23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began receiving calls from XXXX and XXXX on behalf of Wells Fargo to collect a debt around XX/XX/XXXX. They said they are suing me for attempting to defraud a financial institute and breach of a legal binding contract. This was the first I have heard of this and I asked them to mail me something and they said they already had and that I needed to settle the debt or they would be bringing me to court and they would continue with serving me and it would only make it more expensive because they will also be requested that all of their expenses be covered when they do serve me and bring me to court. As soon as I told her, this seemed like a scam and I needed more information. She began pressuring me and saying that that's fine if that is what I think she is going to proceed with this it will go before a judge to be signed to be serving me and that she won't take money from me then. She refused to send me a letter of any sort to confirm anything she was saying. It is not on my credit report. They have continued to call me call my husband and my father-in-law. They had my father-in-law worried to where he wanted to pay something to prevent them from going after me and I'm concerned they are going to pray on the XXXX  to get their money by threatening his family. They call from different numbers. They also call my house phone. They've threatened to have me served at work as well. I have told them that I would be fine if they serve me because then I will get some sort of paper documentation and that if we do go to court, I am going to request that our phone call be played so they can hear how ridiculous XXXX was being on the phone with me and how she was trying to pressure me into paying something right then and got extremely upset for asking any questions and refused to help explain the charges of anyway, and also said that I could not pay Wells Fargo directly because their company had acquired it. They have referenced XXXX case numbers. XXXX and XXXX. XXXX of the numbers they are calling from are in the screenshots below. They call me by my maiden name, XXXX XXXX
Product: Mortgage

Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
Product: Student loan

Fed Loan Servicing has not counted my PSLF qualified payments correctly. I originally had one subsidized loan and one unsubsidized loan. FedLoan servicing split my unsubsidized loans into two " new '' unsubsidized loans without my permission or consent and this caused the payment count to be off. Both the old loans and therefore all three of the current loans should have the same number of qualified payments counted. I have been trying to get PSLF directly and through the ombudsman to get the payment counts fixed for the last 18 months but nothing has changed. When I call I am told that they have no idea when the recount will be completed.
Product: Debt collection

i called to discuss a settlement on my account. the call was answered by a XXXX XXXX XXXX representying XXXX XXXX and his debt service Zwicker & assoc.

After a formal id check this person became intolerant and offered me an unreal settlement amount. After he offered me a cash amount for immediate settlement which is not possible. 
On further discussion he told me that my wife is able to settle this account in full. 
My wife has seperate financial accounts and is not responsible for me in any way. 
He insinuated I was a liar. He became rude and intollerant and ended the call
Product: Checking or savings account

On XX/XX/XXXX, a checking account with XXXX XXXX XXXX was fraudently opened in my name. I called to report the fraud, and was given case # XXXX. I followed up on XX/XX/XXXX after receiving a letter dated XX/XX/XXXX stating that the account was overdrawn. I was told that no action had been taken on my original case, and was given a new case # XXXX. Since then, I have received 5 additional overdrawn account notices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an additional letter dated XX/XX/XXXX stating that the account was closed. I called to follow-up again after receiving the letter dated XX/XX/XXXX and was told that the bank was unable to close the account because there were fees associated with it. Today ( XX/XX/XXXX ) I called again after receiving the letter dated XX/XX/XXXX. I was told by the representative from the fraud department that " The bank has decided to stop communicating with you at this time. '' As of right now, as far as I am aware, there is still an open account in my name that I did not open, that a negative balance, and the bank will not work with me to resolve the issue.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} 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

Resurgent Capital Services is trying to collect on a debt that i do not recall ever making. I would like a validation of this by mail to prove it. I am retired and on ssi so my income is federally protected. acct # XXXX account ID. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to ask that they remove accounts ( that are not credit accounts ) that I did not give them permission to report. They have responded with letters saying they have investigated my concern, but what do they have to investigate? The law states ( included below ) that they need my written permission which I have not given. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I have contacted them via phone and regular mail with no remedy. The dates of contact are ; XX/XX/XXXX, via US Mail XX/XX/XXXX, via customer service line XX/XX/XXXX, via US Mail XX/XX/XXXX, US Mail XX/XX/XXXX, US Mail As a result, I am demanding they remove the accounts below. 

Additionally, I am requesting that along with deleting the accounts they submit to payment to me of {$1000.00} per account they have failed to remove over the course of the past year while we have been in communication. 


DEPT OF EDUCATION/XXXX XXXX {$6600.00} DEPT OF EDUCATION/XXXX XXXX {$4200.00} DEPT OF EDUCATION/XXXX XXXX {$8400.00} DEPT OF EDUCATION/XXXX XXXX {$21000.00} DEPT OF EDUCATIONXXXX  XXXX {$21000.00} DEPT OF EDUCATION/XXXX XXXX {$1300.00} DEPT OF EDUCATION/XXXX XXXX {$22000.00} DEPT OF EDUCATION/XXXX XXXX {$20000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$32000.00}
Product: Debt collection

I have reached out to the company to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with this company nor do I owe any debts. 




LVNV Funding LLC- {$620.00}
Product: Checking or savings account

I am a designated beneficiary of IRA accounts with XXXX XXXX XXXX XXXX which is with Bank of America and I am in a process of rolling the fund over. Someone reported to the Bank of America that I am dead just today on XX/XX/XXXX, so the bank confirmed that I am marked as dead in the system and all other accounts including my IRA were restricted immediately for anything and I couldnt do anything to operate any of my accounts with Bank of America and I cant believe that some can do a false report and a bank will take an action. 
I am aware that there is a probation case has been filed in order to go after those IRA accounts that XXXX the beneficiary of so I assume I need to take a legal action. Please consider my request ASAP. 
Thank you!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised during the Equifax hack. I checked whether I was impacted on XXXX XXXX XXXX. This is unacceptable for a company that has all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXXXXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt with experian multiple times and asked them to properly investigate this debt from XXXX XXXX for {$3400.00} that is on my credit report. I sent a written letter to XXXX XXXX requesting proof of this debt that it was opened by me as it was not. XXXX XXXX failed to do so, and experian has failed to investigate this debt properly under FCRA section 611. It is illegal for experian to continue reporting a false debt on my report. XXXX XXXX has never shown the copy of the government ID that was used to open this debt. If XXXX XXXX has no proof of who opened this debt, how is experian saying it is valid? They are just asking XXXX if it is valid and accepting a yes as validation. I will be forced to take legal action with experian if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and experian should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. Experian is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask experian to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is against Wells Fargo mortgage department. I have a home equity loan and I have been giving bi-weekly payments for the last two years. 
My XXXX payment has been made as a usual bi-weekly payment. The funds have been withdrawn from my checking account but yet I have not been given credit for my XXXX payments. I have called five times and spoke with loan representatives and have been told there is no record of due payments. I have proof and receipts of the withdrawal.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consuming Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my credit report and XXXX XXXX XXXX is listed as a charge-off on my report. I have never been notified by the company of an charge-off and this is effecting my credit score. It also has no balance even listed. This should not be on my credit report.
Product: Mortgage

Notified on XX/XX/XXXX that there was an escrow account shortage on my loan. Offered a interest rate reduction refinance to lower my monthly payment to make up for the shortage and soften the blow of what was to be an 85 % INCREASE in my payment ( from {$1100.00} a month to {$1800.00} a month ) Worked with the IRS to subordinate a federal tax lien to be able to do the refi. After weeks of no response I was told I no longer qualified for the refinance without explanation. Mid XXXX, requested and was approved for a 48 month spread on the escrow account shortage. 7 phone calls, countless emails and mailed correspondence to correct this error have been ignored. 
Since then, my monthly mortgage payment has increased with no response to my requests to rectify this. 

I called to request a 48-month escrow spread for a shortage on XX/XX/XXXX. I was told at that time that this was approved and would be reflected on my account by XX/XX/XXXX. 
Since then, my monthly mortgage payment has increased 85 %, no response to my requests to rectify this. 
On XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

Again on XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

I again called Freedom directly and spoke with someone who confirmed the error and advised that I call back the next day and this should be fixed. 

I did indeed call back on XX/XX/XXXX and XX/XX/XXXX to Freedom and this still had not been resolved. I was told on XX/XX/XXXX that a new ticket has been created and this should be escalated to be addressed and fixed. 

It is at that time that I made the new estimated payment of {$1500.00} with the representative over the phone to make sure I wouldnt incur a late fee or mark on my credit report. Payment was made, cleared and is showing in suspense. 

As of today, XX/XX/XXXX, the status is still incorrect, late fees are assessed and account is showing delinquent. Those fees are incorrectly imposed, the delinquent status is incorrectly imposed.
Product: Student loan

Navient has misapplied my loan payments and has not followed my instructions on how to apply over-payments resulting in an increase in loan balance. 

I made a payment on XX/XX/2019 as follows XXXX Direct Loan - Unsubsidized - {$50.00} XXXX Direct Loan - Subsidized - {$200.00} On XX/XX/2019 I provided Navient with notice of the payment, the confirmation number of the payment and specific instructions regarding how these payments should be applied. The payments were to be applied to the outstanding balance of the loan and were not to advance my monthly payment. 

On XX/XX/2019 I made my standard monthly payment which includes a payment of {$250.00} to loan XXXX and a payment of {$37.00} to loan XXXX. The full amount of the payment was taken out of my bank account but only {$200.00} was applied to loan XXXX and {$0.00} was applied to loan XXXX. 

I don't know why my payment was not applied correctly or where my money went. There is at least {$150.00} in payments unaccounted for plus the interest that has accrued because Navient did not applied my payments correctly. 

Navient sends out canned responses that do not answer my questions in response to my questions. Navient fails to apply my payments correctly. Navient fails to provide an accounting of how past payments are applied when requested.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from XXXX, XXXX And Trans union immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1900.00}
Product: Debt collection

Sent HIPAA letter on XXXX to XXXX XXXX and received a response via mail XXXX stating they couldnt locate account ( s ). I provided my name & address as it appears on my credit report in which they are reporting too.