23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX I live with my family at XXXX XXXX XXXX CA XXXX, for several years. 
In 2014 I had a hardship due to my wifes tremendous XXXX medical condition she suffered I reached out to Wells Fargo for help and they advised me to stop making my mortgage payment and they assured me I would be approved it would the only way they could help me accomplish a modification. I took their advice and it has become a nightmare they have denied me from day one. 

I have been continued faxing all requested documentation to Wells Fargo litigation department but they have continually denied me, I continue to plead with them for a modification to no avail. I want the modification they assured me I would qualify if I stop making my mortgage payment
Product: Debt collection

XX/XX/XXXX told them to stop calling XX/XX/XXXX, XXXX, XXXX, & XXXX received calls
Product: Mortgage

I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caine & Weiner has reported a collection account to my consumer credit file. I do not owe this alleged debt.Caine & Weiner HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Caine & Weiner has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Caine & Weiner has reported to my consumer credit file. Caine & Weiner has no legal right to attempt to collect a debt as this does not belong to me. Again Caine & Weiner has not validated this debt nor sent me any notice of collection fordebt validation.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been going back and forth with capital one and XXXX about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with XXXX. I have a capital one credit card with a limit of {$6700.00} since 2017 and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by XXXX that there is nothing that they can do that this is a capital one issue even though I have a written letter from capital one stating they are reporting to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.
Product: Credit reporting or other personal consumer reports

Fraudulent personal loan account that is on my XXXX credit report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Received a phone call today ( XXXX ) that I would be served for a credit card debt of approximentaly {$2100.00} For XXXX XXXX XXXX XXXX from XXXX. 

I have not received any notification of this by mail nor has it showed on my credit report and this debt is XXXX XXXX XXXX.
Product: Debt collection

These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having the correct credentials ( I use a password manager ), when attempting to unfreeze my credit report at my.equifax.com, I'm greeted with a page that says " We are temporarily unable to complete this request. Please try again later. '' This has been going on for the last 45 days. Attempts to contact Equifax
directly have failed. There have been instances where I've miraculously gotten in touch with an actual human and they've actually hung up on me within 15 seconds.
Product: Credit reporting or other personal consumer reports

Company is trying to collect on a balance that is not owed to them. I have know dealings with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}
Product: Checking or savings account

I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to call XXXX TO GET SOME 'XXXX  " OFF MY REPORT I WAS PUT INTO COLLECTIONS VIA NCA . NATIONAL COLLECTIONS AGENCY XXXX XXXX  AND NCA AR SCAM FRAUD ORGANIZATIONS- OUTFITTED, I THINK MAINLY, TO GARNER PEROSNAL INFORMATION ANY FOOL GROUP OF CON XXXX CAN PUT YOU INTO THIS FIX. IT IS A SCAM. XXXX XXXX ( WHOEVER THAT IS ) SAYS IT GAVE YOU A LOAN, AND NCA, SITS BACK AND SAYS YOU MUST PAY IT. THEY WORK TOGETHER TO SCAM INFOMATION. I DONT THINK THEY ARE EVEN SERIOUS ABOUT THE MONEY. OR XXXX USES THEM TO GET YOU TO CALL IN AND GIVE YOUR INFO. 

I AM AN OLDER PRIVATE INDIVIDUAL. I ONLY RAISE MY HEAD ONCE AND A WHILE TO REFI MY MORTGAGE. I GOT SMUDGED HERE FOR NO REASON. 


I DID spent a half hour on the phone with XXXX XXXX, ( XXXX ). what a horrible experience Some poor XXXX speaking person named XXXX from XXXX answered. It sounded like I was talking into a great echo chamber. 
SHE said, they will get to a resolution on this issue with NCA, LOAN? OR WHAT EVER IT IS? " OUTSTANDING '' OR, least tell me who NCA is? ( The clowns that said I took a loan out from them???? AND OUTRIGHT LIE ) *****IT WILL BE A MONTH BEFORE I KNOW WHAT THE GIST OF THE STORY IS? THEY WILL MAIL ME THE RESULTS VIA USPS.

National Credit Adjusters Complaints This business currently has nearly XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly XXXX with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. 

ADD MY COMPLAINT TO IT!!!!
Product: Student loan

Confused as to why my loan keeps getting larger. I consolidated my loans and have been paying them regularly since XX/XX/XXXX ( prior I was in a forbearance ) I have paid a total of {$26000.00} since XX/XX/XXXX and a majority of this has been applied to interest only.
loan 0-01 : current balance is {$27000.00}, original amount owed was {$23000.00} and states I will pay a total of {$61000.00} at the end of loan.
loan 0-02 : current balance is {$18000.00}, original amount owed was {$16000.00} and will pay a total of {$42000.00} at the end of the loan.
It is stating I still have a balance of {$46000.00} My statements also show late fees applied on months I paid.
I believe they have lied/cheated or manipulated my loan. It also states my payoff wont be until XX/XX/XXXX. I have been paying extra each month to pay this down. Paying this much in interest is completely ridiculous and I ask for help.
I have an interest rate of 7.875 % and do n't know how this is calculated because how fast my loans have ballooned.
When I calculate my remaining payments it shows for loan 1-01, {$260.00} x 227 months starting XX/XX/XXXX and 1 payment XX/XX/XXXX{$250.00} for loan 1-02, {$180.00} x 227 months and 1 payment XX/XX/XXXX {$170.00} This would have me paying a total of {$100000.00} from XX/XX/XXXX-XX/XX/XXXX as my statement indicates.
How they can say I have a balance of {$46000.00} but when calculated it is {$100000.00} I do not understand and feel I am being ripped off. with the amount I have paid and what they say I will be paying, it is in the area of over {$120000.00} for a loan that was originally {$39000.00} ... I would be paying {$100000.00} in interest?! please help me
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.
Product: Credit reporting

A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report.
Product: Checking or savings account

My account was overdrawn from fifth third bank for over XXXX $ when I didnt even have a regular bank account that offered overdraft protection, now theyre saying I owe them when my account never shouldve been overdrawn. Ive made several complaints and claims about this situation before the balance even got that high even tried to change my account number.
Product: Mortgage

This is an extension of COMPLAINT ID XXXX I have not received direct communication from the company regarding the resolution or steps taken to address this matter comprehensively. I am writing to express my ongoing concern regarding the unresolved issue related to the erroneous withdrawal of {$5100.00} from my account and the resulting negative impact on my credit score.

Specific Requests to Newrez ( Shell Point ) : 1. Refund the amount of {$5100.00} : This amount was erroneously debited from my account 2. Evidence of credit repair : Provide formal documentation proving that my credit record has been corrected to reflect its prior state before the error occurred. My credit score was adversely impacted due to this error, and I need confirmation of the correction made to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me, they are the product of identity theft. My name and last name are very common and this can lend itself to confusion. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am a 100 % permanent and totally service connected XXXX veteran. ALL MEDICAL DEBTS PAID BY US TREASURY. i spoke with someone 2 years ago when contacted about it and told them my status and was told it would be forwarded to the correct department for correction. 2 years later it pops up as a derogatory mark on my credit and i disputed immediately because i check my credit karma account regularly because i have been vigilant and actively trying to improve my score to buy a final homestead over the past year. 5 disputes submitted and they keep coming back as accurate to XXXX. 

My complaint is about how obvious and simple it is to verify my claim and somehow after 5 months of alleged contact and investigation with the creditor listed bellow it has not been corrected yet. 

This is causing my credit score to be adversely affected for numerous other credit applications and my housing situation is needing to change in the next 6 months. 

I am worried i wont be able to get any type of home loan the longer it is not treated with the respect it deserves by either the creditor or the bureaus. 



CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Payday loan, title loan, or personal loan

XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX
No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXXL ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX has violated my rights.

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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Checking or savings account

USAA restricted my account on the XXXX of XXXX, XXXX  claiming that i was making too many wire transfers. 
The customer service said my account would be closed after 60 days, and on the XXXX of XXXX, XXXX  i reached out to the bank and i was told a check for my balance will be mailed out to me immediately. 
The bank charged me an expedited fee of {$20.00} but never mailed out my check. I have called XXXX  and the bank says they won't be releasing my funds and won't give any real reasons. 
I have in total of {$160000.00} in my USAA checking account ending XXXX and {$100.00} in my USAA savings account ending XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously contacted Experian about the incorrect reporting on my credit report. There is a Bankruptcy listed on just my Experian credit report and they keep saying they verified it from the source. When I contacted the source to find out if they give out information on consumers they sent me a letter saying they do not report bankruptcy or update information directly to credit bureaus. Experian is in violation of this reporting.