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

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from Bank of America stating my debit card is here. I have never had or attempted to open an account with Bank of America. 

XXXXXXXX XXXX prior, I received a letter from Bank of America stating that " my account '' could not be opened due to additional information required. 

This process with Bank of America has really been a thorn in my side.
Product: Debt collection

Regarding Chase Auto Loan XXXX. Please see my first complaint, Complaint XXXX, for more specific dates and check numbers After 6 weeks of fighting with chase for not clearing an auto loan they received and signed 3 separate checks for Chase finally cleared it and my online account showed {$0.00} balance. 

Now, as of XX/XX/22 Chase has the NERVE to hit me with a {$980.00} late fee. They received and signed for the first check on XX/XX/22 ( as shown in my first complaint ) The loan was paid IN FULL. 

Chase has been causing me absurd, undo stress for over 6 weeks with this nonsense. I'm getting so many migraines and literally shaking with frustration ; I'm losing sleep and missing work over this nonsense and harassment. 

This is all Chase 's mess. I Will never pay them for their own mistakes. If anything they should be paying me for all the stress their incompetence has caused.
Product: Consumer Loan

This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!
Product: Money transfer, virtual currency, or money service

in XX/XX/2018 I initiated a money transfer from XXXX to my personal bank account. *they were previously linked and had been for a while. on XX/XX/XXXX the money from my previously initiated transfer arrived in my bank account. Later that day at XXXX on the XX/XX/XXXX ( probably right after the money arrived in my account ) i received a text message from XXXX   with a verification code. At this time i was not trying to log into my XXXX and i knew my password. I did NOT request this verification code but somehow whomever requested this verification code gained access to my account ( even though the text was sent right to my personal phone that no one else has/had access to ). After this my bank account was completely hacked and compromised all starting with the breach from XXXX. My personal banking account was then linked to a paypal account and money was withdrawn. Also my email that was linked to my XXXX ( different email from any other app that was hacked ) was subsequently hacked. All of this has led to my identity being stolen and my social security completely stolen.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I visited Wells Fargo, XXXX, NC branch on XX/XX/XXXX with a draft in US funds that was to be cashed and deposited into my account. I was informed that it was a foreign exchange, even though funds were in US dollars ( XXXX XXXX is the bank referenced ) and it would take 6 to 10 weeks to be processed. I contacted the bank on XX/XX/XXXX and was informed by the bank employee that the check was still being processed by foreign exchange. I then spoke to foreign exchange within Wells Fargo and they informed me that they had no information regarding the check. I spoke to the branch XXXX on XX/XX/XXXX and she informed me that it was not sent to foreign exchange but was sent to domestic collections within Wells Fargo but they have no idea where the check is. I contacted XXXX XXXX XXXX in XXXX from which the check was obtained and they informed me that the check had already been cashed. The check is for a significant amount of money, over {$34000.00}. Wells Fargo is unable to tell me where the check is and the money is not in my account but was processed and funds released by XXXX XXXX. It has been well over 2 months and Wells Fargo can not provide me with the details regarding the check because they are unable to locate it and they have yet to provide me with a date by which this will be resolved and the money deposited into my account. 
I would like my money as I intend to close all of my Wells Fargo accounts and take my business elsewhere as I am extremely dissatisfied with the lack of competence and sense of urgency on their end.
Product: Mortgage

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a transfer to a relative in XXXX, the banker official ( inexperienced in the matter ) did not match the account numbers of the intermediary bank and those of my relative 's account. 
The next day I went to the bank to request information, they said they would call me, the XXXXnager of the branch does not explain clearly what solution he can give me, I have already been four times, and the terrible attention of the manager and the poor quality of the The service has been constant, the documents issued by the official show an amount of money much lower than the value debited from my account, the dates are from XXXX, it does not accept that errors were made in the execution of the shipment I have called customer service, emailed the general manager of customer service, went to another branch ( despite the good disposition and kindness ) and I do not get a clear answer about my money.
Product: Debt collection

This Bank of America credit card account was opened by my ex wife nearly 2 years BEFORE we were married. In our divorce decree, she agreed to take responsibility for the account because it was solely hers. I never had access to the account, nor did I ever use it. Shortly after our divorce, she quit making payments and B of A attempted to collect from me. She later filed bankruptcy and this B of A account was covered in that bankruptcy. Regardless, B of A has continued to attempt to collect from me. I have made several attempts to contact them to have this removed from my credit, once with a financial advisor who works for XXXX XXXX XXXX, but B of A refuses to give any information or help in any way without providing money or a payment. I have asked them to provide any type of document where I have used the account or signed an agreement of financial responsibility, but they have not done so. I have spend hours trying to receive these documents but have only been run around in circles on hold. The address they have on file for this acct, I have NEVER lived at. My credit is nearly perfect, this is my only blemish on there. I pay my bills on time every time.
Product: Credit reporting

The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX , XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.
Product: Credit reporting or other personal consumer reports

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

Trans Union : 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 card or prepaid card

I never received my bill with the minimum payment. 

Citibank is refusing arbitration regarding terms and conditions of the double cash credit card. 

Citibank is refusing arbitration due to my social security income
Product: Credit reporting or other personal consumer reports

This company has pulled my credit report and submitted applications in my name that I do not recognize. These inquiries are completely fraudulent, and I have neither authorized them nor applied for anything with this company. I previously contacted Equifax, and their representative assured me that these inquiries would be removed, yet they still remain on my credit report. This ongoing issue is causing unnecessary stress and frustration.
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans ran my credit ( hard inquiry ) without ever speaking to me or gaining permission on XX/XX/2019.
Product: Debt collection

XXXX XXXX had XXXX services with an account number XXXX when they updated their system it generated into my name and gave a new account number XXXX. I was placed into a XXXX facility in XX/XX/XXXX and have not been in the house since that day. My spouse expired in XX/XX/XXXX. They have sent this to a collection agency which is showing on my credit report as a collection. I have sent in all required documents as requested weeks ago called today for an update and they are still demanding payment. These bills are for XXXX, XXXX, XXXX and for my XXXX XXXX. They refuse to remove collection or to correct this account as it is not mine but being reported on my credit report. I filed a complaint on here with ID # XXXX it was not approved to be sent.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/year>
Product: Mortgage

Hazard insurance for my home was cancelled on XX/XX/2020 because my hazard insurance company ( XXXX XXXX XXXX ) did not receive renewal payment for 2020 from my escrow account. I've been paying for my hazard insurance every month as part of my monthly escrow payments. Now, my morgage lander ( LakeView Loan Servicing LLC ) sent me a notice saying that they will get a hazard insurance for me at their own terms, which will be much higher than the ones I had previously payed. When I called the escrow department at LakeView Loan Servicing LLC, no one was able to help me ( I talked to three different agents ). I was basically told that they disburse money to whoever they have on their records and they don't care what happens to this money, and if the other party gets the payments or not. They blame it on me saying I was supposed to renew the hazard insurance myself at the end of the term. But I don't pay the premiums myself, and I have no ways of controlling the insurance renewals. They do it out of the escrow, and I have to rely on their promptness in payments. So, I'm in total dispare at this point because it seems like the money I've been paying for the hazard insurance into my escrow account ( at least for the last two months ) is lost. No one at LakeView Loan Servicing escrow department is willing to resolve the issue. The more I call them the more irritated they get. I have no idea how to resolve this problem and who to contact next. If you need any additional documents, I will provide the on the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a Dispute Form to Experian with information showing the manager ( Mr. XXXX XXXX ) of XXXX XXXX Sales forged my signature on several documents. One document was a credit application. Experian told me the information I provided was forwarded to XXXX for an explanation. As of the writing of this letter, my credit file has not changed. Therefore, I assume XXXX has told Experian that I signed the credit application. 

Please consider this a complaint against Experian. It was my understanding that Experian would investigate this matter. I was never sure if Experian did an investigation. Experian stated the information I submitted to them was sent to the company for a response. Eventually, I believe Experian told me what they change was changed. Nothing changed on my credit file as a result of the dispute. 

I hope CFPB will hold Experian accountable and obtain the documents I am requesting. You may refer to Complaint ID XXXX for additional information. I give CFPB to act as my agent regarding this matter.
Product: Mortgage

My mortgage was sold to Flagstar in XXXX. All notifications were sent to the rental property address not my mailing address. My tenants threw out the mail, thinking it was junk mail. When the mortgage was sold, Flagstar did not make sure the information used by the prior lender was accurate in their records. The former mortgage company DID have a different mailing address that they used to mail me statements for more than five years. The correct information was available to Flagstar. For two months my auto payment was forwarded by the prior lender to them and no-one checked to see why I hadn't changed where I was sending my payments. When I was called about collections, they wouldn't tell me why they called and which mortgage it was in reference to, they were dismissive about my frustration and failed to see how their system of not obtaining correct mailing address information was a problem. ( What if my property was rural and my mailing address was a po box . ) Their customer service was bad. I asked to talk to a supervisor and she was rude and blamed me for not noticing that my auto payment was returned. The whole experience was frustrating and made me feel like it was set up to obtain financial penalties.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that is not mine. XXXX XXXX XXXX  XX/XX/year>
Product: Credit card

I spoke to rep name XXXX who said he was a supervisor then he transfers me to XXXX who told me previous rep was not a supervisor. 
This rep forced me to close my account. Her name is XXXX as a recording will show. She indicated she could not waive the {$99.00} unless I close my account. This is unacceptable and ilegal and I am requesting for your company to fix this She also took several minutes to give me the reference number for the credit having been asking her for the last 12 minutes and this rep incapable of doing that
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.
Product: Credit reporting or other personal consumer reports

A false inquiry came up on my credit report because someone tried to open up a credit card at XXXX XXXX. I would like this removed off of my credit report immediately.