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

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB Ref No : XXXX ), and XX/XX/year> ( CFPB Ref No : XXXX ), concerning American Expresss incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, American Express has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX ending in XXXX as a personal liability. The responses from American Express, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a XXXX XXXXXXXX of XXXX XXXX, and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, American Express has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Product: Mortgage

Dear Sir/Madam : I have been having issues with US Bank since XXXX of XXXX when I paid off most of my loan ( principal ). Furthermore, I paid off the remaining on XX/XX/XXXX, in the amount of {$690.00}. 
On XX/XX/XXXX I sent a check for {$690.00} and specifically wrote in the comment for US Bank to apply it to the principal of the loan which they refused to do. Before this in XXXX of XXXX US Bank took away my access to make payments online and the only way to make payments is through USPS mail. I have disputed the insurance part of the loan which was the only outstanding part of the loan a policy that US Bank placed two policies on my property in XXXX of XXXX after expired dates ( XX/XX/XXXX and XX/XX/XXXX. ) and after they caused my policy to lapse as they did not pay it. 
On XX/XX/XXXX I returned home to find that US Bank had created a loan modification for {$0.00} which they placed there which is a fraudulent move by that bank to extort extra funds from the customer. Before this, I called US Bank several times and asked for the balance but they refused to do so. US Bank vindictive did not pay this customer 's insurance policy to place their policy and further placed a XXXX on the customer 's account to harass her for more funds. 
After applying all but a XXXX to the account, US Bank created a Modification without the mortgagor 's request and or knowledge and added to her account to pay an additional {$2300.00} due to {$0.00} owed on the balance which was paid previously in full. 
US Bank has caused months of pain and suffering to this customer. Even though I paid off my loan whose maturity date is XX/XX/XXXX US Bank refused to provide anything to release this account from US Bank. 
I have a second Mortgage ( noted as the recoverable corporate Advance on the US Bank account ) that will not begin until US Bank Home Mortgage ends. 
Finally, in XXXX of XXXX, I found out that my property has three policies which were placed in about XXXX of XXXX ( one from the mortgagor and two from the bank ) which I disputed. The mortgagor has issues with Us Bank paying the mortgagor 's insurance policy as required of them. Us Bank placed a XXXX on the account even though they received the full amount and also sent a false report to the mortgagor credit is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally extended.XXXX**** should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by XXXX XXXX on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!
Product: Credit reporting or other personal consumer reports

After requesting my consumer report I notice unknown accounts that I did not authorize nor give consent to furnish to my consumer report. Please remove these account immediately.
Product: Debt collection

On XX/XX/19, I received a voicemail regarding a debt owed before legally prosecuting me. I used the information provided to contact a XXXX from RMS. XXXX ask me if I was aware any debt owe which I thought was strange. If you have a debt there with my name on it, RMS should be able to provide the information. I am a Fraud Victim that's taken me over 2 years to follow up on fraudulent accounts so I am very careful and proactive with important issue as this one. Although I was on a short break, I verified my Date of Birth which I usually will not do. I told her I did not have very much time but insisted on placing me on hold. I could not wait any longer but told I do not owe any debt that requires RMS services. The call made me very uncomfortable because she was so vague. I formally disputed any of there clients debt since she did not provide the information. XXXX stated a letter was sent to me over 45 days ago which is incorrect. This is the first I've heard of RMS so I further researched on RMS, I found they will send notification under a different business then collect under RMS. This is done to exhaust the 30 days deadline to dispute the debt.

I do not believe RMS sent a letter to me 45 days ago and using this tactic as a form of Harassment. I did not receive any notification from RMS and never heard of them until XX/XX/19. 
I have no clue what the debt is nor do I know anything about RMS!
Product: Credit card

I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal.
Product: Vehicle loan or lease

I purchased a new car that was financed through Kia Finance. I intended to pay cash, but the Kia dealer convinced me that I could get a lower price on the car by financing it, because the dealership gets a benefit. So, I financed the car through Kia Finance. Then, I proceeded to pay off the car by submitting the full payoff amount, which was stated by Kia Finance as {$43000.00}. The payment could not be submitted in full, because the upper limit was {$25000.00}. Consequently I submitted the payoff in XXXX payments ; XXXX for XXXX and another for XXXX. The payments were submitted on XXXX XXXX, and recorded on my bank account on the XXXX for XXXX, and the XXXX for XXXX. 
I am a retiree, and this money is from our savings. Every dollar is important. Despite the fact I paid the loan in full by the time the payoff amount was valid, Kia still shows a balance of {$1000.00}. I have spoken to them about this 3 times. The first time, the clerk acknowledged that I had paid in full by the time required, and promised to get it taken care of. I have the conversation recorded. After 2 or 3 weeks, the balance is still there. I called about it today, and the clerk argued about this with me and eventually hung up on me. I called again, and asked for a supervisor. The supervisor named XXXX, again acknowledged the account was paid in full by the payoff amount date, and said he will submit a request to clear the account. In fact, XXXX informed me I had paid an excess of {$9.00}. 
It is unthinkable that a credit institution of this caliber would continue to make gross errors of this kind and not endeavor to correct them. At this point I have no faith that they will correct this and will continue to demand an excess of over {$1000.00} to get my title cleared and the account cleared. 
Please assist us with this travesty of credit handling. I feel I am fighting a giant hiding behind a bunch of questionably qualified clerks with little power to do anything for the customer. 
Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

this agency expects a XXXX year old veteran with health issues to understand this jibberish after i just received a va home refi paying off all my past and over due bills. 
I have been discriminated by Trans Union!
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
Product: Debt collection

Collection Agency RECEIVABLES PERFORMANCE is showing on my  XXXX   XXXX  report as OPEN, a balance due in the amount of {$100.00} from the company  XXXX . It was put on my account on  XXXX / XXXX / 2014 . I have sent several dispute letters and documents to  XXXX   XXXX  showing that I haveno balance and that it should n't have never appeared on my report. I have also spoke with  XXXX  and was agreed there is no balance .Dish also is very annoyed as well because I am a loyal customer to them.Collection Agency RECEIVABLES PERFORMANCE fraudulent trying to deceive money out of me as I am a single parent & they refuse to speak with me to resolve this issue.  XXXX  this be investigate and remove asap as it is damaging my credit.
Product: Credit card or prepaid card

On two occasions my payment was shown to be late but that shouldn't have been the case I called the company to explain reseasons for the billing situation and the online banking payment methods. but I was unfairly marked 2 times for late payments, but since then in the past year I have cleared up the situation but they refuse to forgive and clear my record.
Product: Debt collection

I was injured by their debt collection practices because they violated multiple federal laws and now seek remedy for actions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Dispute of Fraudulent Student Loan & Harassment of Elderly Parent To Whom It May Concern, I am writing to formally dispute a fraudulent student loan that has been attributed to me for XXXX XXXX XXXX XXXX. I never attended this institution, and both my mothers and my personal information were stolen and misused. This has been a distressing and ongoing issue, severely impacting our lives. 

What makes this situation even more alarming is the harassment my XXXX mother has endured from representatives of this fraudulent loan. She has been repeatedly threatened and manipulated into making payments, despite my clear lack of involvement with this school. The relentless intimidation has been so severe that she is now using her limited fundsmeant for medication and essential living expensesto pay this illegitimate debt out of fear of losing her home. 

This situation is unacceptable and must be addressed immediately. I request that CFPB : XXXX. Investigate the fraudulent nature of this loan and verify that I did not attend XXXX XXXX in XXXX. 
XXXX. Intervene in the unethical and predatory collection tactics being used against my elderly mother. 
XXXX. Take action to have this fraudulent loan removed from all financial and credit records associated with my name. 

This situation has been a nightmare, and the emotional and financial toll on my mother and me is immeasurable. I urge you to take swift action in protecting us from this fraudulent debt and abusive collection practices. Please let me know if further documentation is required to facilitate this investigation. I can be reached at XXXX ] or XXXX. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have no knowledge of this account and I believe it is a result of identity theft. I have never received any notice or communication from ZIONS DEBT HOLDINGS or the original creditor regarding this debt. I have also checked my credit reports from XXXX and XXXX, and they do not show this account. I have placed a fraud alert on my credit files. Please delete this account from my credit report as soon as possible, as it is damaging my credit score and affecting my ability to obtain credit.
Product: Mortgage

Please refer to Complaint # XXXX. 
I am refiling since that complaint was closed without the appropriate response, or solving the problem at issue. NOTE : I no longer own the property in question. 
As a XXXX XXXX XXXX XXXX, I do not have the time, energy or resources to keep fighting WELLS FARGO BANK, N.A. and/or WELLS FARGO HOME MORTGAGE ( WFHM ), [ also used herein interchangeably as WELLS FARGO ]. Therefore, I am pleading with the CFPB to demand that WELLS FARGO correct their errors where they incorrectly and falsely issued a XXXX Form 1099-MISC to memore than one year and a half after Chapter XXXX Bankruptcy filing was discharged ( and paid in full as agreed ). WELLS FARGOs actions in this matter is highly injurious to me and the additional stress is affecting my health and well-being. 
Please refer to my complaint XXXX submitted to CFPB XX/XX/XXXX ( now closed ) that stated the following : Wells Fargo Home Mortgage : Engaging in deceptive and unfair practices. My mortgage payments not applied, or misapplied. I was in a Chapter XXXX Bankruptcy, filed in XX/XX/XXXX, which was discharged in XXXX XXXX. According to my Trustee and Bankruptcy Courts, I fulfilled all my obligations including all payments to WFHM. I continued to make all post-petition payments each month. Suddenly, and to my astonishment, around XX/XX/XXXX, WFHM threatened foreclosure and is falsely stating that I am in default and owing {$23000.00}!! It is very suspicious that this happened only after I questioned them about why my monthly payments were " not applied '' after each payment and another issue which is not part of this complaint. 
1-I am requesting written proof from WELLS FARGO regarding " miscellaneous income '' allegedly paid to me and reported to IRS on XXXX Form 1099-MISC, in the amount of {$19000.00}. This documentation must show the date, form of payment, and all proof that the money went into an account belonging to me or was cashed/endorsed by me. 
I DID NOT receive any income from Wells Fargo! 
2-I am requesting written proof that the Bankruptcy Trustee was notified by Wells Fargo of their alleged " error '' of payments not received. Wells Fargo is making this claim, that they made an error, without substantiation. According to the Bankruptcy/Trustee 's records, no such notification was filed. All payments were made as required.
Product: Mortgage

Short Sale was started XXXX/XXXX/17 with PNC. This is the SECOND CFPB COMPLAINT I have had to file against PNC for this borrower. ( See attached ) Most recently, PNC has now decided to refuse to speak with us, XXXX XXXX XXXX, as an authorized third party. PNC has spoken to us several times prior to today, therefore this is clearly retaliatory for filing the previous CFPB complaint against PNC. 

Is PNC now deleting our authorization documents? 

This has got to stop. This is servicing fraud. It is illegal for PNC to reuse to speak to an authorized third party. It is illegal for PNC to make up laws stating they are no longer allowed to tell me what the value is, nor what the counter is, nor are they allowed to make outbound calls to me or leave voice messages because this " is in the state of California ''. Since when does the state of California have anything to do with PNC properly servicing their loans? NO SUCH LAW EXISTS!!!!! 

Were not real surprised considering PNC committed this, yet another, illegal act when they cut off funding for this home to be build.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXX XXXX  ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I filed for bankruptcy in XX/XX/2019 and have remained in bankruptcy. My payments went up about {$400.00} but kept going up within the next year and after 1 year went up almost {$1000.00} which I couldn't afford anymore. 

I called my mortgage company at the end of XXXX to see if I could apply for a loan modification and was told I did qualify. I was informed I would receive my paperwork 7 business days and would have 14 days to return them signed and notarized. Over the next 9 weeks I have called US bank at least 9 times to try and get the paperwork mailed to me or my bk attorney 's office with no success. I made the payment they verbally advised me to make and now at 10 week, I have not received my paperwork. 

Please help.
Product: Checking or savings account

I closed my Citibank account in XX/XX/XXXX because I find their online portal to be unhelpful. I was issued a {$35.00} refund to my account after closing it, and Citi told me they would mail me a check in that amount. It is now XX/XX/XXXX and it has never arrived. i just called today and they are apparently looking into the issue, but " do not know what has happened. '' While the amount is small, I want my refund as a matter of principle and because the company is so disastrous overall in terms of customer service. 

I closed my account after being unable to use my card multiple times, and constantly being locked out. XXXX XXXX and XXXX are both much easier options, as well as XXXX.
Product: Debt collection

WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.