23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MO CHILD SUPPORT has repeatedly bounce on and off my credit report and created legal documents to make there claim of me owing them money. I been disputing child support on on my credit report since XXXX they have been reporting incorrect, in accurate information just to keep me from getting funding and to keep me from receiving my taxes, this got to be a violation of the FCRA. In XX/XX/XXXX I receive a termination of IWO ( I do have copies. ) On XX/XX/XXXX I received a past-due notice of {$9400.00}, XX/XX/XXXX child support claim I owe {$8100.00} Now keep in mind that I did not owe on XX/XX/XXXX. As of XX/XX/XXXX child support has had Equifax update my information that was use from my dispute just to fit there claim child support has created these false documents to take my funds and taxes and also my covid relief money. On XX/XX/XXXX child support took my taxes of the amount {$1600.00}. and on XX/XX/XXXX they took {$1100.00}. XX/XX/XXXX they took {$2100.00}. XX/XX/XXXX the also took {$1200.00}. This do not add up I do not owe child support And this account is causing me not to be able to get any funding for years by reporting false claims and being a bully law to keep me down.
Product: Mortgage

Hello, I 've owned a home with a friend for the past 15 years. Same lender, Wells Fargo. We went to sell the property and changed how we pay the mortgage bill. Our property manager paid the mortgage in the past. I took over payments and tried to set up auto pay on their website with my bank. The auto pay is difficult to use and did not allow me to set it up right away, it took a few days for my bank to supposedly approve the transaction. I thought it was setup but the mortgage was not paid. 
Wells Fargo called my co-owner asking for my first name. They did n't identify who they were, he said he was not XXXX and they hung up. That is the only correspondence we had from Wells Fargo. They did not send an email to either of our emails on file. They did not attempt to contact my co-owner ( they had all his information ). They reported both of us late on payment and both of our credit scores dropped XXXX points even though I paid as soon as possible. Even on their website I was unable to pay the late fee because their system wo n't allow me. I tried tonight to pay and the service is unavailable.
Product: Credit reporting or other personal consumer reports

I'm writing to confer my anxiety as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a call from XXXX that a loan app was submitted today for a government program for self employed persons affected by Covid issues. I did not apply for it & I want my ID protected. I phoned the agency & told them that I didnt apply for this loan & to delete the application. 

I appreciate your help in this urgent issue.
Product: Debt collection

I have a student loan with American education services. My loan is past due 19 days. I have a payment set up to pay my past due balance on the loan dated 3 days from now. I am the only one that pays on the loan every month. American education calls and HARASSES my co-signer, which is my elderly grandmother. Its one thing to call and let my co signer know that my loan is past due. But they don't provide any account information such as pending payment, account activity, etc. And she has every right to know that information, especially since they are attempting to contact her. They've tried to force my grandmother to pay the balance and enroll in direct debit. This are already things i've done. I talked to a manager XXXX about AES process for a past due account. AES refused to call my grandmother and let her know that there is a payment set up on the account and the main borrower has signed up for direct debit. Its one thing to inform my reference about the past due account but AES constantly calls and agents don't take the time to read any particulars about the account because they call and demand payment as if my loans are severely past due or as if I've defaulted on my loans. I have multiple loan services and AES is the only one that operates in this manner. Management tells me its there process to keep calling and talk to my grandmother the way that they do.
Product: Money transfer, virtual currency, or money service

Accounts wont link between PNC and XXXX. I have XXXX in XXXX that I need, and Pnc wont let me save either
Product: Mortgage

called Amerihome last month XXXX and made a payment for XXXX to pay for at least the mortgage. They sent me a check back and reported to the credit bureau that XXXX 30 days late. I called Amerihome Mortgage today, XX/XX/2023 and they ( customer service ) told me they couldnt do an escrow spread because I have a past due balance for XXXX and XXXX and they couldnt do anything until it was paid. Customer service sent me to a loan XXXX, I explained what was going on and his suggestion was to do some financial hardship thing where they take what I owe and tack it on the end of the loan. I really dont want to do that considering XXXX only owe the taxes once because my husband is exempt. The loan XXXX asked if I could pay both XXXX and XXXX mortgage payment, said yes I could, then they said well youre only X amount away from the full amount, is there anyway you could come up with the amount. I explained to the loan XXXX that it wasnt possible. Amerihome Mortgage offers the option to send in a written request to take off any extra payments like taxes, I wrote two separate written requests, one in XXXX and one the beginning of XXXX. The first request was denied because they said I didnt have homeowners insurance, fixed that. Then the second request was denied because I have a past due balance on the account. I expressed to them that I felt like all the systems they have in place to help me, arent helping me. 

The reason I owe back taxes is because when we were doing the paperwork and buying the house the loan XXXX at XXXX XXXX reassured us time and time again about the property taxes and we made sure they understood what we were talking about. Come to find out there was somehow a miscommunication that the loan XXXX admits he messed up on and now we owe back taxes. He was the senior loan XXXX and he admitted he made a mistake and told us theres nothing he can do. 

My husband has filed all necessary paperwork with the exemption and we were trying to get the taxes removed from our mortgage so we could pay it off in smaller chunks. When I call to talk to them its like theyre saying, Im sorry you have a financial hardship that we started, stop being poor and pay us. Because they arent willing to work with us and Ive explained we wont have property taxes ever again. The only reason this is creating a hard ship is because the payment went up almost XXXX dollars more and they refuse to give us a normal payment. 

I appreciate you contacting me and trying to resolve this issue. I am definitely able to talk over the phone about any more questions you may have. 

Amerihome Mortgage is not working with me to pay even just the mortgage payment. The letter for the returned check says as requested but it wasnt.
Product: Debt collection

Complaint against F. H. Cann & Associates Inc I have contacted the collection company F. H. Cann & Associates, Inc several times, agree to pay {$200.00} ( set up auto pay ) instead of {$1000.00} per month. I am unable to afford to pay {$1000.00} per month. I have water, electric, child expense, repair membership fee, medical bills, ... etc. I can not afford to pay {$1000.00} per month, And in fact, F.H Cann did withdraw {$200.00} per month from my bank for many years. 

Now, F.H. Cann & Associates Inc threatened me and released my debts to XXXX, XXXX, XXXX, etc., which stated that " late payment, serious delinquency '' were false allegations and false statements, and violated consumers ' privacy rights. *** I set up an automatic payment of {$200.00} per month, and this debt collection company does withdraw money from my bank every month. 

There is also FH Cann & Associates Inc. The malicious intention is not to use its company name to represent XXXX, XXXX, XXXX  ... and other credit reporting companies. They use the " education department '' name to represent XXXX, XXXX, XXXX ... company, that is ( 1 ). False statement, false accusation ( 2 ). Violation of customer privacy ( 3 ). Destroy my reputation, character and professional career and unable to get any credit cards or get loan and unable to find job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, US SM BUS ADMIN ODA, 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
Product: Debt collection

they are reporting collections. act was paid prior to collections this agency should nt have even gotten this account please have them remove this in its entirety as it was paid prior to creditor
Product: Credit card or prepaid card

Citibank XXXX XXXX Master card charged me interest for standard purchases even though I paid the full amount. I contacted Citibank customer service and they can not explain why I was charged the interest charge and refused to reverse the charge. The interest amount charged was {$56.00} on XXXX XXXX, 2021. 

My credit card was recently used fraudulently for 2 purchases in XXXX. I immediately notified Citibank fraud investigation. Citibank canceled my existing card number and issued a new card to me. However, Citibank keeps on insisting that I provide receipts for these 2 fraudulent purchases. I have made 6 separate phone calls to Citibank customer service explaining that these are fraudulent charges and I do not have any information or records of these purchases. Citibank still refuses to credit me for these 2 fraudulent charges.
Product: Checking or savings account

I have a special needs daughter who has a checking account where someone did fraudulent activity on her account writing 3 unauthorized checks totaling XXXX. She gets XXXX dollar check for her XXXX per month. The bank refused to do a refund to her account even though they are federally insured. The reason for denial to the claim was due to failure to safeguard your checks.they told us we need to keep the checks in a safe deposit box. We filed a police report amd they actually have pics of the suspects, but could not find them.teller cashed the checks without properly looking at the check. Definitely not her signature at all. I belive bbt is discriminatory practices against special need people. Pls help get her funds returned to her account. She depends on her little money to help her live
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I filed disputes with the XXXX, Transunion and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, Experian and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report 3 years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Product: Mortgage

I have tried to retrieve excess escrow funds in the amount of {$5700.00} from freedom mortage I have submitted written request and have called multiple times to request it. 5 times now i have been told the money will be direct deposited into bank acount yet it has not. i recieved letter stating they recieved my request on XX/XX/XXXX. The analysis was completed on XX/XX/year> they are now past the 30 days they are required by federal law to return the funds.
Product: Checking or savings account

Started to get a series of emails at XXXX XXXX on Friday XX/XX/XXXX that a Bank of America account was being opened in my name. I did not verify my email address or anything, but it looks like the application is in process and the applicant is now updating the associate email address. 

Have tried to get in touch with Bank of America, but only placed on a series of holds and rerouting and now have to wait another hour for a call back.
Product: Credit card

Subject : Assistance Needed to Resolve Missing Check Issue XXXX Dear Consumers Protection Bureau, My name is XXXX XXXX, and I am reaching out regarding an issue with a XXXX XXXX  payment check I received for serving during the XXXX XXXX on XX/XX/year>. 

Details of the situation : I received a check for {$180.00} on XX/XX/year>, and deposited it the same day into my American Express Serve Visa account ( # XXXX XXXX XXXX XXXX ) via remote app deposit. 

On XX/XX/year>, after numerous follow-up calls, I was informed that the check had been declined by AMEX Serve XXXX XX/XX/year>, and then cashed on XX/XX/year>. 

I attempted to redeposit the check into my XXXX XXXX account, but the transaction was declined the next morning, and I was advised not to try again as it was flagged as a duplicate deposit. 


I have never successfully cashed this check, and I am unsure of its current status. It appears to have been lost in the process. I have enclosed copies of the check and the initial deposit to AMEX Serve for your reference. 

Could you please assist me in tracking down what happened to this check and resolving the issue? 

Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX
Product: Credit card or prepaid card

I believe Comenity Bank violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case Comenity revoked my credit. Shown in exhibits. 

I believe Comenity Bank is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or XXXX XXXX XXXX of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits. 

Fact, Comenity Bank did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits. 

Fact, Comenity Bank violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on 8/3/2015. I believe Comenity Bank is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits. 

Affidavit is attached in file upload so please respond quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.
Product: Debt collection

SOUTH WEST CREDIT IS FRAUDLENTLY TRYING TO COLLECT A DEBT WHICH HAS BEEN DELETED FROM MY CREDIT YEARS AGO AND THEY ARE NOT EVEN LEGALLY AUTHORISED TO COLLECT THE BEBT NIETHER REPORT TO THE CREDIT IN AN EFFORT TO DAMAGE MY CREDIT Creditor Information SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Chase Bank XXXX XXXX issue, from XX/XX/XXXX till XX/XX/XXXX. Chase has the XXXX XXXX for lost luggage per the policy XXXX XXXX. After 8 months working with Chase on the claim, they closed said there is no losXXXX XXXX XXXX for carry on but per the policy guide there is. I would like to have this claim of {$1400.00} paid by chase under the policy protections. 
Claim Number : XXXX Claim Type : XXXX XXXX XXXX Incident Date : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Prepaid card

I normally go to the bank with my debit card and withdraw {$600.00} off it only charge me XXXX dollars now every since I moved to this XXXX  area they charge me XXXX dollars I went to the bank today XX/XX/XXXX and I withdraw XXXX $ off my debit card but in the process I asked the teller what was the charge for the cash advance off my card and he said nothing. So I asked to speak to the branch manager because clearly something is not rite I have been charged XXXX XXXX XXXX dollars everytime she go upset grabbed my documents an tossed them back to me stating that I was not a bank of America account holder and she refuses my service but the teller had already completed my transaction so she had to give me my money, as I asked her why was she so upset when all I was doing was inquiring about the extra charges that was applied to my account from her store I felt very disrespected. XXXX XXXX u charged me XXXX dollars to take out XXXX $ XX/XX/XXXX u charged me XXXX dollars to take out XXXX XX/XX/XXXX XXXX u charged me XXXX dollars to take out XXXX $? XX/XX/XXXX XXXX pending from my account to bank of America?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 XXXX. Bank XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  SYNCP/JCP account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report
Product: Mortgage

I refinanced my home XX/XX/2021 using XXXX XXXX XXXX. The property taxes were paid from the closing to XXXX XXXX XXXX ( Texas ). 

My previous lender, PNC Mortgage, also paid the property taxes from my escrow account through a third party XXXX in XXXX, Texas. 

XXXX XXXX https : XXXX recorded the payment from XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX, they indicate they send the payment back to XXXX who would return to PNC escrow to return to me. I have been in contact with all three companies by telephone, email, and online multiple times to identify their process and recover the overpayment in property taxes of approximately {$8200.00}. To date, PNC Mortgage still tells me to wait- they havent received the funds. I have asked each of these companies make notes of my call and the situation. 

I would appreciate review of processes of the companies and tax office in this complaint to assist in recovery of my overpaid taxes. 

Thank you
Product: Credit reporting or other personal consumer reports

Equifax company refuse to update my credit report and remove incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards of incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...