23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent an affidavit to all XXXX  credit bureaus certified mail to update all of my personal information that is reporting inaccurate. old address phone numbers and emails, I was very specific about what personal information should be listed on my report.
Product: Mortgage

I purchased a house in an area that has a Special Assessment ( XXXX XXXX ). My mortgage company, GotMortgage, is aware of the XXXX XXXX, because its stated on the Preliminary Title Report. On XX/XX/XXXX, I signed a Closing Disclosure with GotMortgage, that included my principal & interest and escrow of {$4200.00}. When I went to closing on XX/XX/XXXX my principal & interest and escrow was {$3600.00}. GotMortgage sold my loan to XXXX XXXX, and this year when XXXX conducted an analysis of my taxes I am short {$16000.00} for my escrow. Which makes my new payment at {$5600.00}. The reason I am short XXXX is because when I went to closing the Taxes and XXXX XXXX was changed and not enough money was collected for my escrow account. 
I have contacted GotMortgage to get an explanation to why this happened and I have been told " XXXX XXXX was not collected and they ( GotMortgage ) don't know why my documents were different at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that an old account ( XXXX XXXX XXXX ) has been removed and put back on my credit report numerous of times.
Product: Debt collection

I disputed and account that was sent to COLUMBIA DEBT RECOVERY LLC XXXX XXXX account # XXXX in the amount of {$12000.00} for an apartment complex I never lived in and I have already sent them my lease during the same time as the apartment complex that reported my account to the collection agency. The name of the company that reported my account was XXXX XXXX and I have never been associated with these apartments
Product: Credit reporting or other personal consumer reports

I had several personal loans with XXXX that all went to collections at once. In the span of less than 2 weeks about a year later, I paid off every single one. 1 was done on a particular date ( Loan ID XXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other 6 were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). I have disputed this so many times with XXXX ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact XXXX, they say that THEY confirm the balances are all paid. When I contact the collection agency they used, TrueAccord, they say they see my payments as all being made but that the report has to cone from XXXX to XXXX to confirm it. And then XXXX again still says it remains. This has now been paid off for nearly 3 years but still shows as me owing a balance while all the other accounts show as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
Product: Checking or savings account

XXXX About XXXX Dollars. They closed my account for reasons
Product: Payday loan, title loan, or personal loan

I paid off the loan, but they were very rude, and they charged me three extra days. I wanted to pay off my loan on Friday XX/XX/2018. And I offered to use my debit/credit bank card, and they refused. I even asked to speak with the supervisor, and he refused. He charged me Saturday, Sunday, and Monday because Banks do not process checks on those days. Other loan companies, gave me my pay off amount for that same day, and they would advise me " the amount would be taken out of your account in two to three days ''. But this Lending Club refused to do that. He said payments have to be confirmed with the bank, I told the supervisor. I am paying off the loan, it is not a payment. The other workers were laughing because I know they also refused to give me the amount for the same day. {$30.00} or {$40.00} dollars it's a difference. But I offered to pay with my debit card, with my name on it coming from the same checking account number they had/have in file. Very unprofessional people, they were unwilling to work and first they said Tuesday XX/XX/18 then they changed it to XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They DO NOT have my permission to report these LATE payments to XXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXX XXXX and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX, XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX, I called the loan servicing company ( XXXX XXXX ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgage Billing Statement ( attached ) dated XXXX/XXXX/XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreement XXXX on XXXX XXXX, XXXX and it was not completed until XXXX XXXX I received the executed copy of the Modification in XXXX XXXX, which was dated XXXX/XXXX/XXXX, which is obviously incorrect. ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender ( XXXX XXXX XXXX ) and XXXX when they were due since XXXX XXXX, XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX/XXXX/XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX. All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!
Product: Bank account or service

I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.
Product: Debt collection

The account is fraudulent this account and theyre trying to collect for is not mine I did not open it I have no knowledge of this somebody stole my identity and open the account I have no knowledge of this Im alerting the proper authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan was taken out in XXXX with me assigned as Guarantor without my permission. Per my research, it was discharged in XXXX. In XXXX, far beyond the statute of limitations, Navient assigned the loan to my name and social security number and threatened and harassed me several times a day that they would damage my credit- which they did. All of the while, never contacting me about the massive class action lawsuit they were in.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been trying to fix this issue since last year. fraudulent charges were maid to my sears account several months ago I have call them numerous times even got a letter in the mail which I still have about the charges being removed but I'm still getting this messages about it. I even when on to cancel the credit card so no more charges would be made. Now I don't know what else to do since sears credit card is not fixing this issue.
Product: Debt collection

In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.
Product: Checking or savings account

On XXXX, XXXX I received my XXXX XXXX to my Money Lion XXXX XXXX  account in the amount of {$520.00}. On XX/XX/XXXX, I lost my phone and then shortly after was XXXX .These funds were debited on XX/XX/XXXX and I was currently XXXX at the time this unauthorized transaction to an unknown XXXX XXXX occurred. When I got out on XX/XX/XXXX, I opened my mail and had a letter from the IRS stating that my funds were deposited to that account. I get on my XXXX XXXX online banking and see they were there but were gone. I instantly filled out the written dispute form and submitted it to Money Lion at XXXX on XX/XX/21. So after 10 days goes by and Im due for my provisional credit on XX/XX/21, I called into Money Lion and during the call/calls I was lied to and hung up on by a XXXX, I was told that they are still waiting on a update from the dispute department and they would escalate my issue. I receive an email on XXXX from a customer advocacy XXXX at Money Lion stating that they are actually closing my account and Im no longer eligible for one. So they violated XXXX XXXX and didnt provide me the credit they are federally required to do if they couldnt complete their investigation. And on top of that because I proved a XXXX  wrong saying that a provisional credit isnt mandatory, when it is in the circumstances. They closed my account and now Im out of my money. I want my money returned. Any time someone disputes anything with them its a headache receiving your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XXXX of 2015. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XXXX XXXX, XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
Product: Debt collection

I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

FIRST XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance
Product: Checking or savings account

There were some charges in my XXXX over XXXX $ I put my claim XXXX  times and it was denied. 
Called the back and they said that there is nothing they can do!! We didnt make those charges. We had to ask for money, the back left the XXXX in XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an XXXX dispute letters to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

proper investigation into a dispute I submitted concerning inaccuracies on my credit report. 
On XX/XX/year>, I filed a dispute with Equifax regarding [ specific issue, e.g., an account that does not belong to me, an incorrect balance, or another error ]. I provided detailed documentation to support my claim, including [ list the documents provided, e.g., bank statements, letters from creditors, or proof of payment ]. Despite this, Equifax failed to thoroughly investigate my dispute and continued to report the inaccurate information on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : 1. Conduct a reasonable investigation of all disputes. 
XXXX. Notify the data furnisher and provide them with all relevant information I supplied. 
XXXX. Correct or delete inaccurate, incomplete, or unverifiable information within the statutory time frame. 
Based on my interactions and the outcome of my dispute, it appears that Equifax did not meet these legal obligations. The inaccurate information remains on my credit report, causing harm to my creditworthiness and financial reputation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure Equifax complies with their legal responsibilities. Enclosed, I have included copies of : My original dispute letter and supporting documents. 
Correspondence with Equifax. 
A copy of my updated credit report showing the unresolved inaccuracy. 
This situation has caused significant distress, and I seek your assistance in ensuring my dispute is properly investigated and resolved. and that you delete the accounts off of my credit report. 
Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/year> Bought boat from XXXX auction. Boat was supposed to be delivered XX/XX/year>. Boat was never delivered. 
{$22000.00} was wired to BOA, XXXX XXXX XXXX from my credit Union, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
Neither XXXX nor BOA referred me to their fraud department. BOA representative told XXXX representative, XXXX that you probably lost that money and would not give any information. 
I kept trying to call BOA on my own but could not get thru to them until Friday. I did get in touch with the fraud department which told me to have XXXX send fraud report across the XXXX line then they could open an investigation. I feel like both banks have slow walked this and would rather you go way. I think that one or the other should refund the wired money that was taking fraudulently. Also being less than helpful does not help any.
Product: Checking or savings account

On XXXX XXXX, 2017 I contacted Bank of America regarding debit card fraud on my account. My debit card and licenses were both lost and found or blantely stolen. The thefts were able to deposit three checks, one worth {$1000.00}, {$360.00}, and {$330.00}. Before this i only had {$620.00} in my account originally, the users withdrew all of what they deposited plus my {$620.00}. I contacted XXXX when i realized the activity on my account and reported fraud and for them to turn my card off immediately. They basically told me they could refund me about {$76.00} the following day for the minor chargers however for the larger charges It would take them some time to investigate so on so forth. They also told me they were sending me a new card. The following day they did credit {$76.00} into my account like promised. On Monday XXXX XXXX, my friend transferred {$490.00} into my account. I checked my online banking account and saw my account was in the negatives by {$390.00}. I contacted XXXX immediately to see what the issue was considering i dont have a card and I havent written any checks nor touched my account so I was confused. They essentially told me that those chargers were covering the fraud checks that were deposited into my account although I filed a claim against those on Friday in addition to whoever was handling my claim then, told me that the checks didnt even clear into my account and It would just take a few business days for them to refund my {$620.00}. Today they told me It would take 60 days and now my account stands at - {$1300.00} for checks that i did not write or authorize.
Product: Credit reporting

This account is reporting on my Equifax account, it simply says medical no company or account name attached.
Product: Checking or savings account

When I went to Wells Fargo to access my savings account and safe deposit box, I was told that my safe deposit box had late fees and my savings account ( which the money for the fees of the safe deposit box was suppose to come out of ) had been declared unclaimed property. Not only was my money gone but my safe deposit box had not been paid for, so it had late fees. When I set up this system, the banker knew what my intentions were and didnt say anything about needing to make further transactions on the savings account beyond the automatic payments for the safe deposit box or be at risk of my account being considered abandoned. 

I have been into my local branch and have been working on this since XXXX. I have received no communication from Wells Fargo since XXXX. I have an inquiry number XXXX, but have not received any communication about it.