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

I have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Debt collection

Hello, my identity was stolen and as a result their has been several accounts opened in my name as well as attempts to apply for credit. The accounts noticed thus far are the following : XXXX XXXX cards with account numbers ending in XXXX and XXXX as well as an inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I have been in touch with the companies to let them know of the identity theft. I have also filed a police report in my county. I am simply asking that all accounts be closed and permanently removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This report open for over a year and remains a major impact to our credit score. It has impacted our ability to get a loan or credit or buy. I have been in touch with the bank and Experian and to date NOTHING RESOLVED EVEN THOUGH BANK HAS ACCEPTED XXXX cents final paid in full PAYMENT they continue to post as charged off XXXX cents. It is beyond unacceptable!
Product: Mortgage

This is in regards to a previous complaint. The hold on my account was promptly lifted after my complaint was received, but two days later I was charged an extra {$100.00} for the returned payments in XXXX and XXXX. I paid the extra fees to avoid issue, including two late fees at {$47.00} each for the months of XXXX and XXXX, but I am appalled. I would like the {$190.00} in fees returned to my bank account. Previous complaint attached for reference : I have never missed a mortgage payment before thus mixup. In XXXX I followed the online process to switch my autopay information to a new bank account, since I am no longer using the old one and it would not have sufficient funds in it. In XXXX my autopayment was withdrawn from the old bank account and returned due to insufficient funds. I called and paid ( from my current bank account ) as soon as I got the letter, still in XXXX. I was told that the switch did not go through on their end so I went through the process again. In XXXX my autopayment was again taken from the old bank account and returned due to insufficient funds. I called and paid the very next day ( from my current bank account ), still in the beginning of XXXX. I was instructed to delete the old banking information all together, which I did. In XXXX I thought everything was straightened out but my autopayment ( from my current account ) was returned due to " insufficient funds ''. I called as soon as I found out and paid ( from my current account which did not have insufficient funds ), still in the first few days of XXXX. In XXXX I, again, thought everything was finally straightened out, after double checking with my current bank to make sure that there was no reason my payment could not be processed, but Flagstar never withdrew my payment because they had put a hold on my account, preventing me from paying online or over the phone. I was told that for the next XXXX months I would have to pay with money orders or through XXXX XXXX. Since then I have been bombarded with debt collection calls, repeatedly been given misinformation, I have put in double digits worth of requests for all of my phone calls to be listened to. My case has been reviewed and denied multiple times because they saw three returned payments and stopped there rather than listening to my phone calls. I have never missed a month 's payment before XXXX. I informed them that my money is waiting to be taken but I will not, on principle, jump through hoops and pay extra fees because of multiple discrepancies on their end. Finally, today, after dozens of attempts to straighten this out, someone listened to my first two phone calls. Only the first two. They stopped there and informed me that I was given proper instruction and their program does not withdraw money from the wrong account. I asked for them to listen to the remaining calls and was denied. I asked that they not bombard me with debt collection calls and they said they couldn't do that, that maybe I should just pay my bills. As you can see I have been trying to do just that since XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

That is not my address and I want it to remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Bank account or service

After making a deposit like i have always done ; at the ATM machine ; the bank Wellsfargo ; without my knowledge removed my deposit on XXXX XXXX, 2015 from my account and held onto the deposit which was XXXX checks ; for over 16 days and then after receiving the checks they wont take checks for deposit they only want cash ; and still they refused to deposit and they cause over draft fee 's for profit ; still refusing to let me deposit any checks ; there was no hold status or anything wrong with the deposit ; i receive my notifications normally electronically online they failed to do that - period. When they i went into the bank they lied about sending notification i never received one. they lied about the XXXX checks turning them into these yellow copies stating " Original " XXXX and now no one will have anything to do with these checks. The checks are good I verified this, Wells Fargo did process this by turning them into yellow ; lied about the where-abouts of checks i deposited them on XX/XX/2015 at XXXX XXXX. when i received checks after 16 days i see a stamp dated for XXXX XXXX, 2015 and in yellow. so i want to know where the checks were from XXXX XXXX, 2015 until 16 days later, XXXX phone calls and in person. If the deposits were done properly i would not of had XXXX overdraft fee - period now i have XXXX approximately debt they created for profit when wellsfargo refused to do their job or do customer service as a financial institute called a bank ; they went to extreme measures in order to do this fraud and other crimes against myself, my family, my life. This is on a personal account, i signed the checks as required prior to the deposit look at checks. Now I am stuck with checks and wells fargo has not done what the contract agreement signed by both myself and wellsfargo intentionally lying in writing document i have attached., twisting banking rules and taking out of context ; as written by them their policy 's doing business as a bank. I am seeking an attorney if needed when i should be able to reason with wellsfargo due to what they have fraudulently done in regards to my account ; creating overdraft fees for no reason.then stealing monies that Wells Fargo had no authority to act on or profit from - period. My family has and is suffering if you can imagine and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.
Product: Checking or savings account

In late XXXX I got my card stolen in the city of XXXX XXXX, CA. A few days later I called Wells Fargo and disputed the fraudulent transactions totaling to about {$500.00}. A lot of the charges that were made were in the state of Arizona, which I have never been to. At first, I did not get my money back because the representative filing my claim did it wrong and reported I had my card in my possession ( which I did not ). I then called back and the new representative from Wells Fargo told me my claim was filed wrong due to them writing in the report my card was in my possession when it was not. She then proceeded to apologize and gave me the credit. I also received a letter in the mail that my claim was resolved and the provisional credit was final. Months later, I get money withdrawn from my account for the total of {$500.00} stating the credit reversal. When I called Wells Fargo they stated it was due to the merchant proving the transaction were used with a physical card and they were authorized. How is this possible? I got my card stolen from me. This left me in disbelief because I got robbed of my money, that I finally got back, just to get it taken from my account again. I'm a XXXX  XXXX  so this money is a big deal to me. Wells Fargo kept explaining how they can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax Small Business on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to Equifax all they say is to go on line and file a complaint. The Bank is XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.
Product: Credit card or prepaid card

I referred a friend to American Express. The terms and conditions clearly stated that once the referred person applies and gets approved, American Express will post the bonus points to my account within 8-12 weeks. In the past, American Express posted the bonus points immediately after the referred person gets approved. I didn't see any notifications from American Express after the person I referred got approved for 2 cards. They are as follow : XXXX points for American Express Hilton Aspire at XXXX XXXX XXXX XXXX XXXX points for American Express Blue Business Plus at XXXX XXXX XXXX XXXX XXXX The last name of the person I referred was XXXX. 

When I called to inquire about why the notifications weren't sent, the rep claimed that she already sees the email sent by American Express to my friend. This was not correct information as my friend received the link directly from. So, I asked to be transferred to a supervisor. This was on XX/XX/. The supervisor I spoke to was XXXX XXXX from Agent ID XXXX in XXXX XXXX. He claimed that in order for me to get the bonus points my friend needed to do the spending requirement, which was not mentioned in the offer 's terms and conditions. I read the T & C of the offer to XXXX, but he still claimed that my friend needed the do the spending requirement. I asked XXXX if he could read the T & C to me, but he kept dodging around claiming that Every referral offer has a different T & C!!! When I asked him to escalate, he refused. I demand a full investigation of this incident as American Express CS reps are clearly deceiving customers by purposely giving the wrong information.
Product: Debt collection

RESPONSE TO OPEN COMPLAINT # XXXX. 

ProCollect lied in their response to CFPB. 

Today, XX/XX/2021, they left another voicemail, one more in a long series of phone calls and voicemails. In the voicemail, they stated the following : " This is a personal business alert for XXXX XXXX. If you are not XXXX XXXX, please hang up at this time. This message contains private information and should not be played in a manner which can be heard by others. This call is from ProCollect. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Please call XXXX. '' I conducted a search on the company and the phone number and discovered that there are many complaints which have been lodged against it for making fraudulent phone calls, leaving no information other than those similar to the statement above.
Product: Debt collection

Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX  that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than XXXX years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off
Product: Checking or savings account

Capital One placed a restriction on my account and is holding the funds in the account from my direct deposit and refusing to return them to me until I visit a branch. The closest branch to me is XXXX miles away so I am not able to visit one. I spoke with XXXX, Fraud Supervisor, on the phone today XX/XX/year> and explained the situation and she told me that Capital One will hold the funds indefinitely.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$260.00}, XXXX XXXX  XXXX XXXX Balance : {$260.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

This complaint relates to a Bank of Americas checking account monthly maintenance fee. In short, the bank triggered the monthly maintenance fee by raising the required minimum account balance without providing any notice. The fees at issue total {$50.00}. 

BACKGROUND / FACTS : In each of XXXX and XXXX of XXXX, I was charged a XXXX XXXX  monthly account fee. When I called in XX/XX/XXXX to inquire about this fee, I was informed that there was a {$5000.00} minimum account balance to avoid these fees. They apologized and refunded those fees. I subsequently transferred in {$5000.00} and maintained an account balance > {$5000.00}. The fees stopped. 

Then, 16 months later, in XX/XX/XXXX the XXXX XXXX monthly account fee appeared again. I only noticed the charge on XX/XX/XXXX, at which point I had been charged a cumulative {$100.00} in monthly account fees ( {$25.00} in each of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I called the bank on XX/XX/XXXX and the agent ( XXXX ) politely informed me that the minimum account balance had been raised to {$20000.00} in XX/XX/XXXX. I had never received adequate notice of that change. The bank apologized and refunded half of my fees ( {$50.00} ), but refused to refund the other half of the fees ( {$50.00} ). They explained my only recourse was small claims court or a complaint to the CFPB. 

REQUEST I am writing to request the remaining {$50.00} be refunded, and also to ask the CFPB to take action to stop this practice of changing account requirements to trigger fees with little or no notice.
Product: Credit reporting

I went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.
Product: Student loan

Last year I consolidated my loans with Student aid. Student aid consolidated and Mohela transferred me to XXXX XXXX until the consolidation was completed. When Mohela received my account back, no consolidation changes were made. I called in several times, and they told me each time that they were going to make the changes. To date, the consolidation changes have not been made. I called them today XXXX and was on hold for over XXXX minutes and they checked into the issue. No results. I uploaded a 1099c and the consolidation paperwork to them on XXXX, and nothing. 

Issue two I asked for a forbearance on my payments and to date it still isn't on my account so my account is reporting negative. 

Issue Three, I am in XXXX loan forgiveness, and none of my loans have been forgiven I have been in XXXX loan forgiveness for over 15 years. 

To finalize I am unhappy with Mohela 's services, Mohela is not providing excellent customer service, and I would like for my account to be updated correctly.
Product: Credit card or prepaid card

Credit card with CitiBank. 
My card and cell phone were stolen on XX/XX/XXXX, after using a cash advance for {$100.00} at an ATM. I called Citi to report my card as stolen and noticed there were multiple fraudulent charges. I have had multiple phone calls with them, as originally they did not submit all of my transactions that were fraudulent under a dispute. Now they closed my case saying that the charges were valid because the chip reader was used ( despite my saying that the card was stolen and not in my possession ), and refuse to reopen the case, nor send me a copy of my calls where they state I said I had my old credit card in my possession.
Product: Mortgage

Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.
Product: Credit reporting or other personal consumer reports

Within the last XXXX  years I have had prsonal loans that I have REFINANCED multiple at least once a year. All closed loans due to REFINANCE are still on credit report. CLOSED ACCOUNTS have a DERROGATORY AND NEGATIVE impact!!! Reporting bureaus REFUSE to remove closed accounts, and even hold them on report for XXXX YEARS!!! XXXX YEARS of NEGATIVE reporting and XXXX YEARS of credit denial from anyone looking at credit history!! Every single credit DENIAL letter i have received was due to CLOSED ACCOUNTS for the most part!! This needs to change and credit bureaus need to STOP REPORTING NEGATIVE INFORMATION UNDER FALSE PRETENSES!!!