23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo has claimed the the XXXX was used to pay off existing loans on the property. From what I was told, if that were the case, what did I pay in upwards of XXXX to XXXX for? Wells Fargo has XXXX variations of the principle origination charges. That figure would have to factor into the HECM formula or the salesman would have to inform me that the HECM does not work for me and to find another option. As I previously stated, at the time of the HECM, I was in no danger of foreclosure. In fact, I had never even been late on a mortgage payment. Did I suddenly forget how to pay mortgages or fees associated with a mortgage on the most important asset in my life? Wells Fargo has not returned the documents I have requested, such as discharges from XXXX and XXXX proving payment. They have also not released the government recording, transfer charges and recorded deed and mortgage. Where did the recordings actually take place? Did they take place at all? I have solid evidence that it never took place in Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly asked Experian to remove bankruptcy from my account it clearly goes against the fair credit act law as the u.s bankruptcy court of XXXX does not report any information involving bankruptcy directly to any credit bureau! I ask to be presented proof of this. If not please delete immediately off of my credit report. Am Experian employee lied to me and said the courts provided information on it to them which is against the law I have this conversation recorded which is attached down below
Product: Mortgage

My account number with Nationstar Mortgage is XXXX. Their website states=== ===== CONGRATULATIONS< YOUR LOAN IS PAID IN FULL. Under that statement it says===="we will=====process the release of your lien".  I have contacted Nationstar several times, inquiring about the release of the lien.I was then referred to their subsidiary XXXX as they handle lien releases.Agent of XXXX, XXXX was unaware my situation and she did not see anything in the system that indicated the lien was to be released and she said she will investigate.Contacted Nationstar again today and spoke with XXXX.She said she will send an email to the department that handles liens.My impression is that I am getting a run around and that the Lender is not acting in good faith.I want the lien released
Product: Student loan

I graduated from XXXX University in XXXX this past summer and my student loans have come into repayment. I was able to find a full time position, outside of my field of study making $ XXXX a year. My Discover private student loan principal is $ XXXX making the payments on those alone over {$1700.00} a month. I am currently on the reduced payment plan but it only lasts 6 months, after this period defaulting looks like it could be my only option. Thus far, Discover Student Loans has been ridged and unwilling to offer any sort of long term solutions to make repayment of the loan affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX & XXXX XXXX
Product: Checking or savings account

I was offered a free safety deposit box when I opened an account with Chase. After using the box for a time, I emptied it when I moved house because my new address was two hours drive away, and Chase could not offer me a box at a branch nearer my house. I later received letters warning me that Chase would start charging me {$70.00} per month to have the box. I called and wrote to Chase many times explaining that I no longer lived in the area, but they were insistent that I had to visit the branch to close the box. It was so far away, but when Chase stopped responding to me, I had no option but to drive the four hour round trip to meet with the branch. This could have been done easily by mail. I was then shocked and appalled to find that I had been charged {$70.00}. I complained to the branch, and received an infuriating call saying that the final decision was not to refund me the {$70.00}. This is unacceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my Experian credit score inexplicably dropped XXXX points. The following day, I received a notification from Experian stating my XXXX XXXX Bank account was 30 days past due. However, my credit report incorrectly reflected it as 60 days late. 

I immediately disputed the error electronically on XX/XX/XXXX. The next day, Experian claimed the dispute was " updated, '' but no changes were made. They insisted the creditor 's information was accurate and refused further disputes. Also, I was told they would not accept another dispute against the account. 

Unconvinced, I mailed a detailed letter on XX/XX/XXXX, including copies of my XXXX XXXX statements proving the inaccuracy. While Experian acknowledged receiving the dispute on XX/XX/XXXX, again, they said the creditor was correct. Despite my previous disputes and the evidence provided, the inaccurate late payment information remains on my report. This has resulted in a significant drop in my credit score, causing me hardship. 

I kindly request an immediate investigation into this matter and correction of the inaccurate late payment information. 

Thank you for your time.
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 Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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: Debt collection

This letter is sent in response to collection that was placed on my account and that has inaccurate information. I am requesting that you provide verification of this debt. As I have proves that this account was settled with the previous collection agency and then sold to you and if I believe that is against the law. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent and a written explanation why it was sold to you from XXXX collection agency. What you provided in the previous dispute was just a bill which doesnt prove anything. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
By law you are required to provide me with all the information requested if you can not do so you will have to delete this from my credit history. 

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

Around XXXX I went to XXXX XXXX auto sales and the car I was financing never really worked it was in the shop from the XXXX day I had it until he went and got it from the shop. Which was about XXXX days down the line. By the XXXX day I had told him I didnt want to finance a vehicle that I have never drove. So about XXXX weeks ago I went to try and finance a car from another company and they told me that it was showing on XXXX that I was still paying on an auto loan for XXXX dollars a month and thats not accurate. It was erased from my experian report but its still on my XXXX report so therefore it is hindering me from getting a vehicle. So I went up to XXXX XXXX office the same day about XXXX weeks ago to inquire about the situation and he told me that nothing should be showing up on me bc he bought the vehicle from the finance company so then he gives me a number to dial and from XXXX weeks ago til today I am still not able to get with anyone about the account. They keep hanging up on me when I do call and Im not getting anywhere with this
Product: Credit card or prepaid card

Mailed my payment of {$44.00} on due date of XX/XX/XXXX. Payment was received and credited on XX/XX/XXXX. Was charged a late fee of {$29.00} and {$1.00} interest. Called on XX/XX/XXXX to request a credit. Credit was granted for the late fees and I was advised that there would be no balance due ( I have not had any purchase transactions on the card since I paid balance in full on XX/XX/XXXX ). I received another bill on or around XX/XX/XXXX showing a {$59.00} balance due. Apparently another XXXX late fees were added. I called again on XX/XX/XXXX and was told it was a mistake because of timing of the credits and that there will be no balance due. Then I received a letter in XX/XX/XXXX saying dispute was reviewed and that the late fees will remain on the account. I called again on XX/XX/XXXX and explained that I was charged for a late fee on a late fee that was approved for removal. Also explained that the two previous customer service representatives told me the late fees would be credited and there would be no balance due. They apologized saying that the customer service reps provided wrong information and that per policy and the terms and conditions of the card denied my request to waive the late fees on a late fee balance. I said that doesn't make sense. I asked if anyone had common sense and was abruptly hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my Trans union credit report six times for XXXX XXXX XXXX. XXXX removed this account with no problem, but Trans union has not after numerous disputes. This account was closed on XX/XX/2016. My credit report is still showing a balance of XXXX. This company sold me a car under fraudulent terms. I wrote a formal complaint about this company with the XXXX XXXX XXXX They have thousands of complaints on that site for misrepresenting loan and contract amounts. XXXX removed this account promptly after dispute, but Trans union has constantly denied my request. TRANS UNION constantly has posted WRONG information on my account. Trans union appears to NOT want to HELP people to improve their credit but HINDER them. Also there is validation to my claim or XXXX would not have removed the account. WAKE UP Trans union you are messing with peoples lives!
Product: Credit card or prepaid card

Have bought {$500.00} visa gift card on XX/XX/21 and next drain card was fraudulently used. Contacted customer care and they've deactivated card and issued case number XXXX. Have filed dispute document on XX/XX/21. Have tried contacting company multiple times over the phone and sending emails regarding full refund of fraudulently used visa gift card with no success.
Product: Credit card or prepaid card

I have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.
Product: Credit reporting or other personal consumer reports

The Response below from XXXX XXXX XXXX Bank is a lie since the unauthorized hard inquiry still shows up on my credit report, causing significant XXXX XXXX XXXX XXXX XXXX. I have call logs from XXXX XXXX XXXX XXXX that they harassed me by calling me after they found out they made a mistake. Their repeated evasion of the unauthorized hard inquiry when asked about it is evident in these call logs. They also appear to misrepresent themselves to consumers and Equifax, as Equifax keeps saying, " we didn't get any information from XXXX XXXXXXXX XXXX XXXX  but we are trying to remove it and its hard since XXXX XXXX XXXX XXXX  doesn't inform us of anything. Also my credit report clearly shows the unauthorized - Hard Inquiry " Inquiry details. 
XXXX XX/XX/2023 '' XXXX XXXX XXXX Bank already has XXXX XXXX of complaints from consumers due to its illicit activities. 
There should be Monetary relief of ~ $ XXXX since my credit score took a ding by some points due to their unauthorized hard check, which prevents me from obtaining the best rates in loans, mortgages, etc. 

Below Are XXXX XXXX XXXXXXXX XXXX lies/evade their wrongdoing : " Company 's Response " We previously requested that the credit reporting agencies remove the inquiry from the credit report. We reached out to Equifax, and they confirmed they could not find an inquiry about this. ''
Product: Credit card

Back in XXXX my account only had a XXXX charge on it. That should have been the only charge on my account up until I received my new phone. I cancelled all the orders I placed on that day. When I looked at my next statement I had multiple charges on it, it appears they did credit some money, but not all that I requested. They are charging me interest on items I don't own. I have requested multiple times for them to stop doing this even though they have all the proof. I can show you I got so upset with the TD bank I just cancelled my card just to find out they opened it again because they think I owe them money? I bought this phone outright with a different credit card and they just don't seem to get the point. I just want all my money back and have them pay the interest for their negligence. One of the attachments will show you I bought this with a different credit card because of this whole situatioin.
Product: Credit reporting

I submitted a several disputes to Equifax after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They did not block any of the items ( III. A. Blocking Information in Credit Reports under Sections 605B and 623 ( a ) ( 6 ) ), and they continue to report them. I asked for the items to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation.
Product: Credit card

In XX/XX/year>, I received a letter from Elan Financial XXXX Services informing me that my interest rate would be increased from 13.49 % to 18.99 % ( a 40 % increase! ) for reasons cited related to ratio of balances, number of accounts in delinquency, amount owed too high, too many accounts with balances. I was surprised by these reasons as they don't accurately align with my credit history, in fact my credit has significantly improved over the last 24 months, I have no delinquent accounts and balances have decreased. When I called customer service, they suggested I review my credit report. I reviewed all XXXX agency reports and confirmed that my credit has improved over the last 5 years. Again, I called customer service after spending time gathering and reviewing my credit reports and again requested a reason for the rate increase. After being transferred to a XXXX, she explained that the rate increase was actually a company repricing for all customers and that she has gotten similar calls. I think its disingenuous and borderline libel to issue a letter noting false reasons to support a change when in fact the reason for rate change was to increase company margins and not related to the reasons provided in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My profile includes inaccurate personal information. Please go through all relevant documents that reflect my accurate details.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 


Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card or prepaid card

US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.
Product: Credit card or prepaid card

Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.