23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I told them to stop calling the very first time they called me at work. Now they ( I can tell it is the same voice ) are calling me from a restricted number. I did not even know anything about the account they are claiming is mine. It would not let me download an audio file. Please watch the videos on XXXX of the images I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX XXXX in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/XXXX  removed. Thank you.
Product: Debt collection

The company is attempt to collect fee for service for a location that have never live. I did contact the agency and provided then my SSN and other personal information. 

The statement is requesting {$150000.00} as of XXXX. I have live at my present address for over 20 years and have never sign any contact with XXXX XXXX XXXX.
Product: Vehicle loan or lease

Wells Fargo is inaccurately reporting a missed payment on my credit report for XXXX XXXX XXXX this payment was never late and was not processed at fault of the creditor. 
Customer service member acknowledged to me the mistake and promised to remove the late payment, this had not happened. 

Payment was never late and is inaccurate
Product: Debt collection

This company attempts to obtain your money for the purpose of debt resolution and on their website states : " We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt forgiveness of an amount equal to or greater than {$600.00} may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. '' They won't however provide a transaction history or any sort of documentation that shows any payment history, contract agreements, whether or not the transactions include state sales tax, or a transaction history that can be reported to IRS. 

As of XXXX was said to owe {$3500.00} and paid {$200.00} on XXXX and have spoken to numerous debt collectors and they have all stated they refuse to provide any of that documentation and also did not know of any " payment agreements '' that were arranged
Product: Debt collection

XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2022, I used Affirm 's credit to purchase a guitar as a gift. The amount financed was {$1800.00}. I paid {$160.00} monthly from XXXX - XXXX. On XXXX XXXX, I made 2 payments : one for {$160.00} and one for {$960.00} ( the remaining balance ). 

In XXXX, I received notice that the amount owed was still outstanding. Affirm claimed I charged back the amount I paid them from account ending in XXXX. In reality, Affirm by their own admittance applied the credit to a foreign account ending in : XXXX. 

To date, the matter has been unresolved and Affirm filed a late payment with the credit bureaus. To avoid any more damage to my credit from Affirm, I paid the amount a second time and closed the account. 

Consumers beware of using Affirm to make any purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

The loan was originated at XXXX and then XXXX then sold to Specialized Loan Servicing. The original loan doesn't call for a loan payoff quote fee, however when I applied for a refinance with another lender a loan pay off fee was charged to my XXXX statement of {$25.00}. I called Specialized Loan Servicing company and I got a very rude CSR who told me they can charge me anything they want to charge me and I have to pay it. I was told as my loan was purchased that old loan contract is no longer governed. I asked for a supervisor and was denied to speak to anyone else. 
I feel this company is cheating people and charging fees they should not be allowed to charge or at least are not allowed by the constraints of the original contracts they purchased. 
I wonder how many people have been cheated like this by this company?
Product: Credit card

My spouse submitted a balance transfer request through her creditor XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/year>. She received notification on XX/XX/year> that the balance transfer payment was received and the check cashed on XX/XX/year>. That payment was never applied to my credit card balance. What we have gathered is that the payment was submitted through XXXX XXXX who still had old financial institution information for my creditor. I used to have an account through Barclay 's, but they sold my account to XXXX XXXX. Therefore, the payment from XXXX was sent to Barclay 's instead of to XXXX. I reached out to Barclay 's in XXXX, but since they no longer have my account- as it was sold to XXXX- they had no way of looking me up to determine if they received a payment for my account. They also had no idea who to transfer me to and suggested I reach out to XXXX. I did reach out to XXXX and on XX/XX/year>, they notified me that they have no record of the payment that XXXX XXXX sent in XXXX. I submitted a copy of the cashed check to XXXX for them to look into further. On XX/XX/year>, they notified me that they have received the documentation and were researching my claim. On XX/XX/year>, I received a final letter from XXXX stating that they " found that this payment was cashed by the previous lender of your XXXX Extra Points Visa account. We ask that you please contact the previous lender for any questions regarding this payment. '' We have already tried to contact the other lender ( Barclay 's ), but they have told us that there is nothing they can do because there's no way to look me up in their system. I have verifiable proof that Barclay 's received my money, as they cashed the check, but they don't know where the money is or how to get me to a department that does know. Now that this money has been lost, my wife is paying for the balance transfer on her card while I am still paying for the " balance '' on my original card. By submitting this balance transfer, we doubled our debt, and Barclay 's effectively stole {$8900.00} from us.
Product: Credit reporting or other personal consumer reports

I have submitted ALL information requested by Experian. Yet they are accusing me of this and this is NOT TRUE : XXXX XXXX XXXX, We are responding to your request that information in your personal credit report be blocked due to identity theft. 
Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that you are seeking to block. 
Therefore, we are declining your request to XXXX XXXXXXXX or more of the items of information. If you have additional relevant information that indicates that the disputed item ( XXXX ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( XXXX ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. 

This is a dishonest stall tactic. I have submitted ALL information required by the FCRA and EXPERIAN to BLOCK/DELETE these accounts.
Product: Debt collection

I have reported this account as fraudulant. I do not have a contract with XXXX XXXX XXXX nor with XXXXXXXX XXXX  nor with XXXX
Product: Checking or savings account

To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. 
I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. 
I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX  updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.
Product: Debt collection

The original account was a result of identity theft. I have disputed with XXXX XXXX regarding this fraudulent account and therefore their fraudulent collection account.
Product: Credit card or prepaid card

I received a letter from The Home Depot Citibank card services that there was possible fraud activity on XX/XX/XXXX. I called XX/XX/XXXX to update information and get a new card. There had been charge attempts, but they declined per the representative. My spending limit had also been increased from XXXX to XXXX, which I never authorized. My online account had seemed to be hacked so I changed my password, updated security questions, and added email and text notifications. In the middle of all this I realize that when adding my husband onto the account as an authorized user years prior they actually removed my name and replaced it with his. Meaning the account was his name and my DOB and SS causing even more confusion on who they would speak to regarding the account. Two weeks later, XX/XX/XXXX or XXXX, I logged into online account to find an estimated {$3000.00} charged to the account. I called CitiBank again and was informed that the card was never closed or reissued. They then closed the card, reported the charges as fraud, and issued a new card. Still having to deal with his name and my ss and dob. New cards were received and locked in safe. XX/XX/XXXX, I receive an email that my online account had activity again, so we called Citibank and requested that the credit account and the online account be permanently closed. The representative tried to convince me to keep the account and they would send me yet another new card and I refused. I will follow up in a week with them to confirm the account is closed.
Product: Debt collection

In XX/XX/2019 I set up a payment plan with the Thomas Agency to pay an unreported debt I received notice about. I had an old debt that had been reported and was about to fall off my credit after hitting the 7 year mark. So we made a verbal agreement to set up a 6 month payment plan. Since they would not put it in writing, I sent my checks with accompanying letters confirming the arrangement, the debt to be paid and that acceptance of the check was acceptance of the terms of the agreement. Now four months later it has been brought to my attention that they have been taking my  payments and applying them to the old debt. I noticed this after they pulled this debt off my credit report, only to re-report it the next month as a new debt. This has hurt my credit and the company is not taking any responsibility for this. Their only response was to take the payment off and report the same debt yet again. I do not know if this is payment plan of unreported debt is a scheme to get old debts paid off, but either way it is in breach of an agreement they made to me. Now I am in a position that my credit is going to get further destroyed, as a result of just trying to pay what I owe. I have saved my letters and accompanying check numbers.
Product: Credit reporting or other personal consumer reports

Please investigate this account. I don't believe this account is accurately reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was living with someone and they used my information to open a Wifi account and didnt change it to her name after I called to cancel it so Im being charged for something thats out of my control. I didnt have the information for anything for the XXXX  not the product to return when I called and reported my account needing to be closed due to someone using my SSN. They said they handled it
Product: Mortgage

The bank is aware about the circumstances we are sharing. Instead of helping us, they have used the information we provided for their advantage and decided to foreclose on the loan. We have been living XXXX XXXX  every single dayce lack of information we could obtain in the absence of the borrower. They gave tremendous amount of information that intended for their use of power of sale and careless about us as servicer Now they are up to buy back this property so in their possession without us knowing anything. We ask for rescission without approval but only do so when their trustee who also representing XXXX XXXX pursuing an unlawful detainer just to get the possession judgement from clerk It has been second time they continue sending massive random information pretending to offer workout plan but ignore our correspondence and used it as a quick reason to record another Notice of Sale. As of now, we do not receive Notice of Default as to how much is enough for them they tried to collect XXXX  XXXX of dollars before the last default which at the time was only XXXX. Unsuccessful negotiate with them, we asked for loan deferment but no one seem to know if it ever exist. Now they even create a barrier for us to obtain mortgage relief to stop us with reinstatement effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX XXXX XXXX  is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX XXXX was {$XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX  XXXX XXXX ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX  was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX. Now, XXXX years later with no cash out refinancing ever done, its totaling {XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {$XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX  XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Product: Credit card or prepaid card

My information was stolen. Someone got my social security information through this credit card and was using it to file for unemployment in my name and open a bank account with Wells fargo
Product: Debt collection

I received a letter dated XX/XX/2025 that clearly stated " This is an attempt to collect a debt ''. The account is not past due and has a XXXX balance. On XX/XX/2025 the account had a XXXX balance and was not past due at that time either. I have no idea why they would send a letter in an collect a past due account on a current account but I am convinced doing so was a violation of the Fair Debt Collections Prac tices Act. when I asked XXXX why they did that, she could not figure it out either. I then asked to speak to her supervisor and she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, mine & my husbands credit was hit with a hard inquiry from CoreLogic, even though we did not apply for any new loans/credit cards/mortgage/apartment rental. We are unable to get ahold of anyone at CoreLogic and it has lowered my credit score by 15-20 points when an inquiry was unnecessary and not approved. I have not received any paperwork regarding this inquiry from CoreLogic. I have no idea why they would have ran my credit.