23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Attempted to try to resolve problem with Wells Fargo. My home is undervalued by {$100000.00} and has been for 10 years. I have paid approximately {$400000.00} in interest on a {$480000.00} mortgage loan. I am unable to refinance the loan due to no equity in my property. I have been stuck in a 10 year ARM loan with no other options available to me. My mortgage payment has increased 32 % since XX/XX/XXXX when home was purchased while my income decreased by 28 % due to retirement, now living on pension. I have been denied a modification because I received a 2 yr temporary loan reduction in XX/XX/XXXX which expired XX/XX/XXXX. It has been confirmed by Wells Fargo that I expressed concerns about the interest only 10 year ARM mortgage and the temporary status of the loan when notified of the temporary loan. I was lead to believe that I could reapply for new modification upon expiration of the temporary loan reduction only to be told upon reapplying acceptance of the temporary modification rendered me ineligible for future modification. This was a significant term of the conditition of the temporary loan modification and I should have been informed of this as a condition of acceptance of the modification. I have no other options but foreclosure or short sale which, both will require me to vacate my home. I am almost 70 years of age. There should be some assistance for for the elderly.
Product: Checking or savings account

I tried to o contact XXXX services about unauthorized transactions on my debit card.tried several times to contact banks fraudulent dept.no one picks up.this all accurred around the XXXX of XXXX while in hospital
Product: Credit card or prepaid card

I was pre approved through credit karma multiple times and was denied multiple times. I am still getting approval messages. It has lowered my score and I am seeing cards and loans that have hurt my score that I did not apply for. My score wasn't real great but know it's awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have hacked my computer due to unknown reason and they are holding my computer for ransom They refused to let me use it Ive had to change five computers Ive spent over {$5000.00} and getting my security up to par
Product: Credit reporting

MY LAST LETTER TO EXPERIAN WAS WRITTEN ON XXXX XXXX, 2016. I HAVE NOT HEARD BACK FROM THEM. THEY NEED TO CORRECT MY PAYMENT HISTORY WITH THE XXXX CREDIT CARDS PER THE ATTACHED LETTER.
Product: Payday loan, title loan, or personal loan

My loan was for {$2000.00} starting in XX/XX/2022, I have made payments in the amount of {$1800.00} and {$200.00} which should pay off the loan. But they are still asking for more payments. Their contract also stated they would refund me the interest if the loan was paid in full ahead of schedule.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a dispute letter was mailed to transunion which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.
Product: Debt collection

Overton, Russell, Doerr and Donovan, LLP have been attempting to collect a medical debt even after the debt which was the result of an error in insurance billing was straightened out. At no point have we owed XXXX XXXX XXXX any money. The co-pay was paid at the time of the visit. The " debt '' was the result a billing error on the hospitals part. The issue has been resolved. The hospital assured us they contacted Overton, Russell, Doerr and Donovan, LLP but they continue to send us threatening letters stating our credit will be effected if we do n't pay a debt we do not owe. We have been very cooperative with Overton, Russell, Doerr and Donovan, LLP in attempting to clear up this issue. They for some reason refuse to leave us along and are threatening us with our credit.
Product: Debt collection

I received a call from an agent of XXXX XXXX XXXX in XXXX XXXX XXXX, Utah claiming I owed a balance of {$200.00} on a claim for laboratory services from XX/XX/XXXX reporting my address somewhere in Utah. I have lived in Wyoming for 24 years until moving in XX/XX/XXXX. 

I asked for a copy of the claim so I could contact XXXX and XXXX of XXXX. I was told they could not email me the information. 

I had no lab services in XX/XX/XXXX anywhere and certainly had not lived at any address in Utah ( I lived on a ranch in Wyoming until XX/XX/XXXX ). 

The agent kept repeating he was just trying to help me. I kept telling him to send me the Explanation of Benefits ( E0B ) by email or text. He kept repeating he needed my address which I was unwilling to give to him because the whole thing sounded like XXXX fraud to me. 

He was calling from XXXX at XXXX hrs today XX/XX/XXXX.
Product: Credit card or prepaid card

I obtained a corporate credit card from  American Expres s through my former employer. The credit card was mandatory requirement for my employment. During my tenure, I used the card on two occasions for personal purchases. Due to the work volume, I did not make the first scheduled payment and inquired a late fee  10x  the amount of the purchase which was less than {$20.00}. When I resigned the company did not close the account I am incurred a bill for almost {$300.00} for a purchase less than {$20.00}. The representative from their company advised that they do not report my account to any credit bureaus. However, I keep incurring ridiculous amounts for late fees. I only should be responsible for the amount of the purchase made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter to Equifax in regards to a dispute and the law of verifying by sending me physical verification of the original signed consumer contract on the listed items in the letter to Equifax and they continue to send back letters to me without doing a real investigation and adhering to the law in accordance to the fair Credit reporting act Section 609 ( a ) ( 1 ) ( A ) that requires by federal law to verify. and to send me Verifiable proof which is my right and the law.

the letter they continue to send ( attached ) shows that they are not doing an investigation and following the law. I have given them more that 30days to send me proof and to and investigation.
Product: Mortgage

The company has failed to uphold the escrow agreement and pay property taxes due to the XXXX of XXXX, MA. This has resulted in XXXX ) a {$64.00} late fee assessed by the city and XXXX ) has necessitated that I pay property taxes out of pocket in addition to paying monthly escrow, or face a 14 % interest penalty. 

I have made multiple attempts to contact the company and resolve this issue. However, they have refused to refund late fees I paid to the XXXX of XXXX and furthermore have insisted that they can not pay property taxes unless my city sends an individual tax bill for my condominium unit ( currently the property receives a single bill for the building, which contains 2 units ). I don't believe there is anything in the mortgage agreement that specifies an individual property tax bill for our unit. The deed specifies the proportions that each unit must pay ( our unit owes 45 % of the property tax for the building ).
Product: Debt collection

My house is broken into in XX/XX/2002 my identity purse was stolen I noticed on my credit report there was different false accounts that was not mine due to Identity theft. There's a collection on there from XXXX XXXX XXXX  I tried to reach out to Midland funding to let them know this was identity theft they didn't care they kept telling me I needed to pay this.I paid some of these smaller things that I'm not paying anymore I've already spent {$4000.00} trying to clear up my report.I don't feel as a victim I should have to keep defending myself against these companies. I have sent XXXX  XXXX my police report my FTC report and still nothing I would like this off of my credit bureaus all three of them it's hurting my credit.I 've spoken to Midland funding over and over letting him know this was not mine they don't care they are very nasty company
Product: Credit card

My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?
Product: Debt collection

I recently pulled all three of my consumer reports and saw a company by the name of Williams & Fudge on my consumer reports. I reached out to them via registered mail on XXXX of XXXX to asked them to validate this debt that they are claiming that I owe. On the XXXX of XXXX I received a letter in response to my request to validate the debt which did not contain any document/information to validate the debt as requested per my rights under the FDCPA, 15 USC 1692. This letter appeared to be a student statement from XXXX University Student for {$11000.00} from XX/XX/XXXX to XX/XX/XXXX with a coversheet from Williams & Fudge. This coversheet stated as follow : " Please find enclosed the information requested for the above referenced account ( s ). Should you have any questions you may contact the undersigned directly. XXXX XXXX XXXX XXXX '' The coversheet also stated that : " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I would like to mention that I have never attended XXXX University in my life, Williams & Fudge is violating my rights a consumer under the FDCPA. My consumer report is tainted due to their error, and they are using language that is offensive. I am requesting that Williams & Fudge immediately correct this error by removing this off of my consumer reports with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$4700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXANK XXXX XXXX A ) XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed the attached letter to XXXX to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. To this date I have not received any correspondence from the company regarding this letter. I have attached the letter that was mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my dispute was received by Ford Motor Credit, In the dispute, I pointed out many errors on the alleged charged-off account XXXX including but not limited to there being a past due balance on an alleged charged-off account, or the alleged Date of last activity not being furnished on my credit reports. I still did not receive a proper investigation or any response from this alleged creditor When I check the current credit reports the alleged charged-off account still has a balance and past due balance and the same inaccurate payment grids for each bureau that I pointed out in the dispute. This creditor is being insubordinate and I do not want them furnishing data on my report any longer Below I attached the certified mailed dispute that was ignored by the alleged creditor
Product: Debt collection

On XX/XX/2016 I requested I validation of debt via an affidavit sworn under penalty of perjury. Midland Credit Management , Inc. failed to provide validation and keeps reporting the disputed item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from XXXX XXXX to credit wise to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from XXXX XXXX to credit wise.
Product: Debt collection

XXXX XXXX XXXX on behalf of the Original Creditor XXXX XXXX XXXX. Placed a collection of {$630.00} on my credit report on XX/XX/year>. I do not nor have I ever had an open account with this company. I do not use their service in my location area. This is false information that has had an unfair and negative action on my credit profile. This is also illegal, and legal action shall and will be taken against both companies. 

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. Credit Collection Services has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. XXXX failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 

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 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
Product: Credit reporting or other personal consumer reports

Representative XXXX XXXX had an office XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX mi, this office was closed in XXXX. XXXX XXXX open a storage unit in this building in XXXX someone added this address to my report in XXXX. I worked on XXXX XXXX campaign and that office had been closed approximately XXXX years prior to someone adding this address to my credit file. Subsequently, this address was never used as my personal address I requested TransUnion to remove that address for it had been fraudulently placed on my credit file TransUnion refused to remove the address I filed another dispute today and within XXXX hour TransUnion had completed the dispute and had not removed the address I am accusing TransUnion of being a criminal reporting organization and I am concluding that just as XXXX had criminal agents working for them so does TransUnion Trans Union has used this address to allow criminals to receive financial instruments. The address should have never been included in a credit file for me. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX  ( XXXX ) XXXX Location closed
Product: Checking or savings account

This complaint is for the debit card fraud claims department. I have been complaining for years regarding these accounts and only recently received a letter stating your record retention policies dated XX/XX/XXXX. Why were my claims not addressed earlier as requested? Why was I not provided formal information regarding the large claims/fraud on my account when the information was available. 
In a letter dated XX/XX/XXXX Wells Fargo XXXX XXXX XXXX XXXXXXXX : I was still not even being informed about all of the accounts in my name : there are only XXXX accounts listed on that letter. I do not even know how this letter reached me at all. In Case Number XXXX CFPB Case XXXX : from XX/XX/XXXX : I no longer lived at that apartment and did not receive this letter yet XXXX  claims that they have not received mail returned for me. I would like my transaction information and hard earned money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX A ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX