23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have an account on my credit report 10 years old. the company stated there was some activity on the account in XXXX. They keep trying to say account is unpaid and they sent me a letter in XXXX stating it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

this case is about american express their are sending to collection agency because somebody treat me badly changing story each and every day so they an fun of me
Product: Credit reporting or other personal consumer reports

Ed financial refuses to update my credit report across the 3 agencies. I provided several bank records showing my payments were never late and they refuse to accept them. Its unethical and I want my account updated. I want the late payments removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 


Equifax Account name XXXX  XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX  - XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY WERE CLOSING BOTH OF MY CREDIT CARD ACCOUNTS DUE TO HIGH BALANCES. THEY EXPLAINED THAT THROUGH A THIRD PARTY THEY WERE ABLE TO ACCESS MY CREDIT REPORT AND NOTICED THAT I HAD HIGH BALANCES AND OR LOANS. THIS IS DISCRIMINATION, FIRST OF ALL I DID NOT AUTHORIZE THEM TO DUE A REVIEW OF MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM TO CLOSE ANY OF MY ACCOUNTS.
Product: Mortgage

I received a surplus check from my escrow account on XX/XX/XXXX for the sale of my home from my then mortgage company, Ditech Financial ( which is attached ). Unfortunately, Ditech addressed the check to both myself and my deceased husband, so along with moving it wasn't until the following summer ( XXXX ) when I came across the check and tried to cash it at my new bank. I was told I could not deposit it since my deceased husband 's name was listed, and called Ditech on XX/XX/XXXX. I was told that a new check would be re-issued in my name only and to allow 10 business days to receive it. However I never received it and called again in XXXX only to find that Ditech had gone bankrupt. My daughter and I have spent many hours calling different companies and assistance bureaus to try and find a way to track down this money as it is not an insignificant amount ( {$2600.00} ) but to avail. Most recently I contacted the XXXX XXXX XXXX XXXX and spoke with Ms. XXXX XXXX who had reached out to XXXX   on our behalf as they had acquired existing mortgage accounts. But given that when Ditech went out of business I was no longer a customer, they have no record of me and this account in their system. I am very much hoping that someone at the CFPB could assist in some way, I would be forever grateful to be able to get a new check reissued. I understand that I waited some time to get on top of this but I was going through a lot with my husband passing, the move, etc and I dropped the ball. I am still holding hope that this will be resolved. Thank you very much.
Product: Consumer Loan

I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.
Product: Debt collection

I have been receiving repeated phone calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX ( Toll Free ). I couldn't figure out why they were calling me, so I eventually called them back and was able to speak with a human being about XXXX months ago. I was informed that I had an outstanding medical debt from an ambulance ride in Washington DC that occurred in XXXX. I informed them that I did not acknowledge the debt and that the debt was no longer enforceable because it was over XXXX XXXX XXXX and to stop calling me. I requested that they stop calling me and they having continued to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on forbearance with Village Capital until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted Village Capital and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.
Product: Debt collection

Subject : Material Breach of Contract - Arbitration Agreement Dear Wells Fargo, I am writing to address a serious concern regarding the material breach of contract committed by Wells Fargo Bank , N.A . ( " Wells Fargo '' ) concerning our binding arbitration agreement. 
In 2023, I engaged in arbitration with Wells Fargo pursuant to the arbitration clause included in our credit agreement. This agreement explicitly stated that any disputes would be resolved through arbitration administered by the American Arbitration Association ( AAA ) and governed by the Federal Arbitration Act. 
Despite having gone through arbitration, I have recently become aware that Wells Fargo has taken actions that contradict the terms and spirit of our arbitration agreement. These actions have caused significant harm to me, including damage to my credit score, emotional distress, and potential exposure to unfair collection practices. 
Wells Fargo 's disregard for the arbitration agreement, which we previously adhered to, and its subsequent decisions regarding my account, have directly resulted in these damages. These actions represent a material breach of the agreement we reached in arbitration. 
Moreover, I have recently encountered collection attempts related to the alleged debt that Wells Fargo had previously agreed to address in arbitration. This not only violates our arbitration agreement but also raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits entities from engaging in unfair, deceptive, or abusive practices. 
Given that this matter has already been through arbitration, Wells Fargos actions are particularly egregious. To resolve this situation, I demand the following : Wells Fargo must immediately cease all collection efforts related to the account in question and honor the binding arbitration agreement that was previously upheld. 
Wells Fargo must compensate me for the substantial damages caused by its breach of contract, including but not limited to, any legal fees incurred, emotional distress, and further harm to my credit score.

Wells Fargo must provide written confirmation within 5 days of receipt of this letter that it will honor the arbitration agreement, cease all collection efforts, and compensate me for damages. 
If I do not receive a satisfactory response within 30 days of the date of this letter, I will have no choice but to proceed with filing a claim against Wells Fargo to enforce the arbitration agreement and address this material breach of contract. This claim will seek all available remedies for the significant damages caused by Wells Fargos actions, in accordance with the arbitration clause and our prior arbitration proceedings. 
Sincerely, XXXX XXXX
Product: Debt collection

There was a 2nd ERROR resolution letter that went out on XXXX XXXX .It was assigned to XXXX XXXX Resolution Specialist Executive Mortgage Servicing Complaint and it was also sent to CEO XXXX XXXX XXXX of Bank of America.In response to our request we were given a date to receive a report which was XX/XX/2019 .We are now approaching an illegal foreclosure on XX/XX/XXXX XXXX.Part of our request deals with the Securitized Trust   XXXX XXXX Remic XXXX Trust ..The period of operation for the Remic Trust  was limited to 90 days. The investigations show it was only during that period that the loan could have been purchased by the Trust.The alleged transfer took place 4 years after the operations of the Remic Trust   closed.Delaware law says the same thing as the New York law : any act in contravention to the terms of the Trust are void.We have 2 PSA 's that say the same thing.The subject loan was already declared to be in default at the time of the Transfer.Hence the loan was not a " qualified '' loan under the terms of the PSA 's ( It also means that none of the presumptions under the UCC apply as to possession, holder or endorsement of the in which that which may have is defective as well as fraudulent .We have concrete evidence why we strongly believe the debt does not exist, the debt does not exist between us the borrower and the debt was paid in full this makes you a pretender lender. this loan was not secured i.e. that this mortgage lien was not perfected when filed.We have two investigations that show this debt has been paid and the truth of fraudulent activity In XXXX We Trust Psalm 25 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle needing to be insured did not exist, insurance company was aware of this and still proceeded to charge my account. When I did not pay, they sent it to collections. I tried to get them to update several times before but the status never changed. The credit report company TransUnion saw the 2 VINs, one showing a correct VIN from the Washington State Department of Transportation, and the other showing an incorrect VIN from XXXX XXXX ( insurance company ), verified the information as accurate, but did not change the status of the report. I do not believe they addressed the issue or reviewed it. It is harming my credit score and even though I shouldn't have to pay for this, I am tempted to because it will help my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX XXXX  loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX XXXX  that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX XXXX  or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.
Product: Mortgage

I paid off my mortgage using a payoff amount provided by the company that was good through XX/XX/XXXX. The mortgage company then went ahead and took an additional payment out of my account on XX/XX/XXXX. They then refused to even allow you to wait on hold to speak to someone and are holding on to my money. It is unacceptable to steal from someones account and have no one answering the phone on your customer service line during business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to Experian ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and XXXX ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX party any nonpublic personal information. 
These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

I have a promotional balance with Best Buy of XXXX $ that I had to pay by XX/XX/2023. I payed the promotional balance on my account on XX/XX/2023. I noticed that after that my account still had a promotional balance. Best Buy added the payment to the regular payments and not the promotional balance. I called Best Buy and they said they fixed this issue on XXXX that I wouldnt have a problem. I still was seeing a promotional balance on my online account and tried to fixed it before XX/XX/XXXX Best Buy said it was okay that they took care of it. XX/XX/XXXX came and now Best Buy is charging me XXXX interest for a promotional balance that I payed and the interst was not even supposed to be that high. I called Best Buy already talked to two supervisors one said they cant see my XXXX statement and he cant do nothing. The other supervisor said to pay XXXX $ more by XXXX and he removes it. I dont agree I just payed my promotional balance and want the interest charges removed from my account. Please fix it my credit will be affected and I will take action with the law to fix this injustice.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought this fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Through XXXX XXXX I have an XXXX, Walmart,  XXXX XXXX and XXXX XXXX store card. Around XX/XX/XXXX I noticed that I saw a " payment past due '' on the XXXX XXXX card account. I was baffled since I had set up all my credit accounts with recurring payments and minimum due. I paid the XXXX XXXX account to include the late payment which I should not have done. I went to each of my accounts on XX/XX/XXXX to ensure that all of them were enrolled in recurring payments AGAIN. Today XX/XX/XXXX I see that Walmart Store Card account was AGAIN talking about " payment past due '' and they had tacked on a late payment fee which I told them I refused to pay. They claim that they were doing me a favor by removing the late payment fee but that I had to pay the full amount due by XX/XX/XXXX to keep from getting a 2nd late payment fee. I asked them what was the amount due on XX/XX/XXXX and that was all I was going to pay them, minus the late payment fee. I believe somehow Synchrony did something behind the scene to remove the recurring payment enrollment on these cards so they could generate a late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian remove to investigate the XXXX XXXX XXXX XXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Experian is violating my consumer right by not providing any documented evidence that they did the investigation. 
Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. 

I have been disputing this issue with Experian for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Checking or savings account

Money was being taken out of my account and transferred into an unknown account
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I contacted Upgrade shortly after opening a credit card account because they were very deceptive in trying to force me to sign up for auto-pay. That was almost a month ago. I paid off the small balance immediately and have made at least 6 calls since then, demanding they close the account. Each time they say it will be few business days. The account still shows as active as of today. They simply refuse to close it and openly lie on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Around XX/XX/XXXX, I started receiving phone calls from XXXX stating that they were Compass Bank attempting to collect debt on a loan I had taken out. The loan was for XXXX $ with my family, XXXX and XXXX XXXX, being the Co-Signers with the help of XXXX XXXX, at the XXXX XXXX, FL, XXXX, Compass Bank location. I had established payments to be made from my current XXXX Checking Account toward the loan. For four months, or longer, I had made duplicate payments toward the loan in order to have it paid off faster. This put my next payment due in XX/XX/XXXX, Once I began to receive the phone calls asking for collections in XXXX I attempted to make payments with the XXXX account, without my knowledge the account had been removed from the payable accounts. In XX/XX/XXXX this continued, I had attempted to make further payments one specifically on the XX/XX/XXXX I made a regular payment from my XXXX checking account, on the XXXX per XXXX the XXXX $ posted as a payment to BBVA AUTH LOAN PAYMENT LGAE, on the XXXX BBVA issued a reversal due to NSF which is a lie, BBVA- XXXX PAYMENT REVERSAL, XXXX states this on the 1XX/XX/XXXX XXXX XXXX XXXX XXXX Original Description NSF FEE - ITEM RETURNED Additional Details ACH - BBVA AUTH LOAN PAYMENT. 

After seeing this I have looked into the duplicate payments which were sent back as having NSF per BBVA, which is inaccurate. The bank has committed now affected my credit and possibly stolen money from me and my family. I have spoken with their fraud department, specifically a supervisor named XXXX, who confirmed this was an issue by BBVA and attempted to have me speak with a customer care specialist named XXXX XXXX, I have made multiple attempts to speak with her to no success.