23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate credit information reported under my legal name XXXX XXXX XXXX, XXXX XXXX and associated derivatives. This information has been furnished erroneously, as a recent UCC-11 search confirms that no debt exists for the legal name in question. Additionally, this misinformation constitutes a violation of the Truth in Lending Act ( TILA ). In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws
Product: Student loan

This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous.

Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed public record XXXX XXXX XXXX XXXX  XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA XXXX ( XXXX XXXX. XXXX i and the information must be delete immediately!!!
Product: Debt collection

Spring Oaks Capital LLC reported a debt of {$1600.00} to the the credit bureaus on XX/XX/year>. They failed to successfully contact me before reporting.
Product: Debt collection

Portfolio Recoveries has 2 accounts on my credit report. I have repeatedly disputed these accounts on my credit report due to inaccurate balances. I have asked for proof of balances and instead Portfolio will continue to send letters demanding payment. Ive never received actual proof of me owing the balance they claim I owe. Please remove these accounts from my credit reports.
Product: Mortgage

Wells Fargo took money from our escrow account to pay for some elses parcel. 
We realized this when we received our escrow account review in XXXX. Our escrow account a shortage of {$4300.00}. The new payment would be XXXX. Our previous payment was XXXX. After reviewing the activity we noticed several charges that were not ours. We called Wells Fargo and explained to them.They informed us they would research and get an answer. On XX/XX/XXXX we spoke with them.They told us they made a mistake. They paid another parcel with our account and also paid our parcel. They told me that everything would be refunded that was mistakenly paid. That was a charge of {$840.00} to the township and {$2700.00} to the school district in XXXX. I have talked to them multiple times with multiple individuals. They keep telling me it will be resolved but each time the date is pushed back further and nothing is resolved. They keep saying they are trying to resolve the issue and it will take more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The XXXX XXXX XXXX
Product: Mortgage

Unfortunately, I have to submit another complaint because there has not been any responses from Wells Fargo to me directly since I filled the initial complaint. In my last complaint WF stated that they provided me with a partial response and that they 'd need 60 days to investigate. They have not provided me any additional information regarding my case. XXXX XXXX XXXX contacted in response to my initial complaint and said she 'd follow up and call me back. I have not heard from her since. I have tried to contact her numerous times, but without success. It appears WF is intent on letting the property go into foreclosure sale next week and yet give the impression they are working with me and need 60days to invstigate. It ca n't be both ; either one way or the other. I believe this is a violation of my rights as a homeowner who is facing foreclosure. This is on the CFPB website regarding protections for homeowners that are experiencing problems and possibly facing foreclosure. WF has violated each of these areas : Strong Protections for Struggling BorrowersRestricted Dual-TrackingNotification of Foreclosure AlternativesDirect and Ongoing Access to Servicing PersonnelFair Review Process : No Foreclosure Sale Until All Other Alternatives ConsideredWIll someone take up our case?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXX/XX/XXXX has violated my rights in the amount of {$970.00}. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Duplicate Student Loan Accounts Reporting Incorrect Balance I am writing to formally dispute inaccurate information on my credit report regarding my student loan accounts. It appears that my student loans are being reported as duplicate accounts, causing my total balance to be incorrectly reflected as double what it should be. This error is negatively impacting my credit profile, and I request an immediate investigation and correction. 

Details of the Disputed Accounts : Lender Name : XXXX Account Numbers ( Last Four Digits ) : XXXX, XXXX ( Duplicated Accounts ) Incorrect Reported Balance : {$160000.00} Actual Balance Owed : {$84000.00} Upon reviewing my credit report, I have noticed that my student loans appear multiple times under different account numbers or with slight variations in reporting, despite them being the same obligation. This duplication is causing an inaccurate representation of my debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that your bureau conduct an investigation to verify the accuracy of these reported balances. If these accounts are found to be erroneously duplicated, I ask that the incorrect entries be removed or corrected immediately to reflect my true balance. 


Please confirm receipt of this dispute and provide updates regarding the investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with XXXX XXXX Auto Finance. I was violated on my rights as a Consumer. XXXX  XXXX XXXX XXXX has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX XXXX I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and see that there is a collection on my account from XXXX XXXX XXXX for an apartment I did not stay in. I have a lease agreement and a move in statement for XXXX XXXX XXXXXXXX. They are collecting for an XXXX XXXX XXXX. I want this removed from my credit report immediately as it is hurting my ability to obtain credit.
Product: Credit card

I filed a dispute on Cash app to XXXX after I purchased a video game key and wasn't given it I contacted the seller and was refused a refund and denied the dispute on Cash app
Product: Debt collection

I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXXXXXX XXXX These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received communication from a debt collection agency through text messages by the name of PENDRICK CAPITAL PARTNERS. This agency has already assumed an alleged debt belongs to me by providing a link attempting to persuade me to click the link. It seems deceptive and I'm speculating that it may be an attempt to get my private information so they can keep it for their records. I have not received enough information regarding the alleged debt the mentioned nor a contract with my signature. Tennessee state law requires debt collectors to have a license before they can collect from any consumer in Tennessee. I researched their company, and they do not have a Tennessee license. This is a violation, an invasion of privacy, and harassment.
Product: Consumer Loan

I tried responding as a despute but I kept getting an error. 

Case number : XXXX My response today I have been charged NSF fees, {$45.00} to be exact, but that is not the issue I am complaining about. In almost every statement there is charged called a billed finance charge that has added up to {$1000.00}. There were a few approximately XXXX different months when I receive a NSF due to too many things going through my account. I paid them when everything cleared on my account. The NSF issue was resolved by charging me the XXXX charges of {$15.00} as you can see in the statements. I 've been faithfully paying and my payments, and so far I have invested XXXX {$3600.00} into this. Almost a third of that money has been taken by these billed finance charges. I keep getting harassed and contacted by Borrowers First, urging me to give them money, yet they still have not even addressed the obvious large charges on this account. In addition why would my payments suddenly go from {$290.00} to {$620.00}? 

Payments XXXX NSF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*XXXX XXXX XXXX The companies previous response/ what I am responding to. 

XXXX has researched XXXX complaint and has determined that this loan has been paid down from its original balance. The original loan amount was {$7500.00} and the pre-paid finance charge was {$370.00} ; therefore, the amount originally owed was {$7800.00}. XXXX current loan balance shows as {$6700.00}. Additionally, by reviewing the monthly statements submitted to the CFPB and XXXX account, the loan has not negatively amortized. He has incurred many NSF fees which has added to the overall outstanding balance of the loan, but these NSF fees have not caused negative amortization of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.