23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a lot of bad pay day loans and they are getting out of control cause they are holding my company phone as hostage and almost getting me fired cause they keep doing this every payday and they also take more out of my account then they say and I honestly dont know how to go about this, I have screenshots of all of them and my account too
Product: Debt collection

Upon carefully reviewing my latest credit report, I found multiple fraudulent accounts that appear to have been added without my consent.
Product: Mortgage

I purchased my home in  XXXX . My mortgage company i s Wells Fargo Home Mortgage Company, Inc. My mortgage interest rate is 6.25 % since  inception of my loan. In  XXXX  I began to inquire about refinancing my mortgage since the interest rates dropped to an all time low. I was deferred to  the Wells Fargo Home pr eservation unit. I completed an application and submitted all the supporting documentation in  XXXX . I continued to call and inquire about the status of my application.  Wells Fargo claimed they never received my application. It took over 18 months for Wells Fargo to process my application and instead of refinancing my loan they did a loan modification. WF    did not reduce my interest rate, they extended my loan ou t for 20  more years and reduced my payment by less than {$100.00} per month. This is not what I requested or needed. By the time WF sent the paperwork I had to file bankruptcy and my attorney declined the loan modification as it was absolutely no help to my financial situation. I filed  Chapter   XXXX  on  XXXX / XXXX / XXXX . I have spent years dealing with WF without any remedy or assistance from, them. In  XXXX  my attorney contacte d WF for a refinance and again, they did a loan modification. WF  claimed I owed over {$18000.00} in arrears which is completely ridiculous. Now my loan has been extended to  XXXX  and  WF  charged me over {$10000.00} in interest. They have charged late fee upon late fee and interest. At this time I have completed my  Chapter   XXXX  and final disbursements have been made. I am waiting for all checks to clear and I will b e discharged. WF claims in the tem years I have had my mortgage that I have paid only {$10000.00} in interest. My original loan was {$250000.00} and I have paid over {$2000.00} per month for tem years and the balance of my loan is {$230000.00}. I will be dead before this is paid off. I have asked WF repeatedly to do a forensic accounting of my loan which they have never done. I am disgusted with WF. I am still at 6.25 % while the rest of the entire work is at a rate of about 3 % or lower! WF also claims my escrow account is always short.
Product: Debt collection

my name is XXXX XXXX XXXX XXXX XXXX 18 months never late XXXX suntrust bank pod special handing XXXX XXXX XXXX this is ssa fraud deposit before any changes day XX/XX/XXXX XXXX XXXX XXXX totalXXXX XX/XX/XXXX insurance fraud state auto XXXX XXXX XXXX XXXX credit breach XX/XX/XXXX atm errors refund blocked XXXX XXXX XXXX each deposit billed labeled dated fraud alert
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I having the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can't furnish an amount my written consent.
Product: Debt collection

On XX/XX/year> I noticed the account XXXX XXXX XXXX on my credit report. I have no prior knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my XXXX XXXX XXXX  and XXXX XXXX report shows a increase of XXXX just added to my report through Ally Financial. I called Ally financial XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX  and XXXX XXXX. Ally said there are no late payments and that they will file a dispute but will take 45 business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through ally financial was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if ally said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (
Product: Debt collection

santader bank is based out of texas and they call 5-10 times a day looking for an unknown individual. They dont care about public complaints if you check online this company is facing alot of complaints they seem to conning their customers also. 

Have never dealt with them this phone is the only connection. 

Nb my email is XXXX Please note some of their alleged customers may be victims also.It is almost impossible to stop a rogue bank from harassing people because they seem to well financed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> The address below is incorrect and needs to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX OH XXXX Under USC Sec 15 1681, 1682, 1683, 1684 these items must be immediately removed. I have recently disputed these items to no avail and these needs to be removed asap. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. You guys have XXXX XXXX XXXX and my name is XXXX XXXX XXXX All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Upgrade, Inc. and its owner, XXXX XXXX  were PIF by my credit union, XXXX XXXX via cashier 's check on XX/XX/2020. We were told to send the cashier 's check to their XXXX XXXX Headquarters, which we did on that date. We were then emailed a pay-off quote with a deadline of XX/XX/2020 and told to submit the credit union cashier 's check to another location. This was the beginning of continuous confusion ( their errors ) that ended up with both cashier 's checks being cashed by Upgrade , Inc. in the amount of {$9000.00}. The amount owed for pay-off was {$4500.00}. They have refused to reimburse the monies in a timely manner, leaving our credit union no choice, but to apply the amounts owed back to them by me and my husband to our credit union accounts, leaving us with no monies to pay the mortgage or anything else. See attached documentation for detail. The online account still shows both payments posted with no response from them regarding reimbursing our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report from XXXX XXXX that I have a hard inquiry from XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX told me to go to the creditor. I called XXXX and they told me they dont work with airlines, theres nothing they can do about it, and to call Transunion. I called Transunion who tells me to call XXXX to have this resolved. I explained to Transunion that I already spoke with XXXX. Transunion tells me to send them a copy of a letter from XXXX saying they dont work with airlines. I explained that XXXX told me they wont send me anything. 

I am getting the runaround on this matter from all parties and thats why Im seeking your help. I did research on XXXX that showed the hard inquiry is happening to others and is fake. 

Help
Product: Checking or savings account

I was working for XXXX XXXX  out of XXXX Tennessee. I lost my Debit/pay card and called Money Network to cancel and asked what can I do? They told me there wasn't anything they could do but send me a check.

I should receive the check within 7 to 10 business days. It has been two years now and still no check.

I have made several calls with no help from them.

I had moved onto a house boat and have them different address to send the check. Still nothing.

They did send me an email after I lodged the first complaint with you and stated they had sent the check out XX/XX/2022. 
I replied that I had not received the check and asked what address was it sent to and had the check been cashed. Still no reply. 
Please help me resolve this matter, I desperately need the funds. 
Thank you for your attention and assistance in this matter and hope you can help me end this ordeal. 
Looking forward to hearing from you soon. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One sent me a letter in XX/XX/2022 regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to XXXX on XX/XX/2022 ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from XXXX, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from TRANSUNION. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2023 my husband and I started working with XXXX XXXX of Mutual of Omaha-Mortgage to apply for a cash out- Refinance on our primary home. 

On XX/XX/2023, Mutual of Omaha took {$570.00} for an appraisal. Once finding out the company that Mutual of Omaha uses, my husband was weary because looking at the reviews of said company ( XXXX ) they have a 1 star rating with many complaints being low appraisals. 

On XX/XX/2023, our appraisal was completed and on XX/XX/2023, we were sent our appraisal, which came in WAY below what we expected as we are in a very prestigious neighborhood for our area. Immediately I sent additional comps and requested a reevaluation be completed. I was informed by XXXX that he would send everything to his manager as he is the one who handles this, but did confirm that he would follow up. 

Friday, XX/XX/2023 came, heard nothing. Monday, XX/XX/2023 came, nothing. Tuesday I sent XXXX an email, no response. Wednesday, I sent another follow up email, no response. I then forwarded the email to XXXX XXXX ( XXXX assistant whom we had been working with ) an email, no response. Wednesday I send an email copying everyone that we had worked with, including XXXX XXXX REQUESTING AN URGENT RESPONSE, and he called me to tell me that in order to request a reevaluation or rebuttal I would need to ( do what I already did the week previous ) submit additional comps and ask to be reevaluated. I explained to him how his company let me down and he at that point informed me that my loan had moved to withdrawal status due to the appraisal coming in so low. I feel as though this company is scamming people such as myself out of money they already do not have in the first place. I would like either 1. A company that is local and knows our area to come out at no additional charge to appraise our home. Or 2. Request a full refund of the {$570.00} that this company provided the way under appraised price for our home so that we can take our business elsewhere. We know the value of our home and the fact that this company totally dropped the ball on ANY follow up until AFTER being threatened with the XXXX, I find them to be a SCAM as well. Thats bad business. When I asked for a reevaluation, it should have happened that day, as stated. Not our loan going into withdrawal status and then having SOMEONE ELSE ( XXXX the XXXX with the same job title ) reaching out to us AFTER mention of XXXX being made.
Product: Debt collection

These two company have call and call me daily about a bill that is not mind
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a debt thats third party and its not mines its illegally to collect a debt thats not yours I dont know them nor do I owe them thank you please remove this fraudulent collection off my records please
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX, an account was opened for XXXX XXXX. The account was paid and a balance of {$490.00} was charged off, but bought by another company- Calvary Portfolio Service . This company is reporting the debt as a new account and it has stopped me from moving to an apartment for a new job. 

In XXXX a catscan was given by XXXX XXXX and my results was not reported to me. I later found out that I had a XXXX XXXX. In XXXX, I had a XXXX and was rushed to XXXX XXXX XXXX XXXX. The XXXX affected my XXXX and XXXX. I suffer from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and other health issues. I am currently seeing a therapist ( XXXX XXXX XXXX for the XXXX and XXXX XXXX 

These XXXX companies are preventing me from moving to another state for a job offer, because they keep reporting the default credit as new. I am at my wits end and do not want to get back in a depressive state. I am already in debt with student loans that were used to get my XXXX degree and pay for living neccesities for my children at the time. ( XXXX - XXXX ). 

I am supposed to start a XXXX position in XXXX, but can not find a living arrangement due to XXXX XXXX and Calvary Portfolio reporting my charged off credit as new. 

I need help!
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Debt collection

This company keeps calling my family and harassing them. They are asking them for my personal information. The calls are happening constantly now. In a previous complaint they claimed they werent doing this, so they lied to me and this organization. Attached images of recent voicemails left on my partners phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an alert from XXXX XXXX, regarding a decrease in my credit score. I logged into my account and noticed that Equifax Information Services LLC. was reporting an account that had been removed due to fraud/identity theft. XXXX XXXX was reporting. According to the confirmation number from Equifax Information Services LLC, confirmation numbers XXXX confirmed that the account was removed. Equifax INFORMATION Services LLC has violated my consumer rights according to the FCRA

15 1681. Please remove the account from my credit report. Attached is the supporting documentation. credit report, as well as FTC statement.