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

This is XXXX XXXX XXXX filing this complaint on my own behalf. I am attempting to get someone to help me AGAIN. I filed a complaint on XXXX with no response from anyone. I feel that these accounts are affecting my credit report and costing me thousands of dollars hurting my way of life. This is not like a regular dispute. I have filled a complaint with the Federal Trade Commission bc to my knowledge I do NOT recall any of these accounts. I need this problem fixed ASAP. I am trying to be patient but I can't wait another 60 days just to have my responses passed over because everyone is clearly ignoring me. I demand these accounts be deleted immediately or I will have to file for litigation due to the huge amount of stress you caused me. Section 611 ( a ). stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and no updates so now I need these items deleted promptly.
Product: Mortgage

On XX/XX/2019 at XXXX. I submitted a request to change the checking account that I use for ACH for my FHA mortgage that is being serviced by GMFS. The conformation that I received stated that the change would go in to effect on XX/XX/2019, Since I was told the change wouldn't not go through until XXXX, I made the XXXX payment manually to avoid being late on my mortgage. On XX/XX/2019 both the manual payment I made, and the ACH that wasn't suppose to begin until XXXX, posted to my checking account. I called GMFS immediately, and they informed me that there was nothing they could do, although they could see from their records why the double payment occurred. I was told that a supervisor would contact me by end of the work day. After not receiving the promised follow up call, I called them again, and again I was told that the supervisor was " busy '' and to prevent the issue from going any further they would cancel any future ACH withdrawals for my account, and make my next due date XX/XX/2019. This would have corrected the issue, so I took no further action. Today XX/XX/2019 another charge was taken from my checking account, despite being told that all transactions of this sort would be canceled. I again immediately called GMFS, and they told me that there was no record of the ACH being canceled, and there was nothing further they could do for me, other than cancel future ACH transfers from being taken out. So, on two separate occasions GMFS erroneously withdrew a payment from my account. Both times I was told there was little to nothing they could do. Their errors are putting unnecessary strain on me financially. Its sad that a company that a company that we are suppose to trust with servicing our mortgage cant take proper action to rectify this situation that was only caused by their own incompetence.
Product: Mortgage

Freedom mortgage sent a check to me to pay my property taxes out of my escrow account in XX/XX/XXXX in the amount of {$4800.00} which I then used along with a personal check to pay my property taxes in full. Freedom mortgage states they also made a payment in XXXX of XXXX in the amount of {$4900.00} directly to the county of XXXX to pay that same property tax due. In XX/XX/XXXX then notified me that my esrow account now had a negative amount due to their erroneous extra property tax payment so they would be increasing my monthly payment by {$420.00} a month to account for that difference. I initially messaged the company for response on XX/XX/XXXX, however, their response resulted in incoherent logic and did not explain the issue. I then contacted them by phone on XX/XX/XXXX to point out the error I discovered above. The escrow department could not help me so transferred me to the tax department who said they would request a refund which could take up to 6 months. They could do nothing about my payment increase so they transferred me back to the escrow department that said my only recourse was to pay the additional amount or I would be considered deliquent in my payments. To pay this additional amount would result in a financial loss to me above the required extra payment and if I don't pay the extra amount it will result in harm to my credit score which again would result in financial loss to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent accounts that do not belong to me and I wish to have them removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$290.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$1000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} + COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} I have many fraudulent addresses that I want removed, they are listed below. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX.
Product: Debt collection

On multiple occasions, I have reached out to this creditor requesting that this agency / office sends me valid proof of claim that I am legally obligated to pay this debt. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required. I do not believe that I owe this debt, and I have disputed it and allowed the agency appropriate time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I also noticed that this account is showing a debt collection but in the remarks section of my credit report the creditor has account status as open. This agency is also violating 15 USC code 1681eb by reporting inaccurate information on my credit report. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This creditor is violating several laws and I demand that this account be deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received from a person a deposit of XXXX for XXXX XXXX in the state of Tennessee for {$6000.00}, on XX/XX/XXXX the money from the XXXX  was available in my account and I proceeded to make a transfer of {$2600.00} to a bank account of the same bank ( direct transfer ), hours later when I checked my account it had a negative balance of {$1800.00} because the XXXX  deposited for {$6000.00} had been returned by false XXXX  according to information from the bank. I called the same day to ask them to return or stop the transfer and the answer was that it couldn't because it was in process, that it had to be completed in order to make a claim. The next day I completed the transfer and called to make a claim and the bank told me that a claim can not be issued because I made the transfer myself. I claimed that I did it because the money was available, but then they left the account in negative, that if the account was negative the transfer should not have gone out. The bank does not want to return the transfer when I explain that the person with the chq and the account to which the {$2600.00} was transferred are the same people, they are scammers. 
My account is negative and the other person being from the same bank has my money, I am asking the bank to block the money in the other person 's account because it is a fraud, but they do nothing Bank : Bank of America
Product: Mortgage

I was in the final stages of closing on my home- I was locked into a rate of 2.75 % and pre-approved by Wells Fargo XXXX About one week before closing they said we are in level two of approval and it seems you have too many outstanding student loans ( most likely may not be approved ). However, it was never an issue -as I was told because they were deferred for more than five years until I finished my PhD program. I pleaded and wrote a letter indicating my status as a single parent and so on I was told to seek financing else where one week before closing. I did - after paying more fees for a broker and other costs and a rate hike of 3.50 % after purchasing points- more $ $ $ - I closed on my home loan. Within less than a month Wells Fargo bought and owned my home loan. I am not sure what this is called but it was clearly unscrupulous. It felt very bad not only from the aspects of stress and dissatisfaction, the lack of any recourse as I was locked into WF and owed them even more- yet would not want to have my loan there. I asked many questions and asked why I was put through this to reach the same conclusion, yet paying several thousand dollar more in initial fees and thousands more dollars over the life of the loan. The branch manager told me they had just finished training to deal with those of us who were rejected and sent to another broker and then were returned back with WF. I said it must be a big problem if you are receiving this training she stated that many customers were caught- up in this and were very dissatisfied. I was amazed that this was allowed or possible in light of all of the fraud and distortion of home buying in the last 10 years- I believe WF was fraudulent in my pre-approval and rejection- where there was no grounds for denying my loan and repurchasing it to make more money over the life of the loan. My XXXX score was over XXXX and payment history is excellent- this was blatant and unethical as I experienced it. Nonetheless, it is finally apparent there was more to the WF business model than poor judgment and consumer mishandlings as being fleshed out in the latest reports. I am happy I finally get to express my disgust with the way I was handled in the mortgage process. They did give me a reward credit card to earn rewards money towards my purchases for my home at 26 % - talk about capitalistic and opportunistic business. As a single parent with no support I feel like it is next to impossible to create a better life for my child - when too much is never enough for those who squeeze you at every possible chance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called Trans Union to have several non-mailable addresses removed from my credit report. After removing them, they lowered my credit score by XXXX points.
Product: Checking or savings account

Hi I've had my business account for over 5 years. I have recently turned to private investors to fund my business and school I am opening and hair care product line. I had previous checks that have not been under scrutiny. I recently deposited a check it cleared my account XXXX. Partial funds were originally set to release but extended was placed on check until receiving bank pays, which did clear. When I went to my online banking my account was locked and when I spoke to risk management and managers I keep getting XXXX information regarding why and no notes on my account stating exactly why account was scheduled to close XXXX XXXX 2024 except someone in risk management thought check was altered in some way but could not tell me how. Everytime I spoke with a manager I asked to have calls reviewed because reps had told me other info each time I called. No manager offered an apology or even said they would listen to the calls. I informed I wanted to file a complaint but I was told they would note my account. After speaking to 2 hire up managers which both told me 2 different things and outcomes, I was told they would close my account and send funds then told I wont get funds and they will hold them until they see what needs to be done. My Rent, payroll, contractors that are expanding salon space have not been paid nor vendors my hair products I need to use to perform my services as a hairstylist I have a mortgage XXXX young children and have just asked for a one time partial release of my available funds just so I can pay my bills due now. They first told me request takes 5 days and nothing can be done about it then said it was requested while they transferred me to the manager and the manger said it was denied. This is completely unacceptable and frustrating especially around the holidays. I have contacted several outlets to help in expediting this matter. I hope you can help me I've also filed a complaint with OCC and I am waiting for a response. Thank You I hope to get this resolved without any more Delay.
Product: Mortgage

I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.
Product: Debt collection

I XXXX XXXX has got into contact with XXXX ( XXXX XXXX XXXX ) about two inquiries on my credit report. I have never heard of them. The accounts have opened in XX/XX/XXXX for XXXX and the other account opened in XX/XX/XXXX. I paid the XXXX in XXXX of XXXX. When i asked if they were for the same reason and why im charged with two separate bills instead of one their answer was these are two separate bills from XXXX XXXX private doctors. I never had a private Doctor. I called XXXX XXXX XXXX XXXX a nice lady on the phone said my accounts were paid in full and i had no other bills on record. So where is this coming from. XXXX never sent out letters to pay a bill i never received information on who the private doctors are and why im getting billed for something i dont know anything about. I dont know the Doctors names dates i recived the bills or what they were for. XXXX was also know for XXXX XXXX XXXX. I dont know who this bill collector is. They are from Florida. I live in Alabama. XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I paid XXXX to them. I just hope that i didnt get screwed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/2024 I received my first call from Peritus asking me to give them a call which I did and was told in four months I owe them {$2000.00} and if I dont make half a payment today my car will be repossessed. I let the woman know of the modification paperwork I received on XX/XX/2024 and under current balance it says 20 % of the principle amount {$22000.00} is {$250.00} and under new term it says nothing but the principle amount. I was told to sign this within 14 days but XXXX it was nothing to sign because it was nothing under new term and secondly that principle amount wasnt right so me and the woman at that time were going back and forth shes telling me well thats what my company provided to them before they went bankrupt and I showed her what was posted on my credit report and that they havent updated none of my payments to my credit report and I sent her proof of all my payments at that time and asked her was I being over charged because in the modification it says {$250.00} current term the woman wouldnt give me a yes or no answer and after that day I never heard from her again not even by email. So I never signed because it was nothing under new term and what if I wouldve agreed and they put any numbers they wanted all they needed was my signature plus I didnt agree with the principal amount. So on XX/XX/XXXX the woman is telling me I shouldve just signed and that I shouldve been called them like I did in XXXX to get the payment information to make payments. Because they never sent out any paperwork introducing themselves or anything about an outstanding balance the only thing my company sent by email is who they was this is who we make payments to and that we wont have the same account numbers once everything has changed over to them theyll make us aware which they never did. I recorded my conversation on XX/XX/XXXX. I never received an account or loan number.
Product: Debt collection

ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX XXXX XXXX Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Debt collection

GM FINANCIAL Was sent a 1099C for this account Account number XXXX Account charged off. {$27000.00} written off. 
Account is closed on XXXX. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST!
Product: Debt collection

Midland crest collection agency brought debt from XXXX XXXX Bank. That I see on my credit report. They say there were payments made. If I was supposedly making payments why would I just stop?? I stated multiple times that I am a victim of identity theft sent them the police report and they are still calling me. Im not responsible for any debt through XXXX  XXXX Or midland credit.
Product: Student loan

On XX/XX/09 I did a credit report to view what was under my profile. After reviewing my profile I noticed this student loan attached to an institution that did not match my debt. After doing some extra research on this I decided to reach out to AES to get this rectified with the source. After a few lagging issues from AES, AES sent a copy of the document of the loan and the copy looks very fraudulent, cut and pasted with missing information like my Social Security Number and birthday. I went the extra mile and reached out to the institution ( XXXX XXXX ) to get clarity on if I had a balance with them. The XXXX Office sent me over a {$0.00} balance through e-mail confirmation and I then sent this to AES for documentation purposes. AES then complied and requested to start a fraud packet with them. I filled out the fraud packet they suggested to the best of my ability but then they refused to process this request. The reasons they decided to not process this because my police report was not acceptable to their standards ( which I don't know how that is not acceptable or make a police report what AES want ), the request to have a blank check with my signature or picture of my photo identification wasn't fulfilled because I want to protect my identity purposes, even though their request to get a document notarized with my signature and identification was needed to do that process. At this point I feel like this company is not only upsetting but refuse to do the needed work to get this removed from my credit profile. I would appreciate your assistance on direction on how to correct this manner. 

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

On XX/XX/2022 I sent a letter via regular USPS mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -XXXX XXXX Partial Acct # XXXX -XXXX  Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/20 at XXXX. CT, I received the following voicemail. This is an important message from XXXX XXXX. The law requires that we notify you that this is a collector this is an attempt by a debt collector. This communication is an attempt to collect a debt and any information obtained will be used for that purpose. It is a violation to leave that personal message on a voicemail without first ensuring you have the correct person. I spoke with a collector last week and let them know that I would be able to pay something once my husband starts getting paid from his new job. I thought the collector was going to work with me, but instead told me I needed to pay {$600.00} per month in order to catch up my account. I laughed and said I had {$12.00} in my account. The collector continued to ask me about payments and we were trying to work it out. I ended up telling him that I would have to check to find out how much I can pay and he would not let me off the phone for any reason. I ended up hanging up and the man continued to call me all day throughout the day.