23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX and Wells Fargo both claim that I opened up bank accounts with them when I never did I have documents for Wells Fargo to prove I never opened accounts but the fraud expands across a number of accounts cause I lost my drivers license passport and these accounts have been getting Opened
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the continuation of complaints filed against Experian about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called XXXX XXXX with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding two party contract with me? I want to verify that there is no debt parking on my credit report.
Product: Debt collection

ZIONS DEBT HOLDINGS {$1700.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They are trying to collect a debt from my XXXX  Sister. I do not owe them anything. I have had no contract with them and they have reported this to all three credit Bureaus. Who are they? They need to remove this from all three credit agencies. How can you use XXXX and create fake documents? I don't know who you are. You tried this on XXXX already now you trying it with XXXX.
Product: Credit reporting

I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of XXXX-Reported Collection from Credit Report Dear XXXX  I am writing to formally request the removal of a collection item that appears on my credit report under account number [ insert account number or reference number ]. The item in question was reported as a XXXX-collection, and I believe it is either inaccurate or improperly reported. 
Details of the Collection Item : Creditor Name : XXXX XXXX Account Number : XXXX Reported Amount : {$1600.00} Date Reported : XX/XX/year> Reason for Removal Request : Not Authorized : The collection was reported without my knowledge Enclosed, you will find [ copies of relevant documents, such as payment receipts, settlement agreements, or correspondence with the creditor ] that support my request for removal. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate : Conduct an investigation into the accuracy of the collection item as per the FCRA guidelines. 
Remove or Correct : Remove the collection item from my credit report if it is found to be inaccurate or incorrect. Alternatively, update the report to accurately reflect the status of the debt. 
Confirm Removal : Provide written confirmation that the item has been removed or corrected once the investigation is complete. 
Please notify me of the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this collection item from my credit report. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/2023 There are no on time payments from XX/XX/2023 to XX/XX/2023. This is inaccurate payment history reporting. I should have active payments XX/XX/2023 to XX/XX/2023 this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX failed to investigate this account properly after! repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts XXXX - XXXX XXXX
Product: Debt collection

Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.
Product: Mortgage

I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.
Product: Credit card or prepaid card

Today XX/XX/XXXX I had a payment of {$4000.00} due which i initiated online at XXXX. Capital one has an arbitrary cut of of XXXX after which payments made on that day are no longer applied to that day but the next and they are proceeding to not only charge me a late fee but tabulate interest in the balance and charge me that too. I submitted the payment with over 3 hours left in the day and have been told 'there is nothing they can do ( but charge me interest and late fees ) ' even though i submitted the payment on the day it was due, 3 hours before the end of the calendar day. The day ends at XXXX XXXX  and the law should not allow them to change the end of day arbitrarily to a time to allow them to collect more fees from consumers.
Product: Checking or savings account

US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.
Product: Debt collection

I am a victim of Mortgage Loan Fraud at the hands of Countrywide Home loans as lender and Bank of America as Servicer. Bank of America is guilty of trying to steal my home via a home loan modification. They have broken XXXX Federal laws under RESPA Servicing Rules under RESPA XXXX and Prohibiting Unfair, Deceptive or Abusive Acts or Practices XXXX and Loss Mitigation Procedures, Deficient Acknowledgment XXXX XXXX XXXX XXXX. Instead of acknowledging my request for help, they fraudulently and unlawfully obtained a summary judgment through XXXX XXXX, FL Court to get a sale date on my home. The sale date was cancelled, however, the summary judgment still stands. Through my own research, I have also discovered that Bank of America is guilty of Fraud, Fraudulent Misrepresentation, and Misconduct. The purported assignment of mortgage which was executed three ( 3 ) years after I purchased the " property '', and six ( 6 ) years after the Bank XXXX as Trustee for the Certificate Holder 's XXXX, XXXX XXXX XXXX Certificates, XXXX XXXX trust was closed. This is a violation of the Pooling and Servicing Agreement as by law the securitization process of the " note '' must be completed within 90 days and before the trust closes. " Borrowers have standing to challenge void assignments of their loans, even if they were not a party to or a beneficiary of the assignment affecting real estate contracts ''. XXXX v Bank of America, XXXX al. 
The notary ( XXXX XXXX XXXX XXXX signature on this assignment is forged ( robo-signed ) which is a felony and renders the assignment of mortgage invalid with a clear break in the chain of title. My injuries are a direct result of the invalid mortgage assignment which also renders the loan modification agreement between myself and Bank of America dated XXXX XXXX, 2012 void. There was no " loan '' to modify in the first place. According to Title XLI XXXX, Fraudulent loans are void. 
Bank of America is also guilty of criminal deception by executing a purported mortgage assignment that is in fact invalid and always was invalid and recorded such with the Florida XXXX XXXX XXXX on XXXX XXXX, 2012. According to Florida Statute XXXX XXXX XXXX XXXX it is ' Unlawful to file false documents or records against real or personal property '.
Product: Checking or savings account

Over the past year or two, I have been having issues with my available balance and overdraft fees. I use online mobile banking through WellsFargo because the text mobile banking is always inaccurate. Purchases made from Thursday to Sunday often do not appear until Tuesday at the earliest. Most are not shown as pending. They go directly to being posted transactions. Just yesterday, I transferred {$5.00} from my savings account because my checking was suddenly at {$0.00}. Today, my checking is negative, my savings is empty, and I was charged an overdraft fee. I believe they are adjusting not only the order in which purchases are posted, but they are not showing all pending transactions so my available amount is wrong. Which, in turn, causes overdraft fees.
Product: Credit reporting

it was a work related incident where I worked for a company XXXX and some wires where pulled down and the work place and the electric company wherein dispute as to who 's financial responsibility it was. the electric company wasnot getting results and decided to bill me personally. an XXXX bill. which wedid not pay and it was sent to collections. we sent it to the work lawyers and they said they would take care of it. it was paid a XXXX which I was unaware of tillnow when I applied for a mortgage.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems Account This company is a collection company and bought an old debt from XXXX XXXX XXXX. This debt was settled, however it is still reflecting on my credit report as negative and I need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested a copy of my credit report from Trans Union. While going over my Trans Union credit report I noticed multiple inaccuracies throughout the report. I compared the information that I received from my personal records, my creditors and other credit reporting agency and saw that Trans Unions information that they were reporting about my credit worthiness did not match the informed that I had on file nor did it match the information from my creditors or other credit reporting agencies. I demand that Trans Union do a full review of my entire credit report and verify all the information they have on file and correct the information that they can verify as accurate and delete all information they can not verify as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I filed a dispute with transunion for my auto loan account with XXXX XXXX XXXX ( account # XXXX ) to update the balance. I explained that the balance was {$1000.00} less than what was being reported. Instead of updating the balance, the account was deleted from my credit report which lowered my score XXXX points. I called transunion and they said that they deleted the account on XXXX XX/XX/XXXX because the creditor could not verify the account. I called XXXX and asked them and they said they do not show any contact with Transunion and that the account is still open and in good standing and should never have been deleted. They sent me billing statements and the contract along with payment history. I told Transunion I had this information that shows the account is still open and should not have been deleted. I was told it didn't matter, that the account was deleted because they couldn't verify the information. How can you open an investigation and delete the account the same day? And why does the creditor have no record of this contact or dispute?
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit reporting agencies regarding the fact that my personal private information was disclosed on report This letter is per the FCRA as a Federally protected consumer per 15 USC 1681. I am now opting out of any and all authorization I the consumer may have given you in the normal course of doing business that gave any written unwritten verbal and non- verbal consent. Pursuant 15 USC 6802 my right to opt out was never extended to me, as well as potential violations of 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6508,16 CFR 313.1, CFR 433.1-433.2. The Banking Act of 1937, The Privacy Act of 1974.

The following accounts listed below all have been found to be in violation of Federal law that protects of release of my nonpublic personal information to non-affiliates as a result of my internal investigation as well as numerous inaccuracies of credit file # Experian XXXX, report # XXXX, Report # XXXX, Report # XXXX, Report # XXXX. XXXX, EXPERIAN, XXXX, EARLY WARNING SERVICES are all third-party affiliations of the following corporations. 
I hereby demand validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation ratified by me. 
I hereby demand that XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account profile updates pending the investigation of any evidence you are instructed to update any detrimental information to paid as agreed. 
Thank you kindly, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Maryland XXXX Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX
Product: Student loan

Hello, I have not had an update on this issue as of XX/XX/XXXX. In summary, my husband has been on the phone with Mohela for hours from XXXX to XXXX with little to no response to the wearabouts of a check mailed. It has been confirmed cashed by the bank by Mohela. However Mohela can not tell us where the funds are or properly place the amount to my account despite over dozens of phone calls. 

Hello I spoke to agent number, XXXX, XXXX on XX/XX/XXXX from the XXXX XXXX, however she was not able to resolve my issue. I was transferred to the " Resolution Department '' however at that time the call disconnected, please provide an update regarding the issue below : Hello on XX/XX/XXXX a check from XXXX  XXXX XXXX for the amount of {$20000.00} was mailed by my husband from address XXXX was sent for the account " XXXX  '' to Mohela 's XXXX XXXX XXXX  address. However this is the incorrect account number, the correct account number for my account is " XXXX '' This check was cashed on XX/XX/XXXX by XXXX XXXX  XXXX XXXX  XXXX XXXX, Department of Education Mohela . However as of XX/XX/XXXX the amount of XXXX has not been deposited into my account. Please remit this payment to the appropriate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 my credit got ran for a chase credit card ( JPMCB card ) and on XX/XX/2021 my credit got rand for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX