23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

YOUR COMPLAINT I applied for this installment loan on XX/XX/XXXX2019 for the amount of {$800.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 646.25 %. 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XXXX/XXXX/19, & XXXX/XXXX/19. A total of {$480.00} I closed this checking account because I had taken out several of these in the middle of a gambling spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX problem and am in XXXX and XXXX   XXXX. I am getting help for this problem. 
I have contacted MyLoanSite and asked for a settlement. They will not accept less than {$1100.00}. Making me pay a total of {$1500.00} for a {$800.00} loan. I was told that I could pay {$180.00} per month for 5 months and a final payment of {$170.00}. I am asking for a more reasonable settlement or lower monthly payments as I can not afford to pay {$170.00} per month. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Product: Mortgage

I contacted SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan Number : XXXX In 2023 after they bought my loan letting them know they never paid my taxes on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX they told me they would look into it and get back to me. I tried talking with them a few times with no success. 

Then a few months ago I called them and told them these taxes were not paid in 2023. Its plain as day on the escrow sheet that shows every single transaction from day 1. The lady said, I dont see it either but we paid it. Then today I got collection letters from XXXX XXXX XXXX Shelling has no tax department available to its consumers. The lady on phone told me to email her the bills. Ive dont this in the past and they do nothing about it.
Product: Debt collection

I sent " MERCHANTS CREDIT GUIDE '' collection company a Debt Validation letter under section 809 under the FCRA. They responded by sending me my personal medical information from three different alleged bills. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if these 3 accounts aren't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to Merchants Credit Guide Co, received response from Merchants Credit Guide Co, I have everything to prove in court without a reasonable doubt proving that my rights have under the FCRA have been violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX 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 RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXXXX Inquires 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, Enclosures Proof of identity
Product: Debt collection

Someone trying to collect the debt found where my employer lived and handed him papers to retrieve the debt. They garnished my wages, federal tax refund and my state tax refund.
Product: Credit reporting or other personal consumer reports

The amount on the account is incorrect {$4400.00}. My Equifax credit report was impacted by the data breach that Equifax had.
Product: Mortgage

We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016. 
Please see attached report from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify your bureau that my personal information was involved in the XXXX  Equifax data breach. As a result of this breach, I am now experiencing recurring fraudulent activity on my credit report, including unauthorized charges on existing accounts as well as the opening of new accounts in my name.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that all fraudulent accounts and charges be investigated and removed from my credit report immediately. Specifically, I request the following actions : 1. The removal of all accounts and charges that have been opened or altered due to fraudulent activity as a result of the Equifax breach.

2. A thorough investigation into each fraudulent account to confirm that it was indeed caused by this breach. 
XXXX. A notification to me in writing of the actions taken to resolve this matter. 
According to the FCRA ( 15 U.S.C. 1681 ), I am entitled to dispute any inaccuracies on my credit report, and the bureaus are required to conduct an investigation within a reasonable timeframe. Additionally, the law mandates that any fraudulent information must be corrected or removed if it is found to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX  XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.
Product: Prepaid card

On XXXX XXXX I noticed that {$770.00} was paid to XXXX XXXX. I called XXXX XXXX and explain to them that I did not authorize that payment. The account of XXXX XXXX is not in my name. It is my daughters account. I pay her {$90.00} a month for my bill. It seems that in XXXX, I made XXXX {$90.00} payments to XXXX through XXXX XXXX. They said that it was a discrepancy on my behalf. Anyway, I spoke to XXXX XXXX. They can not find that payment anywhere. It did not go to my daughters account. XXXX XXXX is refusing to refund my money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020. XXXX XXXX disputed data on my XXXX  report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted citibank who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. XXXX  said they called and they said citi wouldnt give that info. We called citi and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to XXXX. XXXX  ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX  ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. Citibank has been in my experience horrible at reporting proper updates to the bureaus and XXXX  is not taking disputes seriously or investigating at all XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my report that keeps reporting negative it was paid in full and is reporting to my credit report negative. The account is CAPITAL ONE is doesn't show any accurate information since XX/XX/2022 and the 3 credit companies will not help me resolve this problem!
Product: Debt collection

I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Product: Credit reporting or other personal consumer reports

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 card or prepaid card

I am including the letter that I sent to Bank of America regarding a credit card dispute. I had ordered tires by mistake, and wanted the order canceled. I was told over the phone that this would be taken care of, but the order was still sent. Due to this, I then disputed the transaction from an auto company, who, after a lengthy dispute, said they would accept the return. I have all of the email records and screenshots of the issue and their guarantee. 

Instead of accepting the return, the merchant responded to the dispute. 

Bank of America followed all of this up by sending me the documentation regarding the dispute ( dated XX/XX/2022 ) but indicated it was due on XXXX XXXX, 2022. The actual mailing was not received by me ( via XXXX ) at my address until XX/XX/2022 ( yes, I check the mail every day ). Their customer service representative also indicated that there were no notices sent via their online portal. 

The timeline for these disputes is not long enough and did not give me time to respond properly to the complaint. They need to do a better job of taking care of their customers.
Product: Credit reporting or other personal consumer reports

Account # " XXXX '' IS INCORRECT ON MY CREDIT REPORT. ON XXXX IT WAS OPENED XX/XX/2023 ON XXXX IT WAS OPENED XX/XX/2023 ON EQUIFAX IT WAS OPENED ON XX/XX/2023 ALSO I DONT HAVE A CONTRACT STATING THAT I OWE ANY MONEY TO " XXXX XXXX XXXX XXXX XXXX ALSO " XXXX XXXX XXXX XXXX XXXX HAS MY NAME INNCORRECT ON MY CREDIT REPORT. 15USC 1681A4 : THERE IS A NEED TO INSURE THE CONSUMER REPORT AGENCIES EXCERCISE THEIR GREAT RESPONSIBILITIES FOR FAIRNESS & PARTIALITY AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 15USC 1681BA2 : SUBJECT TO SUBSECTION " G '' ANY CONSUMER AGENCY MAY FIRST CHECK THE CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER, AND QUOTIENT WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. XXXX XXXX XXXX ALREADY DELETED THE COLLECTION FOLLOWING THE RULES, I JUST NEED EQUIFAX TO COMPLY. CAN YOU PLEASE DO A THOROUGH INVESTIGATION & DELETE THIS FALSE COLLECTION DUE TO THE COLLECTION & EVERYTHING ELSE BEING INNCORRECT. THANK YOU I REALLY APPRECIATE IT. XXXX BLESS
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH EXPERIAN AND XXXX CREDIT . THANK YOU!
Product: Debt collection

I request the removal of the Credence Resource Management account from my credit report, as the original creditor, XXXX, transferred my account to Credence RM , a collection agency, without providing the required notification. This action constitutes a clear violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX, a XXXX XXXX platform has hundreds of consumer complaints and negative reviews over four-year periods. XXXX XXXX XXXX XXXX has been allowed to operate with no federal oversight. My personal information has been used without my permission in XX/XX/XXXX. Formal written complaints had previously been filed with the CFPB, FTC, and XXXX. In addition, the responses I received from the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file XXXX, CFPB, and FTC complaints, intending for the State Attorney General 's Office in their state to also be contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary stalling in correcting inaccuracies in consumers ' credit files. The CRAs have served no purpose in diligently taking appropriate action against predatory financial services platforms that hide behind their algorithms taking advantage of consumers except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by Self-Lender and DO NOT belong to me : XXXX XXXX XXXX XXXX  ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The account numbers are XXXX / XXXX. 
As you may be aware, " XXXX XXXX XXXX '' legally means that they had a duty to speak but failed to do so, therefore, that must mean they agree with me that this debt is false. I will use the XXXX in my defense. XXXX XXXX XXXX has been copied on all my complaints to the federal agencies and have completely ignored and blocked my email correspondences demanding they take immediate action to delete these negative, unauthorized accounts from ALL 3 Credit Reporting Agencies ( CRAs ) within 15 business days or I would commence a Federal lawsuit against XXXX in the Federal Court system and report this to the CFPB and the FTC for enforcement. The Federal Bureau of Investigation has been copied on this email so they are aware of the seriousness of the FCRA and FCCPA violations of XXXX 's poor history in protecting consumers ' identities, and opening accounts resulting in inaccurate and erroneous reporting. The CFPB has done nothing but compound the problem by not escalating these complaints to the Criminal Division for enforcement.
Product: Checking or savings account

Deposited check from our XXXX  after our XXXX XXXX  for refund of insurance portion on XX/XX/XXXX. Hold placed and then released XX/XX/XXXX. Then funds taken back and placed again on hold. When call were told their department didnt place hold and cant talk to department who placed hold but theyll call in 48 hours, which they do not. Received a letter with number to call and were told same thing, we didnt place hold but theyll call you. But no one does. Bank has stolen funds and refuses to release them with no valid readon to hold funds.
Product: Checking or savings account

This is regarding a NEW monthly {$12.00} fee that has been charged to my account since XX/XX/XXXX without my knowledge. It was in an account that had 0 transactions since XXXX and had previously had never had a fee. It is a SAVINGS account ; one of 5 accounts I have with Wells Fargo and an account that had zero activity during this time period. I signed up for email notifications from Wells Fargo 's website on this account and never received a monthly email showing the fee being charged. 

I am outraged at Wells Fargo and my attempts to resolve the issue. Please pull the recording of my phone call from XXXX on XX/XX/XXXX @ XXXX XXXX. I spoke to a very nice woman who could not answer my questions regarding the fee change, so she asked if I wanted to " FILE A COMPLAINT. '' I said yes and was then put on hold - this is when the problem started. The second woman, XXXX, was her name I believe, was rude and hung up on me. She insisted the fee was advertised, but when I asked why I wasn't charged a fee for months prior and was below the new {$3500.00} threshold, she couldn't answer. She did not like to be questioned. I told her I had my account open online and could see all the way back to XXXX with low balances- including XX/XX/XXXX with {$2400.00}, yet the fee was not charged. This is when she hung up on me! 

On another note, I did a screen shot of my notifications for this specific account from the Wells Fargo website- i was set up according to the icons for PUSH notifications and email alerts for this account. I never received a monthly email and push notification showing this fee when the fee was charged each month. 

I did receive notification ( email only )- WELL FARGO SAVINGS ACCOUNTY ACTIVITY for interest being ADDED to my account but never an email showing the fee being charged. 

I called back another time at XXXX XXXX  and reported the actions of the employee to the escalation department. This time, the woman who worked with me, XXXX, was great. She couldn't fix the problem, but was able to talk to me rationally and explain to me that I should visit a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I read in the news that a data breach had occurred at Equifax.
I visited equifax 's Internet page at www.equifax.com, which directed me to equifaxsecurity2017.com where they provided information on the data breach and buttons for determining my potential impact,  enroll in their services or contacting them I clicked on the button for determining the potential impact and much to my surprise what I received is my " enrollment date '' for their XXXX XXXX service, with no information whatsoever on potential impact This feels wrong on at least 2 accounts : 1 ) I believe it is a deceptive trade practice advertising a service to check the impact of their failure to protect my data, and then not giving any information regarding this impact. 
2 ) I did not ask to be enrolled in anything. I should give my consent to enroll before getting an enrollment date. This also seems like a deceptive trade practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

This creditor is extremely aggressive in their collection practice they are harassing me not only at work but on my cell phone as well. I 'm trying to work somthing out with them but they are treating me like a dog. Can you please help me with this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the repeated attempts to remove fraudulent items from my accounts. Despite my previous efforts to rectify this matter, it appears that the issue persists, causing significant inconvenience and distress. 

Furthermore, the repeated inconvenience of having to address this issue multiple times reflects poorly on your organization 's commitment to customer satisfaction and data integrity. It is unacceptable that I continue to bear the consequences of fraudulent activity that should have been swiftly addressed. 

I demand immediate action to rectify this situation. I expect a thorough investigation into the root cause of these failures and a comprehensive plan to prevent similar occurrences in the future. Additionally, I insist on compensation for the time, effort, and stress incurred as a result of this ongoing issue. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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