23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received at least 10 emails from a debt collector names halstead financial telling me that I will be eventually sued if I do not explore my payment options. They stated its in regards to a XXXX XXXX XXXX credit card debt that I owe and I attempted to call the number provided in the emails. The number is not active so when I googled the company, I was provided a different phone number. I just called and spoke to someone who told me the last four digits of my social and that did not match mine. she asked me my email address and Im sure was going to ask me more information that I was not willing to give her. I only supplied her with a reference number which was supplied to me in the emails to collect the debt. She then stated I could opt out in the email and click the link. I told her obviously this is probably spam and Im not clicking any links in any emails, especially when they can not provide their correct contact information if they are legitimate. I told her I would contact somebody in regards to this to try and get accurate information. You can not call XXXX XXXX XXXX  unless you currently have a credit card with them. So Im unable to verify this debt is actually mine and not someone else elses. And if its attached to someone else with my name, then I need to figure out how to fix that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I am having issues is Equifax. I am trying to apply for an apartment and the apartment complex is not able to view my credit report because there is a freeze. I never put a freeze on my credit. I tried calling the company and they said I needed to verify my identity. They said the only way I could do this is to mail my information with a cover letter. They said it would take 7-10 days. So I mailed my information and I called back after two weeks and they stated my information wasnt processed. And then, they said I could actually fax my information. Which is something they said couldnt be done previously, even though I stated that I needed my credit score quickly. The calls are recorded so there is proof that they denied my request to fax my information. I just want my credit score to be available for my apartment to see my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Department of EducationXXXX XXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XXXX Department of Education/XXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
Product: Bank account or service

I am fortunate enough to have enough money that I never need to carry a credit card balance and pay interest, so I have instructed BofA via automatic bill payment software on-line to pay the full amount due from my checking account to my credit card. I was surprised when I checked my account last night and saw that the XXXX XXXX payment was actually not in full, but instead was only the minimum amount due. At first I thought I must have been mistaken - maybe I had not set the payment to be the total amount due, but I was pretty sure I had done so. When I called to inquire, I was informed by a representative that my payment instructions had " been adjusted on the back end '' because I had disputed a transaction. In other words, BofA software automatically altered my payment instructions. Their rational is that this protects me from making a payment that I should not have to. I pointed out that the result of their action was they were charging me interest on a credit card balance that should not have occurred. They were apologetic and reversed the finance charges after an hour on the phone, and conversations with XXXX representatives ( bank, bill payments, credit card ). They were aware that this 'feature ' in their software was causing " some issues '' with customers. On further research, I learned that the bill payment software had " adjusted on the back end '' my payment instructions 4 times in the last 5 months, resulting in finance charges each time. At no time did they inform me they had done this. Thinking back on it, I thought each time that I must have messed up some how and shrugged and went and paid the finance charges. But think about it : there are probably hundreds of thousands, if not millions, of people just like me who thought they instructed the bank to pay their credit card balances in full, only to have the bank " adjust the payment on the back end '' WITHOUT INFORMING THE CLIENT, resulting in a finance charges in favor of the bank. They know this is happening, they know it is upsetting some clients, but they do not inform the clients of the adjustment or offer to repay the finance charges unless the clients call in and argue about it. BofA is probably netting millions or tens of millions a year in ill-gotten finance charges as a result.
Product: Credit reporting

There is a mis-spelling of my name that is reported and an address that is NOT mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than 600 dollars. If the charge off is over 600 dollars is reporting to your consumer report they are commiting tax fraud.
Product: Mortgage

This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.
Product: Credit reporting or other personal consumer reports

I show 3 incorrect credit checks on my Experian report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed immediately.
Product: Payday loan, title loan, or personal loan

Republic Finance did not inform me that insurance was not needed to secure loan but Republic Finance used my need for the money and/or fear of not getting loan against me and encouraged adding insurance to loan Received check for XXXX, amount financed XXXX finance charge ( dollar amount loan will cost me ) XXXX but amount of debt totaled XXXX If I do not try to pay off sooner will end up being charged XXXX, XXXX Republic Finance practices encouraging insurance and motor club as it jacks up debt owed I signed and submitted document within 30 day limit to cancel insurance amounts of XXXX XXXX XXXX which totals XXXX Republic Finance refuses to remove these insurance fees from my loan amount Republic Finance also refuses to remove car club XXXX from my debt as I cancelled this service as well within 60 days I asked if Republic Finance accepts lump sum payments that are applied towards principal only and Republic Finance responded " NO '' In my opinion all the practices I have outline make it next to impossible to pay off debt sooner and this company is out to GOUGE you not HELP you
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 {$0.00}, {$10000.00}.

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 ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

This is not my account. I have no knowledge of this account 15 usc 1681b
Product: Credit card or prepaid card

I have contacted them several times to close my account. Each time they indicate they understand what I want and say I need to pay the outstanding balance. I pay the outstanding balance, they still don't close the account and the next month I get another bill for the monthly fee. I am hard of hearing so it is difficult for me to keep calling which doesn't seem to do any good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charge me for three days XX/XX/XXXX XXXX XXXX and a late charge later they took off the late charge but I never stayed on XXXX XX/XX/2022! This was in XXXX XXXX XXXX XXXX at XXXX XXXX, next to the XXXX  I was charged for all the different taxes and surcharges for the XXXX even though the room charge looks like it was removed according to my credit card company it looks like I was charged to stay all the way to XXXX XXXX Ive been fighting this for almost 3 months now and my credit card company wants more information what the problem is I havent been able to get the XXXX XXXX management can you send me a receipt for the bill nor have they ever replied to me ever since I have sent the messages!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I have been receiving credit/loan denial letters in the mail at my current home address from multiple banks and credit unions where someone has attempted to apply for a loan in my maiden name. I checked my credit report and placed an initial fraud alert on my credit through XXXX. I'm afraid someone has my social sec #, current home address, and definitely my maiden name, XXXX XXXX. My name is now XXXX XXXX XXXX ( married in XX/XX/XXXX ). There are upwards of 11 soft inquiries on my credit report, most of which occurred on XX/XX/XXXX and XX/XX/XXXX. The last time I applied for credit ( myself ) was through XXXX XXXX  ( XXXX ), when I opened a credit card to purchase furniture. I am concerned about my finances, credit score, etc. My credit is very volatile because I do not have many open lines of credit, and my mortgage is in my husband 's name and my car is paid off. These inquiries have dropped my credit score by XXXX points. Please advise me on what to do. Should l place a credit freeze with all 3 major credit bureaus? Or is the fraud alert enough to keep me safe? Also, is there anything I can do to dispute these inquiries and raise my credit score?

There are 3 loan applications from XX/XX/XXXX ( that were not me ) made at PENFED Credit Union. Personal Loan Application # XXXX, XXXX, and XXXX ( see attached letters ). Wondering if they have any knowledge if these applications were done online or in a branch. What are their requirements for applying for a loan? I'm trying to understand what information someone has of mine. Ex. ) old driver 's license, piece of mail??? 

Thank you, XXXX XXXX XX/XX/XXXX Cell : ( XXXX ) XXXX
Product: Student loan

I filed my REPAYE application in early XX/XX/XXXXand myfedloan has still not processed it. First they told me there was some type of delay and put me on a forbearance or deferment. Then, they asked for a {$5.00} payment in the beginning of XX/XX/XXXXwhich I made and then failed to put me on the reduced payment plan. Rather they put me on the regular payment plan with a payment I could n't afford. I was assured that the reduced payment was coming soon despite my account and statement showing a very large payment. Very close to the due date of the large payment I reapplied for REPAYE and when I called for the status of my application I was told that my original REPAYE application had now been rejected and that I had to restart the whole process. I thus had to apply for a forbearance which I did n't want to do.
I would sue this company but I do n't think there is a private cause of action for what they did being that it seems it is preempted by the CFR regulations.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the inaccurate entry on my credit file. Despite multiple attempts to request the deletion of this negative entry, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Product: Debt collection

On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Wells Fargo Auto. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. I never asked or gave Wells Fargo Auto permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) a and 15 USC 1692j ( a ). On XX/XX/2020, Wells Fargo Auto sent me a statement/bill of an alleged debt., with important auto-loan information stating that I received a loan. I never received a loan from Wells Fargo Auto, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).
Product: Credit card

Almost XXXX XXXX ago I applied for a Citi XXXX XXXX credit card after a years of throwing away the promotional mail. Even though I have repeatedly identified myself with representatives, I am still denied the completion of this card. My application is now in the fraud department. 
I have no idea why. No one has called me. It appears that Citi used the XXXX instead of test to finalize the process. 

I have no idea what is wrong and no one will tell me. 

The account was opened with a balance transfer request. I had called back to change the amount of the payoff. 

The balance transfer has not been processed.
Product: Debt collection

I WAS TOLD THAT THIS ACCOUNT WAS GOING TO BE REMOVED FROM PRA! Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Product: Credit card

I made a payment of XXXX on a XXXX limit credit card. My credit limit was caped at XXXX. When I called, the rep told me there were a number of reasons why a payment would not be credited to the account. None of the reps I spoke with could articulate any of those reasons, nor would they provide me any of the documentation they were referring to that covered those reasons. 

I have attached the actual published agreement. Discussion with the reps indicated that there was an automatic hold placed on payments that were half or more of the the credit limit, for accounts that were younger than 6 months. They suggested that there were other similarly arbitrary, automatic, and non-reviewable rules that could result in additional payment holds, and that none of those rules could be disclosed. Nor were the representatives aware of all the rules.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
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 XXXX 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 XXXXXXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$4300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free credit report