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

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that XXXX and XXXX shows auto loans accounts that need to be removed or shown as " current/paid as agreed ''. This has been hurting my credit, as I am in the process of purchasing another home. Please remove these accounts from my credit as soon as possible. They have {$0.00} balances.
Product: Mortgage

AroundXX/XX/XXXX I applied for a home remodification loan with Wells Fargo.  I have lived in my home for over XXXX XXXX and I had done one a few years back.Strangely, I was asked to go to a residence to sign the papers.  I was terrified of losing my home so I did not ask questions.  The colored arrows were there, just like the other time, to sign.  It was a stack of papers....I was nervous being in someone elses home so I hurried and signed the papers.InXX/XX/XXXX I was filing for bankruptcy.  All my bankruptcy consist of is my home and pay day loans.Before the meeting time before the Judge, the attorney asked me about the $XXXX I had borrowed from Wells Fargo.  I had no knowledge of this $XXXX.  It did not show on my statement at anytime.  The attorney said it had been posted at XXXX  XXXX County Courthouse on record.I was shocked.  We have 6 Wells Fargo branches and I was never asked to go and sign paper work for $XXXX.  Then when the attorney showed me the paperswork that had my signature it was a stack of XXXX papers.I testified under oath to the Bankruptcy Judge, XXXX   XXXX, XXXX, Texas, what I have said took place above.  I called XXXX about the $XXXX.  XXXX said they do not track money they give Wells Fargo.  They have no idea what Wells Fargo did with the $XXXX.
Product: Mortgage

XX/XX/2019. Picture show chat between agents and I. No APR was ever quoted with rates so it made it impossible to shop rates. I wasnt sure if either of them were even licensed. I had to physically ask. I feel deceived. Is Quicken not held to the same standard? I am uncomfortable.
Product: Credit reporting or other personal consumer reports

I received a notification that a hard credit check was done in my name by XXXX  XXXX XXXX  and Experian confirmed that with me. My name but not my address.XXXX XXXX XXXX says no records of that but its on my credit report with Experian
Product: Mortgage

My name My Name : XXXX XXXX Address : XXXX XXXX XXXX , XXXX Tx XXXX Loan # : XXXX XXXX Complaint Number XXXX was sent XX/XX/2019 ****** This is complaint # 2- I called in on XX/XX/2019 to make a payment of XXXX which is what i was told to pay during bankruptcy and a representative took my payment over the phone. On XX/XX/2019 I received a message from my bank that XXXX was submitted and returned ( not the XXXX ) And again on XX/XX/2019 they submitted XXXX. This caused my bank to over draft twice. That was an unauthorized / fraud charge. I called them to see what happened and they told me my payments increased and changed due to my escrow. I told them i didn't receive anything in the mail concerning an escrow increase. I called them back when it happened again and they said that the XXXX was my petition payment, again i received nothing in the mail of my payments changing. 
If you read my 1st complaint, they wouldn't run my check through a 2nd time when i was on a mod trail and now they decided to run it twice. Can someone tell me what i can do protect and keep my home with PHH Mortgage Company?
Product: Mortgage

BOA had inaccurately mis-posted payments on my loan that caused my mortgage loan to fall deliquent and inaccurate reporting to the credit bureaus. Now I am getting garnishment notices from the US Department of HUD for a partial claim that BOA failed to payoff when the home was sold. I 'm at a dead end and do not know where to go from here. Any intervention on your offices behalf would greatly be appreciated. The whole experience with BOA has been a nightmare up to this point.
Product: Debt collection

Found out that there was a debt collection for {$160.00} on my credit report. I was covered by XXXX at the time. I was never notified of the charge nor notified when it was transferred to a debt collection company. I only found out about this charge when I got XXXX XXXX. This charge was from 2010. I contacted SENEX Services and they have no record of it. I 'd like to pay the debt in full and request it be removed off of my Credit Score - or figure out why it was not covered by XXXX as it should have been originally ( XXXX informed me that I 'd need to contact the ER for billing, but the ER has no record of it either ) ... I just want this off of my credit report. It should n't be there as I was covered, I should have been notified, and I should be able to resolve this. If there is no record of this, why is it o my account?
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which stills appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are high injurious to my credit score. 

XXXX XXXXXXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me a updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than 3 to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans.

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my TransUnion score is XXXX points higher than my XXXX score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with three credit agencies where inconsistencies occur between all three. 

ISSUE : Credit Reporting Agency Compliance. 

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less. 

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I submitted a payment using a negotiable instrument on XX/XX/2022 it was delivered to the company on XX/XX/2022 I called XXXX ( XXXX ) XXXX on XX/XX/2022 they verified they received the payment and XX/XX/2022 and I was speaking with a supervisor and was placed on hold for over 45 minutes and I was hung up on at that point. This company is in violation of UCC 3-603. I've tendered a payment to the PAYMENTS Marked PAID IN FULL Address of XXXX XXXX XXXX XXXX XXXX TX it was accepted I never received the negotiable instrument back in the mail my account was not credited in the amount of {$5200.00}. According to federal law listed below this company is now in violation and is subject to fines and penalties due to fiduciary fraud.

UCC 3-501 Presentment UCC 3-502 Dishonor UCC 3-604 & 605 Discharge by cancillation or renuncation & discharge of indorsers and accomodation parties.
Product: Mortgage

in XXXX of 2010 I filed bankruptcy and surrendered the home to American Home Mortgage. American Home Mortgage neglected to retitle the deed into their name since the home was surrendered back to them in the bankruptcy proceedings. American Home Mortgage in turn sold the loan to OCWEN in my name. Owen demanded payments on a mortgage that was surrendered in bankruptcy. After several threats that I still was liable for the mortgage payments. I mailed them XXXX payments totaling {$12000.00} that they collected illegally and this was not a business practice. XXXX i filed bankruptcy and surrendered the home back to American home mortgage and they were negligent in renaming the deed to their name, American home mortgage sold my mortgage to OCWEN and Owen demanded all their money and i sent it to them not knowing and it went in their pockets. Then in turn Owen sold the Mortgage again in my name to someone else and the third party foreclosed on the home in my name and reported it to the fort XXXX XXXX sheriff as a foreclosure in my name. that deed should have been retitled 3 times once To American Home Mortgage, second then Ocwen Loan Servicing , LLC and then the third party. XXXX mortgage companies illegally left my name on the deed after surrendering the home back to American Home Mortgage and five years later foreclosed on the property that I no longer had possession of after the surrender in 2010.
Product: Debt collection

I lived in campus housing my senior year in college. Upon graduation XXXX XX/XX/XXXX ) I closed my XXXX XXXX account. Due to Covid all XXXX retail offices were closed so they asked I transfer the equipment to a roommate who opened a XXXX account to continue internet for the house. I contacted XXXX three times to make sure everything was closed out because I was leaving the country on a XXXX Scholarship to XXXX XXXX, XXXX never tried to contact me concerning any issues. They have my address, phone and email. 

While visiting the U.S. ( XX/XX/XXXX XXXX for a Covid vaccination, I received a text message from CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX stating that I had been sent to collections for the equipment for {$64.00}. 

I was never contacted by XXXX nor Credit management until they sent me to collections and entered a negative entry on my credit report. 

I contacted XXXX, and after talking to 6 different people, the issue was fixed but they said they could not remove the negative comments on my account. They wanted me to file a dispute with each agency instead.
Product: Checking or savings account

Hi i need help with getting access to my cd that was being used as collateral for a business credit card with bank of america. 

The credit card has been paid off to a XXXX balance and closed down but i still cant access the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 usc 1681. 

XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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.

15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not Rhenish 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.
Product: Student loan

Every one of my friends that I know, their loan starts repayment from XX/XX/. However, EdFinancial charged me {$580.00} for XX/XX/. I kept asking where this amount is coming from and it is not lawful to charge me that. Yet, I paid because I did not want that to affect my credit score. They said they will work on it with their team and get back to me and never did! 
All my loans I have are federal loans and are eligible for SAVE program! I kept telling them my income has significantly changed since last year because XX/XX/XXXX  I moved to California and am XXXX  now and I requested my payments to be re-calculated and lowest payment, the SAVE program. Yet, they still have not get back to me and I have a {$980.00} due in 3 days. Even on FSA website it shows my payment based on last year 's income should be {$910.00}. I don't understand where that discrepancy comes from in their website! They are very corrupt. I keep emailing and call them, they have never replied so far. Today I had to get a day off to contact them and still after 2 years being on the phone waiting, it automatically asked me to leave my name and they'll call me but have never yet! I don't know what I can do! They are very corrupt and lying and keep charging me unlawfully while I can not pay, I don't earn money this much now to pay! And yet I have a deadline in 3 days. I have complained to FSA but they haven't done anything they said keep calling them but if a loan servicer is lying and scammer, who can I reach out to? What can I do?
Product: Payday loan, title loan, or personal loan

Ive received a Pay Day loan with Check n Go in XXXX for {$300.00} and Ive received a call XX/XX/XXXX from representative who states this is considered fraud and if I dont pay the debt or give my bank information theyre serving me with a warrant for my arrest. The representative also requested a portion of the payment in order to stop a warrant from being served at my place of employment or home. I advised the rep I never received any documents regarding this issue and they advised it was sent to an old address but its my responsibility. Im really scared to give my bank info but Im also scared to be arrested for a {$300.00} payday loan that is now {$1400.00}. Is it legal for the threats and harsh calls with representative yelling at me?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

it started with XXXX charging me double for insurance coverage to the tune of {$6000.00} and i'm yet to receive refund. I called them months ago and they realized the error of over 2 years of overpayment of my insurance. They advised me I would receive a refund that was months ago. Instead of giving me a refund they have increased my mortgae amount to XXXX of my origival mortgage payment amount. Additionally, I went to pay my mortgage and the amount has increased from {$1400.00} to {$2300.00} per month due to this double charge. when I called to inquire about the drastic increaseI was told that my case was with corporate and that someone would reach out to me. Customer service also told me that they couldn't help me because of the fact that my case was with corporate. That has been weeks and no one has reached out to me and I know they will be charging me a late fee and I don't agree with that. They have also consistently charged me late fees even though their website prevents me from making a payment. I'm now at risk of losing my house due to the unfair and illegal practices of this company and nothing is being done about it. I need a resolution. They have been overcharging me for 2 years and im yet to receive a resolution and this is causing undue stress and hardship
Product: Checking or savings account

I ordered a cash card, when it got to me, I tried to activate it, it wouldnt let me. They have been giving me the run around for the past year or so. I need to re order a new card and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Product: Credit card or prepaid card

My beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and I live EXCLUSIVELY on our monthly Social Security bank deposits on which we CAN NOT MAKE ENDS MEET and now there is SOARING INFLATION! 

The Bank of America, with all due respect, is a XXXX  for refusing and adamantly so to lower the interest rate so I can make proper payments! 

THEREFORE, I have for many months indeed been unable to make the monthly payments on my two Bank of America credit cards both of which have been cancelled.

Nor pay the exorbitant late fees. 

The Bank of America has THIS CHOICE : Either help me out or XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX!
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX I request a credit promotion on XXXX XXXX XXXX for the purchase of two bedrooms furniture for the total of {$2400.00} to be payed in 33 months that ends on XX/XX/2021. The first problem was that they don't sent me the first statement and I call them to know what happened, they have the wrong address, because of that I had to pay {$170.00}, {$150.00} for the past due and current monthly payment, also that I have to pay a late charge of {$27.00}. The store never told me that the monthly payment are {$76.00} and that payment aren't fixed. Because I understand that the payment are fixed and as the balance go down the minimum payment go less each month, I pay {$170.00} instead the {$76.00} appear on the first statements. After few months and paying {$100.00} I notice that the minimum payment continue the same, {$76.00}, I contact the Synchrony Bank, the financial institution that support the promotional credit of XXXX XXXX XXXX and they told me that my contract are a promotional credit offer not a revolving credit card, so that I have to pay the {$76.00} minimum payment no matter what if I pay more than the {$76.00} on each one of the past payments I made. I call them and made a claim about that and they told me, that I can't pay in the 33 months now, told me that I can continue with the minimum payment of {$76.00} even if I pay in full in less the 33 months. 
I want to know what's are my rights to pay in the 33 months as told me the XXXX XXXX XXXX store where I make the purchase.