23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX ERC is claiming I still owe them debt even after I had returned my phones. They told me over 5 years ago that If I returned my phones and paid my bill for that month I would no longer owe. Turns out they claimed they never received the phones back and I still owed them XXXX dollars. Also they kept harassing me after I told them to stop calling me. I should not be responsible for this debt because not only has the statue of limitations passed but they tried to reopen the debt without my knowledge. It should not be showing up in my collections either.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX  for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXXXXXX XXXX for {$8900.00} and all the inquiries that are NOT Mine.
Product: Mortgage

I am extremely upset with Select Portfolio Servicing because they mishandle my account. I finish my XXXX trial payments and after I received my final modification packet, I am getting a huge balloon in the amount of {$110000.00} at the end of my loan. This is not acceptable because I never had a balloon before my loan was modify. I need to know from where this balloon is coming from My loan was with XXXX XXXX before it was transfer to SPS. However ; I have not been given an explanantion. This is really devistating because SPS is not respecting the guidelines I was Approved for the XXXX XXXX XXXX and without principle forgiveness despite being part of the hamp tier XXXX guideline. This is not what the XXXX XXXX XXXX offers. I have gone to workshops for struggeling homeowners like myself and have learn about all programs available. Therefore I am hoping that SPS can please explain why my loan was not offer Principle Forgivess nor a 2 % fix for the life of the loan.
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 alleged fraud or extortion. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$4500.00} ; XXXXS XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$660.00} ; XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX : {$73.00} ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX {$600.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX  XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

XXXX did not remove 2 accounts that was opened in my name as a result of identity theft ... even after proof of the identity theft was given 4 times. 

Lj Ross assoc acct XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine never recieved services or opened these accounts. Opened as a result of identity theft.
Product: Debt collection

I received a notice from Vengroff williams , Inc a bill collector for a XXXX XXXX debt of {$1000.00}. I have never rented from XXXX and upon a call to XXXX, I have proof that I was working in GA when this fraudulent rental took place in XXXX NY. I have never been to New York. The XXXX agent said a DL was used and it wasn't me.
Product: Student loan

I called the loan servicer Nelnet and asked them to make a payment over the phone. I told her specifically to use a certain bank account. She submitted my payment using the wrong bank account and I was charged almost {$300.00} in overdraft fees. 

Nelnet said they would investigate and call me back or send me an email. They told me the process takes 10 days. It's been over 20 days and I am now receiving collection notices from that bank. 


I got all fees waived but {$120.00}.
Product: Debt collection

I pulled my credit reports recently. I found that XXXX XXXX was listing a collection for {$1400.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card

Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit because I am looking to purchase a car and notices a lot of duplicate inquiries starting from XX/XX/XXXX until now XXXX XXXX. I have not applied for any sort of credit since XX/XX/XXXX. I am aware of the inquiries being deleted from Transunion then added and I feel I was a victim of this. I called Transunion and they are unwilling to take care of this issue for me. I did inform them that I was aware of this issue and I kindly asked the supervisor to rectify this issue for me and he said to have a police report for every inquiry I feel is not accurate and submit it to them. My local police report is who educated me on this issue and simply stated that Transunion will take care of this for me so I called and they were unwilling to do so. So I come to you for help. Please help me. I would have gladly provided you with info but it would take me too long to list every creditor and their information. If that is a requirement Ill gladly take the time to fix this mistake by Transunion.
Product: Mortgage

The reason that I am making a complaint is because I had requested for a loan modification with my 2nd XXXX XXXX but I had been denied several times. Now I have placed my home on a Short Sale to avoid a Foreclosure and as of today my second loan with Planet XXXX has come with a Settlement in which the first Loan with XXXX has been trying to work on getting a final Settlement. XXXX needs more time to come out with the figures necessary to come to a fair Settlement to both loans. I am getting foreclosed 5 days before XXXX and my family are just so stress thinking we are going to be in the streets. I tried to keep my home applying for a loan modification and Planet XXXX said my only option was to sell my home under a Short sale and i did the process but now again i am now getting foreclose any way. I want to keep my home if their is any program that can help me avoid to get Foreclose. This loan was giving to me as an XX/XX/20 I need help at least to get protected by the Moratorium or Covid-19 Pandemic. anything to avoid tomorrow 's foreclosure not to be out in XXXX. If I have no chance to keep my home at least to sell under a short sale. If the government is placing any protection to help families like mine. I begged you to help me stop this sale
Product: Money transfer, virtual currency, or money service

I was induced to wire {$48000.00} to XXXX XXXX a fraudulent foreign exchange broker. 
The transactions were for the following amounts to the respective parties : {$10000.00} on XX/XX/2021 to XXXX XXXX XXXX / XXXX XXXX XXXX {$18000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and {$20000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX I requested a return of my funds from XXXX XXXX, my bank ( Fifth-Third Bank, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
XXXX XXXX has returned the {$10000.00} wired to XXXX XXXX XXXX XXXX The XXXX XXXX  XXXX XXXX The fraudulent broker 's bank ) and Fifth-Third Bank ( my bank ) have disavowed any responsibility for the bank fraud.
Product: Bank account or service

I have a Chase business checking account. I paid a young couple for XXXX XXXX dollars by check on that account. When they cashed my check at my Chase bank they were charged XXXX dollars for using my money. 
This kind of banking targets those in our society who can least afford it and who probably least understand this kind of banking. 
Actually I do not understand how my bank can profit off my money. 
I am sure this is " legal '' it is not moral.
Product: Checking or savings account

Over one year ago, I went to my local TD Bank branch location and closed my checking and savings account. When I left that office here in XXXX, Fl, I was assured that the entire account was closed, and there was nothing more that needed to be done. 
Since then, the bank has harrassed me through postal mail insisting that we pay a fee ( {$21.00} ) on a closed account for a " Line of Credit '' which should have been closed at the time when we closed this entire account. 
I have contacted them via phone several months ago and was told that this would be taken care of. Yet, we are still receiving requests for payment and they are now adding interest to it. 
We called today, and the rep told me that there is nothing they can do. 
I made it clear to them that we can not be charged a fee for an account that was closed by their own branch. 
We have no intention of being extorted for this amount. 
Any help you can provide to deal with this ridiculous power play by a big bank would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I appreciate your help this account is paid in full and I would like this update on all 3 credit bureaus it is negatively affecting my score and I would like it updated right away. 
Thank you. 
CAPITAL ONE BANK USA NA Last reported XX/XX/2021 {$490.00} Open balance {$500.00} Credit limit Balance carried not confirmed Credit limit {$500.00} You're using 99 % of your account 's limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry by synchrony bank advertised as no impact to your credit bureau score
Product: Debt collection

This XXXX company initiated contact with me nearly XXXX weeks ago, claiming to discuss an urgent matter. When I requested that they provide me with the original bank documents related to an alleged failure to repay them and requested more detailed information because I have no recollection of this matter at all, they never sent the original files. 
They also email me XXXX sign in form which they want to hold me responsible for this debt automatically.
Product: Credit card

XXXX CT XXXX VA XXXX Amazon Prime Store Card XXXX Synchrony Bank Will not report my good payment history to XXXX credit reporting agencies it had been over six months and they still have not re ported my payment history or my correct balance XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has incorrectly reported our mortgage loan balance as increasing to XXXX  and XXXX  for two months in a row. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the Wells Fargo page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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.
Product: Credit card or prepaid card

XXXX ; XXXX, XXXX, one more These are the last digits of my credit card numbers that were opened up by my ex-girlfriend from years ago. My ex opened a multitude of cards in my name and ran up debt in my name. The four cards had high charges on them and the debt kept getting higher and higher. 

I informed Capitol One of these issues by phone and letter on multiple occasions in XXXX XXXX. I called and wrote letters and provided a then report of identity theft that was filed through the Federal Government Identity Theft Site that detailed what happened. I offered documentation and spoke to them about it. While I informed them of this, nothing really happened. Capital One did not initiate Fraud investigations or anything into my account. I told them I was making minimum payments until it was all figured out. I even came up with a solution that allowed for me to possibly come to an agreement with the company to settle the debt and close the accounts out by paying a certain amount through a negotiated fee, even though it wasn't fair that I was paying on something that was NOT my opening or my fault. I even asked that Capital One provide me with the signature or documents in which I " supposedly applied for all four credit cards, and they did not. 

Instead, Capital One sent me a big document in which they rudely tried to intimidate and overpower me and ignored my calls for fraudulent issues, not even acknowledging the issues about it. 

I couldn't pay for the credit cards and they charged off on my credit unfairly, especially without providing me with Fraudulent Protections. It was intimidating and awful and horrible experience and even when I tried a negotiation, they ignored me.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and fraud. This account is not mine. The account is fraudulent. I have a police report saying that my identity was stolen. I have also filed a complaint with the FTC. 

Further, the creditor can not even find the account for me as I have already tried contacting the creditor to get more information about the account. The creditor states they can not find the account with my information and my social security number. As such, I don't see how your agency can find the account in the letter verified as the original credit can not even verify the account when I tried contacting them. 

Under the FCRA, federal law requires the consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure 100 % accuracy of information contained in my credit report. If I suffer damages as a result of the consumer reporting agencies violation of the FCRA, then I may bring a private lawsuit against the CRAs.
Product: Credit card

First Progress card did not address the issue of why I came to CFPB. They closed the credit card account but still told me that I was responsible for the fraudulent activities on the account, therefore, I should pay the balance owed. As I mentioned earlier when I filed this complaint with CFPB, there was fraudulent activity on this credit card account of which this credit card expired about two or three years ago. I do not know how someone obtained my information and used this card. I have told them on several occasions now that I did not use this card and that this card expired a long time ago. Please help me in resolving this matter with First Progress card. This was a secured credit card, I do not want my money back they can keep the money. I just don't want anything to do with First Progress Card ever again. I also faxed all the required documents they requested before they closed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I wrote letters to Experian, XX/XX/XXXX & XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX responded in 30 days but Experian did not. XX/XX/XXXX & XX/XX/XXXX corrected the error but Experian failed to respond & I can not dispute again. The collection agency isXX/XX/XXXX with a balance of {$730.00}. This account is incorrect & the debt does not belong to me. This account is only reporting on Experian. This error is affecting my credit score & my financial standing. Please fix this. I can be reached at XXXX or XXXX. Also experian is reporting incorrect names as well, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX ACCT # XXXXXXXX XXXX ACCT # XXXXXXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  ACCT # XXXX
Product: Credit reporting or other personal consumer reports

The account is showing wrong information on the credit bureaus.
Product: Credit reporting

I was taken to small claims court for a parking lot accident that the law enforcement rules " no fault ''. The other party involved sued me for damages to his vehicle because he only had liability. My insurance counter sued him and the courts ruled in my favor. I even got my deductible back. I do n't understand why I have a negative mark on my credit report when the courts ruled in my favor and I won court lawsuit. This unnecessary negative mark is hurting my credit and I would like it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX XXXXXXXX EMPLOYER UNKNOWN?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX  XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to " suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX  XXXX XXXX asking them to validate this accusation of " suspected fraud '', and their response was that I did not follow the " overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. 

I have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX  XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX  XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.