23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 ( 1 yrs, 3 mos ago ) I received a derogatory remark on my credit of {$140.00} from a XXXX XXXX passed over to stern recovery services for a debt not paid. I have full coverage insurance and have no problem having my insurance cover this bill. I never received any notice of what I owed and did not receive phone calls and was not notified that I had a due bill. This has made it extremely hard for me to build credit and get loans, get a mortgage because of the effect it has on my credit. I reached out and they did nothing about it.
Product: Mortgage

I am filing the complaint because this is the second time this has happened since XXXX. On XX/XX/year> XXXX received 3 Postal Money orders @ {$1000.00} ( {$3000.00} total ) all of which had my account # and " Apply to Principle only '' in the memo field. Instead of applying it to principle, they applied it as a payment even though I was already paid through XXXX. After telling me it would be taken care of within 5-7 days, it wasn't until XX/XX/XXXX that the correction was made. Lesson learned and I now make copies of all checks and money orders I send them. Now, fast forward to XX/XX/year> and this time it was check for {$1500.00} that was marked in the memo field " For Principle Only '', and again, I'm paid through XXXX and they applied it again as a regular payment. 
I called again and was told it would be corrected in 2 days this time. 

As far as I'm concerned this is a practice they use to increase their profitability by continuing to charge interest on money that should have been paid down. If it happened to me twice in such a short period of time, who knows how many people they are doing this to and if the people are checking their accounts and even know what's happening to them. Since XXXX I am borrowing money and aggressively paying this mortgage off just to get away from this bank.
Product: Credit reporting or other personal consumer reports

Some one at Synchrony Bank, has submitted a 1099-C form to the IRS for an account that was charged off in XXXX, they submitted it as if this same account was open again in XX/XX/XXXX, that I had no knowledge of. I do have several accounts open now with this same bank with a few credit cards. The first amount was charged off for XXXX in XXXX, and it's about to come off my credit report in XX/XX/XXXX, and when I called to speak about the new amount of XXXX that they reported to IRS on XX/XX/XXXX for the same account, the man was like oh you don't have to pay it the amount with out the interest and I told him, that this is about to fall off my credit report and that he can't charge off an account twice and that, I would be contacting the IRS and let them know what this account was charged off in XXXX. I feel as if someone is committing fraud. I don't want this XXXX to show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three credit disputes with Equifax in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 25 hard inquiries and foreclosure or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Equifax responded to my last request. The response letter was dated XX/XX/2020. Equifax stated on pages 3 and 4 the following to each inquiry, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' They stated on page 5 that the foreclosure was verified and updated. This is unlawful and clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts must have original documentation or proof on file bearing the consumer 's consent. In this case, Equifax has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are merely avoiding the verification process. These are clear violations of the FCRA. TransUnion did the right thing and promptly deleted this same foreclosure that is in question. I have attached their response letter as verification. 
I have all the dispute letters, certified mailing receipts and response letters from this company.
Product: Credit card or prepaid card

Card was lost in XXXX, I called and reported card lost. It was used ... .I called to follow up on fraud status and phone rep wanted information to " verify '' me. However, this information was account numbers from OTHER banks. 

I felt as if this was weird, why would they need my account numbers from ANOTHER bank. I felt as it was a phishing attempt. 

They said they could n't assist me without this. The call center was obviously offshore and I did n't feel secure divulging this info. 

They have my phone number ( could text codes to ), I have a phone password, or we could have used the secure messaging center through their online site. 

I hope they are handling this typre of problem without causing concern for other types of problems ... .. very unsafe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX  signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all XXXX credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other XXXX Equifax and XXXX just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports from all three credit bureaus and to my amazement I noticed many late payments on an old CLOSED account that I was NEVER late for. This same account shows PAID AS AGREED on my report just one month prior. Also, not only is this reporting as inaccurate late payments on my credit reports, but this erroneous account is showing TWICE on my report as a duplicated account on my credit report! I have attached both the inaccurate account and the duplicate that is reporting. I have also attached the same account that shows PAID AS AGREED/NEVER LATE. 
I demand that you reverse this account immediately to PAID AS AGREED as I was never late on this account. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my credit file.
Product: Mortgage

On XX/XX/2019, I had filed a CFPB Complaint ( # XXXX ) against Wells Fargo in what I felt was harassment and lies to give themselves an opportunity to deny me of any mortgage assistance. 
The original complaint was my frustration with Wells Fargo for fabricating the denial reasons for mortgage assistance. They had claimed that I never provided any documents to verify my income. This was a lie. I provided them. They did respond to this first complaint and I was put back in review as of XX/XX/XXXX. They stated that they would conclude my review in 10 days. We are now into XXXX and nothing has been resolved. They have stalled and stalled and stalled. 
On XX/XX/XXXX, they requested my lease agreements to be notarized with myself and the tenant present. I provided this to them 4 days later. On XXXX, they stated that the notary seals are not legitimate and that the notaries were not either. They insisted that I get new notary seals and that I can not use the same notary. The notaries are NOT questionable. One works for the state and the other for my Federal Credit union. How are they not legitimate? 
On XX/XX/XXXX, Wells Fargos underwriter who has been causing problems notated that he/she feels that none of my notarized documents are valid because the notary, myself and the tenant were not present. How can this underwriter make such a claim??? They were not present at the signings! This is ludicrous and again another fabrication. In order to find out why this underwriter is making such a claim and giving such a hard time, I tried to have a conference call to inquire about this. The answer I was given to this request was the underwriter has opted out because they have requested the information that is needed. 
So now, I am once again at a standstill. At this time, Wells Fargo and this underwriter are causing a diversion by coming up with another lie to distract from the real problem. My review and why they are not giving me a fair one. I want Wells Fargo to stop this game and I want this underwriter to be held accountable for the problems that I have been caused. I DID PROVIDE THE RELEVANT DOCUMENTS TO VERIFY MY INCOME AND MY NOTARIES ARE LEGITIMATE. MY TENANT, THE NOTARY AND I WERE ALL PRESENT AT SIGNING. Please help me with this. Why are they doing this to me?
Product: Credit card or prepaid card

In mid XX/XX/2019, I discovered my credit card had been compromised when there were many charges I did not recognize and many duplicate charges I did authorize. I called and disputed these transactions totaling less than $ XXXX with Bank of America. XX/XX/2019, just three business days after filing the disputes, I had many " fraud dispute reversals '' for what I disputed, but more significantly a dispute reversal in the amount of {$6500.00}. I visited my local branch to no avail and called customer service about 10 times trying to find out what this was for and how I could have it removed because clearly it was a clerical error of some kind. Everyone I spoke to at Bank of America said the same thing- " We can not connect you with the team that investigates fraud, they will contact you IF they need to but there is Nothing You can do. You just have to pay it. '' This charge stayed on my card through for two weeks causing loss of sleep and panic attacks. The charge mysteriously fell off and all that remained was the other " fraud dispute reversals '' which still alarmed me but did not surprise me with how Bank of America was handling everything else. Then XX/XX/2019 I received yet Another reversal totaling {$2300.00} which again does not reflect the total amount disputed considering the many other reversals. I have gone to two Bank of America branches and called customer service and fraud on many occasions for everyone to say the same thing : " There is nothing you can do and no one can explain where it came from, you just have to pay it. '' This is absurd!!! These " fraud dispute investigators '' clearly have no interest in researching any of the fraud or they would see it is indeed fraud. They are taking complete advantage of me and probably many other people that have no idea how to handle a situation like this! Even BOA Employees have told me to file this complaint, thank the lord I found CFPB on XXXX!
Product: Debt collection

It was brought to my attention that EOS CCA claimed an alleged debt under my social security number. I disputed the Account asking for proper verification documents. EOS CCA failed to provide me with original documents with my signature. And continue to report these inaccurate reporting 's after failing to verify identity of said accounts. Violating both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   .  On   XX/XX/XXXX  b ecause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull o n  XX/XX/XXXX  and in  XX/XX/XXXX  wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be re moved  My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on   XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again o n  XX/XX/XXXX .  Both without authorization or consent.      3. Prestige Financial Se rvices  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted o n  XX/XX/XXXX  Without authorization or consent.       5.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted o n  XX/XX/XXXX . Both without authorization or consent.
Product: Student loan

I am, currently in an active Chapter XXXX. However, MOHELA is showing that I have an upcoming payment due on XX/XX/year>. They are not abiding by the automatic stay and I am afraid they are going to charge me late fees and report me as late to the credit bureaus. Please assist. I've requested to be moved to another servicer, because I have had so many issues with their record keeping, particularly as it relates the XXXX XXXX. They need to be held legally accountable.
Product: Credit card or prepaid card

this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}
Product: Credit card

On XXXX I made a payment of {$500.00} and it was never applied to my available balance. On XXXX I made a substantial payment in the amount of {$10000.00} via phone with a supervisor and confirmed the funds would be available immediately for use. The {$10000.00} was available via immediate use, but I was unable to use it because I found out that the {$500.00} had not been applied yet and was being held by CITI. I immediately called and asked to please release the {$500.00} from two weeks prior and they said they could not. A supervisor named XXXX XXXX ID # XXXX out of XXXX XXXX appeared to be assisting and said he called XXXX bank on the other end to verify that it had clear3ed my bank but that he was unable to XXXX way the call. I explained thrice it had cleared my bank on XXXX. He said not to worry that it was already automatically set to clear on XXXX. I explained to him I could NOT wait I needed the funds immediately and that the only reason I paid the $ XXXX was because I did not have my debit card and desperately needed to pay for material for repairs. I was currently and still am under a deferral with CITI bank through XX/XX/XXXX. They are also requesting payments and threatening me to be late. This was not to occur. 

I was NEVER able to use the {$10000.00} because when the {$500.00} was finally released they simultaneously reduced my credit limit from {$18000.00} to {$9100.00}! They completely took the $ XXXX I desperately needed for repairs! I truly suspect that the account manager XXXX had something to do with this because credit reviews and limit changes usually take place at the end or beginning of a new statement cycle and this just happened together with my payment and in the middle of the statement. This has never happened to me in 10 years and I have made chunks of payments here and there. I can not believe they did this during a hardship 60 days either. 

I called within XXXX hours of XXXX ask them to please cancel the payment and refund it. They said there would be an investigation and would take XXXX business days. On the XXXX business day XXXX I called and asked why I have not been refunded they said a letter was sent to me and that I had to respond. The letter asked if I still wanted a refund although doing so would result in me being over my credit limit. I said YES I desperately need the money for repairs. They said it would then take another XXXX business days and another investigation! It is now XXXX 6 days later and still not a refund. They said it would be refunded back to the original card. 

Please note I was promised multiple times my complaints were noted and never were.
Product: Credit reporting or other personal consumer reports

Accounts XXXX  XXXX AC : XXXX XXXX  AC : XXXX / XXXX Dispute for Reversing Late Payment - Reference to 15 U.S. Code 1666b Report containing information slowly as two transactions or experience is between the consumer and the person making the report.

Dear credit bureau.

I am writing to dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, I believe this entry was reported inaccurately and does not reflect the true status of my account.

It has come to my attention that the above-mentioned account is still being reported on my credit report, despite being closed. According to Section 15 USC 1681i ( 5 ) of the FCRA, it is impermissible for the credit bureau to report information that is outdated, inaccurate, or can not be verified. Given the closure of the account, it should not be appearing on my credit report, as it misrepresents my current credit status. 
I request that you investigate this matter promptly and take the following actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent multiple letters to these companies involving following accounts 1.-XXXX XXXX  XXXX {$800.00} Acount # XXXX 2-XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX 3-XXXX {$0.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # 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 1681s-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 the information is inaccurate