23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wish to file a complaint against Wells Fargo Mortgage Company ( WFMC ). I have been with WFMC for eight years. I understand that the mortgage is due the first of each month, and a late fee is assessed on the fifteen of the month. I normally paid my mortgage around the fifth or sixth of each month and I never received a letter or a telephone call from WFMC indicating that the mortgage loan is late and the company is trying to collect a debt. 
XX/XX/XXXX-XX/XX/XXXX, I contacted WFMC for a loan modification. The loan was granted and it was mentioned to me that I was a good customer. Nothing has changed, I continue to pay the mortgage around the fifth or sixth of the month. Since I have received the loan modification, WFMC have been calling me on the second, third of each month indicating that they are attempting to collect a debt. The company never did this before. Because I received the loan modification, I guess WFMC assume I am a " High Risk '' customer. 
These harassing telephone calls are very annoying, and I request that they cease calling me. Should I not pay my mortgage before the XXXX of the month, then I can understand WFMC contacting me. 
I would like to know if WFMC contact all of their mortgage customers that does not pay their mortgage by the first of the month or do WFMC just contact the loan modification customers indicating a debt needs to be collected.
Product: Credit reporting or other personal consumer reports

With specific regards to FCRA code XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer. 

Failure to report these late payment accurately is a violation of consumer right to privacy and other rights under FCRA. XXXX is entitled thorough investigation of complaints as FCRA guarantees and any failure to do so is a violation where financial damages can be sought. Simply stating XXXX is not sufficient of a thorough investigation. 

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

I have requested many times to Equifax to resolve my credit issues. Someone else 's information is showing under my name as that person have few bankruptcies and bad records with many companies. Equifax mixed my information with him and it affects my credit score and cost me much for the wrong information on my record as companies are rejecting my loans and requests due to bad credit of another person. I am requesting to Equifax from last 4 months to resolve but nothing has been resolved and everytime they issue me a ticket number and after two days i receive email that everything has been fixed but no changes on my account. I have requested nearly 10-15 times for my record in past months but no response from Equifax regarding my record. I already suffer almost a {>= $1,000,000} loss due to Equifax Mistake.
Product: Debt collection

Trying to collect some debt that I keep disputing was opened without my knowledge or fraudulently keep saying its accurate without any proof showing me its mine want it removed from my credit report or Ill have to seek legal action
Product: Checking or savings account

I XXXX XXXX XXXX  charged my account XX/XX/XXXX for the amount of {$800.00} and XX/XX/XXXX {$1600.00}. They informed me that I will be getting a refund a month went by XX/XX/XXXX I didnt receive my refund so I called the bank to file a claim. I was not given a response of the outcome of claim. I waited and merchant keeps saying 30 days every time I called. Now its XXXX still no refund. I called the bank to file a claim they wanted a confirmation letter that merchant is going to issue a refund. Then they denied my claim because merchant states they will issue the refund its been more than a year. I dont have my money. I have called the back more than 50 times and did my part as a customer. The bank has given me a run around. The merchant committed fraud by not giving me my money back and Im supposed to have insurance fdic insured but they wont do anything to help me.
Product: Debt collection

First Heritage Credit sent a personal loan check to the property I own in South Carolina, and someone cashed the check in XX/XX/2022. I was unaware of this transaction until it hit my credit report.
Product: Student loan

I received correspondence from Wells Fargo advising there was an error in how my loan payment was being calculated and they would update that and me on what my loan balance should be. This revealed Wells Fargo was estimating my loan payment based on a 20 year repayment term instead of the 25 years on my promissory note. The correspondence provided to me by Wells Fargo advised that any late fees incurred as a result of this incorrect payment that was required will be reversed. I contacted Wells Fargo regarding any deferment taken during this time if an allotment would be made. The customer service representative advised me it would not and did not let me speak to management as I requested. The representative advised they could not assume had the payment been lower I would have been able to make it and would not have used deferment, despite the fact that they are assuming the same for late fees. I do feel a portion of deferment should be allotted back to my account based on Wells Fargo 's negligence. I do not think it is fair to require I use the same deferment for an additional 5 years, particularly when Wells Fargo is making the assumption late fees should be waved because of their incorrect payment calculation.
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with XXXX XXXX XXXX XXXX 

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was hospitalized at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the XXXX emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the XXXX Emergency. 

Up until the medical emergency, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
Product: Credit reporting or other personal consumer reports

After a car repossession, I made a settlement agreement with XXXX XXXX XXXX to pay {$1200.00} to settle an approximate {$2600.00} remaining balance on the loan. I agreed to the terms and paid {$1200.00} on XX/XX/XXXX. Everything was wiped from my credit, and I purchased a home in XX/XX/XXXX. Several months later, without my knowledge, my credit report was impacted. The incorrect debt has been sold several times in the last couple years. In the last several months I have contacted XXXX and Radius ( who currently has the debt, but can not produce any records ) to solve this issue to no avail. I need this incorrect information to be removed from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the extremely poor customer service I received during my telephone call with Equifax. I am filing the same complaint in less than a week through the CFPB. I was spoken to as very disruptive, impolite, disrespectful, and rude by a supervisor ( XXXX ). He would not let me finish the conversation and kept cutting me off. I politely asked him about removing the identity theft off my credit according to FCRA 605B. He lied and said I did not have the identity theft charge on the F.T.C. complaint. It is a holistic lie. I am attaching the exact complaint they have with this letter and a copy of the FCRA 605B document. I then asked him several more times to please remove the fraud after I was informed about his egregious oversight. I deemed this to be a reasonable request. 
I am not filing this complaint haphazardly, rather I am complaining about the disrespect I received from a person in a managerial position. I am appalled at this behavior from a manager, and Equifax, and I am disappointed that I was lied to and disrespected. I request that you take disciplinary action against Equifax to correct the unjust and bold behavior pattern. Having consistently complained about this identity theft for nearly one year now, I regret to point out that Equifax has let me down again. Supervisor XXXX should be terminated. However, they will not terminate because they condoned this type of disrespectful conduct, and it is a trait of Equifax. 
In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. Equifax created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Equifax about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force Equifax to do the right thing. I look forward to an uneventful resolution of this matter.
Product: Payday loan

Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00}
Product: Credit reporting or other personal consumer reports

I sent a complaint on XX/XX/year>. The complaint was about incomplete information, inconsistencies, and other inaccurate information on my credit report. 

The reinvestigation for the account came back as verified, but still had missing information, inconsistencies and other inaccurate information. According to 15 usc 1681 i 5, after any reinvestigation, if any information is still found to be inaccurate or incomplete the reporting agency shall delete the information from the file.

I would also like to know how the reinvestigation was handled according to 15 usc 1681 i 7, I am allowed to know how the investigation was conducted.

I think a fair resolution to this complaint is For the deletion of this account.

15 usc 1681 i 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 usc 1681 i 7 ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a report on my XXXX  XXXX XXXX dashboard that my credit score was reduced from XXXX to XXXX. Thinking that was a significant drop, I reached out to TransUnion who provides the score too XXXX. After hours on hold, I finally reached an agent who suggested I pay {$9.00} to receive a credit report in the mail. He said that he could see why the number had dropped but was not at liberty to disclose. He said if I paid for the written report to be mailed in 5-7 days, it would be clear why the decrease occurred. 
I paid and waited. I received the report in writing and it provided nothing but good information that all accounts were in good standing. 
I called XXXX  and was told that my credit score was XXXX as of XX/XX/20. 
I called TransUnion back and, once again, was told that they could provide no further information unless I paid ( another {$9.00} ) for a credit score, this time. That information would give me detail. The agent told me I could do it online. I tried but the online process was unavailable. 
This sounds to me like a form of torture ; to someone who takes his credit status seriously. 
Help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent several debt validation letters and haven't received what was asked for also tried to dispute with credit bureaus. last letter sent XX/XX/XXXX disputed with bureaus XX/XX/XXXX, XX/XX/XXXX. I sent validation letters XX/XX/XXXX, XXXX. they havent furnished me with what was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX XXXX XXXX {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$82.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from ONEMAIN on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from One Main Financial and I have been injured.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT NOT RESOLVED Source XXXX  Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name WELLS FARGO DLR SVC/XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX State NC Zip XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

I have hard inquires on my credit i did not authorize called credit bureau and company and not getting anywhere
Product: Mortgage

The complaint is about Wells Fargo home mortgage added a repossession of an automobile to my mortgage balance. That the balance of the repossession was added to my mortgage balance. This happened last year and I wasnt notified. The company is Wells Fargo. Myself and Wells Fargo. I would like to know if I have a class action lawsuit against with Wells Fargo and if I can have my mortgage removed from Wells Fargo without refinancing it. My mortgage is a VA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.
Product: Debt collection

I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.
Product: Checking or savings account

Bank of America can not handle a fraudulent XXXX case that caused me to steal unauthorized {$3300.00} from my checking account without my knowledge, authorization, or the unknown destination of the people who stole this. They have disapproved of my case, claiming it's unresolved after being researched. 

XXXX XXXX XXXX CLAIM NUMBER : XXXX ACCIDENT DATE : XX/XX/2023 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I did not open these accounts, they were a result of identity theft and this company refuses to accept my disputes and or correct the problem.
Product: Credit reporting or other personal consumer reports

Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX (XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) EQUIFAX - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX) XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX ( XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
Product: Debt collection

A representative called me and did not disclose the company name when I asked specifically and repeatedly to know what company was calling me.
Product: Debt collection

I have spoken repeatedly with Remex to resolve this issue. I have a claim number and a payment number provided by a state employee. Remex is requiring an explanation of benefits as proof - however, consumers are not able to request this information. The provider is to request a remittance by calling XXXX and providing an NPI number. I have spent days and countless hours speaking with representatives from both the NY XXXX and Remex, and nothing has been resolved. I am physically unable to obtain a copy of the EOB due to HIPPA regulations, and Remex/Well Now has made it blatantly clear they will take no steps to follow the procedure set in place to acquire this documentation. 

As I have taken the steps to provide proof and have been met with accusations that the debt remains unpaid, I consider this a fraudulent attempt to collect a debt that has been paid over a year ago. A state employee with the NY XXXX has suggested I file a report with the state. 

Claim : XXXX Payment number : XXXX This has severely damaged my credit score. I have gone from an XXXX to XXXX after a history of perfect payments. 

Please help me to resolve this issue! 

Thank you! 

Best regards, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX