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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Incorrect information is being shown on my credit report about a repo. I requested a letter and it has not been given.
Product: Credit card or prepaid card

I did a balance transfer of XXXX from my XXXX XXXX XXXX  credit card to my Citi double cash credit card on XX/XX/2022. That amount was transferred to my Citi card but still reflects on my XXXX XXXXXXXX card. I have been in contact with both companies back and forth for XXXX weeks. Ultimately, the transfer was taken off a XXXX  XXXX bank card that does not belong to me. The last XXXX digits of that card are not even remotely close to mine. Citi card says its not their fault because XXXX XXXX XXXX cashed the balance transfer to them. XXXX XXXX XXXX card says its citys fault because they gave the wrong card number. I filed a dispute/investigation with citi. The only paper response I have received from them is that a dispute is open. By phone, they still advise it is XXXX XXXX XXXX fault. I filed a dispute with XXXX XXXX XXXX to which I have received no further communication. I have no idea which company needs to fix the problem but a month and half later this XXXX is still reflecting on both cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report an i do n't have accounts with none of these companies.
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( collection company ) stating they had acquired an unpaid payday loan from AdvanceAmerica. I notified XXXX XXXX XXXX that the debt had been settled in XXXX of XXXX with AdvanceAmerica and submitted a copy of a bank statement page showing the payment made to AdvanceAmerica, along with an email confirmation from AdvanceAmerica stating that the balance was paid. The collection company then submitted the information to AdvanceAmerica for review. As of XXXX the collection company has not received a response from AdvanceAmerica. 

On XX/XX/XXXX, I followed up with the collection agency and was told they were still awaiting a response from AdvanceAmerica. That same day, I called AdvanceAmerica and spoke with a representative who asked me to upload copies of the documents I had sent to the collection agency. I did just that, however, I never heard back from AdvanceAmerica. 

On XX/XX/XXXX, I once again called AdvanceAmerica and was told that the documentation I had submitted was insufficient and that they needed my entire bank statement showing all of my personal expenses. For reference, the original statement I sent them had my personal expenses and transactions blacked out since they were unrelated to the balance in question. The payment made to AdvanceAmerica, however, was NOT blacked out and could be fully verified. I was told by the supervisor at AdvanceAmerica that I would need to submit an un-redacted copy of my bank statement which shows confidential information. I let the supervisor know that the payment in question was clearly visible on the statement I submitted and there was no reason they needed to see all other personal transactions. I was told that was their policy and unless I submitted a copy of my statement showing my personal expenses, balances ( which includes savings and investment accounts ), that they would not verify the payment and ensure that my account with them was accurately updated.
Product: Credit card or prepaid card

XX/XX/21 approx XXXX I received a phone call on my cell phone from XXXX A recorded message stated that there was a questionable charge for an XXXX on my XXXX credit card and that they had put a hold on the transaction. I was to press 2 for assistance. I did and was connected to a person. I felt uncomfortable immediately so stated I had a bad connection and would call in. 
I call into the servicer of my XXXX XXXX ( XXXX ) and was told my account was fine. - no flagged activity. They suggested I contact you.
Product: Debt collection

I applied for a credit card in 2015. When I was notified of my score by that institution, I knew something was wrong with the lower score and applied for a free credit report from XXXX since this was the agency used by the financial institution. XXXX showed a past due debt of {$400.00}, originally over {$600.00}, to XXXX. My TV and internet service are with XXXX, however, I have paid them on time every month. I then called XXXX to learn more about the debt, especially since I have never received anything from them of the debt. I was informed the debt originated in XXXX IL by someone with my name and SSN but the acct number does not match mine in TN. Over the course of 8 months, I have spoken with at least XXXX XXXX personnel and faxed info to prove my identity and residence to various phone numbers only to be told they did not receive it. I even filed a police report and sent a copy of that in case this was an identity theft issue. I disputed the reporting with XXXX but got nowhere. Now the account is with Convergent Collections who wrote me a letter this month. I have responded to that letter making them aware I will not pay a debt that is not mine and gave them a history of tasks I have done to prove this. Today, I again, faxed the same/additional info to XXXX after speaking with a rep named XXXX. I feel this is an internal error with XXXX as I have monitored my credit reports and there are no ill reports on my bureau. In the time that has elapsed, if someone had stolen my identity, there would be more than a past due XXXX bill in the report. I can not get anywhere with anyone from XXXX to help with this issue. I have requested a copy of the past due debt from XXXX and Convergent and disputed the debt again with XXXX. I am XXXX yrs old and have always paid my debts on time. My credit score has always been excellent. I do not deserve to have to deal with problems such as this. These huge companies should not be able to ruin peoples lives. If XXXX has a debt I owe, they should be willing to produce a bill or notice of proof. Please help.
Product: Debt collection

Collector calls repeatedly through out the day even after stating to no longer call. 
In response the collector just states that they will just keep calling. 
Which in return is harassment.
Product: Mortgage

On XX/XX/2020 I applied for a loan modification as the payments have become onerous for my wife and I. Today ( XX/XX/2020 ) I was offered a modification. However the trial payment plan that was offered actually had my monthly payments increase significantly to roughly 50 % of my monthly income. My monthly payments were {$5700.00} ( PITI ). They are now saying I should pay an additional {$3100.00} bringing my payments to over {$8800.00}. 

Additionally the current interest rate is very high compared to the rates being offered now. My interest rate is 6.375 %
Product: Credit reporting or other personal consumer reports

I've asked Capital One, XXXX, XXXX and XXXX To remove late payments from my consumer report.Because these late charges are clearly being inaccurately reported. Capital one has failed to show proof of late payments and they violated 15 U.SC 1666b as Capital one has never sent me a notice 31 days before any of these so call late payments. 
I have sent several levers to Capital One, XXXX, XXXX, and XXXX proof of the inaccurately reporting and misleading information. I will be Exercising my rights and taking legal action, if this false information isn't removed immediately from my consumer report. How can a payment be both late and on time in the same month? How can a payment be both 30 days and 60 days late in the same month? Capital One is inaccurately reporting a total of 7 late payments. By Capital One, reporting this inaccurate and false information to my consumer report, this has adversely affected me, and caused me hardship.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$880.00} ; XXXX  XX/XX/.
Product: Mortgage

I am not receiving mortgage statements and Im being charged late fees. They would only waive one of them and have told me twice that I am set up for paper statements but do not receive paper nor do I receive email statements.
Product: Debt collection

Midland Credit Management has been sending me collection notices for a debt that isn't mine. I have written and asked for validation and copies of all statements. Each time I write they write back and say that they don't understand what I am asking for. It's a delay tactic to cover for the fact that this is an invalid debt.
Product: Debt collection

On XX/XX/2017 I sent a debt verification notice to this company in the amount of {$550.00}. As a result this company has not sent any responsed by any means which is almost a year later. I also recently sent this company another verification this month. Likewise this debt is not mine since noone at the company replied. ( All letters sent to this company has been certified mail and someone had to sign for all. There letters has been marked as getting to the companies ) This company seem to ignore all request unless making payments. I can provide proof of all letters and certified mail proof if need be. Thanks in Advance
Product: Credit card or prepaid card

Barclays has stolen money from me.After I made my last payment of 400 they let transactions go through totaling XXXX and are making me pay for it. This is unacceptable behavior. This is a way your company can keep a balance on a card so I have to keep paying
Product: Mortgage

I have a conventional hoome mortage with Wells Fargo Bank. Recently, Wells Fargo emailed me and offered covid-19 assistance to defer three of my mortgage payments. Wells Fargo claimed that the deferment of payment wasn't going to effect me in any way, shape or form. They weren't going to report me to the credit bureau, they wouldn't charge late/interest fees. Long story short, I wasn't going to be reflected on my account at all. All I did was go on my Wells Fargo Account page, clicked a couple of buttons and automatically enrolled. A couple of weeks ago, I started a refinance on my mortgage to lower my interest rate. I completed everything with my refinance company. The called me a couple of days ago telling me they can't refinance my loan because it shows me being in " forbearance '' status with Wells Fargo. I was told that Wells Fargo listed my account in forbearance, and indicated that zero payments have been made on the mortage to the credit bureau. They never EVER mentioned once that I wouldn't be able to refinance my mortgage if I take advantage of the payment deferral with them. I feel like I have been lied to and now I won't be able to refinance my loan for at least 1 year, which Wells Fargo never told me before. I have been devastated because I needed the refinance to lower my monthly payments and Wells Fargo with their shady practices have ruined that opportunity.
Product: Debt collection

I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 60-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.
Product: Mortgage

XXXX XX/XX/XXXX after just learning I had been denied for a loan modification which i was seeking a forbearance sent in by a realty company, XXXX XXXX XXXX on XX/XX/XXXX. I received notification the house was up for sale. ( Note on XX/XX/XXXX received notice from XXXX XXXX that I could do a Short Sale. I said I didn't want it because i was hoping to keep my home and that was not wat i told that realty company to do and at the end of XXXX they told me to send in another borrowers package and so I received it in the mail. 
*I called on the XXXX of XXXX to ask wat can be done and was told to send in a borrowers packet by the XXXX of XXXX. 
*I called on the XXXX of XXXX and was told she would forward to the people to review it and I was amazed that they had had it for 5 days and had done nothing. 
*I called on the XXXX of XXXX and was told you are in your 37 days and this was not explained to me as I was just approved for a Short Sale and was told to send in paperwork. 

XXXX*I feel led on and with the previous company going behind my back I was not sure wat to do and have no where to go or any money saved, so I would be XXXX  I have multiple agencies here XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX filled out, who are approving my applications as we speak. I now qualify for these as my son is no longer living here, so his income doesn't count. 
**I 'm very confused as to how they can ask you to go through hoops and not respond and all of a sudden there is a 37 day requirement which in was approved for a short sale in the middle of but they still filed for short sale!!!. I called XXXX XXXX and never received multiple call backs or letters from XXXX XXXX. I have sent her multiple letters and borrowers package .... No response. I also have an investor XXXX XXXX interested in a short sale, which I was previously approved for! XXXX XXXX sent me a borrowers package in late XXXX or the agent did. 

**Its no wonder this agency has a bad rating and its horrible what they are putting their customers through. 
***Please stop the foreclosure and help me not XXXX be XXXX. I am XXXX due to a wreck in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

PLease help me... I DO HAVE THE ACTUAL RECORDINGS IF THOSE ARE NEEDED BUT COULDNT FIGURE OUT HOW TO SEND THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 searching a car loan went to XXXX XXXX services and click on the tool this website which clear states that SEE IF YOU PREQUALIFY WITH NO IMPACT TO YOUR CREDIT. XXXX XXXX did not pre qualify me. Half an hour later I got a phone call from XXXX XXXX XXXX OF XXXX TEXAS, offering me a car ( XXXX ) I said to them that I was not interested and 30 minutes after that call I got alerts from Experian that somebody looked at my credit creating a hard pull. I did not contact this dealership requesting credit from them or authorizing them to ran my credit without my consent I did asked them to remove that inquiry since I did not authorized them to ran my credit. This a clear violation on my rights as consumer and a form of identity theft.
Product: Mortgage

Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Attached is the names and addresses that are incorrect. The dates are also included, everything that is highlighted is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud
Product: Consumer Loan

Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.
Product: Debt collection

I just received a notification that a collection was added to my credit report. I have no knowledge of this company nor I have ever received any services. I was never notified via mail or otherwise of me having any possible debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

Requested investigation of dispute on XXXX XXXX account which still is reporting as 1 late payment when I was never late
Product: Checking or savings account

Dear CFPB, I, XXXX XXXX am writing you today as an aggrieved man. I applied for a checking account with WELLS FARGO and I was denied. I was not given any reason why. I do not know if I am being discriminated against or not. I was not even offered a WELLS FARGO opportunity or second chance account, which I would be willing to open. I find this to be very disheartening. Especially after the scandal plaguing WELLS FARGO with them unlawfully opening accounts in peoples names in secret.