23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on my cell from a phony debt collector about a wells fargo account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was Wells Fargo which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by Wells Fargo that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.
Product: Credit reporting

I requested credit bureaus to update my address ; XXXX & XXXX Changed it except for Experian. I sent a request via fax and even called them but experian Does n't want to remove the OLD addresseses. I 'm residing in my current address for more than 2yrs and they should correct my info.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries. 

XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XXXX of XXXX  after submitting multiple XXXX forms I finally got an accurate count to show that my payments for my forgiveness were over the amount needed. I was informed my loans would be forgiven but it would be in waves. They were not all cleared out during the pause but I was put on forbearance. I spoke with Mohela reps 3-4 times during the pause and all told me I was definitely forgiven and they would all be cleared by the time my forbearance would end in XXXX. My payments are now set to be due on XXXX. I spoke with mohela reps and they said on their end they all show they should be forgiven and to call XXXX. I spoke with XXXX and they said to call Mohela back because they have no idea when theyll be cleared so they need to extend my forbearance. I have not been able to get anyone from Mohela on the phone. The wait time is over an hour. Twice out of ~5 times I was given the option to get a call back but the calls went to my voicemail. I havent been able to get anyone on the phone to extend the forbearance. I am already over my allotted payments so technically at this point I am owed money, but now I need to start paying again?
Product: Debt collection

Ever since XXXX, my social security check has been garnished of {$170.00}, and I called the social security office, and they told it to me was a company called pioneer recovery and also their other name pioneer recovery, and also XXXX  for the last five months of {$950.00}, and now they want two more payments of {$170.00} for the XXXX and {$74.00} for XXXX for a government debt that I paid off six years ago, and when you owe {$1000.00} government debt, the U.S department of treasury will send you a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial for credit notice from XXXX XXXX in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called Health Credit Services ( HCS ). XXXX said HCS sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. HCS had no authority to request XXXX XXXX  to pull my credit.
Product: Debt collection

I have sent written notification to Hunt & Henriques requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Product: Debt collection

I have been going back and forth with XXXX  about this one unknown account on my credit report. By unknown I mean there is no creditor name, address, or phone number. I've written several disputes about this to no avail. I had no way to reach the creditor to have the debt validated and I find that extremely unacceptable. I really hope you can do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting my XXXX XXXX XXXX for {$10000.00} twice on my equifax report.
Product: Mortgage

ShellPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The investor, XXXX XXXX, is refusing to honor the servicer 's, ShellPoint 's, value of XXXX and insisting on receiving XXXX minimum net. This would make the purchase price XXXX ***** The investor is requiring the buyer pay XXXX OVER AND ABOVE FAIR MARKET VALUE for this property. 

The agent had sent market comps to Shellpoint, using a price per square foot basis to reach the purchase price of $ XXXX. Shellpoint originally used comps that were NOT comparable- they were for much larger homes that were in far better condition. After a value dispute ShellPoint lowered the value to XXXX. The investor, XXXX XXXX is refusing to honor its servicer 's value. XXXX XXXX is demanding that based on their own comps. 


The investor is XXXX XXXX. The servicer is ShellPoint. The CFPB 's role is to protect consumers. This is a clear cut case of the investor and its surrogates, aka servicers, attempting to extort the buyer by demanding a sales price higher than anything that has currently sold in the same condition in this community with the same square footage. 

We want to reiterate that XXXX XXXX and its surrogates, aka servicers, forced the homeowners from this property telling them they no longer owned it and converted this property to a zombie foreclosure. Please review our XXXX CFPB complaint ( filed XXXX/XXXX/16 ) again. NONE of these issues have been resolved in any manner whatsoever. 

XXXX XXXX and their surrogate 's actions have caused financial harm to the sellers in the form of XXXX dues that they are liable for under California law. This is not to mention the emotional toll this is taking on our elderly sellers living on a fixed income, who are being continually swindled by XXXX XXXX and their surrogates. It is quite possible that XXXX XXXX and their surrogates have violated multiple state and federal laws : 1. Illegal eviction 2. Constructive fraud 3. Illegally telling a homeowner they had no retention options on multiple occasions ... ..among others ... .. 

PLEASE remember that XXXX XXXX has already settled in the amount of {$5.00} BI dollars for LOAN FRAUD.
Product: Debt collection

This is a debt buyer! The representative refused to provide proof of the debt and a wet ink signature stating I owe them. 

The representative was very rude and kept asking me for my visa/master-card information to pay. I do not owe this debt and I do not owe them.
Product: Debt collection

They call my job every day 2 and 3 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, The Secretary of State of Texas does not allow credit bureau collections without a license. Collection agencies, including credit bureaus, are required to obtain a license and surety bond from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to operate in Texas. 

After searching for a verified license via the Texas Secretary of State website and the Texas office of consumer credit website at www.occc.texas.gov, I have found that the consumer credit Trans Union is NOT licensed in the state of Texas to operate. 

It has also come to my attention that XXXX XXXX also does not have licenses as well, which means that they are illegally submitting information to collect an alleged debt. 

I have submitted a complaint with the state of Texas Secretary of State, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Finance Protection Bureau.

I am requesting that the following listed items be removed immediately. 

I appreciate you notifying me once they have been removed. 

I have never used this account, yet they are reporting to bureau. In XXXX, I received a notice that I have paid on time for three months? Then in XXXX, I receive a notice that I am 60 days past due? Clearly this illegally operating company is faulty and must be removed. ( See attached notice from XXXX ) How can one have three months on time in XXXX, and less than 30 days later have 60 days past due? ) Item to be deleted : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AmeriCollect, 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 a account without my written instructions
Product: Mortgage

On XXXX after over two months being mislead, and a very intrusive Loan Process my Wife and Daughter who were trying to purchase a Property in NC together were denied, because Wells Fargo Mortgage proclaimed my Wife had a Foreclosure in XX/XX/XXXX. Just two or so days before that, they had claimed they were using a Underwriting Specialist to fix some obsessive issue 's with original Underwriter. Then this bizarre Foreclosure stuff hit? 
We have spent a great deal of Time, Money and these issue 's have taken a huge toll on my XXXX wife. 
We have full documentation of how this process unfolded, and the Emails and communications that were exchanged. 
Why did they not deny my wife in the begining even by this false claim of Foreclosure? 
We traveled from AZ to NC thinking we were going to close, and now we are out a lot of money and have now lost the Home, because we could not extend the Contract, since it had been extended a few times prior.

We felt like this " Investigation '' of sorts was center on me ( Her Husband ) and I was not even on this Loan application at all. 
We worked with Wells Fargo to try and resolve this, and suddenly it was just full stop?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX Account No. XXXX On XXXX, A company shown as Macy's/CBNA was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Debt collection

First received a email from a XXXX XXXX XXXX named TrueAccord saying that I owe XXXX XXXX ( which I retired from in 2004 XXXX {$86.00} that was reported not paid on charge card. 
So I called XXXX 's and talk with the Credit Customer Service and was told that bill was paid off so, I had the sent me a email stating that fact. But keep getting threatening emails. From them with a phone number XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX TXXXX ACCT # XXXX XXXX XXXX AUTO, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX  XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.
Product: Debt collection

I paid the account but the account has been on my credit for over XXXX year and it also reports on my credit XXXX times. I only had XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit line inquiry with the knowledge that I would receive an soft inquiry on my credit and no big risk. Needless to say, on XX/XX/XXXX I received notification from XXXX XXXX that my credit score had been updated. However, I knew that I made no additional adjustments towards my credit so I immediately got alarmed and begin to take action. After responding to the credit card company, there only response was that anytime there is an credit line increase, that it always is an hard inquiry. Needless to say, in my defense I have had an increase before on this credit card and my XXXX card but never actually received an hard inquiry because of a request. I never applied for a new card or anything. Sorry for the inconvenience, but can someone please help me better understand how I can resolve this issue.
Product: Money transfer, virtual currency, or money service

Its said PNC Bank is blocking you from enabling external applications.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX Consumer Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I would also like to remind you that I am a known victim of the Equifax data breach, which exposed sensitive personal information. Given the nature of this breach, I am particularly concerned about the possibility of fraudulent accounts being opened in my name. I ask that you take extra precautions in reviewing the disputed accounts to ensure they have not been opened as a result of identity theft.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identify theft. I had an account with XXXX XXXX, fraudulent charges occurred on that account. I spoke with XXXX XXXX about the issue and they solved the issue and removed the negative account from my credit and forgave the debt from the fraudulent charge. 

Now, a group of unknown individuals stole my information and they are calling me and they are even trying to sue me for that same account.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

InXX/XX/XXXX, we took out a Home Equity loan with Santander bank. They offer an introductory rate of 2.24 for XXXX  months. Our intent was to pay down as much of our HELOC during the XXXX months, the account was setup to automatically take out the minimum payment. Which we were fine with to ensure we do n't miss any payments, we tried multiple times to pay additional funds towards principal online and could not figure out the system on the HELOC page there is no place to make a payment or set up additional principal payments. We first contacted the branch they sent us to customer we had to make XXXX calls to customer service in the span of a few months before someone told us the only way to make a payment was to actually transfer money from our checking into the HELOC account. I can not make payments from other accounts, nor can I set this up to pay more than just the minimum. As a consumer I am upset that this feels like they are making it difficult for me to pay down the principal during a promotional rate. The amount of people and phone calls I had to make to figure out the piece about transferring the funds was unbelievable most people would 've just stopped as they made it very difficult to get an answer. When I contacted I told them I would not get off the phone until they could tell me how to make additional payments I had to tell them that this should be illegal, finally the customer service rep had to contact a few departments to get the answer about transferring funds. 

I normally do not contact agencies like this to make complaints but I believe this should be investigated, if they are doing this to me - I consider myself a fairly knowledgeable person with lots of computer experience I ca n't imagine what has happened to others. 

Thank you.
Product: Payday loan, title loan, or personal loan

XXXX sold my loan and I was told my loan agreement hadn't changed. In my agreement payments made before the due date were principal only and if you were ahead on payments it would be towards principal. I have made a payment to the new company who said my terms hadn't changed my payment was earlier then the due date and I was ahead on payments yet all my payment went towards interest. I reached out to the company my loan was sold to and I have not gotten any response.