23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I transferred both of my 2 open lines from XXXX to XXXX XXXX, thus canceling my XXXX account. On XX/XX/XXXX I received a phone call from a customer resolution expert XXXX for XXXX stating I had a balance due of XXXX for final charges. I made an appointment to make that payment and did so on XX/XX/XXXX in the amount of {$130.00} which is {$30.00} more than my regular monthly bill. I was assured this was my last and final payment needed. 

In XXXX of XXXX after I receive absolutely zero notifications of a balance due, a collection appears on my credit report from Amsher collection services for XXXX. I contact XXXX directly to obtain details on the charges due and am informed they are unable to give that information due to the fact that it has been turned over to a collection agency and I must contact Amsher directly. I continued by contacting Amsher directly, in which they inform me that they are unable to give me details just that it was final charges. They state that they will request the final bill be sent to me. I have also not received this notification. I again contact XXXX over the phone and am informed to go into an office and they can print out the billing and payment history for me. I proceeded to a XXXX store, where I was informed that their system can only go back six months and they are unable to help me. After reviewing my last bill of {$130.00}, I noticed that the address it is addressed to is incorrect ( pg 22 of 22 ) however my correct address is on the bill highlighted on page 2 of 22. Nobody is able to tell me what these charges are for or why I owe them after already making my final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called equifax for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from equifax and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with equifax. At that point I just gave up. I spent at least XXXX dollars faxing all my information to equifax for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.
Product: Checking or savings account

Ive been dealing with Capital One for more than a few years and the situation that Im currently in has never happened to me before .I am a victim of a very foul play action from someone that acted as if they were a part of the company that I applied to. Searching for jobs on XXXX  I applied to a company named XXXX XXXX XXXX, for a XXXX XXXX position the person name is XXXX XXXX starting XX/XX/2020 we started talking about the job and certain requirements that I would need and interviewing me to see if I fit certain criterias two weeks straight talking to this company everything seemed fine and OK until I was send a check to my home address of {$5900.00} this fund was to purchase equipment and other materials for the job since I was working for XXXX XXXX I was highly convinced and in need of some type of employment that everything seems OK. Once I receive the check and was able to deposit it on XX/XX/2020 the false employer was acting very sketchy and I begin to get suspicious and did further investigations on my own that I regret that I hadnt done before I submitted this check on XX/XX/2020 I confirmed with the actual company called XXXX that this was my situation and XXXX ( president ) of the company verified that this person was not a part of their department it was nothing but a scam and wanted me to break all ties. The person that goes by XXXX XXXX has been pretending to be apart of the company and other companies. However I contacted Capital One I couldnt do anything over the weekend because they were closed so first thing Monday, XX/XX/2020 I contacted customer service to report this issue and to figure out if I can get rid of the funds and close and change my account. In result talking to different departments they came to the conclusion not to affiliate with me anymore I feel like this is very unjust and unfair for me because I am technically the victim I have never in my life experience anything like this I never intentionally wanted to mess up anything that interfered with my financial status I called different departments talk to supervisors and nothing but the same response Im trying to figure out if theres anything else that I can do to maintain my account ive tried doing everything I thought me reporting this to Capital one will reassure me however it didnt. Being a XXXX  and trying to make ends meet this was the least of my expectations and I dont know what to do capital one is the only bank I trust and location wise easiest to navigate to and manage nothing much to complain about their services just want them to understand my situation and help me understand how to move forward
Product: Debt collection

Between in 2018 my identity was stolen through XXXX XXXX. There were multiple accounts in my name. Every time I would call to close the account due to fraudulent activity, the new account was compromised also. I would like LVNV FUNDING LLC to remove the amount of {$800.00} from my credit. in which they are claiming I opened on XXXX. And the amount of {$1400.00} from my credit, the date they are claiming I opened the account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, my mortgage company said that I owed {$8000.00} on my XX/XX/XXXX statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on XX/XX/XXXX and cleared the mortgage company on XX/XX/XXXX. In XX/XX/XXXX, I received another bill saying that I still owed an additional XXXX over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that BSI ( loan servicing company ) reported to all three credit bureaus that I was late for my XX/XX/XXXX payment. My broker at XXXX XXXX XXXX got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of XXXX to an average of XXXX and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems. <P/>In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the XX/XX/XXXX or the latest the XX/XX/XXXX of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the XX/XX/XXXX then they charge me at least {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit AcXXXX. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up to the CFPB complaint I previously submitted. I sent a letter on XX/XX/XXXX, requesting the Credit Bureaus to remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts and information not later than 4 business days after XX/XX/XXXX, please do so. Ive already included this in my previous Complaint # XXXX and # XXXX & I am including these items once again.
Product: Checking or savings account

I am compelled to file a formal complaint against Wells Fargo for unauthorized transactions on my account, and the ensuing substandard customer service experienced during my resolution attempts. 

On XX/XX/XXXX, around XXXX XXXX  XXXX, I received a deceptive call from an individual impersonating a Wells Fargo fraud department official. Under the assumption of speaking with the bank, I inadvertently disclosed personal information, enabling the caller to replicate my debit card on their XXXX and conduct unauthorized transactions totaling {$5500.00}. 

The perpetrator withdrew $ XXXX cash and cashed a $ XXXXXXXX XXXX XXXXXXXX. When I reported these fraudulent transactions to Wells Fargo, the response was inconsistent and perplexing. I was initially instructed to file a police report to pursue the cashier 's check claim, conflicting with alternate guidance from different branch managers. This only added to the confusion and delay. 

It is unfathomable that Wells Fargo validated and reimbursed the $ XXXX but rejected the $ XXXX 's check claim, especially as both transactions were linked to the same individual, performed concurrently, and at the same branch. This glaring inconsistency indicates a profound deficiency within the bank 's fraud detection and management systems, inflicting financial loss and undue stress. 

Subsequent communications with Wells Fargo 's executive office and my case manager, XXXX XXXX, led to further ambiguity. The $ XXXX was settled ; however, denying the $ XXXX persists without transparent justification. The opaque and contradictory information I received from various bank representatives has been exasperating and obstructive. 

Such discrepancies call into question Wells Fargo 's claim validation criteria and commitment to protecting customers from fraud. I want an exhaustive review of this issue and reassess my claim. 

I am requesting an urgent engagement to ensure equitable redress, including the full restitution of the unauthorized $ XXXXand an explicit rationale for the initial claim denial. The negligent management of this case by Wells Fargo necessitates your intervention. 

Having been a loyal Wells Fargo customer for 20 years, with both personal and business accounts, my expectations of the banks diligence and customer care were significantly higher than demonstrated.I appreciate your consideration and anticipate a just resolution. 

For yourconvenience, I haveattached a screenshot of the two transactions made that day, and a copy of the cashiers check made out to XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX XXXX -- - ( Wells Fargo has my first name, as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.
Product: Debt collection

Diversified Consultants makes robo calls to my home phone morning, noon and night. I do not owe anyone, absolutely no one, any money. They ring 4 times and then hang up. I want the interruption of my home stopped and stopped now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm wanting to change my account open date to XX/XX/2022. I am aware that Wells Fargo is currently reporting my account as is should. I Currently am enrolled in auto pay and my account has been paying on time for over 6 months. I am very thankful for the opportunity and hope to hear back soon Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Product: Mortgage

I was behind two payments and asked for a loan modification. A modification plan was set in place and I met the agreement plan. I was told that after the period of the loan modification the new agreed payments would be my new mortgage payment for the 16 year term of the loan The modification was made with Ocwen Loan Service. In the interim my mortgage was passed on to a subsidiary PHH Loan Services.  They disregarded the new modification and sent a new proposal amortized my principle to forty years and a balloon payment of XXXX at the end of my 16  year term. I told them that I would not accept those terms and that I rather keep the modification agreed upon with Ocwen. I have been making payments but the debt collectors said if I did not agree to sign the balloon agreement then they would reject my payments and then force us into foreclosure
Product: Credit reporting

I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. 
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. 
I want my fee refunded and my credit report cleansed. Thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. 

I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following addresses in my credit report be removed : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX I demand to also remove this employer do to the fact I do not work for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX PHONE : ( XXXX ) XXXX I also ask my employer is updated. I have enclosed the required copy of my drivers license with this address verifying that my legal residence is the XXXX listed here. 
Due to concerns for identity theft please delete all invalid addresses and employers. 

Thank you for correcting my consumer report. 

XXXX XXXX XXXX
Product: Credit card

I made a purchase to an online company called XXXX XXXX from XXXX in XXXXXXXX XXXX XXXX, a couple of days after the purchase, I contacted the seller and I got no response either by telephone or email, I thought this was a little suspicious so I contacted the credit card company Affirm to have them cancel the purchase about a couple of days later, the purchase went from pending to completed and Ive contacting affirm the credit card company Affirm, its been almost 3 months now since the purchase and affirm keeps telling me theyre still investigating, below is the credit card companies information. 
Thank you XXXX XXXX Affirm 's corporate headquarters are located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX
Product: Checking or savings account

I had decided to leave the bank as my main bank nand moved my direct deposit to another bank. I ; let them know but they continued to try to debit funds, this caused overdraws and fees from them.
Product: Vehicle loan or lease

This is my formal complaint against BRIDGECREST CREDIT C : In regards to Acct # XXXX. On XX/XX/2020 this company whom I did not receive financing through, repossessed my vehicle during a global pandemic. They failed to provide me with documentation regarding the repossession as stated in 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. I want Bridgecrest to provide a copy of the original sales contract with my signature that states the vehicle was initially financed through their company. BridgeCrest also did not have my written consent to report this account on my consumer reports which is a direct violation PURSUANT TO 15 USC 1692 ( 4 ) THE TERM CREDITOR MEANS ANY PERSON WHO OFFERS OR EXTENDS CREDIT CREATING A DEBT PURSUANT TO 15 USC 1692 ( D THE TERM CREDIT CARD MEANS ANY CARD COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY PROPERTY, LABOR, OR SERVICES ON CREDIT NOTICE THAT I AM THE CONSUMER IN FACT, THE ORIGINAL CREDITOR PURSUANT TO 15 USC 1692 ( K ) ANY DEBT COLLECTOR WHO FAILS TO COMPLY WITH ANY PROVISION OF THIS SUBCHAPTER ( FDCPA ) WITH RESPECT TO ANY PERSON IS LIABLE TO SUCH PERSON IN AN AMOUNT EQUAL TO THE SUM OF WHICH I SUFFERED NUMEROUS XXXX XXXX, JOB LOSS, AND RUIN MY REPUTATION I DEMAND YOU PAY INVOCIE IN CHECK FOR VIOLATION UNDER THE FAIR DEBT COLLECTION PRACTICES AND PURSUANT TO 15 USC 1692 ( C ) ( C ) CEASE COMMUNICATION WITH ALL REGARDING THIS ACCOUNT AND BLOCK AND ZERO OUT THE BALANCE AMOUNT PLEASE ACT QUICKLY AND PROMPTLY! The credit card used in this matter was my social security card which I did not provide to BRIDGECREST!!! As a result of their failures I want this account DELETED from my consumer reports.
Product: Credit reporting or other personal consumer reports

I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021