23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : they are all in my attached files
Product: Credit card

I have been attempting to use the hardship program with community bankXXXX credit card, since XX/XX/2016. I keep getting the run around and feel taken advantage of and disrespected. The company continually gives me false information or lies to me. I have called time and time again and they are not doing anything to assist me in resolving my problem. They just keep trying to get me off the phone and to wait longer. What is the problem? There needs to be regulation. My request is that I was told that I was supposed to have a hardship back date to XX/XX/XXXX, XXXX/XXXX/XXXX/XXXX/XXXX Late Fees need to be removed after 3 on time payments. I have been making on time payments every month since the auto payments were set up by the representative in XX/XX/2016. I was told that was the only way to be in hardship. I keep seeing that my credit report was showing late it said XXXX 30 days, XXXX 60 days, XXXX 60 days, XXXX 60 days. Finally in XXXX on the XXXX I spoke to XXXX ID XXXX she said XXXX was personally working on my account and would call me back ... She never did.. XXXX ID XXXX same day said the history needs to be back dated to XX/XX/XXXX. She said XXXX already was removed and {$130.00} will be removed in XXXX and {$20.00} more in charges and {$8.00} more in finance fees. She said the XX/XX/XXXX statement would show {$45.00} in late fees removed and {$21.00} in interest removed. They said I had to make 3 on time payments to have the rest removed ... this is their error I have made all on time payments since my account is on auto draft, I do n't know what part of that is hard to understand. XX/XX/XXXX spoke to Aeramis XXXX @ credit report needing corrected, she said she is escalating the issue and may reflect in XXXX or send a letter, Neither of these has happened. XX/XX/XXXX Spoke to XXXX XXXX he said the new statement on XX/XX/XXXX or XXXX will reflect a refund of fees {$130.00} and the other money was from another department so he ca n't see about it, he said the is doing an escalation about my credit report. XX/XX/XXXX called again because new statement does n't reflect any refunds either. XXXX XXXX had a very rude tone on the phone said it wo n't reflect until XXXX. Transferred to XXXX who again said XXXX her number is XXXX. I asked her about the escalation that XXXX said he was doing on XX/XX/XXXX she said did he transfer you to a supervisor? I said no she said then no escalation was done. She said she does n't see any records of any escalations. I asked her why people there keep lying to me? Why does n't anyone care? I do n't understand how this company is being allowed to do this or scam people. I should n't be treated like this as a consumer. What can be done to stop this??????
Product: Debt collection

I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. 
New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.
Product: Mortgage

I received an escrow analysis report from Select Portfolio Servicing, Inc on XX/XX/XXXX stating I was owed $ XXXX for an Escrow Surplus. 

I failed to receive the check for this amount and called in to claim so end of XX/XX/XXXX. I was told the check was sent but I am doubtful it was. After calling in I was informed the check would be voided and reissued. 

I then proceeded to call roughly once a week throughout XXXX and XXXX as I continued to fail to receive a check. I was told over and over there was no update that could be provided. 

I was finally able to speak to a supervisor on XX/XX/XXXX who informed me an audit had been conducted on my account and an updated amount of $ XXXX was the actual Escrow Surplus which I should expect to receive in the next 3-5 business days.

After still failing to receive a check I called in today XX/XX/XXXX to learn that a check was allegedly sent on XX/XX/XXXX but it was then voided due to an error. 

It is my understanding that an Escrow Surplus is required to be paid within 30 days. Per the original Escrow Analysis I received on XX/XX/XXXX, Select Portfolio Servicing Inc has failed to meet this requirement.
Product: Checking or savings account

I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.
Product: Debt collection

I was sued in small claims court for a debt repaid to the original creditor, who seems to have failed to notify any debt collector or have it properly stored. 

The company sent a small claims summons to a house I do not live at by certified mail which was delivered even though USPS has been notified to forward mail to my existing address. 

the amount they claim I owe is also far larger than I truly did owe ( about {$500.00} more ). 

But by USPS not forwarding the letter I will have not had enough time from actually receiving it ( my parents forwarded it but failed to bring it to USPS and just put it with other letter that USPS didnt properly forward ) so I will automatically lose the case in a state I do not live in ( so I cant show up even if I wanted to ) This creditor has
Product: Debt collection

I vacated an apartment and cancelled XXXX internet service in XX/XX/XXXX. In XX/XX/XXXX, a collection notice was posted on my credit report, resulting in a major drop in my XXXX credit score. 

I was never contacted by XXXX by phone or mail. Nor did I receive any phone or mailed notice from the collection agency ( franklinservice.com ). I only found out about this claim by checking my credit report. 

The collection agency has not provided the original bills... they only have ones showing an overdue amount with additional interest. I keep requesting the original bills, as I have no idea what the charges are for, or if they're valid. When I occupied the apartment, I paid my bills automatically via credit card, so I was always paid in full and on time. 

My internet searches have shown that this is a common practice with XXXX.
Product: Mortgage

Had XXXX modifications ... XXXX and XXXX. 

Wells Fargo said I was approved for a modification and then put my house in foreclosure XXXX  times when they had all of my documentation. They told me for almost a XXXX XXXX XXXX XXXX to not pay and to send in documentation. I always sent in what they needed and they would say they had everything and then say that I didn't send it. It went to another person to handle and the process started over. It was charging me interest the whole time. 

I owed {$77000.00} in XXXX and now I owe {$130000.00} in XXXX.?????? Their fault due to repeatedly asking for the same paperwork over and over and saying I didn't send it when I have proof I did. Putting my house in foreclosure for no reason twice. 

I bought my house in XXXX for {$92000.00}. XXXX  years later I owe {$130000.00} ...??? 

The only reason I saved my house in the last foreclosure is because I did research and found out they couldn't follow through with foreclosure because my account was in the middle of being sold to another company... ..I know I was not treated fairly.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

Experian 's failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue Experian if I do not receive a remedy. Experian has 15 days to respond and remove the following 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 XXXX XXXX XXXX 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 I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Product: Checking or savings account

THEY RESTRICTED MY ACCOUNT FOR NO REASON THEY BOUNCED MY WORK DEPOSIT CHECK AND THEN RESTRICTED ME. I DO NOT KNOW WHY.
Product: Money transfer, virtual currency, or money service

A mutual friend sent money to my Zelle account on XX/XX/XXXX. He later claimed he did not send it. My account was suspended due to fraud from XX/XX/XXXX til XX/XX/XXXX. And it was restored based on the information I provided them. Proving I knew this person. My account should have never been suspended for fraud when I am just the person receiving the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on the following dates XXXX XX/XX/XXXX to XXXX, Equifax XXXX and XXXX in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/XX/XXXX
Product: Payday loan

Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % interest.
Product: Credit card

In interstate felonious organized criminal activity, Citi Bank is fraudulently charging me for a charge I did not make because my credit card was stolen. They simply decided I must be a subhuman of the wrong race - and thus I deserve to be criminally stolen from. This is so despicably sick and disgusting. I have a police report documenting my credit card was stolen by criminal actors. However, Citi Bank is now dabbling into criminal wire fraud because they think this makes more money now.
Product: Money transfer, virtual currency, or money service

During the pandemic, I thought I was purchasing items from online companies, but I never received anything. They contacted me saying that my package was lost and to send money through Zelle. When I sent I think about {$30.00} XXXX realized it was a scam, I quickly contacted Zelle, but they said they couldnt help me because I sent the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Debt collection

Wells Fargo Home Morgage is sending me Certified Letters referring to " my loan '' that is in default for a home loan I never entered into. My spouse refinanced a home loan in XX/XX/XXXX and I was never on the application, never signed and never entered into any financial obligation with Wells Fargo. Since my spouse had this debt discharged in bankruptcy in XX/XX/XXXX, Wells Fargo Home Mortgage is attempting to collect from me. THIS IS NOT MY DEBT. I never signed any Promissory Note, loan application or other loan documents. I also completed a Quit Claim Deed in XX/XX/XXXX in which I released/conveyed any legal interesest in the property. Wells Fargo Home Mortgage should not be sending me any correspondence and I should not even be involved as I am not an owner and NEVER participated in, not signed any loan documents. This is not my debt. They are threatening to take action and I do not have funds to hire attorneys. They know this is not legally my debt and they know I am not an owner of this property. They have ignored correspondence reminding them of this. I need help to have them stop harassing me for a debt that is not mine. Wells Fargo is known for deceptive and unethical business practices as evidenced by court cases involving this. I have many medical issues and unable to work and therefore, am not able to deal with being illegally harassed for debt that has never been my debt and for issues regarding a property for which they known I am not an owner. Please help me stop the harassment by and unethical, illegal practices by Wells Fargo Home Mortgage. Thank you!
Product: Credit reporting or other personal consumer reports

Hello, A few years ago I noticed 2 XXXX XXXX  on my credit report. I contacted the servicer and filed a complaint that the accounts were not mine. I was instructed to request a forbearance while they did research so I would not have any payments to make. I checked back over the next 2 years and nothing had changed. The Forbearance ended and these 2 accounts hit my credit reports again. So I called in and was told to file a police report. I did that and sent my disbute and the accounts disappeared for the next 5 years. Last XXXX the account popped back up on my credit report and I filed more complaints and verification letters to have they accounts verifed as belonging to me. I have not gotten any follow up and this new accounts are showing up as being paid and missing payments. I am not sure whom is paying them as they are not my accounts so I believe they have made a mistake and has these accounts reporting under my social but they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.
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 rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX/XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number 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 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 reporting, credit repair services, or other personal consumer reports

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I need my report to reflect this address. I haven't looked at this report since XXXX. My address was XXXX XXXX XXXX, XXXX tx XXXX
Product: Consumer Loan

They took out {$150.00} on XXXX different occasions without my consent.
Product: Credit card or prepaid card

On Monday morning XX/XX/XXXX I checked my prepaid Bank of America account and found there were two charges for {$950.00} at XXXX XXXX bank, one on XX/XX/XXXX and the other on XX/XX/XXXX. I called in immediately to let them know of the fraudulent activity and they sent me out a new card. On XX/XX/XXXX I called them to get an update and to update them with info regarding my police report. A few days later I called to get an another update from them and they told me my they didnt have any of my information. This happened twice. Then after I finally got them to keep my info, I received the letter stating that my claim had been closed. I reopened the claim and then a few days letter received another letter stating that an additional review of my case had been done and the original decision was correct.
Product: Student loan

Hello, I applied for PSLF in the summer of 2023. 
In XX/XX/2023, I received a Letter stating I had XXXX payments. 
I then get a letter stating the loan amount I was forgiven with an amount that was needed to be credited to me. 
My studentaid.gov account showed XXXX due. 
Mohela showed XXXX due. 
The loans were off my credit report. 
Then XXXX week ago, I get an email stating a new payment was due, and all my loans were reinstated. 
The outcome I want of course is for my student loans to be forgiven as stated in their letter. 

Appreciate any and all your help. 

Thanks
Product: Debt collection

I made an uniformed decision that is causing damage to my livelihood on XXXX XXXX XXXX as there was no instant proof of debt offered to me when I initially engaged in this consumer credit transaction. After, reviewing the contract, I discovered that there was ambiguous, unclear and inconspicuous information that was not presented clearly and left me unaware of my alleged obligations. This lack of clarity prevented me from making an informed decision. I was pressured to make a decision without having access to complete pertinent facts, evidence of indebtedness & information on informed use of credit. They keep reporting to CRA 'S when the agreement should be null & void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative at transunion to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and XXXX XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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