23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I logged into XXXX XXXX  and saw a new account reported under my name for XXXX XXXX for the amount of {$310.00}. The account was initially opened in XX/XX/XXXX. There is no way this account is mine because I live with my parent for the past 3 years. I haven't signed my name over to anyone to open an account for XXXX XXXX. I suspect this is fraud under my name. I have lost my social security card a few years back but made due with a copy I have. I think someone has stolen my identity.
Product: Checking or savings account

We had a charge on our account for contractual services that were never received according to the signed contractual obligation. The change has been disputed multiple times through Wells Fargo. Instead of investigating, Wells Fargo chooses to close the dispute without notice or comment. Wells Fargo refuses to investigate and does not protect their customer/consumer.
Product: Credit card or prepaid card

The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2500.00}, a balance updated XX/XX/XXXX, a credit limit of {$3000.00}, a $ 66 monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, and the highest balance of {$3100.00}, status closed, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Debt collection

I do not have a contract nor did l authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA ''
Product: Mortgage

I purchased a mobile home in 2000 from XXXX XXXX XXXX in XXXX al.i was told by the salesman that I was approved for a use office trailer for XXXX I had several option 15, 20, 30 years and so I took the higher payment so I can pay off in 20yrs and now ditech say I have 13 more years to pay ... .and my balance is still XXXX..I just need some advice on do I need to contact a lawyer, and they call everyday every hour if the day ... I don't know what to do ... .the house need repairs but can't make repairs..
Product: Mortgage

In XXXX of XXXX  I received notice that my mortgage, which was originally a XXXX XXXX XXXX, and had eventually been transferred to XXXX XXXX Management, was transferred again, to an entity called " XXXX  XXXX  '' My payments are all current, and I had seen an automatic deduction of the payment amount on XX/XX/XXXX from my checking account. I was then debited an additional ACH debit, of the same amount, on XX/XX/XXXX. 

As a result I have been charged 2x the due amount for the month and had thousands of dollars removed from my checking account despite no payment being due. 

Calling the company and asking for an agent does not work, the automated system appears to be broken. Sending messages via their online platform has lead to no response. In addition their online platform shows no record of this transaction. 

I have no prior relationship with this company and they have essentially stolen thousands of dollars from me. I am hoping they will be investigated and seriously fined, this is the kind of mistake that could cause actual physical harm to someone on a limited income.
Product: Mortgage

Escrow was analyzed XXXX/XXXX/2016, showed # XXXX shortage, which I paid ( Scan XXXX ). Received adjusted anaysis date XXXX/XXXX/16 ( Scan XXXX ). Mortgage changed in that I no longer have to pay PMI of $ XXXX/month as of XXXX, 2016. Received Escrow Disclosure requesting ANOTHER {$1500.00} payment of " Escrow Shortage '' dated XXXX/XXXX/16 ( Scan XXXX ). They have taken my winter taxes, which were {$160.00} last year, and plugged in the larger amount of my summer taxes ( which was used as summer tax amount ) of {$2000.00}. I called and explained all, requesting re-analysis, on XXXX/XXXX/16. I was told the account would be analyzed again and I would receive a letter within 21 days. Nothing has been received but my bill indicating the escrow increase of almost {$200.00} per month. The taxable value of my home has only increased by {$130.00} over last year ( Scan XXXX ). This is nothing more than robbery.
Product: Checking or savings account

On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury  Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.
Product: Mortgage

To whom it may concern, My mortgage company is Dovenmuehle. I have been trying to work with the loss mitigation department since last XXXX or XXXX so that my payments could be adjusted to avoid foreclosure. I was first on the forbearance program since XX/XX/2020 because my husband lost his job due to Covid. Around last XXXX or XXXX I got a foreclosure letter to my surprise because I thought I was still on the forbearance program. I was explained the forbearance was over and that I needed to work with loss mitigation so that they could put me in a program or adjust my payments. I was also given some type of consumer assistance phone number for assistance. I called that number and either they don't pick up or when they do they say they're going to email me a package and they don't. I always check both my inbox and junk mail every day. 

Not once was it explained to me that while I was working with loss mitigation that I needed to resume payment. I was under the impression that loss mitigation would put me in some type of program and from there I would make payments. Had I known they wanted some type of payment we would have tried to work something out. I have also requested assistance on their loansolutioncenter website. I have been trying to reach loss mitigation the past few weeks. I stay on hold for an hour until I finally leave a message. The voicemail says I will get a call back in 24-48 hours. I never ever got a call back. Today, I call and am very surprised, shocked, scared, and angry that my home is now in foreclosure when I have been trying to work with loss mitigation and no one is getting back to me!!!! I CAN NOT lose my home! PLEASE!!! I'M BEGGING! This is my children 's home. Please please please work with us. We will do anything! 

You guys can email, call, come over, anything. Please respond to me and work with me. I can not lose this house. We have nowhere else to go. We love our home. Our small children love our home. Please tell me what else you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

We received a letter from Wells Fargo ( WF ) XX/XX/XXXX that a previously issued ck was not cashed asked to call to request a new check. When we received the ck on XX/XX/XXXX, there was a notification attached stating that WF stated when our loan was considered for pymt assistance options an " error '' may have occurred. No other information was provided. Since we did not accept the check, we were sent a packet to apply for Mediation ( the only other option ). In this packet, we are supposed to explain why we do not agree with the proposed {$200.00} and provide support to show why we need to negotiate a different amount. At this time, we want WF to identify ( on paper ) what this calculation error was. We also need to know if this calculation error ( s ) affected our refinancing, since we no longer hold a mortgage with WF. 

There are more questions than answers at this time. We need to know if this is related to the settlement in XXXX of XXXX. We also may require legal representation with WF bearing that cost. We have no idea if whatever errors occurred will impact any future endeavors or if our current loan was calculated incorrectly.
Product: Credit reporting or other personal consumer reports

Attached is a copy of my identity theft report. XXXX XXXX  was opened fraudulently without my consent the creditor agreed to remove this fraudulent account. It is against consumer law for Experian to report a fraudulent account. 

Fraudulent Account on Experian XXXX XXXX  {$1100.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Product: Debt collection

Lvnv funding is attempting to collect debt however they are not registered or insured to collect debt for the state of PA.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report XX/XX/year>, and realized that my ID was stolen due to charges that I did not make. I saw an address that I have nerve lived nor been in that state. ( XXXX XXXX XXXX XXXX NJ XXXX ). Also a date of birth is not mine. 
Accounts like Zales, XXXX XXXX, XXXX. I would like to have my credit report information blocked due to fraudulent activity. They have resulted in negative reports. I do not recognize these accounts & charges and they have not been made by me. I have attached a copy of the affidavit that I filed with the FTC.
Product: Credit card

I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.
Product: Debt collection

Re : Unpaid Toll Violation ( s ) Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Toll Violation Number : XXXX Amount Due : {$230.00} I received a notice regarding unpaid toll violations for a vehicle I sold in XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I submitted a new release of liability today, XX/XX/XXXX, since the new owner has not removed my responsibilities for the vehicle.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to TARGET/TD XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TARGET/TD 's customer service representative.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally report fraudulent and inaccurate accounts that have been erroneously reported on my credit file by the major credit reporting agenciesEquifax, XXXX, and XXXX. These accounts were opened fraudulently without my knowledge or consent, and I do not recognize or have any association with them. 

I contacted the creditors associated with these accounts more than 30 days ago to request copies of all contracts, signatures, and documentation they have regarding these accounts. Despite my repeated requests via phone, email, and mail, I have received no response. The credit reporting agencies have similarly failed to take appropriate action to investigate and resolve my disputes. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Details of Fraudulent Accounts and Violations : The following accounts are fraudulent, contain discrepancies, or have been reported inaccurately without my consent : XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Collection account with balance discrepancies, open date variations, and lack of validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX XXXX Account Number : XXXX Issues : High credit amount discrepancies, conflicting open dates, and failure to validate across bureaus. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Monthly payment discrepancies, differing open dates, and lack of proper validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Balance discrepancies, varying account details, and failure to validate. 
Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in high credit amount, open dates, and last reported dates. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681g ( e ) Additional Issues : Unauthorized Credit Inquiries : Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others were unauthorized and must be removed immediately. 
Incorrect Names and Addresses : Fraudulent names such as XXXX XXXX XXXX and incorrect addresses like XXXX XXXX XXXX XXXX, MI XXXX appearing on my reports. 
Violations of Federal and State Laws : The credit bureaus have committed the following violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy in reporting.

FCRA 611 ( a ) : Failure to investigate and resolve disputes within 30 days. 
15 U.S.C. 1692g : Failure of creditors to validate debts within five days of reporting. 
Gramm-Leach-Bliley Act : Failure to safeguard consumer data. 
Michigan Compiled Laws XXXX to XXXX : Criminal identity theft violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. I
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX  on XX/XX/XXXX and traded my XXXX XXXX XXXX for a new XXXX XXXX XXXX. I completed all paperwork and left the dealership. I then recieved a call from XXXX XXXX on XX/XX/XXXX that I was behind on my lease and that I needed to bring the car into the dealership. I then advised XXXX that I had traded the vehicle on XX/XX/XXXX. They explained that there was still a balance on their end and they needed the car paid off or returned. I then proceeded to call XXXX XXXX XXXX who said that XXXX XXXX has not funded my deal and it was rejected. They told me that I would have to come in and sign new paperwork. I spoke with their assistant GM XXXX and he assured me that they would rectify the delay and also report back to the credit bureau. I was also promised that if there were any extra late charges or overages that XXXX XXXX XXXX  would cover. This is still not complete. I received another call from XXXX on XX/XX/XXXX about the payment to payoff the old lease still.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting that transunion, XXXX, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records..

I would like these 12 student loan accounts removed from my report immediately! The loans are from dept of education/aidvantage.
Product: Credit reporting or other personal consumer reports

The addresses on my credit report do not belong to me. I currently have one address only, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Any other address should be removed from my credit report. As per Equifax and XXXX, they're currently reporting old/incorrect address on my credit report which are : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/year>
Product: Prepaid card

I received an Amex XXXX XXXX in XXXX. This included an email You have received an American Express eGift Card from XXXX. I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows the balance. I was able to use the card in XXXX to order from XXXX merchant, however I have been unable since then to use the remaining balance on XXXX. I attempted a transaction on XXXX for the full remaining balance of the card ( {$81.00} ), however the transaction was declined. I then tried again XXXX more times, including for a transaction that was much less than the full face value of the card ( {$9.00} ), however these transactions were declined as well. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.