23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX close my account in XX/XX/XXXX and i tried to pay it current. XXXX XXXX Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the XXXX XXXX  account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to XXXX to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from XXXX. I have also filed a claim with XXXX  to correct the account. I have reported this company before for the abusive nature and tactics they take.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax data breach and inaccurate information needs to be removed. This Hard Inquiry : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 : XXXX Acct # XXXX has violated my rights Account name : XXXX XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX Acct # XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX  has violated my rights Account name : XXXX  XXXX XXXX XXXX XXXX has violated my rights Account name XXXX  XXXX XXXX XXXX XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX  XXXX has violated my rights Account name XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C. 1681Section 604A section 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S.C. 1681c ( a ) ( 5 ) a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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

Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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. my fico 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED 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 XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to pay my mortgage only to receive an error message every time I try to login and make a payment. It's unbelievable that the website works until I enter my ID and password and then I get a blank page with an error message. I should not have to pay a late fee when they are not providing a reliable site for borrowers to make payments. 

I am so frustrated that I can't make a simple mortgage payment to my loan servicer without having to contact the CFPB. I would rather my loan be transferred to servicer that is reliable and has a working website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX didn't properly resolve my dispute. Identity theft is one of the largest crimes committed in the United States. The application document that was sent with their response contains an unknown address ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I have no knowledge of this address nor is it listed/connected with any other accounts on my credit report. The application doesn't have a copy of my Valid ID Card with said address nor list the last four of my SSN to ensure security and verification. Just a signature that anyone could have forged. Which XXXX store was this application processed through? Have you conducted a thorough investigation questioning XXXX XXXX in order to verify my identity? I have checking accounts with XXXX but I have never pursued lines of credit.
Product: Student loan

I have Federal and Private Student Loans I repeatedly have been given wrong and different info depending on who you talk to. 
I needed to release my cosigner as she has XXXX. I spoke with a manager. She told me i just had to send a cease and desist letter. I wanted to stop the calls to the cosigner. I was : " behind in a payment '' The " Supervisor told me I could tack it on to the end.After 8 years of paying, I still owe XXXX dollars. After 8 years of sending the payment form to myself and the cosigner, last week they changed the address and sent it addressed to myself and the cosigner at the POA '' s address.On top of it ... they said I am still behind, the payment would not be tacked at the end. The cease and desist would only stop the calls for 2 of the loans, I need to also have a release the cosigner form filled out, as well as a XXXX form for the cosigner. And also the POA has to release her. 
I get different info every single time I call. 
Can anyone help? 
Tonight i spent 2 1/2 hours on the phone, they kept putting me on hold for 5 minutes, transferring me to different dept 's. They told me the person who changed the address this week was in the " Back Office Team '' and they do n't take phone calls. 
They have created multiple obstacles. 
Everything that I believed was taken care of by the " Supervisor '' was not taken care of and they made matters worse. 
Can I get any portion of this loan forgiven by the Dept. of Education? 
Thank You XXXX
Product: Consumer Loan

I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

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


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, 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 Equifax, XXXX, 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. 


Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00}
Product: Student loan

When great lakes transfer all their student debts to Nelnet, Nelnet was asking for more than I owed and when I asked for a verification letter. They never responded.
Product: Payday loan, title loan, personal loan, or advance loan

While checking my credit report I noticed XXXX/Oportun reporting two accounts that I did not apply for. I have never and would not seek credit from this company.
Product: Student loan

Refund processed received. XXXX payments totalling {$1800.00}. Balance outstanding raised by {$1800.00}. 

XXXX checks received in the amount of ONLY {$1700.00}. 

How? One payment was duplicated while another was left off. 
Each payment was made for a different amount so it was easy to see. 

XXXX checks were issued for XX/XX/2020 payment of {$100.00}. No check was issued for XX/XX/2020 payment of {$160.00}. 

I am still owed {$57.00}. Checks have been deposited. 

Will attach info and copy of checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have an existing mortgage with Wells Fargo on a home I've owned since 2007. All monthly payments have been made on time and most payments were in excess of monthly amount due. 

I tried to refinance my existing mortgage to obtain a lower interest rate. I provided documentation, letters, history, etc. and received no follow up questions. 

The reason Wells Fargo rejected my refinance was because : 1. Income stayed on application can't be verified and 2. Not enough time with current employer or current profession. 

1. I have provided all information requested and my income is easily supported with supplied documentation 2. I have been in the profession for over 15 years. I have owned or worked for the company for same period of time. There should be no issue with history. 

I believe there is no reason Wells Fargo would reduce their interest rate with a refinance when I already have a mortgage at a higher rate. I provided income and asset proof to show I am more than able to continue to pay on a mortgage. My FICO per Wells Fargo has historically been XXXX but recently dropped below to less than XXXX due to inquires on my credit ( which was done by Wells Fargo ). 

I am sorry to file this complaint since I've had great history with Wells Fargo but this situation is mind blowing to me. I have NO debt except the existing Wells Fargo Mortgage. My refinance request did not increase the amount of the mortgage. I've always been early or on time with payments and have overpaid mortgage amounts for years. 

There is no benefit for Wells Fargo to refinance and reduce my interest rate when they already have a higher rate with my existing mortgage. 

I am an open book and happy to answer/prove anything. 

Thank you. 

XXXX XXXX
Product: Checking or savings account

I am a long time XXXX XXXX Money Market Account holder. Rather than increase the yield on this account as capital one has done in the past ( current APY 0.8 % ), they rolled out a " new '' account performance 360 ( currently offering 3.40 % APY ), and did not adequately inform me of the differences and/or automatically upgrade my account to the new preferred rate. Either Capital One intentionally deceived a long term customer or was incompetent in there communications to the customers. A 2.6 % percent spread on ~ {$250000.00} is real money and their only recourse was to tell me to open the new account.
Product: Credit reporting or other personal consumer reports

Terminated contract we had but still sent me a bill
Product: Credit card or prepaid card

Hello, Thank you for taking the time to read this. 

One of my credit cards, issued by TD Bank, seems to " forget '' sending a bill about once a year. I am a meticulous payor, I pay all our bills on time and in full, as evidenced by our XXXX credit scores. The reason why I am reaching out to you today is my concern that is TD is attempting to game consumers by simply not sending paper bills about once a year and cash in on interest fees, late fees, etc. We have different accounts with TD for many years and the experience has been overall satisfactory, however the credit card division leaves a lot to be desired. If what I suspect is true, I can't be the only consumer experiencing this. This is the second year this has happened, and it results in about {$100.00} of fees. 

I hope that you can investigate this type of suspected fraud. 

XXXX XXXX, XXXX XXXX
Product: Mortgage

We have asked Mr Cooper since XXXX of last year to provide information to sell ( property has insufficient collateral for the amount asked prior ) and to refinance my house, mr cooper  has declined to collaborate with the courts and with the title companies and with the contracts pending. 
We are asking for verbatim from underwriting " Good afternoon, XXXX, Just wanted to provide a quick update - Underwriter has reviewed your file and is requiring the following additional items : XXXX ) Title shows a current XXXX on the property with Nationstar Mortgage. We need a copy of the most recent, full, mortgage statement in order to obtain a mortgage payoff demanD statement and a XXXX of Mortgage request - or - have Nationstar mortgage send to us directly ''. 
Please provide that documentation to the mortgage company and us  asap. It seems that the attorney that speaks for Nationstar is conveniently delaying the process so that he can cash the equity of the senior and all her livelihood in social security exempt funds that the bank already got. 

We need to settle this once and for all because it is causing emotional econmical and other harm to an innocent purchaser of value. 
Here is the address of the " department '' we spoke for misapplication of the payments that XXXX XXXX sent and got cashed by Mr Cooper  and they hold the cash but not applied to the XXXX debt of XXXX. Apparently there is another second loan statrted in XXXX with non owners and people who are not in equity in this property that gave rise to a wrongful foreclosure. 
We need to settle and move on. 
Here is the department we spoke with Nationstar Mortgage LLC Its Successors and/or Assigns ( XXXX ) XXXX XXXX XXXX XXXX, OH XXXX We have been on equity title since XXXX. Over 14 years and the debt was not paid since XXXX. Teh debt was created without our knowledge and consent on the peroperty but we want to settle and move on. Your attorney pursuit the wrong person for this debt
Product: Checking or savings account

There was a fraudulent charge with my debit card. I did not make a purchase and someone charged XXXX dollars in equator. I informed the bank within 2 business days and filed a fraud claim. The bank denied the claim and said they would take my funds.
Product: Debt collection

COLLECTION BUREAU OF THE HUDSO Last reported XX/XX/XXXX {$170.00} Open balance COLLECTION BUREAU OF THE HUDSO Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name COLLECTION BUREAU OF THE HUDSO