the utmost urgency regarding a fraudulent account that has maliciously tarnished my credit report. It has come to my attention that an account, which I never initiated nor authorized, has been unjustly linked to my name. This egregious error threatens not only my financial standing but also my trust in your ability to accurately maintain credit records. XXXX XXXX XXXXXXXX
Product: Mortgage

Vanderbilt mortgage requested me to send in proof of insurance for the year of XX/XX/XXXX to XX/XX/XXXX. I have attached proof of my homeowners insurance policy with flood insurance included. Vanderbilt mortgage keep complaining about me not having flood insurance, but I have always had it included in my physical damage insurance, but they still bill me for a separate flood insurance policy, XXXX XXXX XXXX XXXX of {$570.00} annually for the coming year in advance, but I know I didn't authorize this policy this year with farmers. But Vanderbilt mortgage still refuses to remove it from my escrow account which is causing escrow shortage deficiency to be more than it should be. 
XXXX XXXX company is the only insurance company I have authorized to provide my homeowners insurance for the year of XX/XX/XXXX to XX/XX/XXXX or any other year before this coming year. 
XXXX XXXX company has confirmed and assured to me that homefirst insurance is, and has been since XX/XX/XXXX the only policy they have as my homeowners insurance provider. And is the only insurance company provider for the coming year of XX/XX/XXXX through XX/XX/XXXX ; Vanderbilt mortgage must remove that flood insurance policy of {$570.00} from this coming year of XX/XX/XXXX through XX/XX/XXXX from being my homeowners insurance provider, which is being paid to XXXX insurance, because I have not spoken with XXXX insurance since XX/XX/XXXX when I last asked them about a cancellation I requested of a policy with them in XXXX of XXXX, so I definitely didn't authorize Vanderbilt mortgage nor XXXX XXXX to renew any policy with XXXX  for this year nor did I give XXXX  any authorization to be my homeowners insurance provider. 
( Please see proof of attachments )
Product: Debt collection

On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from American Coradius International LLC on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called XXXX and ACI and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
Product: Credit card or prepaid card

I have submitted documentation to Synchronydirectly to the office of the President to a lady by the name of XXXX, in an effort to resolve my dispute of charges, missed payments, and debits to my bank account resulting from identity theft. The office of the president of Synchrony contacted me and assigned a point of contact, but this person lied to me, stopped answering my messages, and did not return my phone calls after I requested a refund for funds that were drafted from my bank accounts without my permission. Synchrony bank has been playing with this account for over 6 months and has damaged my credit score. Synchrony responded to a previous complaint that this issue was not resolved in my favor but that is also false. The company has not reported the correct information to the credit bureau and refuses to address the issue. I would like the Consumer Finance Protection Bureau to investigate this issue and would like to receive assistance with representation to sue Synchrony for the damages that it has done to my person,
Product: Credit reporting or other personal consumer reports

Used my credit report from credit bureau added me to their clients file then XXXX. Closed my account and case making me not eligible for lexington law settlement remove my information from jnd legal administration system remove my account from active list that why other agents cant find my record or information because they closed my account and case very upset about this issue need to make my information active in the system for jnd legal administration to see XXXX eligible for a settlement check because they used my credit report to update my credit without my permission from credit bureau paying them fees to along with that but they closed my account once they completed and finalized it I was harmed by them please resolved this issue
Product: Student loan

I repayed my student loans to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to Mohela in XXXX  where I continued to pay, even through Covid. Mohela transferred my loan to a new servicing platform in XXXX. Since, my account has gone into past due, though I'm overpaying. Also my online payment history is no longer available. Mohela has assured me my payments were received, my account is paid up to date, my payment history will be available soon, and that the system is behind on updating. They have offered no tangible proof that I'm up to date while I'm receiving past due notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, I've sent several letters to Experian about how they could report the following Bankruptcy XXXX XXXX case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.