23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from equifax ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX  account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Product: Debt collection

I have tried numerous times to make offers to pay off my credit card debt with AAFES and XXXX. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. They told me today I owe $ XXXX which simply isn't true. When I left service the card was left at {$7000.00} and I have made payments for almost 5 years totalling over {$4000.00} in payments towards that card. Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. Well if my math makes sense the {$5000.00} I'd pay them would be more than I owed on the card when I left service to include the $ XXXX ive already paid. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of AAFES and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I litteraly have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this?
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my XXXX XXXX. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Product: Debt collection

I have an unverified account from RECEIVABLES PERFORMANCE. I had previously disputed this account. I have never done business with RECEIVABLES PERFORMANCE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that RECEIVABLES PERFORMANCE provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RECEIVABLES PERFORMANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Checking or savings account

I initially filed a dispute for a service with my bank, USAA that I had on XX/XX/2020. I was given a temporary credit for {$70.00} the amount in dispute. I have sent in lots of proof of what occurred as they asked for additional information in which I provided it to them. I use the USAA XXXX XXXX for my banking needs and I was not aware initially that correspondences regarding this dispute were even sent to me until I made the call and spoke to a representative who acknowledged that these were not provided under the app and agreed with me that they should have been. So that is an error on the banks end. I had no way of providing the information the first time without knowing what was being requested by the dispute team. So I called and had the dispute reopened and I provided all applicable documents on the app in which I have confirmation of. I called back and explained and was told I have no dispute rights. I see they are trying to reverse {$140.00} when it should only be {$70.00}. I am going to attempt to contact the bank tomorrow to further discuss with a higher department hopefully to get resolution. I was also promised a call from a dispute analyst and that never occurred. I am very disappointed in the way this dispute has been handled. It is now mid XXXX and this has been dragged out far too long. I have provided more than enough information and I want this resolved as I feel I am in the right due to the evidence and circumstances of this dispute. 

I feel that there were multiple errors during this dispute process. The bank mishandled my dispute and falsely claimed I didnt submit documents therefore the bank is in direct violation of Regulation E and is now holding me responsible due to me not providing information to the bank. All information as well as pictures and requested information was provided yet the bank failed to follow proper procedures and process the dispute in a timely accurate way.
Product: Vehicle loan or lease

XXXX XXXX XXXX auto loan was purchased for {$17000.00} with a loan period of XXXX  years XXXX from XXXX XXXX XXXX via Wells Fargo. Over the past XXXX XXXX XXXX  during the duration of XXXX it was difficult to may payments of {$380.00}. During that time my aunt was residing in a XXXX home in the State Of XXXX  with the XXXX XXXX condition of XXXX XXXX and was on the brink of being evicted from that particular facility. Adjustments, compromises were attempted to be made with Wells Fargo over that time period, but not other deferments were made readily available even no XXXX relief was offered either. As a federal government employee much of the income went towards XXXX family members of aging conditions further inhibited with the XXXX  activity, therefore requiring a great deal of income on my behalf. There were a number of barriers that compromised ability to make those payments but no relief was granted. A number of the calls were inconsistent cold calls where no message and or name for recontact was left, and when communication was established there appeared to be a lot of mixed information, detrimental to my well being of trying to find a happy medium, agreement to make amends with the loan. As a result of the XXXX  I have been in XXXX even more so after the incorrect charge off of my account. The day of the charge off of my Wells Fargo vehicle loan on XX/XX/XXXX an attempt make a payment was made, but no employee attempted to override the process or a facilitate an interaction with management to suffice the difficult situation. The charge off was incorrect and was avoidable as over the duration of the loan there were innumerable errors in charges, communications. In addition to that there was credit on the Auto Loan that wasn't returned as well and in fact could've utilize to give some sort of and as an XXXX XXXX  feel I ws very disadvantaged. Then Wells Fargo levied the {$12000.00} remaining balance with {$3000.00} over XXXX payments justifying the amounts with the supposition of interest not being received or accruing on the auto loan when amounts were excessive, so much so its a XXXX XXXX collection of my monthly income that was a deprivation of epic proportions, causing the likes of such an undue hardship financially, emotionally, and personally with the charge off under Wells Fargo. As a federal employee I have done things in good faith even making the requested exorbitant payments to my very detriment and livelihood that ongoing therapy has gotten tremendously more intense. Again I want to be contrite in my complaint as I just want an investigation completed by CFPB as well as Wells Fargo, and I am hopeful of a strong resolution of the charge off being reversed and restoring a bit of semblance to my life allowing me to pursue my dream of owning a home as well as making amends with Wells Fargo. Thank you
Product: Credit card

Contacted Citi AAdvantage on XX/XX/2023, in regards to a credit card statement I received with purchases that were not made by me. The company has terminated this card and I will not be charged for the purchases and or fees
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, Experian and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, Experian and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Debt collection

The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report
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. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/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 IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS 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: Consumer Loan

Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Trans Union credit report is unauthorized and fraudulent, and not my credit inquiry : XXXX XXXX XXXX XXXX, XX/XX/2021
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 right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may 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 then seven years.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Product: Mortgage

XXXX XXXX, XXXX : Received " Notice of Servicing Transfer '' correspondence from Ditech Financial LLC. Effective XXXX XXXX, XXXX new servicer XXXX XXXX XXXX XXXX will be collecting mortgage payments. 
XXXX XXXX, XXXX : Mortgage payment for the month of XXXX XXXX in the amount of {$1600.00} paid to Ditech Financial LLC ; payment is notated in the transaction activity section on the following months statement. 
XXXX XXXX, XXXX : Received correspondence letter from Ditech Financial LLC re : " missed payment '' in the amount of {$1500.00} which was due XXXX/XXXX/XXXX. 
XXXX XXXX, XXXX : Phone call to Ditech Financial LLC to discuss " missed payment ''. The customer service agent " XXXX '' was unable to explain why correspondence was sent. When asked to confirm receipt of XXXX XXXX payment of {$1600.00}, " XXXX '' informed me that my payment had been " reversed '' on XXXX XXXX, XXXX. I advised " XXXX '' that this payment was not " reversed '' back into my bank account. At this point " XXXX '' stated she would be forwarding my inquiry to her supervisor " XXXX ID # XXXX '' for researching and I will be contacted within 10 business days for follow up. Was given " XXXX XXXX '' direct extension of XXXX ; left her a voicemail immediately after ending phone call with " XXXX ''. Phone call to XXXX XXXX XXXX ( XXXX ) immediately after leaving voicemail with XXXX of Ditech, spoke with customer service agent " XXXX '' who confirmed they did NOT received XXXX XXXX payment from Ditech. 
XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech, left voicemail # 2 regarding missing payment. 
XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech for the 3rd time, received her voicemail again! Did not leave a message currently .... too frustrated! I attempted to reach ANYONE at Ditech phone center at XXXX and XXXX and received automated message at BOTH numbers " experiencing technical difficulties and can not assist ''. I was unable to reach anyone by phone despite multiple attempts throughout the day. 
XXXX XXXX, XXXX TO XXXX XXXX, XXXX : Due to the fact that I could no longer reach ANYONE at Ditech Financial LLC ( previous servicer ) I attempted to resolve this issue with current servicer XXXX XXXX XXXX XXXX. Dozens of phone calls to various customer service representatives who could never give me a straight answer, emailing of documents per their request, more follow up phone calls, tickets being opened then closed then re-opened due to what can only be described as inconsistencies with their policies and incompetent staff. At the end of these most agonizing three months of dealing with this mess, NOTHING is resolved. My XXXX XXXX, XXXX payment continues to be missing and my account is now being assessed a late fee as of XXXX XXXX, XXXX. 
In reality what has happened here is theft. In the real world one is punished for stealing but apparently in the mortgage lending world it is acceptable practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone use my information to open up fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I called Wells Fargo to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with Wells Fargo. I told her my payment was due and that I was out of work for a month due to a XXXX XXXX XXXX.

XXXX XXXX   then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XX/XX/XXXXregular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXXfor the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance.

My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX  CA. In the month XX/XX/XXXXI received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married.

I have contacted Wells Fargo several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. Wells Fargo has proof of payment plan letter and payments made to them on time per the payment arrangement letter from wells Fargo. I have also contacted XXXX  and XXXX and downloaded proof of the payment arrangement from Wells Fargo and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time.

My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Product: Credit reporting or other personal consumer reports

I have inquiries on my report that I didn't do XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/CBNA, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/CBNA, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.