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

Subject : Discrepancy in Credit Reporting by XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX XXXXXXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX I received a collection notice from Jefferson Capital System in regards to doing business with XXXX in the amount of {$1300.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b this company is harassing me over a debt ; 15 USC 1692d Harrassment or abuse. Also, Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I deposited {$670.00} into an ATM and the closest Bank of America that I was next to. This was in XXXX, Arizona and Rural and Baseline Bank of America. When I deposited the cash, the atm printed out and error message saying the atm was out of order AFTER I used it. There were no signs on the atm and the atm itself did not have any error signs prior to my usage. After I deposited my cash and the error message was displayed, it printed a receipt with the error code however I did not revive my cash back. The cash also was not deposited into my account. The next day I woke up and found out that my account had been terminated and was not given any further reason when I went into the bank asking what occured.
Product: Debt collection

Tsubmitted a despute letter to have account closed because i was part of the XXXX data breach and these are the accounts that i needed to be removed credence resource management And XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen has approved us for a HAMP trial payment plan. After speaking with my relationship manager, I had some concerns regarding the documents I received. 
1 ). Will the holder of the note still be the securitized trust, Option One Mortgage Loan Trust 2006XXXX with the loan modification? 
2 ). If OOMLT 2006XXXX is the current note holder, why is the new unpaid principal balance with the loan modification higher than the balance in the trust? Unpaid principal balance in the trust is {$520000.00}, but the new unpaid principal balance in the loan modification is {$580000.00}. 
3 ). According to the HAMP website, we could earn up to {$10000.00} in principal reduction for making our mortgage payments in full and on time. But the incentive information provided by Ocwen states we can earn {$5000.00} in principal reductions for making our mortgage payments in full and on time. Why are we not eligible to receive the full {$10000.00} in principal reduction for making our mortgage payments in full and on time? 
4 ). Would like to understand why there was not a principal forbearance? 
5 ). Would like to understand why ca n't our loan terms be extended?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times sinceXX/XX/XXXX to try and get the account from XXXX XXXX in the amount of {$610.00} out of dispute. I'm in harms way with my funds in escrow trying to close on my home and they will not remove dispute account nor will they state on my credit report that the account is no longer in dispute. Asked for a supervisor on all calls and they would not let me speak to one as well as the supervisor said no need for me to talk to them that the representative is doing their job. They said that I have to write a letter and it will take them 60-90 days to reply. Really. I didn't have to write a letter for them to add the comments on my credit report but I have to for them to fix it. I really need this fixed asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX  XXXX card alleged balances. I called even last week XX/XX/XXXXand i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.
Product: Mortgage

On XX/XX/XXXX, I applied for a budget drafting plan that would change the timing of my mortgage payments from one lump sum on the first of the month, to two payments every two weeks. I spoke on the phone with a customer service advisor from Fairway Independent Mortgage Co., who said that the budget plan would take some time to implement, and that I should make my mortgage payment online in full on XX/XX/XXXX. On XX/XX/XXXX, I submitted my full mortgage payment online. 

On XX/XX/XXXX, I saw that the company had again charged me the full amount of the mortgage, then followed up on XX/XX/XXXX with a credit for the full amount. The company then charged me AGAIN on XX/XX/XXXX the full amount of the mortgage. 

I received two overdraft charges during this week as a result.

I called the customer service line at the company, and spoke at length with a representative and then with a supervisor. They refused to refund the payment, saying that I had done so with their permission. The supervisor denied the XX/XX/XXXX charge on my account existed, and demanded I send him a copy of my bank records to a fax number he provided. He also said that at the earliest the company would be able to refund me at the end of XXXX, and that I should just go ahead and accept the charges. 

Not only did the company charge me three times for the full amount of my mortgage and refuse to refund me, but they also charged me twice in one month for the full amount, versus what I signed up for - half every two weeks. 

Also it is suspicious that the supervisor would ask to have a copy of the bank records, when the company was at fault, in order to process a refund that would apparently take over two weeks. Fairway Independent Mortgage is playing loosely with consumer finances, and will end up costing me hundreds in overdraft fees as a result of their incompetence.
Product: Debt collection

I have over 100 spoofed calls and calls from this company. They call twice a day almost NEVER from their real number, and they use number spoofing using fake local numbers to call me. If I answer they make squeaking and screetching noises and hang up. This has gone on for 3 or 4 months now over a {$50.00} auto insurance bill I do not owe and is still in dispute.
Product: Debt collection

I have received numerous calls for debt collection for a credit card which is excessive. 
Calls received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There have been XXXX calls in 5 days. I believe this is harassment. Each call is logged on my phone.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX BALANCED {$760.00}
Product: Debt collection

I received a call today from a XXXX XXXX at Phoenix Financial Services about an old medical bill. At first he sounded like he wanted to help and let me know that I owe somewhere around {$430.00} for a bill from 4 years ago. He offered to settle it today for somewhere around {$250.00}. I told him that I would not make a payment today and he said " You don't have to pay the whole thing today, how about half? '' I stated that I was not interested in settling the account at this time and his response was " I understand but I am confused what you mean. '' I said " I am not going to settle this right now for that amount, what are you confused about. '' He responded with " Sir, this is your bill that you have avoided for 4 years so I'm confused about your lack of character. '' Who is XXXX to determine my character after a 1 minute conversation. I responded and said " That isn't the correct way to collect or get someone to pay. '' He said " Quite frankly I don't care, you have avoided this bill for 4 years and now you want to dictate how much to pay. '' Then hung up on me. I want this company to cease communication with me.
Product: Credit reporting or other personal consumer reports

Since 2021 I have been disputing this debt, and XXXX has been silent. I have never received any information regarding the debt and then they sued me for it. In negotiations with their attorney I paid the debt in full in exchange for it to be removed from my credit report. They dropped the lawsuit and only removed it from my XXXX credit report but left it on my XXXX  and equifax credit report. I simply want it removed from all my credit reports and the agreement I made with their attorney to be upheld. I disputed this multiple times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I've been disputing a medical bill with Experian from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted Experian recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a XXXX  in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau Experian or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with Experian due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Ok on XX/XX/XXXX a deposit which showed pending for XXXX. It stayed pending for 3 days. In between those 3 days I have made withdraws with still clearing good staying under XXXX but I also admit after the fact made 5 more knowingly withdraws that caused overdraft of {$430.00} ( not including fees ). Monday rolls around and the bank is charging me 13 overdraft fees at {$35.00} each, on top of that I received an email from the bank of XX/XX/XXXX stating " we had a power outage which caused pending transactions to take longer than usual if you incured any fees because of this contact the bank immediately to reverse fees '' I call them and tell then my situation and the fact I made 5 withdraws knowingly I would overdraft but I will not pay for 13. They refuse to do so and yell at me on the phone with no resolution, I stay patient they would hang up the phone on my face and I would call back they would answer put me on hold for half hour only to comeback yell at me again and hang up the phone. I had to call them 5 times and they refuse to understand what I was trying to explain. It even shows on my statement as if that pending deposit was put in on the XXXX and all 7 withdraws I made with that money still kept my money in a positive balance. So they had issue with pending deposit yet refuse to admit it. I even got a call from a supervisor within the same day name XXXX who said I didn't know what I was talking about and when it was my turn to respond to her words she hangs up the phone. I have recording of all the conversations except the first 2 calls I made as well.
Product: Payday loan, title loan, or personal loan

I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit company damaged my credit score by reporting an incorrect balance of XXXX  XXXX XXXX Credit card ending XXXX. My Equifax Credit Score was an XXXX and it drop to a XXXX do the Negligence of Equifax reporting improper balances. They report the account with a balance of {$16000.00} and my credit limit for this credit card is only {$2000.00}. My equifax credit score drop to XXXX and my credit Utilization is 842 %. My equifax has cause great stress in my finacial personal life. I was rejected by banks, credit companies, and ended with 3 loans with a high interest because I didn't know of the Equifax negligence. I am attaching letter from the Equifax website that they have not change my credit score and not change the balance of {$16000.00} dollars. I would for equifax to be liable for the stress and issues that they have caused with my credit. Equifax the company continues to be careless with people 's credit score, and reporting practices.
Product: Checking or savings account

My bank, Wells Fargo has levied XXXX dollars in overdraft fees over the last 4 months. My account has never overdrawn for more than a day, and each has been caused by a banking related delay, not a lack of cashflow. 

They refuse to consider reversing these fees which amount to unreasonably inflated interest charges.
Product: Payday loan, title loan, personal loan, or advance loan

Requested original contract with my hand written signature to verify accuracy of account which I have never received. They still havent sent over hand written signature on original contract. Reason XXXX requesting to have this account deleted from my XXXX, XXXX and XXXX credit profiles immediately and indefinitely. I have no knowledge of this Account this account was opened fraudulently so please remove immediately.
Product: Debt collection

Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..
Product: Debt collection

WAKEFIELD & ASSOCIATES is a company that appeared on my credit report that im not familiar with that put a Debt on my credit file in the amount of {$730.00} with an account number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax Lien still showing on my credit report. It 's been over XXXX years. The tax lien was showing a property in another county that I have never lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Checking or savings account

i have not received my direct deposit due to a 3rd party outage. this has been an issue since XX/XX/XXXX and i received and email on XX/XX/XXXX at XXXX pm saying it would be resolved by the XXXX  on XX/XX/XXXX and it is now XXXX PM pm XX/XX/XXXX and I still have not received my funds.
Product: Debt collection

I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Checking or savings account

Bank of America : On XX/XX/XXXX, I was the victim of theft from my personal checking account. During the afternoon of that day, through a back door program called XXXX, my account was accessed, password changed, and for what must have been XXXX hours computer thieves ( XXXX ) cancelled my notification requirement for on-line banking, ( XXXX ) contested Debit card charges for about XXXX weeks prior totaling {$710.00}, ( XXXX ) somehow ordered and verified a XXXX transfer XXXX XXXX XXXX in the amount of {$710.00}. On the morning of XX/XX/XXXX, I was notified by email that all of this had occurred. I immediately contacted Bank of America customer service and the fraud department to report this. I was able to change my password, filed a claim for the loss, cancelled the claims the " hackers '' ordered, and was assured that the funds would be returned. DID NOT HAPPEN. 

I have been around and around with the bank fraud department. They have alleged that the transfers and theft activities came from a " device used before '', which is not true, and have refused to provide the proof which on XX/XX/XXXX, they agreed to do so. I was told that it would take up to XXXX business days, long since passed. 

I called again and the fraud department has refused to even consider this claim. Now I a getting threated by the bank to close the account, which I do not care about, but to report me for credit. I have attached the information that I have in writing including emails from the bank from XXXX and up to yesterday. 

What I am seeking is return of the {$710.00} to the account, at which time I will deposit what is required to bring the account to " XXXX '' and will close it. A sad state given the long term relationship that I have had with them going back in some form to XXXX as XXXX  XXXX XXXX! 

Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Chexx Reporting inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : XXXX