23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer of XXXX XXXX at my home in XXXX XXXX California. XXXX XXXX XXXX XXXX XXXX CA XXXX account : ( XXXX ). When I terminated the service ( XX/XX/2018 XXXX and moved overseas I had a credit balance on my account and had expected to have a check in the mail on hold at my PO Box . Months later I decided to just check on the account to make sure everything got processed I was told that I now owe {$220.00}. What? I learned that XXXX never turned off the service in their system despite me returning all of the equipment. I called three separate times over 12 months and each time I was told they would fix. Dispute XXXX / XXXX as agent - 2nd attempt with history. Not only did they not fix it, they turned it over to collections which has affected my credit score. The easy thing would be to pay this but it is a matter of principal. Honestly I just want this cleared. I do not care about getting my credit back at this point. The fact that a companies systems are so screwed up and focused on the customer being wrong that they can not even correct their own problems internally speaks volumes.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to severe inaccuracies in the reporting of this collection account by XXXX XXXX XXXX. Despite my numerous disputes over the past XXXX months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : XXXX : XX/XX/year> XXXX : XX/XX/year> TransUnion : XX/XX/year> Inconsistent Status : XXXX and XXXX list the account as Closed. 
TransUnion reports the account as XXXX. 
XXXX XXXX : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
TransUnion continues to report it as negative with a dispute status. 
Lack of XXXX : Despite disputing this account multiple times, XXXX XXXX XXXX has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. XXXX XXXX XXXX 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. 

I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.
Product: Payday loan, title loan, personal loan, or advance loan

American Express sent me a prescreen loan offer, via the customer dashboard for the two credit card products I have, that said I was pre-qualified for a unsecured closed-end loan. I applied for the pre-qualified offer for the American Express Personal Loan in XX/XX/XXXX. I received a communication, dated XX/XX/XXXX, titled " Important Information Regarding your Loan Application '' which asked for " some additional information to verify your identity and ensure your security. '' I was directed to contact the American Express Fraud Department within 30 days of the communication at XXXX or else my application would receive no further consideration. I called XXXX on XX/XX/XXXX, within 8 days of the date of the letter and within the 30 day deadline stated in the Notice of Incomplete Application letter dated XX/XX/XXXX. Using the IVR phone system, the automated system told me that I had verified by identity by calling from the telephone associated with my American Express account/loan application and entering the correct One-time Passcode provided in the XXXX. My cell phone records show that the call lasted more than 1 minute. 

I received no other requests for additional information or documentation from American Express until I received a communication, dated XX/XX/XXXX, that it " cancelled [ my ] application because we were unable to verify [ my ] identity. '' after it had told me that it had verified by identity. 

I note that I've been an amex customer since XXXX and I have had an American Express Personal Loan, at least once in the last two years, all while living at my same physical address that I included on my Loan application. Amex knows my identity in the first place, so even this second step to confirm with the Fraud Department is unnecessary. 

Amex has violated my consumer credit rights in offering me a prequalified product that it did not intend to offer a final approval. Enticing myself and other customers to apply but being deceptive about its capability to extend credit to qualified applicants, in violation of Dodd-Frank Act protections. 

Amex has violated my consumer rights as outlined in ECOA, as implemented under Regulation B, by providing XXXX that did not accurately list the requirements necessary to complete an application and then, also, later by cancelling my application after I completed the steps outlined in the XXXX. I completed the tasks outlined in the XXXX and if my application was declined for any other reason, the Amex has violated ECOA in not providing an accurate XXXX. 

This is the second time that I have applied for an American Express Personal Loan where Amex has failed to comply with federal consumer protection rules and regulations regarding prescreen offers and providing the accurate and complete notices and disclosures in a timely manner. As this is not my first encounter with this treatment in the last year, the " I '' ssue at Amex appears to be systemic and ongoing and most likely affects a larger consumer population.
Product: Mortgage

On XXXX XXXX, 2016 I lost my mobile home in XXXX XXXX Louisiana due to a XXXX flood. My insurance company declared it a total loss and I received a check for policy limits several days later payable to my mortgage company and then myself. The home was unhabitable so I contacted Wells Fargo Home Mortgage to find out how to use the funds to pay off the balance. 
My wife and I have XXXX small children, XXXX of which are in school. We found an apartment near the kids school and would not be able to continue to make mortgage payments and meet the rent at the apartment. 
Wells Fargo gave my wife and address to send the payment to and when I called to double check they directed me to a different address. The flooding here was widespread so Wells Fargo had a temporary office set up in a local church parking lot so I stopped in. At that pointime they gave me a third adress to send the payment to but advised me to wait for a " pay-off packet '' to arrive and send the payment with that information. A week later the packet shows up so I XXXX the check overnite to the instructed address. 
Days go by and I have n't heard anything so I follow up. First the representative denies receiving the check. When I gave them the tracking number they then inform me I sent the check to the wrong department and it was returned to sender. After two weeks I called my insurance company and requested a stop payment on the original check and to be re-issued another check. That 's a 10 day process. The check was mailed XXXX/XXXX/16, I received it XXXX/XXXX/16. I 'm afraid to send it anywhere. I do n't trust Wells Fargo and believe I was intentionally mislead by them to drag out the interest payments on my loan. I also believe I should not be responsible for the interest accrued after they initially received my check ( which almost a month later, has yet to show up ).
Product: Credit card

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/2024 when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/2024 stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Vehicle loan or lease

My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.
Product: Checking or savings account

My account with Credit Karma money spend was debited {$5000.00} on XX/XX/24 without my permission. I tried to dispute directly with the company but was denied and told the following : We have completed our research regarding your dispute and have determined that no error occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. 
Please be aware that you have the right to request copies of the documents that we used to make our determination. 
We apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for being a valued Credit Karma member. 


Please assist me in the recovery of my funds.
Product: Mortgage

Dear Federal Reserve Team, My mortage which was serviced by Bank of America was just recently sold to XXXX XXXX. I was given a notice in XXXX that I should no longer make payments to Bank of American but rather that XXXX ( the new servicer ) would contact me to start making my monthly mortgage payments. 

When Bank of America sold the mortgage, it incorrectly shared information with XXXX XXXX that I did not make payments ( {$4000.00} ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have both a deposit receipts ( {$4000.00} ) form Bank of America ( branch deposit slip ) as well as a summary record from Bank of America confirming payments received in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$4000.00} each. 

When I tried making my very next mortgage payment ( I tried calling XXXX in XXXX but was told the account was not set up yet ) on XX/XX/XXXX, I received a letter from XXXX XXXX  that they will not accept any mortage payment until the entire past due amount ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) has been paid. 

We tried contact Bank of America to correct this mistake but are unable to reach or connect with them as their response is that they no longer service the loan, the loan has been sold and they can not assist any further. 

Whether this error was done by Bank of America my mistake or intentionally to sell a loan that was in good standing or whether this represents a pattern of fraud and abuse, we do not know. We would like for you to a. investigate this matter, b. help correct the issue at hand - as the impact and implications may result in further delinquency and default and c. and determine whether Bank of America has violated any laws, rules and/or regulations. 

I have paperwork and additional information as back up and will provide those when requested.
Product: Credit reporting

I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX illegally sold XXXX XXXX rental debt to a 3rd party to debt collector : Kimball Tirey & St John which is in violation of Cal. S.B. 91.

Cal. S.B. 91 ( enacted XXXXXXXX XXXX XXXX  ) ( XXXX rental debt can not be SOLD, thus limiting the likelihood of its being reported to CRA ) I hereby demand this information be removed from XXXX, XXXX, XXXX immediately within 15 calendar days or I will be left no choice to file legal action. 


cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Fraud Division Special Handling po box XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Report # : XXXX From : XXXX XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 


FTC Identity Theft : XXXX Address Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : XXXX. XXXX  XXXX  XXXX  : XXXX {$32000.00} XXXX XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX Balance : {$10000.00} Fraudulent Inquiries : XXXX. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

Please address these issues promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Received an unsolicited credit card on XX/XX/XXXX from Bank of America. Was told that we would receive a letter stating that the account was closed and that it was fraudulent. We never received the letter. XXXX weeks later we called back and nothing had been initiated on their end. They have been completely unhelpful in resolving this matter. The company is saying that it will take up to 90 days to " investigate ''. We are currently in the process of purchasing a home and this may impact our interest rate. Clearly it was an unsolicited credit card, or part of Bank XXXX XXXX recent data breach. Who would be stupid enough to open a new credit card while in escrow?? AND, it was an XXXX XXXX Bank of America card. Who would be stupid enough to fly with XXXX XXXX??
Product: Debt collection

I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and  only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX {$480.00}
Product: Mortgage

HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted XXXX XXXX directly and provided police report, representatives were very rude and not helpful. Prior to this I have sent mutiple letters in regards to this issue. I have never had furniture with XXXX XXXX nor have I lived at XXXX XXXX XXXX. That address is also in my police report. This is in regards to account XXXX XXXX account XXXX.
Product: Debt collection

TD AUTO FINANCE LLC is currently attempting tax fraud by continuing to attempt to collect a debt that was charged off in XX/XX/2023 and company filed a XXXX c on this debt. 

This company also violated my FCRA rights again according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have emails as well as several disputes on credit files letting them know the information was inaccurate and they still continue to report inaccurate information which is illegal by law. 

Below you will find proof of the inaccuracies such as Missing data which theyre in violation of the FCRA and also updating the same inaccuracies after being notified by credit bureaus.