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

In XX/XX/XXXX, I was seeking a loan from a bank, but I have not used my credit since XXXX due to a serious identity theft incident. In that year, my social security number was stolen by XXXX XXXX and XXXX XXXX, who opened multiple credit cards in my name, ultimately leading me to declare bankruptcy. Since then, I have refrained from using credit and have never checked my credit report. However, I recently discovered three charges from " XXXX 's '' on my credit report from XXXX. I have never heard of XXXX 's and did not authorize any credit card from them. I have made numerous disputes with XXXX 's, as well as with Experian, XXXX, and XXXX, explaining my situation and asserting that I am a victim of identity theft. Despite my efforts, XXXX 's insists that I must have made these purchases, citing the timing of my disputes as evidence. However, I believed my credit had not been used since XXXX, and I only became aware of these charges recently. Additionally, I informed XXXX 's that I do not live in Nevada, where the charges were made, and I provided documentation of my addresses over the past XXXX years. Unfortunately, despite my clear evidence and repeated attempts to resolve this issue, XXXX 's has sent my account to collections. I find it deeply unfair that my credit is suffering due to charges I did not incur, and I am being held responsible for credit cards I never applied for. I have invested countless hours, time, and money trying to rectify this situation, and I am determined to clear my name and restore my credit.
Product: Money transfer, virtual currency, or money service

XXXX  formerly Transferwise offers a multi-currency account as part of their services. 
After transfering funds from my wells fargo account to my multicurrency wise account they deactivated my account. I have no access to the account and they are holding my money without any explanation. No refund yet.
Product: Credit card

I had an account with Rooms To Go through Synchrony Bank for about a year, maybe longer. Without any prior notice, they first lowered my credit limit and then closed my account entirely. When I demanded an explanation, they provided inaccurate information. I asked for more details about their decision, but they claimed they didn't have to elaborate. The reasons they gave were false, and the information they provided didn't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXXXXXX XXXX proved that the account was used to service a XXXX XXXX XXXX  a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

XX/XX/2015 - present I have sent out letters after letters to the company in regards to the following amount XXXX owed. They have no liable proof that the account belongs to me and yet they continue to report false information. I have dispute the account online also with XXXX  and yet nothing.
Product: Mortgage

XX/XX/XXXX, I scheduled my mortgage payment thru the biller 's website. Not sure if there was an issue with the site, or the submission just did n't go thru, but my payment never made it to Loancare for XX/XX/XXXX payment. I looked on my browser history and could n't find any information due to my history would only go back 2 weeks. I contacted Loancare and explained that I scheduled my payment, but do not know why it did n't show up. I explained that I was currently in the process of purchasing my new home, so there was no way I would have jeopardized missing a payment and causing issues with my credit. Unfortunately, they did n't want to hear it and told me they could n't do anything and that the 30 day late notice would remain on my credit report. I just retired from the military after serving for 20 years, in the process of getting married and this was going to be our first home together. Because of the 30 day late on my credit report, it dropped my credit score by over XXXX points which has caused me not be able to close on our new home and because I just sold my previous home, I am essentially homeless and can not get approved to purchase or rent another home. The loan payment that was scheduled for XX/XX/XXXX was actually credited to the account on XXXX XXXX, but they would not post it to my principle and interest balance since I was in the process of selling my home. I paid off the entire loan balance as of XXXX XXXX, 2016, but the damage has been done and Loancare would not consider removing the 30 day late even though I know I scheduled the payment. I served 20 years in the military and could n't believe that this company would be so unaccepting of my integrity. I had no reason to miss the payment and my weekly income is sufficient enough to ensure my payments can always be made. Plus the fact that I was in the process of closing on my new home, there too was another reason as to why I would n't miss a payment.
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. 

- Account name : XXXX XXXX - Account Number : XXXX - Account name : XXXX XXXX XXXX Account Number : 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Commerce Home Mortgage has been attempting every month since XX/XX/2019 to collect on a mortgage they no longer own. Every moth its the same, we call in to dispute, they apologize recognize they have sent out a goodbye letter and say they will take care of it. Next month here comes another bill requesting all back payments through current. Clearly they are attempting to collect on a debt they do not own anymore and have been informed multiple times and acknowledged such. It is a waste of our time to sit on hold and waste our time for their dishonest/lazy behavior. I cant help but wonder how many people may have actually paid these people in error. I feel this is harassment at this point and will be seeking legal advice next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting my first complaint be reopen I'm entitled to my day in court. My attorney XXXX XXXX and Wells Fargo denied my of that right ... ..WHY?

None : Your ( CFPB ) two referrals plus other agencies ALL referred me back to you? 

Wells Fargo has never answered my question! 

WHERE IS THE MONEY? 
Where is the fraudulent money XXXX XXXX return to Wells Fargo? 


I WANT MY DAY IN COURT
Product: Money transfer, virtual currency, or money service

Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank Credit Card notified me via of unusual charges. I reviewed them and completed their online dispute form they provided. My card had been stolen and used to quickly charge over {$2000.00}. 
They closed the account and swiftly provided new cards. This is the only thing they did fast. 
XX/XX/XXXX The fraudulent charges were moved to the new card. I called and was assured by the phone rep that all would be well and it takes about 30 days to resolve. 
XX/XX/XXXX -nothing. So I called again. " XXXX '' ( Citi policy prohibits providing last names ) Says no disputed charges appear. We reviewed everything again, including each bad charge. She provided case # XXXX. She indicated that it had not been handled properly by the previous rep. She stated on a recorded line ( I asked if it was recorded and she said yes. ) that all should be handled in a few days. 
XX/XX/XXXX Citi emails me a standard template saying that due to the billing dispute my minimum payment due to be $ XXXX.I read this to mean no interest will be charged if I pay {$25.00}, but it is not clearly stated. 
XX/XX/XXXX I get a voicemail from Citi Security " XXXX '' regarding my case. I call back and another rep asks me standard questions like where was the card stolen, re-confirms the bad charges etc. Says, ok, that in a few days the charges will be removed from my account. 
XX/XX/XXXX charges remain on the account. No word from Citi. I also notice that an email I sent them on XX/XX/XXXX remains " unread '' in the Citi online message center. 

They have botched this to such a degree its just sad. They made sure I got a new card right away, but are dragging their feet to address the fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a police report as well as an ftc report to support my claims. I have requested XXXX to delete and block a Santander Consumer account as someone had used my information to get a used car. My complaint is towards XXXX credit report agency as they refuse to remove it despite my proof of being a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the continuous re-aging of an account previously held by a creditor and subsequently sold to a collection agency. This account has been inaccurately re-aged multiple times over the years, unfairly extending its reporting timeline on my credit report.

The most recent date listed on this account is XX/XX/year>. However, prior to that, the account had been re-aged each year, artificially extending the reporting period. By law, negative accounts must be removed from credit reports seven years after the original date of first delinquency. Based on the account 's original date, it should have been removed from my credit report three years ago.

I have contacted all three credit bureaus ( XXXX, Equifax, and XXXX ) multiple times, disputing this inaccurate reporting. Although the bureaus conducted investigations, they never provided a satisfactory resolution. I also directly reached out to the original creditor, but they informed me that the account was sold to a collection agency. The collection agency now continues the unlawful practice of re-aging the account.

I request the CFPBs assistance in : 1. Investigating the continuous re-aging of this account by the collection agency.

2. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of negative information beyond seven years from the original date of first delinquency.

3. Addressing the credit bureaus ' failure to provide a proper resolution to my disputes.
Product: Debt collection

My husband and I rented an apartment in  XXXX , Louisiana at  XXXX   XXXX  Apartments. Due to some critical health issues we had to move and relocate. We had a bill of {$490.00} which were n't able to pay right away. Upon checking our credit reports we notice they were reporting the {$490.00} and another unknown charge of {$750.00} to our credit reports. I contacted   XXXX   and their management company  XXXX  and spoke with their offices who confirmed they received the money I even received an email through  XXXX  from  XXXX  of the former  manager  admitting she received the  pai  balance, and I was told to contact the collection agency. I contacted the collections agency PRO COLLECT and told them I did pay the balance to  XXXX  and had the proof, the  manager  and representatives I have spoken to their have been rude and disrespectful. I explained to them I am currently ill and awaiting a  XXXX   XXXX  and I wanted to resolve the situation, I asked if there was a certain kind of documentation they needed and they responded with screaming pay the money. I have provided letters from the bank copies of check, money order slip and a printed receipt with their header confirming the apartment complex received the money. I EVEN HAVE A LETTER FROM THEIR BANK!!!!! And they still refuse to delete this negative account from my credit report. Please help me, the stress is too much.
Product: Credit reporting or other personal consumer reports

I was recently approved for a complete discharge of student loans from the U.S. Department of Education on XX/XX/scrub>XXXX
Product: Debt collection

On XX/XX/XXXX while reviewing my Credit Reports from XXXX, XXXX, and XXXX I noticed a collection account listed for an account I have no knowledge. The original creditor stated is XXXX XXXX. I have never done business with or entered any contract with XXXX XXXX. The account was reported to all three agencies on XX/XX/XXXX and continues to be reported each month by the following Collection Agency : PDQ SERVICES , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX On XX/XX/XXXX after discovering this fraudulent account I sent a letter via USPS Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/XXXX. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/XXXX I still have not received anything from this company. Therefore, I filed a dispute with all three credit reporting agencies in which PDQ Services , INC. replied to them that the account is being accurately reported. The credit reporting agencies have closed the dispute stating the same. However, if the creditor could not simply validate the debt for me the consumer, the credit reporting agencies can not state the account is being reported accurately. I want this account removed from all credit reporting agencies as it is fraud and I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was original opened by XXXX XXXX the debt is older than 7 years... Please remove from my credit report..
Product: Debt collection

I received a collection notice out of the blue on XX/XX/XXXX. The letter is from XXXX  on behalf of pinnacle credit services attempting to collect a debt for a XXXX XXXX account opened in XXXX. The letter states I owe {$1000.00}. I do not owe this amount. The account is out of the statute of limitations to collect which the letter states so I'm am not sure why this company is contacting me now.
Product: Bank account or service

Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.
Product: Debt collection

On Thursday, XX/XX/2024 my mother received a telephone call from a debt collection agency. My mom provided me the telephone number and I contacted the agency to see what it was about. Initially, I was weary of returning the call because of so many SCAMS that are out there, but I have been having some medical problems so it sounded legit. I called around XXXX XXXX and spoke with a supervisor by the name of XXXX ( unsure of the spelling of his name ). Again, I want to reiterate that this was a medical debt collection. I have been very sick and having severe XXXX which led to several hospitalizations and ER visits. My condition is worsened by emotional distress. XXXX was abusive, he was screaming at me and was harassing me to pay the bill at that moment. I explained to him that all my credit cards were maxed out and I couldn't pay at the time. I also told him that I was recently approved for XXXX due to my medical problems and my being unemployed at the moment. He kept pressuring me to give him a credit card number that he would not charge it, just hold it. But I explained I had no credit and that I was unemployed. My parents helped me to pay for the bill, but it was not my credit card so I couldn't give them the credit card information if it belonged to my parents. My mom was on the call as a three-way calling and when my mom intervened, he calmed down but he was verbally abusive and harrassed me. Aren't medical debt collection illegal? Why would a non-profit hospital refer this medical bill to collection? Don't they get grants, trust, and endowment funds in addition to government aid to help the less fortunate and the sick? The debt collector company name is : Radius Global Solutions LLC, they are located at XXXX XXXX XXXX, XXXX, MN XXXX. These companies harassing people who are sick for medical debt should be abolished. It's not like I want to get sick. I want to be healthy again but I have a life-long medical condition. Please follow up on this, listen to the call, he said that it was recorded. I need someone to investigate this ASAP because I don't want this to happen to other young people ( I am XXXX years old ) who this may happen to. Please look into this and stop these agencies from using abusive language and tactics to intimidate people who have medical debt.
Product: Mortgage

A few weeks ago I called and informed Plaza Home Mortgage Services / ( XXXX ) that I had paid the taxes and insurance for the current year and not to make those payments from the escrow account ; I also requested the termination/elimination of the escrow portion from the mortgage and that I would make the payment for the taxes and insurance from this point forward. 

A few days ago I received a letter dated XXXX XX/XX/XXXX stating, " We regret to inform you that investor requirements (? ) do not provide for removal of your escrow at this time. '' Prior to receiving this letter I had learned after I informed XXXX a few weeks ago not to make any further escrow payments, that XXXX had posted an insurance payment from this escrow. 

After I received the XXXX XX/XX/XXXX letter, I called to discuss the removal of the escrow and the fact that I had already notified XXXX not to make any of the escrow payments of which one had been posted. It appears XXXX is manipulating or mismanaging the use of the escrow portion of this mortgage account to its own benefit irregardless of my directions as one of the adjustments mentioned in a letter from XXXX suggests I should increase the amount of the payment for the next FOUR ( 4 ) years to correct a deficit when I have already informed XXXX I had paid both portions of the escrow account payment. 

( Also, earlier this year I had requested the removal of the escrow portion and received a response from XXXX in a letter dated XXXX XX/XX/XXXX that stated, " We regret to inform you that we are unable to remove the escrow because you have not yet established a 12-month payment history. '' That requirement ends this month and there were three other bullet points the third of which gives XXXX an open-ended opportunity to make adjustments to any requirements whenever they choose. I believe they should supply a copy of that letter as well. ) After numerous delays and multiple conversation with many different people during this call, all of whom picked-up the call cold and claimed to have no knowledge of my previous discussions I was finally transferred to someone in escalation (? ) who promptly ended the call, saying she felt that I was disrespecting her after XXXX had wasted a tremendous amount of my personal time with an endless loop of transferred calls to customer service representatives who did not have a clue about the nature of my inquiry and as a result nothing was resolved.