23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a student loan wi th Wells Fargo. It  is winding down but I still have an outstanding balance. I regularly receive letters weeks after they are dated and have had months where statements do not arrive at all. Due to this, my wife and I have setup automatic payments from my bank. This loan 's monthly payment does change at times, usually in the $  XXXX  range each month, so we have instructed our bank to send in {$40.00} monthly. We have confirmation that this occurs. Apparently, one month the payment changed to {$40.00}. Rather than call me a single time , Wells Fargo considered it a late payment and reported it to the credit bureaus as such. T his is the second time since  XXXX   ( which, before we started sending automatically and when a payment was lost by Wells Fargo ) in which they have reported my account 30 days delinquent. This is dropped my credit score  by a  XXXX  points. This is reprehensible conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXXXXXX Account XXXX, Has Viotated 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 or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurale accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Debt collection

Dear Madam/Sir, My name is XXXX XXXX XXXX 
Im contacting you in regard of a business that closed during Covid.

The name of the business was : IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX We made and agreement with a credit card Processing Merchant doing business as : XXXX XXXX XXXX  as per their fax page header ( see attached ) but invoicing us under the name XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX As you can see from the agreement they faxed to us dates XXXX/XXXX/XXXX at XXXX They agreed to give us a rate of 4 % flat for all our monthly processing. Unfortunately after a review of the charges we later found out that they were charging us in most case between 6 % and 8 % instead. We asked for a refund, but they denied it. Hence we asked repeatedly to close the account ( See attached docs ). They finally confirmed account was closed as of XX/XX/XXXX. 
After some time we were contacted from a collection agency : OXYGEN RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX We tried to explain that we owed nothing but they didnt care and put a Deroga Mark on my credit. At that point I contacted the Office of the NYS attorney General ( sea attached ). 
Finally Merchant Service agreed not to hold us responsible for anything that Oxygen claimed we owed and thanks to the AG office signed a document confirming that.

Many years have passed and Oxygen still calls me threatening to put me on collection again and ruin my credit if I dont pay {$1800.00}!

I really hope you can help me. I did an internet search and soon fond out that Merchant Service and Oxygen are not new to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/17 to get a better clarification on how the company 's process for disputing collections on my credit report. I could n't get through soI had to leave my number for a call back. The rep that called back did not give her name, just the company she was calling from. I had to ask her name. I went on to ask about their process of disputing. She vaguely explained and sounded irritated. I explained that I emailed and did n't get too much help in that area neither. She never expressed empathy just asked if that was all I needed. I let her know that customer service was n't up to par and asked to speak with a supervisor. She said " there is no supervisor, bye " and she hung up the phone in my face. I called back to get a different rep ( operator ). I asked how I could file a complaint and the operator stated that she could take the complaint so I proceeded to explain what happened and there was complete silence and then I heard hold music. Two mins later the operator came back on the line and said we are going to just cancel your account and then she hung up the phone in my face. My account has now been cancelled by the company because I expressed my concern about poor customer service. This is not the way a company should perform especially if they are suppose to be in the business of helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have a bonded contract with world finance and the contract states that if you XXXX XXXX XXXX XXXX XXXX your insurance will cover the payments. They stated I must fill out some paperwork on a recorded line I stated that I was demobilized and that they would mail the forms to me. Never retrieved them so instead they report late payments and now charged off the account as bad debt.
Product: Debt collection

I received a call from a process server to call a XXXX number due to small claim matter called and was advised for a bill from 2010 asked for copy of statement never received. Got anothet call 2 weeks later regarding debt and advised same thing they faxed me a statement saying adr group is who i owe asked for validation They informed me they would see me in court.
Product: Mortgage

my previous mortgage company, SLS, reports on my credit report " foreclosure proceedings started '', i ended up settling and doing a short sale. my report should show short sale, by leaving the foreclosure proceedings started on there, it precludes me from getting another mortgage for 7 years instead or 3-4.
Product: Bank account or service

{$850.00} was transferred from my husbands account to mine on the XXXX, but it has never arrived in my account with Simple Bank ( backed by BBVA Compass ). I 've been on the phone with them many times and keep getting push back. I have been on XXXX conference calls with Simple and the bank the money was transferred from with no resolution. We have sent money this way many times with no issue. The money is out of my Husband 's account, we gave Simple the ref # and they said they still ca n't so anything with it. We have been waiting from a call from Simple 's dispute team for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX BMW XXXX 2.BMW Financial Services XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I filled out an online form to see the value of my house and refinancing. Loan Depot has called me 58 times and left 5 second messages. They wont quit calling me. I started to delete my messages before I screen capture so voicemail now says 45. See attached
Product: Debt collection

I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.
Product: Credit card

This is a follow-up response to my previous complaint on one of my American Express Cards . American Express didn't address my second credit ( ending in XXXX ) SCRA benefit properly which my complaint was primarily filed against - there was a balance of {$940.00} that they saw and overlooked on XXXX XX/XX/2023 that was paid on after my orders started on XXXX XX/XX/2023 so they're reporting inaccurate information to CFPB. I have the statement ( see attached ) that they conveniently left it out in their response but they put in the statement for the first credit card - there was a balance that was subject to SCRA before my orders started. Please look into this. Thank you.
Product: Mortgage

My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.
Product: Student loan

On XX/XX/2023 I applied to the REPAYE payment plan but I still have not heard from MOHELA regarding the status of my application. I have contacted MOHELA requesting information regarding the status of my application but they never responded to my inquiries. Please request MOHELA respond to my inquiries regarding the repayment plan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department  and 3-4 people o ver the course of  5-6 mo nths ( beginning  XXXX   XXXX   ) and t hey all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although TransUnion showed the account as closed, it still showed a {$100.00} high balance.   XXXX    shows no balance, but a 30 day delinquency and not closed.  XXXX  shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

In XXXX little many Americans my wife and did a forbearance on our home. She had lost XXXX of her jobs and I was not able to work. The whole time we were in forbearance we were told at the end of the Forbearance that there would several options to help us out. Not 1 time was I every told that at the end I would have to pay a lump some amount to retain our home. I was told my wife and I didnt make enough money to support the motifcations. I was told they could possible put the amount hold to the back of the loan or even do a post forbearance, but none of this is done. They arent trying to help at all. Im currently on XXXX and feel like we are now being taking advantage of, because we have a house worth $ XXXX and we owe {$230.00}, easy quick turn around to just foreclose. 


Also, applied for XXXX XXXX XXXX XXXX!! After fighting since XXXX I finally have started receiving my XXXX in XXXX of XXXX. ( {$2600.00} ) now according to my application that I applied for, we were declined because we make {$1100.00} to much. At the time of the forbearance, XXXX, ect I wasnt receiving help! But its not fair to use income I just started receiving, for issues that occurred when I wasnt receiving anything. Its not right. If would have applied in XXXX or XXXX before I received my XXXX we would have been approved! Thats not right! Someone needs to help get this straight! They are going to kick a XXXX father and his family out of their house during the holidays! I can afford to make my parents.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : On XXXX XXXX you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Please take note that I am carefully recording all correspondence and I am prepared to file complaints with the FTC and XXXX. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. Please remember any FCRA violation is up to XXXX per violation OR actual damages. I am emotionally distressed because of your NEGLIGENT actions! This is impacting the quality of my life. 

I look forward to your response no later than XX/XX/2024 2024
Product: Debt collection

I have never had an account with ENHANCED RECOVERY CO L  nor XXXX the original creditor. I have requested a debt validation from them more than twice to no unveil. I would like to see the original contract that I signed showing my signature SSN, and D.O.B, as proof that I owe this debt. I would like for this collection to be removed from all 3 of the CB because I have never received validation of this debt, per the FDCPA. Besides this is hurting my Credit Score and I am trying to purchase my first house.
Product: Debt collection

There is a balance of about {$980.00} on my credit. I For Focus management.. 
It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX  twice.XXXX was the only one to remove it.. 
They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.
Product: Debt collection

I acquired a HVAC and heating unit for my home on XX/XX/year> and was given one year Guarantee to be able to return from XXXX XXXX XXXX XXXX department. When a third-party company installed my appliances, they didn't properly take care of my attic and was damaged. they sent someone to fix ceiling and did a poorly not matching color job. During the trial period I called for service since I was sold a five-year warranty, but they couldn't provide service quick enough since it was during summertime. I realized this wasn't a reliable company and not satisfied at all with products, price or service. I started contacting XXXX XXXX customer service and Right time home services about canceling contract since I was within the trial time frame in XXXX. Then called them in XXXX several times and even went to XXXX XXXX store in person and was told that someone was going to contact me, but nobody has tried to assist me with my return. I also tried customer care department via email, and they haven't returned my call or emails. Also, the finance company is being harassing me even came to my job and dropped off a collection letter. I was paying them a monthly payment, but I advised them that I was cancelling my contract, and they took a complaint report but haven't respected my request to stop billing and said to me that they paid my loan to XXXX XXXX and have nothing to do with the return decisions.
Product: Credit card or prepaid card

In XXXX I recieved an offer from Capitol One for a Quicksilver card with an intro offer with some vague terms about the interest rate after the offer had expired. The interest charged range was a huge 15-25 % which seems like abuse to charge anything they want within that range. I had over 800 credit score and due to using my credit now have over 700 credit score. I have never missed a payment either. CapOne charged me 25 % interest starting in XX/XX/XXXX which seems like that's what they do regardless of payment history or credit score. The 15 % seems like bait and switch and is not justified. I feel it's better to go through a 3rd party to complain about this for a legal trail as well. This 25 % rate is untenable and frankly should be illegal.