23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Received XXXX emails on XX/XX/XXXX at XXXX indicating a wells fargo checking account was opened in my name. Called wells fargo on XX/XX/XXXX at XXXX and opened a case to investigate, freezed the account and in the process of having it closed.
Product: Debt collection

In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. 
-On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. 
- On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. 

For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. 

- On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. 
- On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. 
- On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. 

This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. 

PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population.
Product: Student loan

I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX, Equifax, and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I've discovered inaccuracies on my credit report ( s ). I've reached out to Equifax and XXXX, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my Equifax report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

Equifax has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX Furthermore, XXXX has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Product: Debt collection

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXXXXXX XXXX XXXX XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit.

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Product: Credit card or prepaid card

For the past year, I had a fixed amount automated payment and in the month of XXXX the payment didnt meet the minimum by {$8.00}. I was never notified by Capital One and they continued to charge {$40.00} every month since XXXX. I called Capital One today, XX/XX/XXXX and was told that capital one does not have the capability to notify consumers that the automated payment doesnt meet the minimum due. Capital One has many resources and I believe they purposely dont notify consumers in order to continuously charge the late fee, completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Majority of the information on my report is incorrect. There are collection accounts I dont know about, wrong address information, and also my score is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I have an inquiry from XXXX National credit cards airline, and I never did any business with this company. I would like it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARD : SEARS Date : XXXX of XXXX  Payoff {$340.00} Date paid : XXXX, XXXX  I got XXXX  during the month of XXXX My payment records were excellent I had auto payment ON on my account with SEARS The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called Sears and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
Sears said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX XXXX and XXXX got the report from Sears with the 30 days past due. 
I asked SEARS to remove the bad credit as I was an excellent payer and that with the XXXX  I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it. 
I sent XXXX hospital reports and still they didnt fix it It is hurting my good credit
Product: Mortgage

In XXXX on 2022 I made a mortgage payment of {$920.00}. The money was removed from my XXXX XXXX XXXX checking account and posted to United Wholesale Mortgage. However, United has stated that I have missed a payment from that time. I have been calling and messaging trying to resolve this issue for XXXX years. United States that they attempted to charge my checking account, but that it did not go through and that payment was not accepted. However, I received a XXXX XXXX report from XXXX XXXXXXXX XXXX stating that the charge was made to my account and no money was refunded in that amount at any point. When I attempt to reach out to United Wholesale Mortgage, they requested this document, but once I provided it they sent me in circles stating that they did not accept payment despite the fact that I provided the proof previously requested. 
United had used this incident to state that I am therefore XXXX  days late on each payment that is on time since then, accruing late fees and negatively impacting my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to dispute a item online and Im getting a error message on my Experian credit report I contacted Experian and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed
Product: Mortgage

RE : M and T Mortgage Loan # XXXX M & T bank has persistently misrepresented the fact around the late payment that was reported to the credit agencies in XX/XX/XXXX. After repeated attempts to correct the issue they refuse to see the facts.

The mortgage was started in XX/XX/XXXX as a FHA XXXX   Construction loan. The loan as agreed by the originator was to include 4 month of payments in escrow in addition to the construction funds and taxes which is a very normal, standard, and common arrangement in the XXXX loan process. 
The house was under construction and not receiving regular mail as M and T would be kneadable of during a major renovation. In XXXX I received a Tax bill from the town that showed a balance due. On XXXX XXXX as you can see in the phone records below I call M and T and asked them why I received this bill and asked them is the money for the taxes and the mortgage coming out of escrow as agreed. I was assured that the money was there, and the bills would be paid. I NEVER heard back from M and T and the XXXX tax bill was indeed paid but they were not paying my mortgage from the construction funds AS I WAS INFORMED ON THE PHONE. In fact you will see that I called them again on XX/XX/XXXX and no mention of this outstanding balance was made. It was not until I learned of the 30 day late from the credit agencies that I contact them to find out what had happened and immediately paid what they said was owed and have been trying to get them to fix the error on the reporting since. 
I NEVER Received a single call in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXstating that there was a pas due amount. Please see my phone records below, not a single incoming call from M and T. 
In a previous attempt to get them to correct this they sent documents and stated, here is what was due. Sending me documents 4 month after the fact does not constitute notice of payment due. M and T can send me all the documents they want now but it does not change the fact they NEVER contacted me to let me know that what THEIR representative misinformed me on the phone in the XX/XX/XXXX call. Additional M and T keep detailed phone records and can offer no proof that they did so and can offer no proof that I RECIVED anything from them nor attempted to contact me. It is unacceptable to mail me documents after the fact and claim I knew. I called to confirm that the money was in escrow and they confirmed this in the XX/XX/XXXX call, any claim or statement to contrary is a misrepresentation of the truth. M and T can provide no proof that after the XX/XX/XXXX call that they in any way attempted to contact me. If they say they mailed me documents, they must provide proof of receipt as no documents were received. If they say they called me after the XX/XX/XXXX call they must provide proof of the call. 
M and T needs to do the right thing and remove the 30 days late immediately with all 3 reporting agencies.
Product: Mortgage

Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.
Product: Checking or savings account

Overdraft protection plan issue. I am elderly, XXXX and XXXX. I receive direct deposit for my pension and social security monthly. Every month I am charged a significant amount of fees equal to {$38.00} each. I dont receive monthly statements and when I call by phone to try and reconcile my account I incur additional charges because I call multiple times to try and understand what is going on with my account. I dont have access to Internet nor a computer due to my limited income situation. Most recently my income tax refund was also direct deposited. My account is always in the red and when I call by phone I stop counting the {$38.00} charges after I reach 7 x {$38.00}. I feel I am being penalized because I cant see a statement and dont understand the overdraft protection plan on my checking account. I have been a checking account holder for several years dating back to XXXX XXXX XXXX and due to merger activity my account is now held by KeyBank. I need help. I cant afford these multiple {$38.00} charges each month and I cant afford to pay to dial a number to try and get my account details over the phone. I need monthly statements at no charge. Now KeyBank starts charging you after so many phone calls to their contact center.
Product: Credit card or prepaid card

Dear Sir Ma'am Enclosed you will find the requested legible copy of my check that was paid to Synchrony Bank Conn 's account for my CONNS Furniture account which was Paid in Full. The check that you received to pay this account off had my wife name on it in the payoff amount of {$1500.00} which was sent from her XXXX XXXX XXXX XXXX account to pay off my CONNs Synchrony Home Account. All of my funds that was paid to my Synchrony Conns account was paid to a Credit Card account issued by Synchrony that never existed or was never opened and used. The card that was sent to me was never taken out of the envelope nor was it never activated. When all other monthly payments were submitted on Synchrony Bank Website to pay on my monthly Synchrony Bank Conn 's account, the funds were going to an account that never was opened or associated. All of the payments were for a CONN 's associated account that never received one made payment from Synchrony Bank. After looking at information on my Credit Report showed that there were monthly payments reported for a 12 months timeline by Synchrony Bank. Each one of the payments were at least the {$80.00} to {$100.00} paid monthly in addition to the separate payment of {$1500.00} check sent from my wife XXXX XXXX XXXX XXXX Checking account. Request that all funds be returned to me. I have also tried to reach out to one of the CEO 's with Synchrony Bank to get this matter resolve. 
Thank you
Product: Mortgage

On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right.
Product: Credit card or prepaid card

I had a payment due on XXXX, I could not afford to pay my monthly payment so I plan on making both payments next month, which is in XXXX. Ever since I missed this first payment ever, Comenity Capital Bank has been harassing me non stop calling me 10 plus times a day, and from different numbers, as well as calling me for a private number.
Product: Debt collection

paypal was settled as per an agreement between me, XXXX XXXX and synchrony bank for an amount of a total, for2 accounts, of XXXX .on the XXXX th XX/XX/2021. 
they are now sending a new bill for account number ending XXXX as per our settlement agreement
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$9800.00XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX Balanced {$0.00XXXX XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXXXXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Charles Schwab Bank  of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Charles Schwab Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Charles Schwab Bank in good faith and am deeply disappointed in how they have handled this matter thus far. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. 
Accordingly, I respectfully insist that Charles Schwab Bank covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Charles Schwab Bank and have never had any difficulties of this kind before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$180.00} XXXX XXXX XXXX Balance : {$110.00}
Product: Debt collection

An AFNI creditor is now on my credit report stating that I owe them a balance and they are not the original debtor
Product: Bank account or service

i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints ..
Product: Credit card or prepaid card

Ive sent XXXX letters had issues with this in the past and XXXX  XXXX paid to settle just over a year ago- I dealt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I purchased a '' brand new '' face mask due to the COVID -19 pandemic and and when it arrived it was obviously used .... I disputed the transaction and XXXX  XXXX  closed the dispute. I have tried to write letters, the next step is again to file a small claims suit, like I did in the past.