23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have receive Wells Fargo Bank reply to XXXX XXXX # XXXX, and I am not satisfied with the reply that they have given me at this time. I believe that Wells Fargo bank has not been honest in their reply to the CFPB. They have indicated on the second page of their reply that my income is at the retirement stage, and that is not " TRUE ''. I have a job that I work along with my social security that bring my income up to more then {$65000.00} per year. Well Fargo Bank along with XXXX XXXX XXXX XXXX have done a job on me, since the begin of purchasing my home. Neither Wells Fargo Banks nor XXXX XXXX XXXX XXXX have been honest with me. When I first contacted the reality company, and ask them to setup the financing of my home. I immediately informed them that I wanted a Thirty year fix rate. My credit rating at the time of this Home purchase was more them XXXX XXXX, and I insistent that my contract reflex my wishes, but I find out later that the misdeed had occurred, and Well Fargo Bank indicated that nothing could be done, about this dishonest act. They indicate that I had sign the contract in XXXX of XXXX, and changing my thirty year Fixed rate into a adjustable rate loan after ten years was ahet I would have to live with, so, these are the crooks Wells Fargo Bank, and XXXX XXXX XXXX set this plan in motion, so, that on several occasions XXXX XXXX XXXX has contacted me , about refinancing my home in the last eight years. This was all a scheme set up by both Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX Now after more ten seventeen years. I am face with two dishonest institutions that should continue to be investigated by the XXXX XXXX XXXX. I will " NEVER '' be satisfied with Wells Fargo Bank, and Wells Fargo Home Loan, because of the way these lending institutions function. Nothing has really change with Wells Fargo Bank. I tried to get a refinance last year when the interest rate were at XXXX percentage, and I was denied. I was making more the what Wells Fargo Bank has indicated in their written letter. All of these liars that Well Fargo continue to get away with knowing that I have been paying both the home loan, and the XXXX with XXXX loan ahead of time each month. I would like for the CFPB to include my trouble with this lender in the mediation. 
Thanks You
Product: Mortgage

I had a loan under XXXX in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX XXXX She lives in XXXX and I live in XXXX Under these 2 class action lawsuits The Bank of America Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. 2:13-cv-08833, and Williams, et al. v. Countrywide Financial Corp., et al., Case No. 2:16-cv-04166, both in the U.S. District Court for the Central District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXXXXXX XXXX  XXXX, CA XXXX. I still own the property in my Trust, The company states they reponded but they didnt repond to me. They sent a letter to my Mother ( XXXX XXXX XXXX ) in XXXX who is not on Title nor is she on the loan. See how stupid they are?
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, It is illegal to report information on my credit report without my permission. Thank you, please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The multiple inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611-15 USC 1681i, you are to comply with laws and regulations regarding re-investigation of any and all inaccurate information. Please delete this account immediately and send me an update of my credit report.
Product: Checking or savings account

An account was opened with US bank on XX/XX/2019 without my knowledge and fraudulently opened under my name. I have tried several times to explain to US bank that i did not opened that account but US bank keep trying to collect a overdrawn charges on that account even thoe that account was closed with my complain.why should i pay for the crime that i did not commit.please help me to resolve this problem.thank u.
Product: Credit card or prepaid card

Capital one walmart card is incorrectly reporting my information to XXXX  XXXX  and XXXX. And would like capital one to correct all the errors on my report and Remedy the situation i also had a conversation with XXXX from capital one on the phone on saturday XXXX XXXX at XXXX XXXX He was not willing to help me. Im requesting capital on look at my report and do a thorough investigation.
Product: Credit card or prepaid card

I canceled a card number with last 4 digits of XXXX in XX/XX/XXXX. As of last week ( XX/XX/XXXX ), a bunch of fraudulent charges are coming through on the old card number and appearing in my current account. This should theoretically be impossible in the credit card industry as canceled card numbers should not accept new charges. I have informed TD Bank of this issue and they were perplexed about it and unable to stop fraudulent charges from coming through, even though they agree that the old number should be invalid. This indicates a larger concern about improper or broken credit card controls on TD Bank. This is related to the XXXX XXXX XX/XX/XXXX XXXX issued by TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. Theres 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Debt collection

I am filing a complaint against  Convergent   XXXX   XXXX   XXXX   a nd credit bureau  XXXX   &   XXXX . I receive a debt collection letter by mailing regarding a  XXXX   XXXX  account #  XXXX . I have no knowledge of this account information under  XXXX   XXXX . On  XXXX / XXXX /  XXXX   I sent a certified letter asking this agency to verify this debt with documentation and have not received a response from them, However I also disputed with  XXXX  and  XXXX  on several occasions and they continue to send credit report back as being verified. This debt collection agency has not responded to my request so how is it that the credit bureau continue to verify this account as my debt.
Product: Vehicle loan or lease

I XXXX XXXX and my wife bought a XXXX XXXX, he the dealer XXXX XXXX XXXX XXXX and we had a bad situation with some legal things which violated our rights as a consumer. 

We sent the application online and thus receive some of the discounts and specials, and the interest of the promotion, Then we had an appointment with the seller to buy the car, which we did in about two days. 

The offer was about XXXX to XXXX dollars a month and an initial payment of {$3000.00} dollars, and the financing on behalf of my wife, after we went to the dealer they told us that they had to have, more income, which then XXXX XXXX was added Then they said we had to put XXXX dollars, which we paid, when they came with the approval, they gave us a 13 % interest paying {$980.00} dollars a month to 84 months, so I XXXX XXXX asked to speak with Toyota Finance and the manager He refused and said that I could not talk to the bank, I told him that because, as a consumer, I have the right to talk to the bank and fight that interest ... because the manager said no and I could not talk to Toyota Finance. 

I asked him to do a lease and they told me that they could not, and thus have a lower paid, and they refused. 

They did NOT give me the promotions and interest they currently have on the dealer 's website at 2.9 % APR for 72 months. They did not give me, they did not give me the XXXX XXXX XXXX Cash Offer of {$750.00} cash back. 
I think they did everything wrong here, just we pay {$980.00} to 13 % and for 84 months, it is an abuse of the manager and the toyota. In addition to behavior the unethical manager on some occasion. 

I want a lower interest as the promotion says, and the cash back offer of {$750.00}. And I ask for a contract review to be restructured with a new term.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off, after four years, a credit card consolidation debt resolution program. I entered this agreement with Pioneer Law Firm, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone number XXXX ). 

My account has been paid in full. I was informed on XX/XX/XXXX, by XXXX, that I had a balance of {$2800.00} left in my account. XXXX told me, however, that I owed {$23000.00} on the account to XXXX  XXXX XXXX, or their legal agent. So, I told her I wanted all drafts from my checking account stopped, the account closed, and a refund of the {$2800.00}. 

A week later, on XX/XX/XXXX, I spoke to XXXX. He told me the money ( {$2800.00} ) would be deposited in my account between Wednesday and Friday ( XXXX XXXX ). 

On XX/XX/XXXX, I was informed by XXXX that now there was only {$2600.00} in my account due to administrative fees. After more than an hour on hold, speaking to XXXX, then another hold, I wrote Pioneer an email explaining this situation. The last I was told was that another department had to handle the cancellation. 

Subsequently, I have received only inconsequential emails from Pioneer and played phone tag with a man named XXXX XXXX, with no resolution in sight. 

In short, after four long years, and over {$30000.00}, I have come to find out that Pioneer has only settled about {$20000.00} in debt. Our agreement was to settle over {$43000.00} in debt. Pioneer Law Firm did NOT uphold its end of the bargain. Therefore, I am lodging this complaint. I asked for a refund of what was left in my account, and I was told it was on its way. I was told that I still owe over {$23000.00} on this account. How could that possibly be? 


Consequently, I want the {$2800.00} Pioneer Law Firm had in my account when I asked them to send me a refund. And, finally, I want the {$23000.00} taken off my credit report, which is what Pioneer Law firm was supposed to be doing the last four years, While I was paying them {$630.00} a month. 


I mistakenly mailed this letter to XXXX, XXXX on XX/XX/XXXX. I will also mail and fax this information and the relevant documents to you. 


Thank you for your kind attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}. m According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent the following to Credit Management Company and XXXX. Credit Management company sent me a hospital bill in my name. After contacting the hospital, as you will see from the letter below, that my name is not in their records at all, not as a person of responsibility for the bill or any thing else. Basically, they do not have my name listed anywhere at all, but somehow this collections agency has my name on this bill. I called the agency and they stated they would not stop collections because they still state that my evidence proves nothing that I am still responsible for this bill. I will attach my proof. Please help me resolve this matter. My credit score has dropped XXXX points! 


To whom it may concern ; I have attached a consent form from the hospital proving that I am not responsible for this bill from the collections agency. 
Credit Management Company. The bill in question, which I also attached, is for a hospital visit for my estranged daughter on XXXX. The consent form shows that she ( my estranged daughter ) signed the form indicating that she was the responsible payee of the bill. 
I want to know how a collections agency can put my name on a bill for someone else when the hospital, the hospitals billing office and the hospitals business all tell me that my name is nowhere in their records at all, including not in their records as the responsible party for this bill. 
Please have this removed from my credit report. I do not think it is fair for my credit to plummet XXXX points for a bill I am nor ever have been responsible for. 
You will see from the attachments, the consent form attachment and the second page of the Credit Management Company attachment that the dates match. This proves that I am NOT responsible for this bill.
Product: Money transfer, virtual currency, or money service

Since submitting the appeal, I have eagerly awaited any update or acknowledgment from the Consumer Financial Protection Bureau ( CFPB ) regarding the matter. Regrettably, to this date, I have not received any communication or indication that my appeal is being addressed or considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting that I owe money to XXXX on two accounts totaling over {$30000.00}. I havent owed them money since XX/XX/2023 when my accounts transferred to XXXX. Ive been disputing this for months and experian keeps investigating poorly and refusing to remove the incorrect balances. 

XXXX and XXXX both fixed this within a few days, I dont understand why its taking so many disputes and a complaint to get Experian to act with integrity.
Product: Debt collection

I don't recall having a contractual relationship with CONSERVE Account Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXXXXXX XXXX, XXXX, XXXX  which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Mortgage

Even though I continuously had insurance on my home, Bank of America decided to put forced insurance on my mortgage even though I have already had insurance.
Product: Debt collection

The company has filed multiple false and misleading affidavits in a lawsuit involving consumer. Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent 2023 agreement with the CFPB and the FDCPA. 

PRAs response to prior complaint by this consumer did not properly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( XXXX XXXX XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

TransUnion Hard Inquiry XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit 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 Fcu XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX Cap XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX Apr XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are reporting inaccurate information for account XXXX XXXX XXXX. This account was deemed a loss in 2018 and went into collections. Debt in the state of Texas is only collectible for 4 years. This balance should be reporting as {$0.00}, but it is not. Furthermore, the date last active does is not consistent between all 3 bureaus : XXXX reports XX/XX/2018 while Equifax reports XX/XX/2018. The payment history is also inconsistent with Equifax reporting 'OK ' while XXXX reports 'CO '. This is clearly misinformation and negligence. I will attach my credit report showing the inaccurate dates for the payment status as well. How does this meet FCRA regulations? I am requesting that all business and transaction documents to prove that this account was legally verified. In the meantime, cease reporting of this account due to the misleading and misinformation failing to comply to 15 USC 1681. XXXXXXXX XXXX is to send all documentation via CFPB, not mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX  and my XXXX insure since i been declared XXXX since XXXX please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Product: Credit reporting or other personal consumer reports

The three major credit bureaus XXXX, XXXX XXXX, and Experian failure to report correct payment history for XX/XX/year> with XXXX balances for indigo card and Milestone card with XXXX balances with no lates.was told information was sent to bureaus but there is no proof on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$5000.00}.
Product: Debt collection

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.
Product: Credit reporting or other personal consumer reports

I was looking at my consumer report and noticed some charge offs and late payments reporting on my consumer report. In accordance with Fair CREDIT REPORTING ACT, I Hereby request an investigation into these items and their subsequent removal from my credit report. Please remove these charge offs from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these agencies has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads way to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would be WILLFULLY continuing to violate various federal laws by continuing to report this information thats harming my character. Also For the agency XXXX XXXX XXXX has been reporting multiple late payments on my credit report has violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) or 15 USC 1681 ; I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I am requesting this matter be resolved in a fair and equitable manner. Also, this agency has violated the timing of payments law under 15 USC 1666b. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 
These reported late payments are not only a violation of federal law, but they have damaged me in the form of defamation of my character and your agency has committed aggravated identity theft, because I didnt give you written permission to report this information, which is a clear violation of the permissible purposes section of the Fair Credit Reporting Act, pursuant to 15 USC 1681b ( 2 ). 
I am demanding you to notify the consumer reporting agencies to correct the above late payments from my consumer report to a status of paid on time, never late.
Product: Payday loan, title loan, or personal loan

I recently got a loan for XXXX XXXX with West Lake Portfolio, and I wanted to change my recurring payments to a higher amount. I was didnt have the ability to make changes and called customer service. Since, I have scheduled additional payments toward the loan, but I have not received confirmation of the payment via email. I have also checked my account and no scheduled payment ( s ) is available for me to view, change, or cancel. Ive contacted their customer and they cant find the payments I have recently scheduled in their system. It has been quite an awful customer service experience. As a customer I should be able to view all scheduled payments and have the ability to edit or cancel, which is not allowed in their customer facing platform. West lake Portfolio Management is not a good service provider.