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

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Product: Credit card

On XX/XX/24 Bank of America Visa issued a Credit Balance Refund debit of {$1000.00} from my Visa  accounts to zero the account balance out. The account had only carried a credit balance for less than 72 hours at the time of the credit balance refund. Per customer support at BofA they " think '' but can not verify that a check was cut and will get to me in 10-14 days. Therefore my {$1000.00} is not available to me during that time. I was not notified of the issue or debit nor did I authorize the transfer of my balance. I assume there may be something buried the T & Cs that authorizes this but I have had a budgeting practice of pre-paying my credit card in advance upcoming expensing hitting the account for several years now with this never happening. I do find it unethical and a very poor business practice toward the consumer without any effort to communicate or authorize.
Product: Money transfer, virtual currency, or money service

I am a consumer with BofA I am complaining about a new feature on the mobile app which is XXXX I told bank of america I want to turn off the feature and BofA did help remove XXXX but i was forced to use it there is NO setting to turn it off in the mobile app and as a consumer I HATE USING XXXX PLEASE RELEASE A UPDATE TO TURN OFF XXXX AND REMOVE HER FROM THE ACCOUNTS PAGE AND I NEVER LIKED USING virtual assistants online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Product: Checking or savings account

Wells Fargo closed my personal and business accounts due to a management decision on XX/XX/23. My personal account balance at that time was {$110000.00} and my business account balance was {$5400.00}. They extended the closure of my account twice and finally closed my account on XX/XX/23 and held my funds and will not return them to me. The funds were sent to the Fraud & Claims Management Department and are being held in suspension until they receive verification information, which I have already sent to them. They are still refusing to return the funds and I do not know what else to do. I have been contacting them for over the last 2-1/2 months and they have told me several different things and have lied to me. This not only was harassment, defamation of character and financial ruins to me, but to my clients who were the individuals who issued the checks for me to deposit. This is not fraud or a scam and I have proven that to Wells Fargo Bank, but they are holding my funds illegally. I hope you will be able to help me and my clients. 

If you need further information, I have everything, but the telephone calls I made to Wells Fargo, but I do think they record them. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked and exposed in the data breach, leaving hard inquiries on my credit report from agencies that i have not receive service from. Companies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all companies that have I been a victim of and I became aware of it on XX/XX/XXXX. I have taken immediate steps to address this situation, including contacting companies, freezing accounts, and filing reports with other agencies, but I am requesting that the CFPB intervene to investigate the breach and ensure that any necessary actions are taken to safegaurd my personal information. Under the Fair Credit Reporting Act and under section 605 b, I understand that I am entitled to request assistance in disputing any unauthorized disclosures of my personal information.
Product: Debt collection

I have a debt collections account delinquency added to my credit report. 
No prior contact was made by the company, Before adding it to my credit report.
Product: Mortgage

The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of XXXX, NJ. I was making payments quarterly to the city of XXXX. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of XXXX, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 

2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 

3. The lender made the payment on the taxes on XXXX/XXXX/XX/XX/XXXX, but retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00} and retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00}. How can the mortgage owed for the month of XXXX/XXXX/XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX increase when the Escrow account was opened after these dates? What is to prevent the lender from retroactively increasing the mortgage payments for all the months of the entire year of XX/XX/XXXX or previous years? 

4. The payment that I sent to cover the XXXX/XXXX/XX/XX/XXXX and XXXX/XXXXXX/XX/XXXX was only applied to XXXX/XXXXXX/XX/XXXX. The mortgage lender increased the past due amount of XXXX/XXXX/XX/XX/XXXX from {$1600.00} to {$3200.00}, after I sent my payment. I did not sent enough to cover the new past due amount for XXXX/XXXXXX/XX/XXXX. Instead of applying a partial payment to XXXX/XXXX/XX/XX/XXXX the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over XXXX days delinquent on the loan. 

5. It is now XXXX XXXX, XX/XX/XXXX and I have not received my statement for the month of XXXX XX/XX/XXXX The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 

6. I am a XXXX, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 n 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  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Debt collection

In XXXX i notified capital one that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX following a severe accident in XXXX. I told capital one in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to XXXX XXXX XXXX who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of capital one. I attempted to settle with XXXX XXXX XXXX minus the recovery fee and past due fees and was immediately sued.
Product: Credit reporting or other personal consumer reports

I cant see my updated report or score on Experian. I have sent documentation to verify my address to have a address on file
Product: Vehicle loan or lease

I had a loan on a XXXX silver XXXX XXXX XXXX Santander Consumer USA. Due to Covid 19 I was in a very difficult situation and I was late on the last 3 payments of my car. On XX/XX/XXXX my vehicle was repossessed from my apartment. It was then sold on XX/XX/XXXX for {$30000.00}, I owed {$11000.00} to the bank. Now I have a surplus of {$18000.00}. I have called countless times and they tell me I have to wait until accounting comes through with the payment.
Product: Credit card

I have recently checked my credit report and I am showing XXXX late payments on my account due no fault of my own. I requested that my statements be mailed as soon as possible to a different address due to me leaving town on an emergency and not having computer to pay for it online as I usual do. I was informed that this understandable and that all payments were received on time as arranged with the reps. I do not understand why I have XXXX late payments showing on my report when I made a payment arrangement each time and was told I had nothing to worry about and everything was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however XXXX ignored my requests.
Product: Debt collection

Ireceived mail from FRANKLIN COLLECTION SERVICES, INC saying I owed a alleged debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX VIOLATED Title 15 USC 1692c ( b ) prohibits communication with any one except consumer XXXX XXXX XXXX VIOLATED Title 15 USC 1681a ( 4 ) right to privacy Evidence of Violations is included with this complaint ( Exhibt A )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian notifying them that the below accounts are reporting the wrong account balance, balance history and updated current balance. The balances being reported monthly are false and in fact the information doesn't make sense. For example, in the balance history for all the accounts below they show that a payment was made XX/XX/XXXX. The accounts were supposedly updated each month with a new balance, however, in the balance history the balance " after payment '' is different from the current balance owed. How is it possible for all the accounts to have been paid XX/XX/XXXX but have an update each month with the balance seemly decreasing. This is a clear violation of 15 U.S. Code 1692f - Unfair practices. 

These are the accounts in dispute : CHILD SUPPORT XXXXXXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense.. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. Transunion not sending me report back about investigation when I send several request I am attached the result from Transunion that three collection was removed from my report and XXXX and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted to a hard inquiry on my credit report from Carmax. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a $ XXXX loan in my name and purchased a vehicle through Carmax. Apparently this had occurred within XXXX hours of the XXXX hard inquiry. I once again alerted the credit bureaus and Carmax and filed a police report. 

Carmax was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX ) I received word from XXXX that they had concluded their investigation and that Carmax maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, XXXX and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.
Product: Checking or savings account

On XX/XX/2018 Santander allowed {$3400.00} to be withdrawn from my account without notifying me. Thus they were complicit with scammers in stealing. Santander have never made public the receipts of the transfer on XX/XX/2018 or the transfer deposit or {$3400.00} into my account Nor have they made public the receipt of the request to take the same amount of funds out of my account. We only have their word that the funds were place into the wrong account. it is my accusation that they did not check the original receipt to determine if the funds were put into the wrong account. nor did they contact me to ask if I was aware that the funds were expected. It stead they work around my approval to remove the funds nor did they verify that the funds were in fact went into an account not requested. 

I expect that Santander make all documentation public and a copy given to CFPB and to me. I was expecting the funds to be deposited into my account and i gave my account numbers and Bank address ( XXXX XXXX ) and the name on the account so the funds could be deposited. I was unaware that this was a ploy to steal the funds ( reducing my savings ) By allowing this to occur without notifying the account holder or to checking the receipts the bank is allowing a back door for scammers and thieves to remove funds in a fraudulent manner
Product: Credit reporting or other personal consumer reports

I accordance with Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, sent a letter to XXXX to dispute the accuracy of fraudulent accounts found on my credit report ; specifically, a loan account opened by SCRATCH FINANCIAL on XX/XX/XXXX without my knowledge or consent. I informed XXXX that I did not open this account, now did I authorize anyone to use my personal information to open this account. I also filed an Identity Theft Report with the FTC. I provided a copy of my FTC Identity Theft Report, a copy of my drivers license, proof of residence, and a copy of my credit report. I asked that XXXX remove the fraudulent account and block any future reporting. 

XXXX refused to block the fraudulent report after XXXX business days. On XX/XX/XXXX, I received a notification from XXXX that they completed their investigation and found that the account was verified and accurate. However, this is not true because I have been in communication with SCRATCH FINANCIAL who is working with me to investigate the fraudulent account ( see email from SCRATCH FINANCIAL dated XX/XX/XXXX ). If Scratch Financial, the company which opened the fraudulent account, still has not completed their investigation, then XXXX can not have possibly completed their investigation. 

On XX/XX/XXXX, I attempted to call XXXX again to discuss the dispute results and was not able to get a live agent on the phone and was not able to file a new fraud dispute. As of this date a fraudulent account opened by SCRATCH FINANCIAL remains on my credit report and has caused my credit score to be negatively impacted.