23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.
Product: Mortgage

In XXXX I originally signed documents with mortgage company and title company on my payments for home to be around XXXX per month a few years later Wells Fargo notifies me by letter stating they incorrectly calculated my Escrow and they had not been taxing the home only the property so they increased my mortgage payment to over XXXX dollars which was way over what I originally was told by mortgage company and surely something that was going to be un affordable. I have continued to have problems with them year after year. They should have never changed the amount to what I had originally signed for and I have had to go thru a modification several times because they made a mistake and have created so much stress with my mortgage. Increasing my payment to over XXXX dollars more a month is unacceptable on their part. I am appealing with Wells Fargo for a 3rd time. I am about XXXX dollars behind on payments a little over 6 mos. They continue to be unfair and previous modifications have been unreasonable. I am currently starting another appeal and there is NO sale date as of today XX/XX/XXXX. I notified them by phone today and will be faxing documents to Wells Fargo regarding appeal.
Product: Credit reporting or other personal consumer reports

I am seeking your help with the incorrect account that is listed on my credit report. This issue has severely impacted my reputation, and I need your assistance. Your mishandling of my credit report has put me in a difficult situation, and the false reporting has tarnished my reputation. These inaccuracies need to be removed immediately from my credit report.
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} Medical XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter.

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 2.Assurance that these inaccuracies will not be reinserted into m
y credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra XXXX that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from XXXX to XXXX for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Product: Mortgage

To whom this may concern. My Name is XXXX XXXX, formerly XXXX at the time my parents will was written. I am writing because WellsFargo took advantage of my elderly parents on XX/XX/XXXX. My parents previously had a mortgage with XXXX XXXX XXXX, that included an insurance plan that would pay off the balance if my mother XXXX XXXX XXXX or XXXX XXXX XXXX, life ended. My parents were denied this additional due to their age according to WellsFargo, in addition to that WellsFargo did not act in good faith. The interest rate was XXXX, with an adjustable interest rate, with a host of repayments charges on top of the fact my parents had limited income with limited education and clearly did not know what they were signing up for. My parents attempted to cancel the loan to refinance but WellsFargo consistently said it too late and nothing could be done. It was only a day or XXXX had passed and my parents were still denied. My father died the following year in XXXX, and my mom passed away in XXXX. I basically have inherited this debt because my parents willed the property to me. I am aware of the mishandling of home loans during that time. I writing to get before filing a lawsuit. My parents purchased this house for {$42000.00} in XXXX WellsFargo did shady business with XXXX elderly uneducated XXXX XXXX  couples with the intention to steal the property. There was no way my parents couldnt maintain those payments living on social security. They should have never qualified for a refinance. I have all of the original paperwork, death certificates, will and the denial of insurance on the property in case of death. WellsFargo need to be held accountable for this enormous balance remaining and their abuse with regards to taking advantage of the working poor with the intent to foreclosure on the property. I can scan or email the original documents or whatever else is required. Thank you for your attention in this matter
Product: Debt collection

This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.
Product: Checking or savings account

They decided to close my account, and I was advised that my remaining funds would be transferred to the linked account on file or a check mail delivered to my address on file within 8 days of the account closing. This was a payroll account, and it's causing me hardship. They are keeping my money to allow interest to build for their benefit, which clearly is what's happening. it has now almost been a complete month that they have been withholding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts That Dont Belong To Me : XXXX, XXXX. 
XXXX Experian - XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} XXXX - 11 XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} Hard Inquiries : XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX - XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided
Product: Student loan

hello I am having problems paying my bills after stepping down from being a XXXX back in XXXX of 2015 and have repeatedly told Navient ( which is a new name for XXXX XXXX ) this and even sent them pay stubs and bank statements I also pay child support XXXX a month and bring home XXXX a week I can not pay my bills on time with that I am struggling to make ends meet with that last month ( XXXX 2015 sent all my documents over to them they want me to pay XXXX a month for 15 months fine and dandy but I can not lose a pay check a month I want to repay these loans but I am not even to pay due to the amount and what I pay out a month pretty I am not physically able to pay anything and am afraid it I start paying I will lose my place of residence. I have been going back and forth with them for months now I have found the CFPB and I have a few days left to make a XXXX payment that I can not physically afford to do.. I need help bad I can pay XXXX easier I have told them this and they will not take into consideration that I have lowered my pay since XXXX of 2015 from XXXX to XXXX and hour please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fail to investigate my dispute that file on XX/XX/2020 and XX/XX/2020 they are in violation of the FCRA. can someone please assist me with having these items verify
Product: Debt collection

Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.
Product: Debt collection

Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed for {$500.00} via Cash App by someone portraying to be a company that handles shipping services for businesses. 

I contacted Cash App and reported the account immediately once I realized I was scammed, Cash App stated they would investigate and submit a refund request to the other party on my behalf, and let me know something by XX/XX/XXXX. I sent another follow up one week later, and was told there wasnt anything they can do about it. 

As a result, I escalated the matter through my bank. 

My bank reversed the payment from my Cash App account on XX/XX/XXXX, since I added cash and didnt send payment directly to the other party where the money was pulled from my personal bank account. That was the only way my bank could resolve it. 

Cash App now placed my account in the negative of {$500.00}, instead of collecting the {$500.00} from the person I was scammed by. Not only did Cash App let the scammer walk away with a free {$500.00}, they also expect me to pay {$500.00} to bring my cash app account out of the negative, which happened as a result of them not doing their due diligence. Im reporting them for fraud and for attempting to scam me out of an additional {$500.00} which they could have recovered, by just pushing a button.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX  Account NumbeXXXX : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax puts old accounts on my credit report to intentionally keep me with a low credit score illegally conspiring with financial institutions and collection agencies to punish me.
Product: Credit reporting or other personal consumer reports

I have XXXX identity theft accounts on my XXXX, Equifax and XXXX consumer reports. They are with XXXX XXXX XXXX  and XXXX XXXX XXXX 

Even though I sent notification to all the parties and attached a police report twice, the information has not been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX, Has violated my rights. 
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 instructions
Product: Credit reporting or other personal consumer reports

The LAST REPORT date has been inconsistently updated. On TransUnion, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On XXXX it's XX/XX/XXXX. The LAST ACTIVE date has been inconsistently updated. On TransUnion, the date last active is XX/XX/XXXX. On XXXX, the date last active is it's XX/XX/XXXX. On XXXX it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Repeatedly reporting updates every month or each time the account is inquired about, the statute of limitations is extended, every update makes the account look newer than it is. Re-aging the account is illegal. Please delete these accounts from my report : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX XXXX XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX