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

Beginning in XX/XX/year>, XXXX began reporting a collection account in the amount of {$3500.00} with the creditor 's name being SpringOakCap XXXX XXXXXXXX XXXX XXXXXXXX. This is not my account and I have never had any type of dealings with either creditor, SpringOak Cap or XXXX XXXX XXXX. Being that my social security number and personal information has been used without my knowledge/consent, this is fraud. My credit was recently pulled by the State of Florida for a Mortgage Loan Officer license. My application was not approved due to this erroneous, innacurate item reporting on my XXXX Credit Report. This has caused damage to me financially, as well as professionally. Remove this account immediately. 

According to FCRA 15, Section 611 ( 5 ) ( A ), XXXX is required to delete all information that is inaccurate, incomplete, or which can not be verified promptly. This has not been done as of XX/XX/year>. 

According to FCRA XXXX, XXXX. XXXX, Section XXXX ( A ), I have the right to privacy. FCRA XXXX XXXX XXXX, Section XXXX ( A ), Section ( XXXX ) and FCRA XXXX XXXX. XXXX ( B ) state that a consumer reporting agency can not furnish any account information without my written instructions. I have not given XXXX permission to report this information on my credit report. I want this inaccurate, erroneous information that is being reported without my permission removed immediately. Since I have not given any consumer reporting agency, specifically XXXX, my permission via written consent to report this information, this is considered identity theft. Please delete this information immediately. 

According to FCRA 15, U.S.C. 1681 ( C-2 ) ( A ), a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

In addition, this Collection Company is not licensed to collect in the state of Tennessee which is where I reside. See the document attached from the NMLS Consumer Access site, showing where the company is licensed to operate. TN is not on that list. Remove this item immediately.
Product: Mortgage

Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for XXXX XXXX.
Product: Debt collection

XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
Product: Checking or savings account

N26 BANK DISCRIMINATES AGAINST THEIR MINORITY CUSTOMER BASE.N26 BANK IS NOT INCLUSIVE ; their customer service rep even asked if I am XXXX, n26 bank discriminates against military personnel, active/retired. For the past two months, I have contacted N26 bank to dispute my charges & N26 refused to assist me. Customer service reps purposely stalled initiating disputes to put my account outside the timeframe allotted to dispute charges. I HAVE PROOF THAT I SENT Proof TO N26 REGARDING PAYING BY OTHER MEANS. I have contacted N26 via social media, EMAIL & I HAVE RECORDED CONVERSATIONS RANGING FROM 2 months ago to two days ago. N26 BANK HAS PROVEN THEY ARE CONSISTENT WITH FAILING TO SERVE THE CUSTOMER AT THE LOWEST POSSIBLE DENOMINATOR. THEY LOCK CUSTOMERS OUT OF THEIR ACCOUNTS, PREVENTS CUSTOMERS FROM DISPUTING TRANSACTIONS, & ISSUES GASLIGHTING, PROJECTING, AGGRESSIVE RESPONSES FROM " XXXX ''. I AM A VICTIM OF N26 BANK 's DISCRIMINATORY/RACIST BANKING PRACTICES. I AM A VICTIM OF THE N26 FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account owned by COLUMBUS BANK & TRUST, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Product: Debt collection

Im really worried that XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. Jefferson Capital System LLC has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX XXXX never granted consent to Jefferson Capital System LLC to contact me. Jefferson Capital System has/ or purchased my private information without my consent. I never contracted with Jefferson Capital System LLC. Jefferson Capital is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand Jefferson Capital System LLC to validate this alleged debt. 
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for Jefferson Capital to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right 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 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, credit repair services, or other personal consumer reports

unauthorized activity reporting on my credit report on XX/XX/2022 XXXX
Product: Mortgage

My home loan was transferred over to Mr. Cooper approx. 2 years ago. They are truly the most incompetent lender I have ever dealt with. 

This is the second time ( within months ) that they have claimed I don't have enough Flood Insurance, which I do & I've proven it each time. 
The first time they claimed this they took extra payments out of my personal checking account ( {$140.00} x4 ) this was done without warning or notice. After proving them wrong they finally realized their mistake and after months of frustrating phone calls & emails I was finally reimbursed {$560.00}. 

They are now doing the exact same thing again and its only been approx. 5 months since the last debacle and there has not been any change to my Flood Policy. ( After the first nightmare I canceled my automatic payment so they wouldnt take more than my loan payment ) They are now threating me saying Im behind in my payments, theyve also tacked on late fees and theyre ruining my perfect credit. Ive reached out the insurance department and they have informed me its their mistake, again but they have not done anything about it. 

This seems to be an ongoing scam by Mr. Cooper. They take your money and make it very difficult to get through to them. They have rude credit collectors calling me daily. I have never missed a loan payment & I have a credit score of at least 780.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Debt collection

Good day, I can not express how frustrating and overwhelming this situation has been. To wake up and discover a debt that isnt mineunverified and completely unrelated to meis beyond disheartening. The constant harassment from various communication platforms using different tactics is unacceptable. I never imagined facing threats of legal action for something I have no connection to. This entire ordeal is deeply insulting as a law-abiding citizen, and it feels like my rights as a consumer are being completely disregarded. It has taken a significant toll on my mental health, leading to sleepless nights and persistent anxiety.
Product: Checking or savings account

This is my third CFPB complaint regarding Wells Fargos unlawful seizure of cleared government-issued funds. A State of Washington check for {$22000.00} was deposited into my account on XX/XX/XXXX. The funds cleared, and I accessed themconfirmed by XXXX XXXX, XXXX, and XXXX transactions ( attached ). 

On XX/XX/XXXX, Wells Fargo removed {$22000.00} under a transaction labeled Loss Prevention Closing Entry. They gave no notice, no refund, and have not provided documentation of a return to the issuer. The State of Washington confirmed no return was requested. 

I attached proof of : Cleared available balance of {$22000.00} The deposit and spending transactions The government-issued check with endorsement The transaction where Wells Fargo took the funds Their own message saying a positive balance would result in a cashiers check I request a full refund of {$22000.00} or detailed proof of where the funds went. This is a violation of Regulation CC, XXXX XXXX, and their own account closure policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have called the company EnerBank owned by Regions twice to find out how to pay principal down and also inquired on why my payments are being applied solely to interest. They say the only way to possibly pay more principal is to make two payments on the same day but this doesnt guarantee an all principal payment. They state interest accrued daily being the reason for this. In addition the terms of my loan are 20 year installment loan with set monthly payment of {$1000.00}. For the last few months I have paid early from due date and even doing so they are applying my set payment amount 100 % to Interest and only if I pay more is some of that applied to principal. They will not provide me an amortization schedule and given this is a closed end Installment loan I am unsure how I Would ever pay down this loan if the continue to not apply my payments to any principal. The rep informed me they are in Utah as if that gives them the right to use these unfair deceptive, bait and switch rent a bank scams on unsuspecting consumers. They are giving me no other options here than to file this complaint and informed me they have no complaint process and they would not have anyone else contact me. They also told me they act independently from Regions so there is nothing the parent company can do for me. They were not able to tell me who regulates them or who I could contact other than FDIC which is odd to me and FDIC is not who I should contact for there violations of the TILA and UDAAP. As it stands today I do not see how the TILA I have would suffice to inform a consumer fairly.

All I want to be able to do is pay my loan on time and have The appropriate amounts be applied to both principal and interest and to be given a way to pay down sooner.

I also filed an fcra dispute as they are not reporting this as a closed end installment loan but rather a line of credit which this is not. They changed it from a LOC to a personal loan but it is still not reporting accurately, my credit score dropped over XXXX points because of their inability to report the trade line accurately and completely.
Product: Debt collection

XXXX XXXX sold a debt from XXXX to ALL DEBT SOLUTIONS, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The date the debt incurred was falsified to enable the collection agency to report the debt to XXXX and XXXX credit bureaus. I spoke to the collection agency, who told me I opened the account in XX/XX/XXXX, but that was false. The report was opened in XXXX. The debt has not been paid since XXXX and therefore needs to be reportable to the credit bureau. 
I also asked them to provide me proof of the debt, and they refused to do so,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, PORTFOLIO RECOVERY Opened XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I closed on a Home Equity loan and line of credit on XX/XX/19 and the equity loan payed off my credit cards debt. 2 of my credit card payments were with XXXX XXXX. My loan officer told me he was going to pay the cards off and assured no problems. My XXXX XXXX credit cards had two different pay off addresses the first payment was paid in the amount of {$1100.00} and the second payment of {$2600.00} was never applied to my account. I was told that XXXX XXXX misapplied the payment and the payment was returned to my bank back office. I was not aware until a month later what occurred. When the funds was applied back into my account, I immediately made the payment manually to XXXX XXXX. Due to the error of the payment being delayed I received a late payment on my credit report. I have tried for over a year to get this resolved and cant get assistance from XXXX or US Bank. In addition to not processing my payments correctly. I would like like to dispute the closing of my loan. My loan officer did not include my taxes and home owners insurance and I requested it several times. My closing of loan was very confusing, the dates and disclosures kept changing. Had to come in to bank and email several times. I would like to file a company request against my loan officer. I have tried to contact him several times no assistance. Did not know I had to pay taxes until months later when I received bill from insurance company and state tax accessor. I am very dissatisfied with the service I received and feel US bank practiced predatory lending to customers. Can you please assist me.
Product: Checking or savings account

Bank of America has consistently being trying to charge me overdraft charges even when my account is not overdrawn. Mostly, when my account falls below {$25.00} they would charge me {$35.00} to ensure I have a negative credit. They then give me 5 days to bring my account to positive, failure to which they charge me another {$35.00}. 

This trend has resulted into some of my genuine payments being declined when they should n't. 

In XXXX, I noticed this and had one charge rescinded. On XXXX/XXXX/XXXX, the updated statement showed that I was charged {$35.00} overdraft fee even when my account balance was {$15.00}. This resulted in a negative balance of {$19.00}. I have screenshots of my account to back up my assertion. 

There have been many instances like this that I have allowed to go through because I did n't have time to argue out my case. I wonder how many people are being swindled in a similar way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Request for Credit Report Third Notice Dear Credit Bureau Name , I am writing to formally request, for the third time, a copy of my credit report. I have previously submitted requests by mail, providing all required documentation. I am entitled to one free annual credit report and have not yet received a response despite multiple attempts. I kindly request that my credit report be sent to the address listed above. 

For verification purposes, please find my details below : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Please process this request at your earliest convenience. I look forward to receiving my credit report within the time frame allowed by law. If there are any issues or additional information needed, I can be reached at the contact information provided. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Kia Motors Finance overcharged me for excessive wear at the end of lease. I wrote them several letters and included quotes from repair shops which indicate the over charge. The threatened to report me to the Credit Bureaus and I sent them another letter restating my position. They finally came back with a reasonable settlement amount, which I paid according to the deadline they indicated on the letter and Kia Motors Finance went ahead and reported me delinquent to the Credit Reporting agencies. This was totally unfairly done and I still have this on my credit report. I would like this removed. Kia Motors Finance was found guilty in a court action of improper and unfair credit reporting practices, that I experienced.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX  immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.
Product: Mortgage

My account is on a XXXX plan. I called and set up XXXX automatic payments in advance. I do not see where payment was taken out of my account. Called to speak with someone about the status of the XXXX withdrawal for the last XXXX days. Loan was also sold from Essex mortgage to Essex mortgage?? Originally, The customer service numbers would not allow me to leave a message, it stated I would have to call back. More recently it is requesting I leave my number and someone will call back. No one has called back. I am also getting XXXX notices when I am paying the payment plan as agreed. Help
Product: Debt collection

On XX/XX/2022, a caller from Comenity Bank called me and told me that I owed {XX/XX/XXXX} in due on a credit card. I told the person I can guarantee {XX/XX/XXXX} on that day, but she kept telling me to pay {XX/XX/XXXX} right now or later before the month is over. I told her what I had to pay right now but she kept telling me in a aggressive tone to pay the current amount. After hanging up the conversation, I checked the account of the debt and it shows {XX/XX/XXXX} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for a XXXX XXXX with carmax amount of {$21000.00} is supposed to be closed. The account was paid on the first car note but car was return due to electrical issues that Carmax couldnt fix. So that XXXX has been paid on time and was only supposed to be reported on my credit one time and I proved that it was paid with them because they asked me to send bank statements ( as CARMAX STATED THEY HAVENT RECEIVE PAYMENT ). I had to run my credit again for the car I have with carmax now ( XXXX ) and they received car title for vehicle ( XXXX ) on XX/XX/XXXX meaning that account is not supposed to report to my credit report anymore and should be closed. Carmax didnt call or authorize with me to put late payments for a closed account on my credit report. They keep marking my report late and that I owe another car note payment which I dont because they bought the car back from me.This account needs to be remove immediately as it harming my ability to obtain credit and a house due to this error.