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

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting

There are XXXX names on my report that I ave never used and dont use as well as XXXX addresses. This information is also kinked to XXXX credit card accounts that I have never had are not in my name and that I have not authorized.
Product: Checking or savings account

i have tried to open a BANK OF AMERICA checking account but ive been told that supposedly ive had an account but it was closed which i dont recall doing.thats ridiculous because if i had opened an BOA checking account i would of had a debit card or knew something about it.maybe it was fraudulently opened
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.
Product: Mortgage

After more than 10 years of litigation ( XXXX XXXX. XXXX ), Wells Fargo continues to withhold critical loan information explicitly required by federal law.

Despite repeated, explicit requests, Wells Fargo refuses to provide documented proof of continuous loan ownership, detailed breakdowns of foreclosure-related charges, and explanations for unauthorized mortgage re-recordings ( notably XX/XX/year> ). 

Internal records confirm multiple title insurance claims filed by Wells Fargo ( approx. XXXX ), yet Wells Fargo intentionally blocked attempts to subpoena these vital details in court ( XX/XX/year> ), preventing transparency. 

No disclosure has been made regarding insurance proceeds received or their impact on my loan balance, payoff calculations, or foreclosure legitimacy.

These actions blatantly violate RESPA ( 12 U.S.C. 2605 ( e ) ), Regulation X ( 12 CFR 1024.36 ), and Florida law ( 701.04, 817.535 ).

I urge immediate and decisive CFPB intervention to compel Wells Fargos compliance, transparency, and accountability. 

SEE ATTACHED COMPLAINT AND EXHIBITS.
Product: Student loan

Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX  Debit is fraud not me
Product: Bank account or service

I have an account in good standing with Simple bank. They misunderstood my comment that I am often abroad and misconstrued this as me living abroad permanently. They have decided to close my account while I am having XXXX done at the XXXX Hospital in XXXX. I have re-iterated to them that I am permanently resident in the USA in the state of CA and they have no cause to close my as account. They understand this but will not correct their mistake. I am very unhappy about this situation. I am XXXX and having XXXX and they are closing my account even though they admit there was clearly a misunderstanding.
Product: Debt collection

( AMERICOLLECT ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX  : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. 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 inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX  a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I was informed that XXXX had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called XXXX again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via Experian that my account had been reported as delinquent due to a late payment. I called XXXX again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, Experian, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that XXXX stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called XXXX again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.
Product: Debt collection

These people have been calling and texting for over a year. Early morning mostly. Every single day. I miss appointments and other calls because I have to turn off my phone every night in order to get a full nights sleep. I tried to contact them but nobody ever answered. This is not my debt. They are looking for my brother XXXX XXXX. We are estranged, havent spoken in years and I have no idea how to reach him or where he lives. I have told this to these collectors and they continue to harass.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Macys Account # violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I opened my mortgage with UWM in XX/XX/XXXX and setup an escrow account. In XX/XX/XXXX, I received a property tax sale. I logged in and looked and it shows the bank was collecting escrow from me, they did " pay '' my taxes, but the money was always returned to my account. Then supposedly they sent me an escrow overpayment check, which I never received. I called the bank before the sale date in XXXX, and they said they will fix it. I saw the Tax sale took place on XX/XX/XXXX. My taxes have not been paid at all for XXXX to present. The mortgage company even lowered my monthly payment supposedly because there was too much money in escrow, and now when I add up how much I owe for XXXX, XXXX and now XXXX, and calculate how much money i paid in escrow, I would still be short {$4100.00}
Product: Student loan

XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.
Product: Checking or savings account

XXXX   XXXX   XXXX   XXXX    sent a Legal Order to Bank of America requesting funds from my c hecking account. Bank of America processed the order, sending the funds from my account to Massachusetts, without informing me. Bank of America also charged my checking account a {$120.00} " processing '' fee for processing th e Legal Order fro m the state. I called Bank of America on  XXXX   XXXX , the day after th e Legal Order char ge and Fee were deducted, to ask about the unfamiliar transaction. Bank of America told me that even if they were sent the  Legal Order i n error by th e    XXXX   XXXX   XXXX  , the {$120.00} fee was " non-refundable '' and my only method of recourse would be to ask the state to give me {$120.00}. Bank of America charged me this fee for a servic e I neither req uested nor was informed about prior to their processing.
Product: Debt collection

AR RESOURCES INC, XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX keeps reporting a medical debt. They have NEVER mailed me any notices about any outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.
Product: Checking or savings account

I filed a claim with CHASE on XXXX XXXX the matter is still unresolved. Unauthorized ACH payments from our joint checking account in the amount of {$21000.00} to XXXX between XX/XX/XXXX and XX/XX/XXXX remain in dispute. CHASE notified through CFPB that the matter is closed. This is inaccurate and unacceptable. 

After numerous calls to CHASE FRAUD in addition to in person visits to nearby CHASE branch, all of which has included a lengthy and still ongoing review and investigation period, I am resubmitting complaint with CFPB. Additionally, I have filed a police report to escalate recovery of stolen funds as well as to appropriately report the criminal activity and the negligible response from CHASE and counterparts, XXXX and originating bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XACTUS LLC XACTUS LLC, XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX I don't know who this company is and I don't why they put an inquiry on my report. XXXX has removed this off of my report but it still remains on my XXXX and on my XXXX
Product: Credit reporting

I had identity theft from XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name as far everything was working for the good in XXXX XXXX finding out that some one wanted to get a house loan or personal for XXXX At XXXX XXXX I login in to XXXX and found out someone change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureau and found out there was some discrepancy on all XXXX credit bureau so I directed to The Federal trade commission with this problems, they help me in a big way and thanks. Everything was taken off in the credit report that was supposed including the account in good standing with the old name XXXX XXXX XXXX which are in good standing The only XXXX associated with my new name with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX
Product: Mortgage

I have been a customer with USAA since being activated after events ofXX/XX/2001. Since XXXX I have utilized many of USAAs products, such as car purchase, insurance, credit card products, and HELOC. I have never been late and all my accounts have been paid off and in excellent standing. 
In XXXX of XXXX, I contacted USAA regarding ( 2 ) accounts ( HELOC and Credit Card ). I explained that I was experiencing a XX/XX/XXXX hardship and my return to work and medical leave time available was unknown. I requested a forbearance for both accounts. After many letters and phone calls, I was told that USAA was not offering any relief for members. Then in XXXX of XXXX I was told that the only option available to me in regards to the HELOC was a short sale or settlement. 
I provided USAA all the documentation requested for a settlement so that I may just focus on my health and not collection calls. Today I was told that Settlement was declined due to equity in the property. I am so disappointed in USAAs decision practice of seemly asking a member to sell their home. I understand that foreclosure or bankruptcy proceedings are on hold, but why would USAA not provide its members other options. 
I am requesting an appeal of USAAs decision to deny the settlement of the HELOC account and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 
I cant make the monthly HELOC payments and unsure of how long my XXXX will last, but I am willing to borrow from family and an active duty TSP account for the peace of mind of not having monthly collection calls from USAA. At this time in my life, I need to focus on my health and XX/XX/XXXX options. 
I have been a very happy customer in the past. I joined USAA while on XXXX XXXX because USAA had a reputation of servicing the men/women of the Armed Forces. As a veteran, I hope to continue a long relationship with USAA. I respectfully ask for a re-consideration of the USAA HELOC settlement and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 

Sincerely, 20 year Customer of USAA