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

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by First Mortgage and the XX/XX/XXXX status as if it is in " Forbearance '', I also enclosed a definition straight from XX/XX/XXXXselling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' The Silent second was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. The SIlent Second was disclosed to the First Mortgage provider, I was not informed that XX/XX/XXXX would be reported to any credit bureau in any fashion.. The First Mortgage, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the First mortgage with Home Loan Serv is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XX/XX/XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Product: Mortgage

NewRez sent multiple letters claiming that my HOA 's hazard insurance policy had expired and that they were threatening to issue a forced-place insurance policy that I would have to pay at my expense. My representative contacted them via phone on XX/XX/XXXX and found out NewRez never even attempted to contact the HOA to get the insurance information. My representative provided the contact information verbally to NewRez on XX/XX/XXXX and again in writing on XX/XX/XXXX. We demanded any and all information from NewRez showing proof that the HOA 's hazard insurance policy had expired. This information was demanded multiple times. New Rez never complied and never responded. They issued a letter dated XX/XX/2023 claiming that they had secured a forced-placed policy and were going to charge me directly. At ALL times herein, my HOA had a valid, active, insurance policy in effect and NewRez provided absolutely no evidence that the policy had expired, and no evidence that they ever attempted to contact the HOA.
Product: Money transfer, virtual currency, or money service

Earlier this month ( XXXX ), I sold tickets on XXXX and selected that the payment be directed to my PayPal account. 
The tickets were sold, monies deposited in my PayPal account, however, when I tried to access the account to have the monies deposited in my bank account, I received an error message on the PayPal site telling me I can no longer use PayPal and that any money in my account will be held for XXXX days after which Paypal will send an email with instructions about transferring my money.

Upon receipt of the message, I phoned Customer Service and was treated very rudely by an agent informing me that he was unable to disclose any particulars to me as to why I was no longer able to utilize PayPay services. 
To be fair, as I recollect, I have maybe used PayPal one or two times in the past, as I prefer to use other methods to make payments. However, to try and rectify PayPal concerns, I provided them with a picture ID and other methods to verify my identify. 
The servicing agent told me that there was nothing he could do to return me my funds and I simply had to wait the XXXX days. 
It is infuriating to me that this company is able to hold my money hostage and not work with me to validate my identity. 
I truly would never to business with this company- nor would I recommend others to do so. 
I would like my money refunded to me ASAP.
Product: Checking or savings account

I have been a member of First Bank for over 8 years. I am a XXXX  worker running a small XXXX XXXX North Carolina XXXX XXXX XXXX I was told by the XXXX over 2 years ago that I was enrolled in overdraft protection for up to XXXX XXXX dollars. I believed this to be a benefit for myself and my family. First Bank told me I could only use up to the allowed amount and every Friday my paycheck was deposited in my First Bank checking. I started noticing that my bank amount was not what I deposited and notified First Bank about my checking balance. I was told by the bank even though they covered me up to XXXX XXXX dollars, I was being charged XXXX for each transaction that they covered me for. Some week I would have over XXXX dollars in overdraft fees. 
I have provided some documents that show how much I was charged weekly. 
I made many attempts to speak with a representative at First Bank but no one would assist me in explaining what was happening with my money. I called First Bank corporate and they stated they could not refund the fees charged to me. 
These are some of the fees that I incurreXXXX 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 There are more fees attached in documents below.l
Product: Credit reporting or other personal consumer reports

global lenders accused me of having three late pays. when in all actuality i've alway paid on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the alleged dates
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXXY XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On Friday XXXX XX/XX/XXXX, I received a letter that said my wages would be garnished. There was a default judgement in a Michigan court XXXX XXXX XXXX. I have not been a Michigan resident since XXXX XX/XX/XXXX. I do not owe this debt, or have ever had a XXXX XXXX, or applied for one. As stated in the documents received, this debt is from XXXX. This debt would be beyond the statute of limitations. I believe that the debt collector fraudulently used the courts to gain money from something, that wasn't owed and was beyond the statutes of limitations. I would ask for your help in preventing me from being a victim of unscrupulous Debt Collectors. I would also ask the criminal charges be pursued against a company that would operate in this way. 
I was also told by the attorney 's in Iowa that I would have to find an attorney in Michigan to handle this and there was nothing they could do for me. I feel as though this unethical debt collection company has roadblocked me for every option of disputing this debt. The judge who has acted on this order without reason is in the XXXX district judicial court of the state of Michigan and the attorney who filed for this unethical debt collection is XXXX XXXX. I feel as though the venue violates US Codes : 15USC Sub-chapter 5-1692i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!
Product: Debt collection

As of XX/XX/2021 I was contacted by my property manager that Prestige Financial had contacted her by phone to do a residence verification as if I was trying to obtain a new line of credit. This company has sent me harrassing emails from XXXX. I changed my number and the calls stopped but the emails continued. For a while they left me alone, and this is when they reached out to my landlord, and was demanding information on if I was being evicted, how much my rent was, how many people lived with me, etc. It was so shocking that she sent me a message asking me if I was trying to purchase something because of how demanding they were.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/year>
Product: Checking or savings account

Since mid XXXX, I have been trying to get check copies from Wells Fargo. These are needed for required documentation purposes. Despite at least 8+ hours of calls to all levels of banking, Wells Fargo refuses to provide banking records. Wells Fargo sends emails to acknowledge that I have called and they just shine me on. I have spoke to " Wells Fargo Executive Office '' and despite multiple over more than 6 weeks, Wells Fargo " executives '' do not return phone calls and do nothing to provide the documents requested.
Product: Credit card or prepaid card

I was faithfully paid bill on time and never missed a payment and this company decreased my credit limit, causing my credit utilization on each card to be at 90 to 100 %. This company is called synchrony bank. I had over five accounts with them and almost every single one of those accounts They decrease each of them by a large amount like for example from my Sams Club card they decrease the balance from {$8000.00} all the way down to the total amount that I owe which was at {$2300.00}. This affected my credit and I was faithfully paying my bill on time. Never late. Now I can not hardly pay any of them because my utilization and my balances are so high.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXaidvantage has been closed due to loan being cancelled by the government, but stills reports on XXXX as open not paid, but has since been removed from the other bureaus.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filling this claim in the XXXX person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

Names : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on ( Date ) and noticed some things XXXX incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized hard inquiries on my report on or around XX/XX/2023 which I did not authorize.
Product: Debt collection

Vello Law O ffices are suing me for a   XXXX   Bill fro m 2011. I  do not have my receipts from that far back. So I disputed this debt, unti l Vello Law  could send me proper billings from this  XXXX   XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info.  Vello Law  stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS  XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law  will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named  XXXX  who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!
Product: Debt collection

Midland Credit Management , LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Midland Credit Management, Im reaching out because I need some clarification on an account youve reported on my credit. Specifically, Id like to know : 1. The Date of First Delinquency ( DOFD ) 2. The Date of Last Payment 3. The Date of Charge-Off ( if it applies ) Just so were on the same page, this isnt a request for validation or verification of the account. Im simply asking for this information so I can know.

If theres anything you need from me to look this up, let me know. Otherwise, Id appreciate it if you could send your response to the address at the top of this letter.

Thanks for handling thisI look forward to hearing from you. 

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

I checked my XXXX account and seen that XXXX XXXX   and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.
Product: Debt collection

XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX, unauthorized charges appeared on my Citi COSTCO Visa card. The description of these unauthorized charges always begins with XXXX. I am a XXXX user, but have never set up a XXXX XXXX account. Citi said they could not identify the source of the charges, but credited my account for some of them and issued me a new card. 

There were no unrecognized charges on the new card until starting XX/XX/XXXX when a monthly recurring charge started appearing with the description XXXX *XXXX XXXX CA. Citi again issued a new card, credited some of the charges, but said they could not identify the source of the charges. I also filed a report with XXXX ; they acknowledged that I didn't have the credit card number on file in my XXXX account, but they said they could find no evidence of fraud. 

In the last two months, I've twice requested a replacement card on my own ; most recently was on XX/XX/XXXX after a couple beginning of the month recurring charges had processed. There was no XXXX *XXXX charge on XX/XX/XXXX. However, on XX/XX/XXXX I received a notice that my monthly XXXX subscription charge did not go through and I updated my XXXX account billing information to the new credit card. While online, I also updated my XXXX donation account and my XXXX software subscription to the new credit card. Also on XX/XX/XXXX, I picked up a XXXX prescription and had them update my auto-pay to the new credit card. Then, on XX/XX/XXXX, an unrecognized charge cleared with the description XXXX XXXX XXXX. 

I've attached a complete listing of the unrecognized XXXX charges and the credits Citi has provided.
Product: Debt collection

The account was sent to collections without any prior notice of the total amount of the debt. It was placed in collections XX/XX/2019. It was sent to XXXX XXXX   and i never signed any agreement to pay this febt i was never notified of. I disputed the collections and was never sent any documents of the first notification or of any notifications stating i owed this debt to the orignal creditor or of the collection agency.
Product: Debt collection

ITS ON MY CREDIT REPORT AND I CANT DO THE HOMEONWER PROGRAM
Product: Money transfer, virtual currency, or money service

Dear Sir/Madame, At XXXX of XXXX I sent a payment in XXXX dollars from my account in XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) via the Bank of New York Mellon XXXX It was a payment for buying a car XXXX XXXX XXXX 
Amount : USD XXXX Transaction Reference Number : XXXX This payment was not received by the payment receiver. 
Please, let me know how I can get back my money or deliver money to the receiver. 
Thanks in advance. 
Best regards. 
XXXX
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo. The terms of the loan dictate that if I make payments in excess of the amount due, it rolls into the next payment unless I ask for it to be put towards principal. Once you are 3 months ahead on payments, the excess auto applies to principal. 

I have been making a little over {$30.00} more a month each month on my loan. This month, I looked at my statement and it said I was {$14.00} over due, even though my next payment isnt due until XXXX. 

When I called, I was informed that once you pay 90 % towards the next months payment, your due date is moved to that next month and the 10 % that isnt paid is marked overdue. 

This makes absolutely XXXX sense. How can a person have an overdue amount on their account and be ahead on their payments? I am concerned how this is reported to credit bureaus. 

In particular, this is incredibly misleading and inaccurate and penalizes customers for being ahead on payments.
Product: Credit card

My identity was stolen and used to open multiple accounts including one at XXXX also known as ALIGNED COMPANY. I notified XXXX of the identity theft multiple times and requested removal / block from my credit report. Although they have updated the account to show closed / paid, negative entries from past missed payments still appear, which affects my credit score.