23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX  '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt. 

Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX. 

I immediately contacted CFPB for help to resolve the harassment from ERC.
Product: Debt collection

I am writing to dispute the sudden appearance of a fraudulent account on my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of an unauthorized account that is negatively impacting my credit score. 
Below are the details of the fraudulent account : XXXX XXXX PLEASE DELETE!!!! 
I have attached copies of relevant documents supporting my claim, including but not limited to a copy of my identification, proof of residence, and any other documentation that may assist in your investigation. I did not open or authorize this account, and it has been listed in error on my credit report. 
I am formally requesting an immediate and thorough investigation into the matter and the removal of this fraudulent account from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to conduct a reasonable investigation into the accuracy of the information on my credit report. 
Remove the fraudulent account from my credit report. I also request that you provide me with a corrected copy of my credit report once the investigation is complete.
Product: Mortgage

for the past 5 year have been trying to get a loss Mitigation with the mortgage company when I was with XXXX XXXX, the XXXX XXXX told me they sold the loan to Fay Servicing. Fay Servicing increased my payments and interest from a {$2500.00} payments and interest of 4.2 % to a {$3300.00} a month and interest of 6.25 %, I have been in and out of the loss mitigation process 5 times the last offer they made me in XXXX was to pay a payments of {$25000.00} a month for 6 months. I had the home since XXXX and was paying on time with no issues until i called XXXX XXXX and asked them to allow me to miss a XXXX payments. they offered me to put me to qualify me for a repayment plan mean while not to make any payments until they approve me. and the XXXX turned into XXXX and now into XXXX, a lot of companies offered me to help only to steal my money. i ended up talking to an attorney and they recommended me to get into chapter XXXX, but when the covid epidemic my husband lost his job, my father and mother who are senior citizens with no income live with me and my XXXX children were struggling I tried again with fay servicing but they don't want to work with me and i feel that i am being forced to lose my family home, the back payments ate all the equity in the home but still worth the money owed on it. its value and what i owe on it is breaking even. but i have no other sources to go to any more. please help.
Product: Debt collection

On XX/XX/2021 CREDIT MANAGEMENT LP added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, CREDIT MANAGEMENT LP has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { wells fargo } has listed { negative listing } on my XXXX file. 

To my knowledge, I have never had account with { WELLS FARGO }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from { WELLS FARGO } including copies of any documentation associated with this { negative listing } which bears my signature. 

In the absence of such documentation, I request that this WELLS FARGO be permanently removed from my XXXX report. 

For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX }
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Navient calls are continuous and harassing, so much so that I will block the numbers and they will call using a different number. 
Calls will start at XXXX in the morning, weekends and XXXX at night. I will receive 8 calls or more per day throughout the day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Debt collection

I received a medical bill collection from WakeField & Associates with a balance of {$390.00} upon contacting the company, they told me they were a collection company attempting to collect a medical debt. I do not owe this debt my medical bill was paid in full I have attached a copy of the bill from WakeField & Associates and also a letter from XXXX XXXX XXXX that my medical bill was paid and it was approved for a full write-off of all medical charges and also XXXX XXXX said that there office can be contacted to verify my medical account has been paid and written off, my case number with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered accounts that I have no affiliation with. These accounts were not opened by me, yet they are being reported under my name, which is completely inaccurate. I need to understand how this happened and why these accounts are on my report.
Product: Debt collection

Original Creditor was paid on XX/XX/29. Received a letter from ARM solutions on XXXX. I tried calling the number on the letter ( XXXX ) XXXX. There are two options in the automated system : 1 ) Make a payment and 2 ) wait for a rep. I chose option 2 and after a minute or so the line disconnected. I repeated the process several times. 

Debt not valid and their phone number does not take incoming calls despite listing phone calls as a valid way to dispute the debt
Product: Credit card

I submitted a payment to Navy Federal in the amount of the full balance in XX/XX/year>. Navy Federal deemed my payment unacceptable. I then wrote Navy Federal asking questions about the agreement. My questions were as follows:1. What is a deposit voucher? 2.What is a Non-Profit Organization ? 3. Explain the rights reserved section in the agreement in a manner in which one can understand. ( i.e. Navy Federal has not agreed to provide you with notice if we have received a credit entry subject to Article 4A of the Uniform Commercial Code. )
Product: Mortgage

I had been affected by Covid 19 Pandamic Disaster and my XXXX suffered in XXXX an XXXX. 

I have a loan with XXXX XXXX which was transferred to them by the previous servicer ( Amerihome Mortgage ) XXXX XX/XX/XXXX. 

The Payment suspension on this loan was provided by AmeriHome Mortgage ) from XX/XX/XXXX through XX/XX/XXXX. 

Application for loan modification was filed with AmeriHome Mortgage XX/XX/XXXX. Modification for this loan was approved by Amerihome Mortgage XXXX XX/XX/XXXX ( see letter attached ) .Trial payments started XX/XX/XXXX through XX/XX/XXXX with Amerihome Mortgage. 
XXXX XX/XX/XXXX Loan was transferred by AmeriHome Mortgage to XXXX XXXX ( The originator of this loan on XX/XX/XXXX ). 

Three payments were made to XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I called them 11 times to get an answer on my Loan Modification process completions so as to put the unpaid amount behind the loan and give me my new payment as per Covid 19 Pandamic CARES ACT for suspended payment due to them. 
I was told that the process started with the previous servicer ( AmeriHome ) and the files are being researched from XXXX through XX/XX/XXXX by XXXX XXXX the person handling this is XXXX XXXX XXXX XXXX XXXX XXXX 
As I called them today, I was told that the Loan has not been modified by the previous servicer ( AmeriHome Mortgage ) or the current loan servicer XXXX XXXX XXXX XXXX 
It is now sold to another servicing company on XXXX XX/XX/XXXX and I will have to make further payments ( including XX/XX/XXXX payment ) to the new servicing Company. 
No written Information has been given to me yet on this. 
They also claim that their system does not give them any information on this loan anymore. 
I was told the same by the previous Loan Servicing Company ( AmeriHome Mortgage ) on XX/XX/XXXX as well. 
Please help me get the loan Modification Completed at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting Inquires that are unauthorize I did not give anybody permisson to run my credit I disputed with XXXX and they deleted them all
Product: Credit reporting, credit repair services, or other personal consumer reports

the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX # XXXX
Product: Mortgage

Freedom mortgage company us trying to decieve its customers into signing away their rights, they are giving incorrect information and not following the guidelines set fourth by the federal government concerning covid19 and mortgage assistance programs. They are attempting to scam people into terms that are not compliant with the CARES act that was passed by the federal government. They are attempting to push loan modifications as well as threatening to report negative information to credit bureaus during a global pandemic. They need to offer the correct assistance immediately and fix my account before it goes delinquent as I have been paying my loan two months in advance for the last year, I have been attempting to get this matter resolved since the middle of XXXX, the company does not respond to messages in your online account, they do not respond to emails, and after being on hold for over an hour the just hang up on you. If you manage to get someone on the phone they give you different information every single time. My loan payment will be due XX/XX/XXXX, I have been trying to contact them since the middle of XXXX and they are refusing the correct assistance as directed by HUD, and the CARES act.
Product: Credit reporting or other personal consumer reports

Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.
Product: Mortgage

Hello, Im searching for someone to help me with my current situation because I dont know what to do, my father passed two years ago and i lived with him I lost my job In the process once he passed and im now asking for assistance with the mortgage company such as a loss mitigation application to see how will they help bring loan current but long story short my application was denied this has been the third denial with different denial reasons, because my dad name is on the deed and I will need to assume the loan I was told it had to be removed Im confused because I have affidavit of estate filed with XXXX XXXX also when I search the tax appraisal website my name is there as owner, also I been calling the company back to back for someone to explain to me what is assuming the loan mean and will this help me 1 to stop foreclosure and to be approved for some type of repayment, this is a life or death moment for me I been dealing with for over a year and hast gotten no by a denied denied denied please help I head about the XXXX program and ask them about and they told me the never heard of so o can see maybe I qualify for that
Product: Mortgage

ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?
Product: Money transfer, virtual currency, or money service

I cashapp someone and they said they never got the money so I had to send it twice w no customer service accessible
Product: Credit card or prepaid card

Card declined for no reason. When I call to clear the purchase, am on hold for over an hour and still no answer. I need the card for my business. Bank of America has no respect for its customers. This should be resolved in 30 seconds with an automated system.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am writing to complain about interest charges made by Santander Bank in the amount of {$34.00} interest rate charge assessed on my Master card # : XXXX on the last statement ( for the period ending XX/XX/2018 ). I do not believe I should have been charged that much according to the terms of the agreement we have. The balance I owed on the prior months statement was originally {$2800.00}, due by XX/XX/2018. I paid a total of {$2700.00} by the due date and the amount I paid posted to the account by XX/XX/XXXX. 

That left a balance owed of {$82.00}. That was the balance upon which interest charges, I believe, was supposed to accrue. I point to the written terms of our agreement ( found on the reverse side of every Mastercard statement from Santander Bank at page 2, left column ) where it states : Santander will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest free period. 

Therefore, under the plain meaning of the agreement, the interest rate on my account ( i.e., 9.74 % ) should have only been assessed on the amount still outstanding -- $ XXXXso that the interest was about XXXX cents a day so the total interest charge should have been about {$1.00} ). However, I was charged interest of {$34.00}! 

Clearly, I was charged interest on the amount that I paid while in the interest free period in contravention of the terms of the agreement we have. I called Santander bank ( i.e., Santander N.A.  ) on XX/XX/2018 ( XXXX ) and spoke with " XXXX '' who agreed the interest charged looked incorrect and that she would note the complaint and I would hear back in 5 days or so. I never did. I called again and was told the bank stood by their calculation, but no explanation was provided. 

I then wrote the bank at their address listed for disputes via letter dated XX/XX/XXXX and waited 2 weeks, but received no acknowledgment of my complaint. I flag this complaint to your office as I suspect this could be a standard practice whereby Santander may be padding its bottom line by encouraging staff to assess interest in contravention of their agreements on Mastercard accounts. 

The {$34.00} interest charge is too small for me to bother with a small claims court claim, so I kindly request your office to look into it if its within your jurisdiction to do so. Thanks so much. 

I think Santander was wrong under the explicit terms of our agreement and ask that you please again review the decision as I think there is human error or a misunderstanding here. Once you have reviewed the matter, please contact me to let me know the result.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 : CHILD SUPPORT ENF AG/N XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF EDXXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit card

My Paypal account has been hacked and I reported the loss to Paypal as there were over ten transactions which were of a fraudulent nature. This fraud occurred in XX/XX/year> and all of the transactions were returned to my bank account. For some unknown reason Paypal has limited my account and I can't transfer money or use their service because I was the victim of fraud. I contacted the company over 10 times via phone calls and instant messages. I would like my privileges restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report TO TRANSUNION pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you