23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a mortgage account with XXXX XXXX XXXX XX/XX/18 and my payments were {$560.00} a month. Roughly six months later my payment increased due to a change in my escrow account. I wasnt made aware and continued to pay {$560.00}. I finally was made aware by the bank teller at the XXXX XXXX XXXX, who had minimal information and advised, she would have the mortgage department contact me. The mortgage department advised my escrow account when up and advised, a letter was sent out, which I advised I never received. Later to find out the back kept my old address on file which is a property that caught fire which is the reason I was purchasing a new house. Several months later I noticed that XXXX was reporting 60-90 days late on my credit report. I made several calls to the bank and was told that the accountant department handles this and there is nothing that they can do about. Finally, I went in a spoke with XXXX XXXX in the mortgage department. She advised, she seen I had never been late, but payments were being applied to my mortgage account because it went up from {$560.00} to {$760.00}. I advised her after I was advised the payment went up, I started to pay the correct amount. Still never late but it was recorded as a partial payment because I hadnt realized that it had changed. XXXX replied, yea I see youd never been late, and the notice went out to XXXX XXXX XXXX which is your old address. It shouldnt be reported as late on your credit report. I will speak with my manager XXXX tomorrow and she will contact the accounting department to have this change made on your credit report. The following day I received a call from XXXX stating, per my branch manager there is nothing she can do. There was a late payment in XXXX. We can escalate your request to the bank president. Long story short, I havent heard anything yet. They havent even updated my address correctly, not to mention update my credit report. Keep in mind this is the only account reporting as late on my report and ha damaged my credit report with incorrect information. I have never in my life had such a horrible experience with a credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00}
Product: Debt collection

I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD IN THE CHIME/XXXX  BANK NA INTITUTION WITH CHARGES.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I submitted a claim to Cash App ( Block , Inc. ) requesting a refund of {$1500.00} after being scammed while using their platform. I paid for a service that was never provided, and upon attempting to contact the merchant for a refund, I received no response. The merchant subsequently blocked me from further communication, prompting me to file a claim with Cash App, as the transaction occurred through their platform. I provided Cash App with supporting evidence ; however, my claim was denied the following business day. I resubmitted the claim, but it was denied once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige financial has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to Prestiges financial they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.
Product: Mortgage

As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.
Product: Prepaid card

In XX/XX/XXXX Bank of America Bank of America froze my card and put me in the fraud department and at the same time was told to keep certifying for benefits there's no holds or any thing like that with the EDD but from XX/XX/XXXX till XX/XX/XXXX all my certifications were paid through the EDD but the bank say they have no record of it and they keep sending me to EDD EDD says it's paid I need to go to the bank but they're refusing to give me my bfenifits.They are garnishing my wages they owe me roughly around XXXX they had made us homeless going on homelessness almost XXXX and XXXXXXXX XXXX years since this happened 3 years now and my daughter was removed they tried to terminate our rights as parents and the bank just keeps doing the same thing. They keep denying my claims and they're well aware that I didn't have access to the card. They sent me a compensation letter of {$780.00} telling me that they're aware that I didn't have access to my card and that's for any hardships I may have had and I can request more money. I have copies from the EDD showing all benefits were paid.The IRS says I made {$23.00}, XXXX but yet I've only received around {$7000.00} so we're trying to locate the rest .It 's been a real burden on us it's taking a tool on our health and my wife and my daughter I don't know what else to do I have a right as a citizen to collect any money from the EDD and that the government gave. Bank of America put me with the fraud when I first filed an initial claim and ever since then they froze my account and been taking all the funds that were supposed to be put on there what can I do to get it back thank you I still residing in a XXXX XXXX and I feel that they should compensate for denying my claims and garnishing my wages and freezing up my card when they gave me my card that I was told the money would be there but the money was not what can I do
Product: Vehicle loan or lease

I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest
Product: Debt collection

XXXX contacted me to upgrade my phone inn XXXX. I went to a corporate store and traded in my phone, they provided a number for the special department to call for a larger trade in credit because I was trading in a premium level product. I never received the credit of over {$400.00} and in XXXX I canceled my service with XXXX. Ive contacted them numberous times about my credit and keep getting transferred to their special department, then when dealing with the department they let me know they need to call me back. I never receive a call back and start the process all over. Now Im sent to afni collections and the rep was XXXX and keeps repeating the same information. This is illegal in my eyes that I can receive my and get this account closed. I have good credit, pay my bills on time and havent had collection issues in the past. I need this to be addressed as Im trying to buy a house.
Product: Vehicle loan or lease

I'm being charged a 29 % interest on a loan that I couldn't continue to pay because the interest was too high. I ended up getting the vehicle repossed because I couldn't afford the interest. I have called for the original contact and validation of debt multiple times and they don't send it out.
Product: Debt collection

Called original debtor they agreed account paid in full therefore the a collection account would be removed from XXXX and XXXX which has not happened as of today. I also have a letter stating paid to delete.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, my PayPal account got permanently limited for unknown reasons and I was asked to wait 180 days before I could access my money, it was a bit frustrating for me but I decided to wait, 180 days is complete and they still giving me excuses about my money, please I really need assistance. I have tried to contact them via customer service countless times but all to no avail.
Product: Debt collection

When moving out of XXXX XXXX XXXX, my partner and I both gave our phone numbers, email addresses, and new residential address to be contacted at under the understanding that we would receive a notice in the mail of what, if anything, we owed the apartments for damages and were to pay in full in two weeks upon receipt. We never received a letter, phone call, or email, and instead the debt went straight to debt collection and we don't know what, or why, they're asking us to pay, and we were never given notice or time to pay within the agreed time frame, promised in writing.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Amount Deducted from account {$75000.00} USD Transfer Fees {$45.00} USD Other Fees* {$30.00} USD Total to Recipient {$75000.00} USD in international account. 
There is no currency conversion as transfer was USD to USD The " other fees '' of {$30.00} is not expected nor informed. Is being added at time of transfer.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I spoke with a representative from Chase Auto Finance and she offered me a deferment for the month of XXXX because my business fell upon hard times. We made an agreement to push my monthly payments from the XXXX of XXXX to the end of the loan. I 've requested Chase auto finance to review the phone call from the date of XXXX XXXX, and they submitted a request, and I requested the company to give me a call three times following the review, and I have n't heard anything back from them since. I 've already disputed the payment history with all 3 credit bureaus and have yet to get this issue resolved. On XXXX XXXX I went into the branch in XXXX Florida, at XXXX XXXX XXXX, XXXX XXXX, and made a payment of {$1000.00} dollars, and my monthly payment is only {$950.00} dollars. According to my contract my payment is not deemed late until after 30 calendar days. My payment due date was on XXXX XXXX, XXXX, and I made cash payment on XXXX XXXX, XXXX which was on the 30th calendar day. Which means credit report should n't have been reported late. If the company has moved my payment date to the end of the loan, my credit report should not have been reported late for the Month of XXXX and XXXX. This matter dropped my credit score significantly by more than 100 points and i would like this matter resolved, as it is my right as a citizen. I also made a payment of {$600.00} dollars on XXXX XXXX XXXX, and the law states that if a company receives a payment for the month of XXXX, XXXX within 30 days, the company Chase Auto Finance, can not report the payment late. I am asking that please change my credit report to be reflected immediately. 
My social security number is XXXX. My address is XXXX XXXX XXXX XXXX, XXXX fl, XXXX. My name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX 's, I have been a Truist customer since XX/XX/year> and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. Truist is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies. I have one late payment on Truist credit card account number XXXX, from XX/XX/year>. I have since then not had a single missed payment on any of my Truist account in the past year. 

Because of my otherwise good payment history over my year as a Truist customer, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, my accounts and cards were compromised so l had to frantically cancel all my cards and linked accounts and never remembered to manually set up auto pay. I was still under the assumption it was being taken out of my account from the routing or checking and not the actual card itself once l was notified l immediately fixed the error and brought my account to good standing. I say that not to justify why the payment was late, but rather to say that the late payments are not a good indicator of my actual historical credit worthiness due to the pandemic. I hope that Truist is willing to work with me on erasing these marks from my credit reports. 

I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer so far and Truist being the first to provide me lines of credit is something I will always be grateful for. 

Learning to manage credit properly has been a core part of adulthood for me and I was relieved and happy to be able to rescue both of my accounts with Truist. I hope to continue a long relationship with this company. Truist has been exceptional, generous, and compassionate in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again why Truist is heads above the rest. I look forward to your reply. 

I may be reached via email at XXXX or by phone at XXXX
Product: Debt collection

I am oblivious to this balance on my credit report, it must be another person 's information merged with mine. I wrote the collection department a formal letter on XX/XX/2022 in regard to this matter but have not received a response.
Product: Debt collection

I lost my wallet back in XX/XX/year>. This can be confirmed through text messages I have. I've tried disputing a fraudulent collection account on my credit report. I've sent letters to the agency and have gotten little response.
Product: Debt collection

American Express called my family members, my minor children, my childs boyfriend, my husbands work associates repeatedly over and over until they each answered and told them all that I wrote them a hot check for {$9000.00}. Which is not true. My husband discussed paying them to settle, but became cautious when they wouldnt email us or send us a letter regarding the settlement. When my sister told this representative that this was very unprofessional, he kept repeating himself to try to make her understand that we write hot checks. I dont know who all they called and I dont know how they got their numbers. We never gave them our minor kids phone numbers and obviously my daughters boyfriends number nor my husbands new business associates. I cant imagine sharing my personal info and harassing innocent people being legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These unauthorized inquiries needs to be removed immediately.