23daVinci/CFPB_Complaints huggingface dataset:
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 accounts 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 accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I have opened XXXX separate disputes for an account I paid in a settlement and both disputes came back as if I still owe the money. I have called the original reporting agency ( XXXX ) and they stated that they have not responded to any current disputes, they have also confirmed with me that I have a XXXX balance. I supplied Experian with the paid letter 2 times and still, they refuse to update my credit report. 

On another instance XXXX sent 2 out of cycle reporting to Experian advising them that I had paid off my balance and Experian did not acknowledge it, I had to submit 2 disputes with them to fight this. The first one came back as if I didn't pay and the second one only came back correct because I sent them a credit card statement and an email from discover confirming my XXXX balance.
Product: Debt collection

i called three years ago that i lost my card no one answered me only when i was put in the Collection Agencies i call them and i offered {$170.00} one time pay and they refused what i should do Thanks XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX  as seen in Exhibit D, I received a check from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX redeeming all of my remaining shares in my account with them in the amount of {$4300.00}. On XX/XX/XXXX XXXX I went into Wells Fargo Financial Institution located on XXXX XXXX in XXXX, Ga to cash this check as seen in Exhibit E. Then on XX/XX/ as seen in Exhibit F, approximately five days after the check was cashed, I began receiving alerts from my Wells Fargo account reflecting negative activity and falsely alleging the check that I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited into my account and returned as a bad check. On XX/XX/ XXXX XXXX I contacted Wells Fargo to inquire about the recent negative notifications received and was advised by a customer service representative on a recorded line that the check was either bad, or the company that issued the check had placed a stop on the check, and I need to contact the issuer of the check for details, but because Wells Fargo could not draft its funds in the value of the check, they deemed me liable and caused me damages by withdrawing the {$4300.00} from my checking account. The Wells Fargo representative also advised that I would receive a copy of the dishonest check in the mail which I received on XX/XX/ as seen in Exhibit G. On XX/XX/ Wells Fargo customer service representative confirmed that the check which I cashed was processed at closing on XX/XX/ and cleared on XX/XX/. Now knowing this information, I asked how XXXX XXXX XXXX XXXX XXXX, XXXX was able to place a stop on a check that processed at closing the day it was cashed, cleared 24 hours after processing, and that Wells Fargo authorized payment for five days before the stop was requested. To that, the representative could not provide an answer. On XX/XX/, I contacted Wells Fargo to inquire about why the check I cashed on XX/XX/ was falsely reflected within my account records shown as the check was deposited into my account without my authorization and returned as unpaid on XX/XX/ as seen in Exhibit F, the representative could not provide an answer. Wells Fargos unauthorized activity of falsely reporting on my account, and allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to issue a stop payment five days after payment on this instrument was authorized is dishonor and Wells Fargo is liable for the damages it caused.
Product: Mortgage

I recently refinanced my home. I paid for the appraisal out of pocket ( please see the attached receipt ). LoanDepot reimbursed me by increasing Lender Credit, as they promised. 

However, I was charged a {$490.00} appraisal fee at closing ( please see the closing statement attached ). 

My family has brought up this issue with the loan officer XXXX XXXX and his supervisor XXXX XXXX on XX/XX/XXXX. They have denied charging me an appraisal fee at closing. They have stopped responding after XX/XX/XXXX. Emails to them on XX/XX/XXXX and XX/XX/XXXX have not been returned. 

My family has asked the Escrow Officer XXXX XXXX whether or not I was charged a {$490.00} appraisal fee at closing. She has confirmed that I was.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX has the incorrect information on my accounts as far as account balances and late fees.
Product: Credit reporting or other personal consumer reports

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report XXXX seen that after looking over the laws set in place by congress to protect me none was followed by these different collections agencies the laws are as said 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 U.S.C 1681. Account name is ( XXXX XXXX XXXX IN in the amount of XXXX account number isnt even up on the site opened XX/XX/year> is on my consumer report and are in violation of the law I would like to sue these persons for impunitive damages as I con not find a place to live do to this under all these laws including 15 usc 1692 and 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 agency can not furnish an account without my written instructions. 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights. 15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything XXXX law XXXX edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Product: Mortgage

On XXXX of XXXX XXXX XXXX transferred servicing of my mortgage loan to Statebridge Company. This is modification loan and it has been issued by XXXX on XXXX of XXXX XXXX. 
On XXXX of XXXX XXXX Statebridge Company prepared Annual Escrow Account Disclosure Statement with an escrow monthly payment {$1500.00} effective XXXX XXXX, XXXX. After my complaint with CFPB the company lower it on XXXX XXXX, XXXX to {$1300.00}, which payment was still too high, because I sent to Statebridge documents, that my property tax for XXXX will be much lower. Statebridge set up a cushion and anticipated payments for my account. Even, when I paid a shortage of {$460.00}, the company did not lower my payment. 
Finally, on XXXX XXXX, XXXX, Statebridge lower escrow monthly payment to {$1200.00} but still maintaining a cushion of {$2100.00} and anticipated payments. My new hazard insurance will be only {$84.00} higher then year ago but my new property tax will be {$420.00} lower then year ago. In XXXX I paid {$11000.00}. 
So my monthly escrow payment should be {$970.00}, {$240.00} less then I pay now. 
Furthermore Statebridge does not send me any information about incentive payments since this is a modification loan. 
For me and my husband this is big difference and we hope that Statebridge Company make appropriate corrections.
Product: Credit reporting or other personal consumer reports

Synchrony bank added a XXXX account to my credit report and refuse to remove it. It has affected my credit and credit score. I sent a certified letter ( dated XX/XX/2024 ) to XXXX XXXX, XXXX ; a letter ( dated XX/XX/2024 ) to XXXX XXXX, Office of the President and email ( dated XX/XX/2024 ) to XXXX XXXX, Senior Specialist. They all refused to resolve this issue. XXXX stated that I am not responsible for paying the bill. They want my Social Security number and a copy of my drivers license. They did not have this information when they added the account. Clearly, this is fraudulent intent. Why do they need my sensitive information? Bank have been involved in these illegal activities, example : opening accounts in peoples names without their knowledge.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX  {$250.00} fraudulent charges " ( {$500.00} total ) were made at a XXXX store in XXXX XXXX. The next day, I called to report these charges to Wells Fargo and was told the matter was taken care of, the charges were removed, and I was issued a new card. 
I got a notice in XXXX that the fraud was " valid '' ( It is not, and I can prove it ) and I called again and asked for the matter to be taken care of. I was told not to pay the amount -which I have not - and a second replacement card was issued ( that I have not activated ). 
Once again, the fraud was determined to be valid charges by Wells Fargo ( though how I do not know as I have NEVER been contacted by their fraud department regarding this situation. When I called on Monday XX/XX/XXXX I was told that it was because it is a chip card -which makes no sense. I requested to speak to a manager or supervisor and was told none were available, but I would receive a call within 24 hours. It is now 48 hours later and I still have no call from a Wells Fargo Supervisor. 
At Wells Fargos request I have filed a police report with XXXX XXXX. If I had been advised to do son upon my first call I would have done so then, but I was not told to do this until recently. Also, I have my driving records from the day in question- XX/XX/XXXX. I use an app to track my drives as I work in outside sakes and get mileage reimbursement for work as you can see I was in XXXX XXXX specifically XXXXXXXX XXXX XXXX and XXXX the entire day of XX/XX/XXXX. I reside in XXXX XXXX. 
I do not visit XXXX XXXX and I did not that day. I do not shop at XXXX and did not that day. 
My card was and continues to be in my possession. I do not use it online for purchases and do not have it linked to any payments electronically. I dd not lend my card out nor have I given the number to anyone. My card was obviously hacked.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX : {$30000.00}
Product: Credit reporting or other personal consumer reports

Payment went 30 days passed due in XX/XX/2023. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on leave from my XXXX  XXXX  and not only did I have XXXX XXXX done, but my workplace docked my pay illegally. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and deduction of my pay, I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the XXXX.
Product: Money transfer, virtual currency, or money service

Sent money on Zelle without having them verify if Im sending to the right user, which resulted in me losing money to a random person and was not able to get money back. I have lost a couple XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX XXXX XXXX are are responsible for the following violations for reporting late payments to the accounts below. 


XXXX XXXX Currently on-time 2 Missed XXXX XXXX XXXX Currently on-time 1 Missed XXXX XXXXXXXX Currently on-time 1 Missed 1681b - Permissible purpose of consumer reports : ( a ) IN GENERAL Subject to subsection { c } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report? Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit agencies Transunion, XXXX and XXXX   have not removed erroneous derogatory credit report from student loan collection agencies. I haven't opened a student loan account for over 20 years, and if this were accurate, but it is not, it would be too old to suddenly report. I have disputed over 30 days ago but the derogatory reporting continues, appears to change company names, the credit agencies is not responding to their responsibility to investigate truthful reporting and remove within 30 days per FCRA 15 USC 1681et seq. 

Any Student Loan Collection Agencies for approximately {$30000.00} and XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX USA {$39000.00} Why is this suddenly showing up on my credit report for the first time? 
They just keep changing their names.
Product: Debt collection

XXXX XXXX of a law office called me from phone number XXXX XXXX XXXX on XX/XX/XXXX she told me that I owed money to easy cash asap and if I did not pay it she was going to send it to XXXX county as a lawsuit. I was planning on paying it anyway and told her I would pay it. I paid with a someone and was told I would get a receipt and it removed from my credit. I then got a phone call from XXXX telling me they had the collection and I still owed it. I said I paid it and they wanted proof I sent over the copy of the payment on my account and it now says in dispute. I call XXXX XXXX again on XX/XX/XXXX and left a message she called me back and said I would get a receipt and she would call XXXX. I have gotten nothing from her and it is still showing on my credit. Now when you call her there is no answer and her mailbox is full. 

I just called the number on the charge and it is not even a company that does this. XXXX XXXX XXXXXXXX XXXX XXXX 

I want my money back from XXXX XXXX or this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


Medical XXXX Balance : {$200.00} ; Medical XXXX Balance : {$170.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$100.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$600.00} ; Medical XXXX Balance : {$490.00} ; Medical XXXX Balance : {$850.00} ; Medical XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Calling over and over again Told them I refused to give any information or acknowledge any debt Told them to put me on a do not call list Still receiving calls
Product: Debt collection

I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. 

Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? 

I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.
Product: Credit reporting or other personal consumer reports

I Have a fraud loan of {$5400.00} reporting on my experian account with a fraud address ive never lived in in another state plus inquiries. i reported this FRAUD to the local police dept the FTC, IC3 & now the CFPB about the fraud loan i NEVER APPLIED FOR MYSELF.
Product: Student loan

XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to Equifax Data Breach.

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct.

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to officially notify your company of fraudulent accounts on my consumer report. I do not have a bankruptcy on file with the bankruptcy court. 


Delete the following in pursuant of : 15 USC 1681c-2. Block of information resulting from identity theft.

15 USC 1681a ( 2 ) - Prohibits the consumer reporting agency to that should be excluded that contains transactions from my report. 

Account Name and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX