23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My payment history is being reported to other banks incorrectly. We are attempting to refinance our XXXX XXXX mortgage. Seterus is stating that we have been past due. we modified our mortgage after our bankruptcy and now our mortgage is current. We have made our payments on time since XX/XX/XXXX-XX/XX/XXXX. I would like a letter stating that payments were made on the XXXX of each month. Thank you XXXX XXXX XXXX Loan # XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC This company is reporting negatively on my credit. The statue of limitation is 5 years in the state of Florida. At this time I am request all # account being reported be removed from my credit report. This is having a negative impact for old and uncollectible accounts. I want these accounts removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXX 2017 XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

I filed a complaint with you regarding inability to activate my card. US bank left me a message yesterday saying they believed they had a solution to my problem. The woman asked me to call back at :. ( The line went silent ). I called the number she had called me from and was put on hold listening to obnoxious modern country music for half an hour. I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unathorized inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I wrote XXXX XXXX  exercising my right to opt out of them reporting any information on my credit report, they have not complied.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

have been calling for months in 2017 each day 2-3 times per day. 
It is a scam as I do not have any debts. 

Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. 

Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.
Product: Mortgage

I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure.
Product: Debt collection

Repeated robo calls at different times of the day and from different phone numbers. XXXX XXXX is what pulls up on phone ID. We have no dealings with this company and it will not stop. Madding ... .First calls start every morning at XXXX. I have blocked on XXXX and on XXXX. Phone rings once and stops.
Product: Debt collection

I subscribed to the XXXX XXXX for a year in XX/XX/2020 through a XXXX one year subscription. I did not renew the subscription but received many phone calls asking me to renew even after I told them to remove me from their calling list. Now I received a debt collection letter from A.R.M. Solutions ( XXXX, CA ) on behalf of the XXXX XXXX saying if I don't pay a debt of {$42.00} a negative record will be submitted on my credit report. Not renewing a subscription is not a debt, and these scare tactics by the XXXX XXXX are anti-consumer and I feel likely illegal. 

XXXX order : Purchased on XX/XX/XXXX Item # XXXX Redeemed on XX/XX/XXXXCollection agency : A.R.M. Solutions Inc Client Acct # XXXX Agency Acct # XXXX
Product: Consumer Loan

After multiples inquires with the general number and visiting the branch I was advised by Wells Fargo that I do not need an account to qualify for a personal line of credit. The website was n't explicit either hence why I deferred to calling the general number and visiting the branch before applying. After all my inquires I made it clear I was looking for {$100000.00} and wanted to know key eligibility requirements. I was never told an account would be a basic requirement ( even after asking ) and was led to believe income and credit would be the major factors. Nevertheless, after all my attempts to understand basic qualifications we ( my fiance and I ) were denied after applying primarily for not having an account. I not only think this was unfair but it was deceptive because other major competitors clearly outline qualifications which I will submit as evidence. 
To add insult to injury I was contact by an underwriter I believe from California to further question the application after applying. At this point I was advised we wo n't qualify for the {$100000.00} because of no relationship and minimum assets with Wells Fargo ( thank you for telling me after applying ). However, I felt somewhat relief that we would be able to receive a counter offer up to {$50000.00} without having a relationship per the representative. I was then advised to allow further processing and to follow up with the banker that assisted me. 
After, following up with the banker and her manager they were both in shock of the denial of credit considering our credentials and escalated the issue. Long story short, the resolution was we were not qualified because of no relationship and limited assets with Wells Fargo and too many recent credit accounts opened. Please be advised recent applications of credit and restructuring of my debt was tactical to reduce my debt to income and increase my chances of credit approval before purchasing a home which would increase my debt to income. 
Bottom line, had we known what we knew after applying we would n't have applied. We would n't have based our future plans on the possibility of a credit line and would have seek other alternatives. However we did, we felt like we did our homework and prepared for success but still failed due to misguidance. Now what?
Product: Credit reporting or other personal consumer reports

I have been attempting to get my Equifax credit file unlocked by Equifax consumer affairs department and they have NOT been doing their job. Every time I call in they lie and say that they have completed the task and that I will be able to see my credit score or that other companies and lenders would be able to see my credit score, but after waiting the 24 hours MULTIPLE times my credit is still block and lenders are still unable to see my credit report. I can not move into an apartment either because my credit score is being blocked. I reached out to Equifax on XX/XX/year> about this issue again I spoke with XXXX at XXXXXXXX XXXX EST FRO MTHE CONSUMER AFFIRS DEPARTMENT. XXXX seemed be joking on the phone and he did not unlock my credit score after stating that it would be unlocked after 24 hours. XXXX gave me a confirmation number meaning that the issue would be resolved or solved and nothing happened the confirmation number is # XXXX. I do not believe that this is a valid confirmation from XXXX. I believe that XXXX lied to me and that is very unprofessional for a major company such as Equifax to do something like this. I would like for my credit report to be available for lenders to see so that I can move into my apartment and have the option to apply for credit cards. also there they confirmed that they have received y identity documents multiple times and they told me that they received my request in XXXX and just never processed anything. that is very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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.with no help.
Product: Debt collection

I have been getting repeated calls from Credence for a bill and also from XXXX XXXX. These calls are occurring multiple times a day and they are hot leaving a message. Credence called twice in a two-minute period.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Today, I received an unsolicited Cash App card in the mail. Based on internet research, the card appears to be a prepaid debit card. XXXX, XXXX XXXX appears to explain that they send these out by request WITHOUT a credit check. If they did a credit check, they would have found that I have a credit freeze on and opted out of credit card offers. 

This is esp. worrisome as someone fraudulently filed for unemployment using my information. 

The useless phone number given online to contact XXXX XXXX instructs you to listen to their online instructions. No live person can be reached on any branch of their " Customer Service Line '' ( XXXX ) The only way to get to customer service for this card is to activate the card and download their software to a phone. I don't want to activate the card and don't have a phone to download an app. I want the card shut down. 

Numerous scammers are now soliciting online to solve problems with Cash App because users can't interact with a customer service department. 

How is it legal that they can send out credit cards that can be attacked by scammers with no way for individuals to shut down the card?
Product: Credit card

I asked Chase to close my account, due to poor customer service. Chase declined my written request to close my account.
Product: Student loan

I have spoken to reps from Mohela in XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have filed a credit dispute from XXXX in XX/XX/XXXX ( although all credit bureaus are reporting {$240000.00} owed to Mohela as of XX/XX/XXXX. Loans were forgiven XX/XX/XXXX due to PSLF program and reflect zero account since then. I would like my credit reports to be accurate. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the living breathing man XXXX. i hereby am filing a complaint against EQUIFAX. EQUIFAX is reporting incorrect information on my consumer report, which has been causing financial damages in regards to my credit reputation, also know as defamation. I would like the Following information to be reported : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Employment info : XXXX XXXX XXXX Any name or address different from the one above-mentioned please removed immediately.
Product: Mortgage

Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/XXXX. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement??????? 

Correct whatever they did and pay a fine for trying to defraud a consumer! Pay a penalty for over charging interest on the high account balance that they did creative accounting on to continue to get away with. If they paid other things with my principal balance instead of just deducting the entire $ XXXX straight from the balance at the time of payment like they should have done, they should have to accept the losses for what they tried to do!!! I should not be penalized for their fraud attempt! They used my money and double dipped. They charged me interest on an incorrect balance and then used my money to pay them interest. Not sure what type of correction they attempted to make on XX/XX/XXXX, but as you can see they tried to backtrack and the balance is still incorrect, because they did it wrong in the first place and refuse to pay for all the attempts in fraud and continue to incorrectly correct my principal payment. The payment would be different and could be used for what they did if it was not a principal payment, but if it was a principal payment, so they committed fraud! Please look at the statement and you will see they only credited {$31000.00} in XX/XX/XXXX instead of the entire $ XXXX like they should have! They did attempt to fix it, but not the way it should have originally been credited ( on the entire balance )! 

Since XXXX payments totaling over of $ XXXX and my balance is still over $ XXXX when it started at $ XXXX something is VERY wrong!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES FROM MY CREDIT REPORT.
Product: Mortgage

A payment was not accepted during the Forbearance. 
The payment was rejected by SLS.
Product: Payday loan, title loan, or personal loan

They were servicing a loan I had through XXXX XXXX. My payments came out on the XXXX of every month regardless of what day of the week it was. On XX/XX/2019, I noticed that the money had not been removed from my checking account and went to Monterey 's site to check my account. My account was shown as overdue in bold red lettering. The payment amount should've been {$190.00}, but the total balance on the account was {$300.00}. To just put an end to the situation, I paid the full amount of {$300.00} plus an extra {$10.00} fee for making a non-scheduled payment. On XX/XX/XXXX, both the scheduled and non-scheduled payments went through, and I have overpaid {$190.00} total. I contacted them by phone and they told me the account would remain open till I had been refunded the overpayment. A week later, on XX/XX/XXXX, I still hadn't been returned the money and they closed my account anyways. I contacted them before I left for work via email and was responded to with an apology and promised they would put it in. This was an obvious lie because on XX/XX/XXXX I still hadn't received the funds. I again contacted them via email and informed them that I was going to seek legal counsel through my Union 's legal service department. They responded with another blatant lie that my account was credited the full amount on XX/XX/XXXX and should show up within 24-48 hours ( if that were true I basic math would suggest I already had it ). The lawyer I spoke to suggested I break any further contact with them directly and to file a complaint with the CFPB and update him at a later date if still not resolved.
Product: Debt collection

I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 that is being posted to my report. 
Here is the list of items that 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 XXXXXX/XX/2023 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 alleged identity theft, not later than XXXX 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.