23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX has received a payoff of my mortgage. I sold my home on XX/XX/2020 and the attorney, XXXX XXXX, XXXX wired the payoff amount to XXXX. XXXX has refused to apply the funds to my account, reflect it as paid in full and issue a release. XXXX XXXX has also refused to refund the wire to the attorney after the attorney made numerous requests that the funds be applied to my account. To date, XXXX XXXX is still holding the funds ( Its servicer XXXX  ) and has not returned them or reflected a paid in full balance on my account.
Product: Debt collection

Company continues to try to send me bills for medical debt which i am onXX/XX/XXXXI provided them the XX/XX/XXXXid number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year> and XXXX since then the account has repeatedly been updated as charged off every month this is an update in the payment history a charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitation you failed to investigate this account properly after I asked you to do it twice in your Neglect has violated my rights I am demanding a deletion of the following accounts XXXX XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX
Product: Bank account or service

I opened an account with Bank of America in XXXX. I had been a faithful customer with them for 10 years and never owed them any money. I had a credit card like I said opened in or around XXXX but they offered me a 0 % APR FOR A YEAR I kept asking the terms about this but they just kept telling that I could get any loan without an APR if I did this within one year as that was as long as this offer was good for. They said nothing about additional APR % charges either. It was my XXXX time so I fell for it. Turns out that AFTER ONE YEAR the loan had to be paid off or I was charged an outrageous amount of 29 %. I could not pay them all the money back because I lost my job but kept trying to. They would in no way work with me on this and financially the loan was closed in about XXXX. That was after they took advantage of me by charging late charges etc. Now the worst part is this they are lying about when this was charged off ( XXXX ) so it will not fall off my credit report after 7 years. When I approached them they just sent it to a collection agency XXXX XXXX. Whats even worse they just put that the loan was opened or charged off in XXXX and even put that as the charge off day every year from then on!! So in other words this charged off loan keeps on my record being updated every year and probably will never fall of my record at all since it is past the 7 year deadline. I gave my information and the Bank or XXXX XXXX can remove it from the XXXX credit bureaus so myself and my children will not suffer from no loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ref XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Substantiation of Account # XXXX Dear Sir or Madam : Your firm has incorrectly listed an account in reference to a debt your firm alleged that I owe. [ In the amounts of {$1000.00} and {$1900.00} ]. 

I would like more information about this alleged debt. 

1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided, delete this debt and report to all 3 Credit Bureaus. 

Please send substantiation of the debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Checking or savings account

On XXXX XX/XX/XXXX, I made a purchase in the amount of {$31.00}. This left my account XXXX. On this same day, I had automatic payments come out in the amounts of {$40.00} and {$10.00}. According to XXXX Bank, any overdrafts which occur for less than {$5.00}, you will not be charged an overdraft fee. Not only this, XXXX has advertised a grace period to deposit a cash deposit to cover any overdrafts by midnight the following evening. I made a cash deposit in the amount of {$120.00} on Saturday morning, XX/XX/XXXX. On Monday,  XX/XX/XXXX, I was charged 3 overdraft fees in the amount of {$37.00} each for the 3 charges made on XX/XX/XXXX. After contacting XXXX twice, I was told that there is nothing they can do because my cash deposit did not post to the account until Monday the XXXX even though it was made on the XXXX.
Product: Credit card or prepaid card

I received an alert from XXXX XXXX XXXX and XXXX on XXXXXXXX XXXX,2023 that I opened a new account and it affected my credit score. I checked and saw that a credit card was issued by Fortiva without my consent. I already had retail credit with Fortiva for my XXXXXXXX XXXX for my home ( not my choice-this was the creditor I had to use when I set up XXXXXXXX XXXX for my home ). I never applied for a credit card with Fortiva. I did receive many emails offering a credit card by Fortiva but I never responded to their offers. I always ignored the emails unless it was the emails letting me know that my monthly charge for the XXXX account was being automatically deducted from my bank account. I did call Fortiva right away and then know what they did was not right and it has terribly affected my credit score. The rep knew how upset I was from letting him know that I never consented or approved them opening a major credit card. He apologized and closed the credit card account and told me to shred the card when it arrives. The Card arrived the next day on XXXX XXXX2023 so I shredded as advised. This has greatly damaged my credit score which I spent years getting to the excellent status it has been before this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : 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
Product: Credit reporting or other personal consumer reports

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile
Product: Credit reporting

XXXX accounts are reporting improperly on my TransUnion Credit Report. ( XXXX and XXXX XXXX XXXX ). I have disputed the accounts several times. TransUnion continues to come back and say that these accounts have been verified as accurate. Today I called to check the status on the accounts, only to find that after sending in written documentation detailing my disputes, TransUnion FAILED to accurately dispute the accounts. ( See attached for the official dispute letters I sent ). TransUnion processed XXXX and XXXX XXXX XXXX as if I was disputing the amounts or other details of the account. As you will see in the attached, I WAS NOT. The specific dispute is that these accounts were NOT included in the bankruptcy that the creditor and the agency is claiming. I requested to speak with a supervisor and advised the supervisor that the XXXX account was paid in full ( high balance of {$30.00} ) XX/XX/XXXX ( see attached receipt from the University confirming this. ) The bankruptcy that the credit bureau is claiming as mine was filed XX/XX/XXXX. They are saying they need more documentation when in fact there is no further documentation needed. Common sense tells you a paid debt with XXXX balance would n't be included in a Chapter XXXX bankruptcy. TransUnion insists that they verified the information and they in fact have not. 
As for the XXXX XXXX XXXX, same scenario. This account is being listed as included in a Ch XXXX Bankruptcy which occurred XX/XX/XXXX, XXXX XX/XX/XXXX. This MasterCard account was closed XX/XX/XXXX. I used the card and made my timely payments until XXXX XXXX sent me a notice that they were closing it. I disputed with them directly, however they refused to adjust this. TransUnion removed my positive pay history with this account and listed as included in a bankruptcy that occurred almost XXXX years prior to my account closure. They continue to insist that this is verified as accurate. I have asked them to request the payment history for the account so that they can see the proof that I continued to make payments. XXXX XXXX refuses to give it to me. I advised the supervisor of this and also noted the fact that TransUnion did not even dispute the account properly. I asked the supervisor would this be addressed and he insisted that because there are offices in other countries, TransUnion effectively can not stand by the quality and accuracy of their work in reporting. This is of course extremely disheartening to find that this company does not follow the law in reporting accurate information on consumers reports. Both of these accounts need to be updated immediately or removed. I have now been through XXXX cycles of disputes. It is UNFAIR and UNETHICAL to continue to take me on this roller coaster, at what point are my rights to a fair and thorough investigation upheld.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.
Product: Checking or savings account

I happened to check my chime account this evening and noticed 4 unauthorized different charges were made on my account. The transactions were made in XXXX. I live in Indiana. It was not me. the 1st transaction was one made at XXXXXXXX XXXX for {$12.00} at XXXX for stuff from a XXXX the 2nd unauthorized transaction was made at XXXX on XXXX  for stuff from a XXXX XXXX {$22.00}, the XXXX transaction was made at XXXX on doordash for more stuff from XXXX for {$31.00}, the XXXX transaction listed was made at XXXX XXXX on XXXX for stuff from a XXXX XXXX XXXX for {$29.00} all of this was done today XX/XX/year> Companies involved is Chime which is where my account is in and the other companies involved was XXXX in which unauthorized transactions were made. And where the XXXX orders were made at were XXXX XXXX  XXXX twice, and XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is about  XXXX  Synchrony Bank Accounts -  Amazon, PayPal Smart Connect, and Car Care One. I became behind with them a  year ago due to medical bills and my only source of income is  XXXX . They charged off the accounts between  XXXX  and  XXXX ,  XXXX  and they say they sold it to  XXXX   XXXX   XXXX .     In  XXXX ,  XXXX , I was able to cash out my pension as a hardship and I made a diligent effort to give all my past due bills something. I gave the entire pension amount to pay medical bills first and then other bills. I gave each of the above mentioned accounts {$750.00} each. I paid by  Bill pa y from my bank. I have proof of payment. However, they never reported the payment on my credit report and they did not send it to  XXXX   XXXX   XXXX  as they continue to bill for the full amount. They told the credit bureau that they reported correct information, but they still have not.     This is {$2200.00} altogether! That 's everything I had as there are no other assets. If they did not credit it, did not give it to  XXXX   XXXX   XXXX ., then they need to refund it! I tried to do right by them when I had nothing more to give.
Product: Mortgage

I closed on a loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. When I closed, the initial escrow payment was {$710.00}. The monthly escrow payment was {$180.00}. I have attached the closing disclosure signed at closing and the XXXX XXXX XXXX showing this. I have also attached a closing disclosure I received from XXXX XXXX XXXX on XX/XX/XXXX, which shows the same thing. 

Today, I received a letter from Newrez LLC saying my loan was transferred to them. In the letter, there is a section called " Loan Information '' which says my escrow balance is {$670.00} and my monthly escrow payment is {$180.00}. I have attached a photo of this letter. 

The loan was transferred before I even made any payments and the loan principal balance is still {$220000.00}, which is the same as what it was at closing. There should not have been any payments made out of the escrow account as the property taxes are not due for another year and there is no homeowner 's insurance required for the loan, as XXXX XXXX XXXX cleared the loan to close without any homeowner 's insurance. 

I called Newrez today and they said they have no record of any payment history on my account and they can not see why my escrow account balance decreased by {$33.00}. I would like them to add this {$33.00} back to my escrow account or send me a refund for the {$33.00} that have disappeared from my escrow account.
Product: Credit reporting or other personal consumer reports

I have been making monthly payments on my car loan at XXXX XXXXXXXX XXXX  from my checking account at XXXX XXXX for over five years. I recently paid off my loan and have a XXXX balance. At the end of my loan, XXXX XXXXXXXX XXXX reported me to all three credit bureaus that I was 30 days late for XX/XX/year>. This is not true as I timely paid my loan and was not 30 days late. I have three items that prove my payments were timely made. I submitted them to everyone involved : XXXX XXXX, XXXX XXXX and all three credit bureaus ( TransUnion, XXXX and XXXX ).
Product: Checking or savings account

On XXXX XX/XX/XXXX, my father, XXXX XXXX XXXX, died in XXXX, South Carolina. He had sole ownership of two certificates of deposit with Wells Fargo listing me as his sole payable on death ( POD ) beneficiary, Per Code of Virginia 6.2-614, any POD account may be paid. on request, to any original party to the account. Payment may be made to the POD upon presentation of to the financial institution showing that the POD payee survived all persons named as original payees. 

On XXXX. XX/XX/XXXX. I visited the Wells Fargo branch at XXXX XXXX XXXX XXXX. XXXX. Virginia XXXX. Consistent with the Code of Virginia. I presented a valid death certificate establishing the date of death. copies of the certificates of deposit listing me as the sole POD, and two valid forms of my personal identification. 

Wells Fargo denied my claim because the death certificate listed my Father 's date of birth as XXXX. XX/XX/XXXX instead of the correct date of birth XXXX XX/XX/XXXX. I stated that under the Virginia Code, I legally complied with then legal threshold to close the certificates by establishing that my father was legally deceased and that I was the rightful ; owner of the certificates as the POD beneficiary. 

Wells Fargo caused me consumer harm under the Consumer Financial Protection Act and the Code of Virginia 6.2-614 by unfairly denying my withdrawal request as the rightful owner of the funds I am asking Wells Fargo to comply with Virginia Law and address the consumer financial harm they have caused by sending the proceeds from the certificates to me.
Product: Prepaid card

Incomm dba Vanilla Gift. Issued me a {$500.00} e-gift card, but with a 10 yr expiration. None of the recipients I wanted to use these funds with would accept it, viewing that long an expiration as fraudulent. Numerous calls with their incoherent and sub-literate offshore call center and email directly with them, I asked for 1 ) A refund, which they have kept delaying for weeks with excuses or 2 ) A new card number with the usual 5 yr expiration so that I might be able to use these funds. This has been going on for weeks, see XXXX XXXX XXXX for the email conversation.
Product: Consumer Loan

I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX XXXX XXXX XXXX ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX  the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.