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

As of XX/XX/2020 Mortgage account with Flagstar Mortgage is not reporting account or payment history. Information is missing. This missing information is damaging to my credit report lowering my FICO score by over 21 points. Attempted to fix this problem with the company last month via phone call. Information is still missing, 30 days later.
Product: Credit card or prepaid card

DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENCY ABOUT IM HAVING PROBLEM ISSUES WITH & BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INCOMM FINANCIAL SERVICES INC CONSUMER CUSTOMER PURCHASE XXXX XXXX DEBIT CARD AT XXXX  RETAIL STORE LOCATION CONSUMER CUSTOMER HAS PHOTO COPY OF ORGINIAL RECIEPT THAT HE PURCHASE FROM XXXX  RELOAD STORE LOCATION CONSUMER CUSTOMER LOAD XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX XXXX & AFTER THE CONSUMER CUSTOMER PURCHASE THE XXXX XXXX XXXX XXXX HE BEEN HAVING DELAY PROBLEM ISSUES WITH USING HIS XXXX XXXX XXXX CARD WITH PAYING BILLS ONLINE SHOPPING THE CARD COMPANY HAS CLOSE MY XXXX XXXX XXXX XXXX WITHOUT MY CONSENT FOR NO REASON PREPAID DEBIT XXXX XXXX CUSTOMER NUMBER XXXX CONSUMER CUSTOMER NEED ACCESS TO HIS FUNDS INCOMM FINANCIAL HAS BLOCK ACCESS TO MY PREPAID DEBIT CARD ACCOUNT CONSUMER CUSTOMER HAVING HARDTIME WITH INCOMM FINANCIAL UNBLOCKING MY CARD ACCOUNT CONSUMER INCOMM FINANCIAL INC REFUSE TO SEND CONSUMER CUSTOMER REPLACEMENT PREPAID XXXX XXXX XXXX AS WELL TO HIS PHYSICAL MAILING ADDRESS CONSUMER CUSTOMER DID NOT ASK FOR REPLACEMENT CARD TO BE MAIL OUT TO HIM
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA.

Specifically, I would like to dispute the following accounts : 1. XXXX XXXXXXXX Bankruptcy XXXX 2. XXXX XXXXXXXX Bankruptcy XXXX 3. Bankruptcy XXXX XXXX XXXX 4. Bankruptcy XXXX XXXX XXXX 5. Bankruptcy : Dismissed XXXX XXXX 6. Bankruptcy : Dismissed XXXX XXXX 7. XXXXXXXX XXXX XXXX late payment account 8. XXXXXXXX XXXX XXXX charge off account 9. XXXX  XXXX charge off account 10. XXXX XXXX XXXX XXXX XXXX charge off account 11. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX  XXXX instead of XXXX  XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA. 
The late payment account for XXXXXXXX XXXX XXXX  is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My accounts With my Bank of America Visa and my Bank of America MasterCard were both Hacked Money was withdrawn through my accounts deposited into my checking accounts and withdrawn these were done through cash advances that I did not make and then withdrawn from ATM machines one balance is {$13000.00} Dollars that includes interest and late fees and the Other is {$7000.00} I have notified the bank multiple times of this they Did investigation and declared that Ive benefited from this multiple Times information was put in wrong by the bank one time saying that this was Not my account that I opened another time saying that everything will be fixed and they will take care of this and they give a one time courtesy because Ive always made my my payments on time and were always current and that I never had any issues prior then I stay on the phone for hours being transferred around to different operators they were not documenting things properly I have disputed this probably about 10 times received one letter saying everything was fixed but then they come after me again. they have sent it to collections they close the accounts saying that I disputed And customer does not agree with decision I went from XXXX credit score to a XXXX I pay all my credit cards on time I do carry Balances but I make my payments on time. Then they discovered that they processed everything wrong that shouldve gone through my debit card accounts XXXX discovered this almost 2 years later thought everything was resolved and then I get a notice from an attorney that we were going to dispute in court. This is going on now for years he has been mentally affecting me And caused XXXX Im still battling it and get sick all the time I have gone to the bank its self in the customer service in the bank Its self and they have tried to help me with the credit card companies keep handling it wrong and still have not cleared the debt.
Product: Credit reporting or other personal consumer reports

I would like the XXXXXXXX XXXX account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX The second reason is because this account has been on my credit reports for XXXX years and XXXX months. This account has ran its course and should be removed.
Product: Debt collection

Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.
Product: Credit reporting or other personal consumer reports

Inaccurate information under my Social Security like my name, address, Inquiries ; 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 
Closed Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple calls received everyday from : XXXX. 

I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. 

Several times when I pick up, there is only silence on the other end.
Product: Student loan

XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overpaid by the Department of Veterans Affairs in XXXX of XX/XX/XXXXin the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with Transunion and XXXX ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account on my credit report from the creditor, " XXXX XXXX XXXX XXXX ''. Not only are they reporting this fraudulent account along with a collection agency this also reporting this debt. On my report it is three difference balances due on the fraud account. I have asked them to explain and provide me with details as the creditor has yet to. On my report is says the Original Balance is {$33000.00}, then it says the charge off amount is XXXX which is a XXXX difference, how is this even possible, but they don't see the error nor the fraud in this .... Then it shows a paste due balance of {$1900.00}. The collection agency is reporting two difference amounts as well on this fraudulent debt.. All of this effecting my creditor report and debt to income ratio tremendously. The fact this account is still reporting on my report as I have submitted documentation and police reports is mind blowing to me. I'm asking to have this agency remove this fraudulent account from reporting against me. I have called numerous times, been promised a supervisor would contact me back and still to date no one has reached out to me. I have asked them for proof of this debt and still I have yet to receive any type of verification of this debt.
Product: Student loan

I have made my monthly payments for XXXX and XXXX. The payments have posted and show paid at my bank and on Mohela 's website. Yesterday I noticed that there was an alert on my account that I do not owe a payment for XXXX as they " update my account. '' I called today, XXXX to ask what would happen with my XXXX and XXXX payments, and the rep " didn't know. '' The rep even asked their supervisor and they had no answer as to what would happen with payments that I apparently didn't even need to make. I asked about a refund or a paid ahead status and they had no idea how they were going to handle the payments, they said. They told me to monitor my account and there might be more information in a few days. This is totally unacceptable. How could they not have a planned ( and written ) procedure put into place before updating accounts and posting important account update messages to borrowers ' accounts?
Product: Mortgage

We signed a purchase agreement on XX/XX/XXXX to buy a home at XXXX XXXX XXXX XXXX, FL XXXX. The lender was mortgage Lenders of America. The MLOA loan number is XXXX. We were told the closing would be on XX/XX/XXXX. The closing did not occur until XX/XX/XXXX. During the entire process were not advised that any additional time was needed. We were only advised during the last week of XX/XX/XXXX. that a POA was needed because the co-borrower was not in the US and would not attend the closing, which was known by lender. As a result the co-borrow had to travel on short notice from Panama to Florida causing an unexpected travel expense of approximately $ 750.On XX/XX/XXXX the closing did not occur and we were told by the lender it would be the next day and day by day the closing date changed to the next business day. Finally on XX/XX/XXXX the closing occurred. As a result of these daily delays we encountered unexpected hotel and meal expenses of approximately {$1200.00}.
Daily complaint via emails were made to the MLA Loan Officer, XXXX XXXX. I also complete the MLA survey with all the same info and described their services as unsatisfactory, disorganized, not consumer friendly, among other negative terms. MLA made no further contact since the closing. We would like MLA to reimburse us for all the unexpected, unplanned travel, lodging expenses. If MLA is willing to pay those expenses, we will supply all credit card receipts and any expenses not charged to a credit card.
Product: Credit card or prepaid card

Last year I applied for to XXXX XXXX XXXX cards one  XXXX master card and the other XXXX rewards  Visa. In a matter of months XXXX XXXX close the accounts with you no reason when I called to request to have the bank account open and they stated no because it was past the 30 day tender I would like to see legislation passes law or banks can not close accounts within a year of the client having the account or if the account is in default my credit has been excellent and so has my relationship with them whats going on at XXXX Or that legislation is not taking action.
Product: Debt collection

Repeating calls to employer after being told not to call anymore. Calls personal cellphone constantly. Blocked number and now they call as Unknown number
Product: Checking or savings account

XX/XX/2021 -XX/XX/2021 For the past 24 hours I cant access to my account ( online, debit card ) for no reasons. 
I dont have money for my daily activities. 
PNC Bank is holding my account and I have to pay my bills which are due.
Product: Mortgage

Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.
Product: Debt collection

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance zero, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX ), account ending in XXXX paid in full, zero balance closed by consumer, account ending in XXXX, paid in full, zero balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Debt collection

XX/XX/year> - Current {$1000.00} I am receiving a negative impact to my credit report with XXXX. Southwest Credit System is reporting I have an account with them that is reporting delinquently since XX/XX/year> in the amount of {$1000.00}. I have reported this account to CFPB on several occasions in which it was removed then magically it reappears on XXXX under a different collection agency. I keep receiving harassing calls about a debt that I never owned. I have repeatedly asked for proof, such as a contract, signatures etc. to no avail nothing has ever been received. This false reporting is tarnishing my credit and all of the hard work I have put into paying my debts in a timely fashion to secure a successful credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB I'm seeking your help in a matter of a complaint I have with XXXX XXXX Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when XXXX spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to XXXX XXXX XXXX received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from XXXX dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings
Product: Bank account or service

Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.
Product: Debt collection

There seems to be a bunch of confusion over at Atlantic Collection Agency. I called them a number of times to verify an open balance of {$1200.00} owed to XXXX XXXX XXXX. They confirmed that was the only balance that I had, so I paid what they told me, and that was {$900.00} to close the account as paid in full. That was on the XXXX of XXXX and should have been reported on the XXXX of XXXX. I noticed that it wasnt remove so I gave them a call. After a lot of back and forth they realized that they've been mixing up my name in their system, placing my last name as my first, and vice versa. They're now saying the balance that I paid was actually for XXXX XXXX, and a balance is still owed to XXXX XXXX. I'm not sure how that is possible if it was paid back in XXXX of 2018, and they even reported it as being paid. The balance that I just paid doesn't even amount to either debt that I owed, but at this point they've been paid twice.
Product: Debt collection

My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.
Product: Credit reporting or other personal consumer reports

Equifax has requested me to send my personal information ( SSN, driver 's license, address evidenced by a bank account statement that contains further personal information ) in an effort to confirm my information is correct. I have sent once in XX/XX/XXXX and the problem was not fixed. Equifax said they received the information in XXXX but failed to explain why the account was not fixed so that lenders can access credit reports. Sent twice again - once in XX/XX/XXXX and second time in XX/XX/XXXX. Equifax said they did not receive either. However, the second XXXX mailing is evidenced by a receipt where an Equifax employee signed for the overnight package. This package contained a copy of my XXXX as well as address information. I have again today overnighted and sent by regular mail as I need to get the situation resolved so my bank can access the credit report. 

I am concerned that my personal information has been either lost or stolen by Equifax. They have inadequate processes to guard personal information, which they insist must be sent to a XXXX XXXX XXXX No email or fax is acceptable. Yet, their process has resulted in my personal information being lost or stolen. Again, I have evidence of delivery from the USPS. This is urgent and on the same level as a data breach- in this case personal information was misplaced or stolen while in the physical care of Equifax.