23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am on a payment plan with XXXX  XXXX in the amount of {$170.00} monthly for medical bills incurred in XX/XX/XXXX. I've been paying this amount for long time. In XX/XX/XXXX XXXX  XXXX turned over a portion of the debt to Revenue Group, a collection agency. I contacted XXXX  XXXX and they would not help. I told the customer service agent I had been paying and didn't understand why a portion of the debt was transferred to the Revenue Group. She would not research my account or look at payment history. I asked to speak to a supervisor and she said someone would call me back. This was now weeks ago and no one has contacted me. The Revenue Group continues to contact me for payment of a portion of the debt. I disputed the charge and told them I've been making payments to XXXX. The Revenue Group sent a letter date XX/XX/XXXX stating the debt is valid and owed to them. I am sending Revenue Group another letter dated XX/XX/XXXX stating I've been making my payment per my agreement with XXXX   XXXX   and will continue to do so. I am not working with Revenue Group and there is no justification for my debt going to a collections agency. I have continued to make payments to XXXX  XXXX during this timeframe and they are accepting my money. I just made another payment today XX/XX/XXXX for the XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is the issue. I payed them completely off and they show a balance still on my report. Its reporting negatively on credit companys. I have asked XXXX  and XXXX XXXX to update its been payed in full and they wont. Wells Fargo is the complete issue and has put marks on my credit from getting loans or increased credit. I have called and written Wells Fargo multiple times and they do nothing. I have talked to banking employees and get the run around. I have talked to corporate and I get excuses and still reporting negative since XX/XX/2021. I payed a old balance and they wont update with reporting agencys correctly and they told me XXXX XXXX they will remove from file completely, but they keep lying and do nothing.
Product: Debt collection

I saw the account on my credit report and wrote the company and disputed it on all 3 credit bureaus, I never got an answer or correct information. I never opened the account. XXXX has deleted the accounts as you can see in the attached documents. I just want it deleted from XXXX and XXXX. 

There were 6 accounts from LVNV that were DELETED on my XXXX credit report listed below : LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX - Balance {$1600.00} LVNV - ACCT # XXXX - Balance : {$700.00}
Product: Debt collection

I c system is the name of the fraudulent account holder that continuous try and get money that I do not own. each year this company who I never did business with and have ask how you obtained my information about a non-existing account I have ask for any info as to why do you think I own you any money, since i have never did business with you, but this company keeps sending me fraudulent bills of XXXX year after year now they have somehow got this fraudulent information on my credit report. I do not know of this company or its dealings.my next move is to sue this company for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was mis informed by the agent with loan depot to ignore the email that I got from Loan Depot as they can see that I already put in the draft payment last XX/XX/2020. I have spoken to agent several times. I have all the records, even voice conversations with their agent. 

Loan Depot did not send out delinquency letter to my address. This is clearly a technical fault from their side. I also did not receive a MAIL not email regarding the change of payment location that Loan Depot for their permanent notice of servicing. 

I have all the agent information whom I have spoken with. 

This is very bad to mislead a client who has a perfect record for almost 11 years!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I received a copy of my credit report. To my surprise, You are reporting this account incorrectly. This collection account is reporting as XXXX. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me a copy of my new credit reflecting this account removed upon complection
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2005 XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX  XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX was open due to fraudulently using my information, my information was exposed in a data breach by XXXX, I want this account removed from my credit report, I am a victim of identity theft, Im filing this complaint with the CFPB to have account removed I do not want no fraud alert, all my information was compromised, my social security number and my drivers license information, I do have a ftc identity theft report filed and I will attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I have also provided you with copies of my social, current and past address and license. 
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Attached is a completed Sworn Affidavit of Identity and Residence.  Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX CHILD SUPPORT ENFORM, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All 16 Dept of XXXX
Product: Credit reporting or other personal consumer reports

i recently logged into my Experian credit file for to see a fraudulent XXXX  XXXX XXXX account reporting a debt amount of {$1500.00}, i've made several attempts for an investigation from Experian, approx 10 mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Product: Checking or savings account

I opened a new checking account with Regions bank requiring me to deposit {$50.00} in the account in order to go have a card made for me at ANY branch location, thats what I was told. I open and fund the account, today was the last day of waiting for the pending deposit to fully settle. I walked to the nearest branch to get my ATM card and was told by a nasty representative that the card was already ordered so I had to wait. Going back home to look into more information, I am told that I dont even have an eligible checking account so I try to open one and use the deposit of {$50.00} that I funded two days prior, as the deposit for THIS checking account. Still no access. So now this is day three XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello I am severely XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my brother and was XXXX very bad by an ex and family members for years my mother tricked me into going on a cell phone plan with her and then reported the phone stolen and wiped out the cloud also there's been a XXXX who's been stalking me who's also affiliated with my family who stole the XXXX card that I had in a government phone that I got and got into my XXXX account changed all my passwords and somebody purchased {$450.00} worth of cryptocurrency from XXXX with my debit card I get {$840.00} a month on the XXXX o the month I had {$590.00} in the bank I want to go purchase XXXX food and there was XXXX missing from my account to XXXX they tried to say I authorized these charges which I did not there's recordings of me calling sometimes twice every day in a month crying to please give me my money back begging and pleading I literally lost my house sitting and everything I'm XXXX XXXX XXXX XXXX because of this now I'm living in a XXXX XXXX because I have nowhere else to go because the police tried to say I didn't live at my address and that's how my family was getting over on me they would call the cops every time I would come home and I would get thrown out of my own house so they threw all my stuff out on the street and on the porch and I have pictures of it they were stealing my mail and everything my sister is a witness to all this as she herself has a PFA on certain family members they stole lots of money from my grandparents and tried to coerce him to lie for them the situation is really bad now direct Express debit card services took XXXX back out of my account which left me with {$390.00} they canceled my card on the XXXX when I asked him to please lock it until I could get to the ATM in the morning and now I'm sitting here with no food no money nothing because they canceled my debit card told me to call social security and now they charged me {$20.00} for another replacement card that won't get here until Thursday this company has also charged me {$100.00} to change my address in XXXX there's something with the phone my mother gave me there's a reason she did that and I reasonably that she either tried to frame me or do something very sketchy because they were all audited by the FBI for stealing money for the pandemic I really really need help with this I'm struggling so bad I'm severely XXXX and don't know what to do I need this money to survive and I need to get money to get to somewhere safe please help me you can reach me at XXXX and my name is XXXX XXXX XXXX I also have photos of the paper direct Express debit card services/ Comerica can do it Bank sent me by the flimsy investigation they did they tried to say authorized charges in which I never even had an account in the first place.
Product: Credit reporting or other personal consumer reports

I have incorrect information reporting on my consumer report with account XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian is reporting late payments which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Truck Finance ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) ran my credit without me knowing.
Product: Vehicle loan or lease

For the months of XXXX and XXXX, XXXX is reporting XXXX, however payments were made on XXXX and XX/XX/year>, neither of these payments are over 30 days late so it needs to be reported with a check on those months and pays as agreed as opposed to XXXX. This inaccurate reporting is hurting my credit score and hindering my ability to trade the vehicle. Attached I have documentation verifying payments being made. I simply request that XXXX update the balance and the months in question to pays as agreed to the 3 credit bureaus. Correct balance is {$81000.00} they are reporting {$82000.00}.
Product: Mortgage

I don't believe Truist ( formerly Suntrust ) has been applying my payments correctly. My Promissory note for {$110000.00}, XXXX XXXX interest, dated XXXX. It is a XXXX loan ( which I don't quite understand ). I filed for bankruptcy, Ch XXXX in XXXX. I reaffirmed my loan with Suntrust. At the time my balance was {$100000.00}. They lowered the interest rate to XXXX XXXX and the agreement stated that I have to pay {$520.00} for XXXX months, beginning XX/XX/XXXX. Scheduled to end XX/XX/XXXX. I have been made all payments. I know it takes quite some time for mortgages balances to drop because the interest is applied first, but it doesn't seem like my balance is going down. My current balance is {$92000.00}. Meaning over the past XXXX years, I've only paid {$11000.00} towards the principal. I have made all payments, even paying more than the amount due at times. I don't understand how this is possible. I began calling Truist XX/XX/XXXX. At first every representative I spoke with said my account is fine and that it will be paid off by XX/XX/XXXX. Then I explained that in order for this to happen, every payment I make for the remaining XXXX payments would have to be XXXX XXXX towards the principal. Then they research and claim that my loan maturity date was changed to the year XXXX. I tried multiple times to escalate my complaints with Truists. Each attempt has not yielded any success. I feel like I am being defrauded and I don't know how to get help. I have tried with my mortgage company, but I am not getting any answers. They keep sending me letters that don't address my complaint. When I call they say that my account should be complete and paid by XX/XX/XXXX but the paperwork they send through the mail is contradictory. I am worried that they will still say I owe money past the maturity date of XX/XX/XXXX.
Product: Credit card

To whom it ay concern : I purchased XXXX XXXX XXXX XXXX XXXX and I was told that it was a two year interest free purchase. 
After paying my monthly payments of {$200.00} per month ( XXXX XXXX ) for 24 months with a total of {$4800.00} paid, I was insure that the interest payment would not be applied if the monthly payments were satisfied. 

I received my first bill XXXX indicating that the interest occurred payment was due. 
The bill I received after the initial purchase was for the interest owed on this purchase. 
I never received a monthly bill or email about the terms, or the remaining payments before interest would be applied. 
I would have paid for this purchase in full if I was notified. 
I believe this company purposely ignored billing me the itemized statements. 
Thank you for your help ( I have attached the paperwork needed to substantiate this claim. Kind regards, XXXX XXXX
Product: Mortgage

This complaint is presented for recommendation of one representative from CFPB, because case XXXX was closed, but with this new complaint CFPB will keep open until I can recover my house that was stolen for a group of people and organization, who are dedicated to robe properties, including this Bank Gregory Funding. 
As I explained I want to report fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX employees, XXXX XXXX XXXX, XXXX XXXX Police Department and other involved including XXXX  XXXX XXXX XXXX. I presented report XXXX to XXXX XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited until to the robbers finished with the robbery in XX/XX/XXXX in XXXX. I also reported this robbery on XX/XX/XXXX to the XXXX when robbers stole my house and personal belongings. Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house. XXXX XXXX Office was involved to help to keep my property, but looks the robbers ignored what XXXX XXXX office did to protect my house and the corruption in government showed up. 

Sent from my XXXX
Product: Credit reporting

I submitted a dispute for inaccurate information reporting to Experian on 3 separate occasions. The last response came back as verified. On XX/XX/2017 @ XXXX I contacted XXXX who would n't share his last name, only that he 's on XXXX. I asked could he provide me with method of verification used to verify this record. I was told by the court house. I went on to explain to him I previously contacted the court house and they notified me they do not verify information. He continuously stated it was the court house. I requested the name of the court house, person 's name who verified the dispute, the address and phone number as well as any verifying documentation. He went on to say he could n't provide me with that information. FCRA, section 609 a ( 2 ) states the credit reporting agency must disclose the source of the information. FCRA section 611 paragraph ( 6 ) ( B ) states " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2021 I tried to access my credit report via XXXX  but received an error message that stated " A condition exists that prevents Experian from being able to accept my request ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.
Product: Student loan

XXXX refusal to provide transaction detailed receipt information, policy and terms related to offers, and refusal to communicate with the customer in relation to the account in writing This served as a documented proof of on going issues with XXXX Again each closed inquiry I will post to after to my story on cfpb website and give cfpb permission to publish XXXX stated they provided many offers and options. 

I asked for the detailed transaction receipts, policys and terms related to all offers included the one right before allied .. XXXX generalized the dates then XXXX  reached out to me I asked for specifics.. also asked for detail information regarding a refund on my account???