23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WELLS FARGO foreclosed on my mother in XXXX, the problem with this is she died in XXXX. Their partner in crime is law firm XXXX XXXX XXXX XXXX XXXX XXXX who are notorious for wrongful foreclosure and mortgage identity theft which was proven in FBI Case Number XXXX. 
Also see No. 19 C 5113 10-30-2019 LOIS I. BERG and ROBERT D. BERG, Plaintiffs, v. MCCALLA RAYMER LEIBERT PIERCE , LLC Defendant. 

In XXXX, the CFPB received 7 complaints against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ranked XXXX XXXX among all financial companies for the most complaints. 

Consumer Complaints There are over XXXX complaints on file for XXXX XXXX XXXX XXXX XXXX XXXX. Dated between XXXX and XXXX. 

Question : When are you going to stop WELLS FARGO and their gang of thieves from stealing from we the people? Are you in the conspiracy with WELLS FARGO and their gang? Is that why you are refusing to help me? You are supposed to protect me! When are you going to protect me!!!!!! 

Don't ask the crooks, they are just going to keep giving me loan documents for my dead mother who died in XXXX. She is dead! My uncle is the executor to her estate so how can liars XXXX XXXX XXXX and XXXX have power of attorney? I don't think they asked my uncle for permission, after all he has the Letters of Testamentary. Do you see the problem? Do you see they have damaged me? Their actions killed my father and now my father is dead too!!!! They killed my father! They all need to go to jail for what they have done to my family. HELP ME!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding Fraudulent/Inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and Im being ignored of my disputes section 611 ( a ) it is plainly Stated that a failure to investigate these items within 4 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted properly I demand these accounts be deleted immediately from my file for My information was also impacted by the equifax data breach and May have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Dear Truist Investigation Department, ( It's been more than 60 days and XXXX XXXX informed me you guys still haven't released the funds. What's going on for a delay. Also haven't herd a response... .The funds need to be released immediately this also violates the EFTA . ( The funds are to be released within 5 business days ) in many ways before legal action is taken. If the funds arent released by Friday i have no choice to but to take legal action against truist bank ) I am writing to formally request the immediate release of funds transferred to XXXX XXXX from my XXXX account. The transaction in question, in the amount of {$17000.00}, was processed on XX/XX/XXXX, and I have provided all necessary supporting documentation to verify its legitimacy. 

It has come to my attention that despite the funds being cleared from my account, they have not been credited to XXXX XXXX. This delay is causing significant financial hardship and inconvenience. According to federal bank guidelines regarding check holds, there is no basis for withholding these funds, as the check in question was issued legitimately by me and is not fraudulent in any manner. 

I urgently request that your department investigate this matter immediately and release the funds to XXXX XXXX 's account without further delay. Failure to do so will leave me with no alternative but to pursue legal action to recover the funds and seek appropriate compensation for damages incurred. 

Please understand the seriousness of this issue and the urgency of my request. I have attached all relevant documentation to support the authenticity of the transaction and the check in question showing the funds removed from my XXXX bank account. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.
Product: Mortgage

I have been getting push from one to another mortgage company. 
The last one I got transfer to has been messing with my mortgage so bad and you can't deal with them at all. They keep making my payment so high I don't have the money for the payment. I live on, Social Security, and am, handicapp and am XXXX XXXX XXXX. I have repeatly try to get them to lower my payment, they say they can't, I don't understand why not with my age, and my low income, I was told by a lady that was trying to help that I am below the poverty line. I don't have anywhere to go if the do a foreclourse. I am trying to get into senior housing but as for now I need to stay here. I can pay some payment but not what they are setting, they have me paying way over my income, I am struggling now. 

I can tell you this, they are stealing peoples houses, they make your payment to high for you to pay, then they foreclose on it. They are crooks, I was talking to a government program the other day and they feel the same way they the mortgage company is cheating people out of their houses. As for the senior housing I am next on the list for a apt ,, I am afraid they will put me out before I can get in senior housing. They have been totally unfair and rude to me through this whole dealing. Before I got transfer, the former mortgage company I got transfer to had done a modification and had a payment I could manage, when I got transfer everything was sent to the new payment, that I could manage, I did pay that amount to the hew payment, the new mortgage company would not accept. They were suppose to follow that payment, they don't they have me so upset and scare, I have XXXX and XXXX that I am seeing a doctor and counselor for. I really need so help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the Federal Credit reporting Act. Even on its own website it is clearly written that : << a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 

Equifax is not following what is written on its own website and in the meantime is also violating the FCRA. Indeed, there is a charged-off account ( XXXX XXXX XXXXXXXX XXXX ) that has been on my credit report for more than 7 years from the date of first missed payment. It happened in XX/XX/XXXX. I have the letter XXXX XXXX  XXXX sent me to notify me that my account is past due. Like I said, it started in XX/XX/XXXX and I have a letter from XXXX XXXX XXXXXXXX to prove it. I have attached it on here for your reference. 
From XX/XX/XXXX to XX/XX/XXXX its 7 years and 2 months! 

Equifax, this is a formal notice that I am sending you. Remove immediately XXXX XXXX XXXX from my credit report!! 

I will use today 's letter against you in court to prove that you deliberately refused to remove this account even after notifying you that this account is in violation of the FCRA!
Product: Student loan

First, upon graduation for myself and my daughter ( for which I was paying on both student loan payments ) Sallie Mae advised that both of us would to gift back on a portion of the student loans, for which they never came through ( a reduction ). When it was brought to Sallie Mae/Navient 's attention they refused to honor the prior offered gift letter. I graduated in 2007. 

Then multiple time I was force into placing the loan 's into forbearance due to not working in the field I studied in and not having the money to pay the loan payments. Which caused interest rate to increase. At no time, was I offered any lower interest rates or other solutions. I gave up dealing with the loan agency after years of begging and pleading for help. 

I attempted to sign up for the county and state forgiveness programs, but due to being a signal mother/grandmother and having to work two and three jobs to support my family, I made a little to much money to qualify for the program ( s ). I raised my children and co-parented my handicapped grandchildren through these hard times.I am still not working in my field and still having a hard time paying for my and my daughters student loans. When I attempted to call to make arrangements or find a solution, I felt forced and cornered with no other option but to pay what was required to save my credit and good standing. 

I truly regret going to college and insisting that my children attend college due to the bills. I am close to XXXX years old and will be paying these loans until I am in my 70s, with no retirement or savings.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are violating my rights under the Fair Credit Reporting Act. XXXX and Experian are reporting adverse items on my XXXX XXXX  account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states, Except as authorized under subsection ( b ), 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. XXXX and Experian are reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. XXXX and Experian are also reporting a charge off which according to the IRS publication XXXX, a charge off is considered income and may not be reported as debt. The account has been charged off as witnessed by the report. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Experian do not maintain reasonable procedures. 
Any and all consent to XXXX, Experian and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S.C . 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, XXXX and Experian are the reporting agencies and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX  XXXX is a financial institution, by definition, under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and XXXX and Experian, the consumer reporting agencies, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent.

12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services for this account.
Product: Debt collection

I received a letter dated XX/XX/2023 from convergent outsourcing inc stating that I owed XXXX {$920.00}. I have never had a XXXX account or used any of their services.
Product: Debt collection

I noticed charges for {$58.00} was deducted from my checking account I called Monterey Financials and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then XX/XX/2019 they started taking payments out of my account from XXXX, which is not filed with any XXXX. the contract should give you all the information you needs. 
XXXX XXXX XXXX XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX  XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with Montery Credit, XXXX of XXXX XXXX XXXX XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.
Product: Credit reporting or other personal consumer reports

Formal Complaint for Failure to Conduct a Proper Investigation and Request for Re-Investigation Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Other information I would like changed XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. This is a duplicate account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Student loan

I am submitting a complaint regarding my student loan provider 's failure to review my account for a student loan overpayment refund for which I qualify. MOHELA XXXX my XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ( PSLF ) in XX/XX/XXXX, with the effective date of XX/XX/XXXX. While I was informed only payments made on/after the effective date of discharge would be eligible for a refund, the effective discharge date is incorrect as it does not accurately reflect the date in which the required XXXX payments for XXXX was XXXX. I am certain that there is an error in MOHELAs system that should be rectified. Based on previous communications received by MOHELA, there were 191 monthly payments credited to my account, far beyond the XXXX required for XXXX. Most of these payments would have been made to my previous student loan service provider, XXXX XXXX XXXX, whose correspondence reflects the total number and duration of payments made. I request to have this issue investigated further so that the discharge date is backdated to the time in which I met the XXXX mark so that I receive the overpayment refund that I am rightfully entitled. 

I have made attempts to speak with XXXX Consumer Advocacy Team, however, no one has attempted to complete a thorough review of my account to investigate the concern further. I am also afraid I am not the only person who is in this or a similar predicament. Thank you in advance for your attention and assistance on this matter.
Product: Checking or savings account

On XXXX XXXX at around XXXX i signed into my online banking and realized two un authorized withdrawals on my wellsfargo checking account which were also done at a wellsfargo Atm, {$200.00} and {$300.00}. I contacted the bank right away and made a claim since I hadnt used an atm in days nor authorized any withdrawal on my debit card of such amount, i am an immigrant and I dont have family here nor anyone i can share my information with, secondly i had my debit card with me so how did someone withdraw my money? The only thing the bank did for me is cancel the card and send me a new card. After doing their investigation they said they can not help me because tue person who withdrew my money had all my information. And i told them that cant be become i have my card with me, i have no family or anyone i share information with. And they told me i can only make a police report after going back and forth with them on phone, I visited the bank spoke to the manager and she told me she cant help me. So on XX/XX/2021 i went down to the police station, they have me a number i was supposed to call and i made a report of theft by unlaw taking wrongful impersonation. The police said they will do an investigation and get back to me, after a while not hearing from them i called back and they said oh we forgot to send you part of the investigation but we were unable to retrieve cameras on that day, so the police didnt help me either, i called the bank again and still no help, i walked down the bank and still no help. Thats why Im here today hopefully i can get helped or someone else can get help. Thank you so much. Attached is the police report and financial statement, it shows XX/XX/2021 but the withdrawal was done XX/XX/2021 at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First ProgressXXXX XXXX not investigating dispute in 30 day periods.
Product: Money transfer, virtual currency, or money service

I was unable to log in to my PayPal account for no reason last yearXXXX and received an email from paypal told me that some activity on my account that didn't match my usual activity. they are concerned someone may be trying to use my account without my permission. I changed my account password as they requested and they told me that Access to my PayPal account has been restoredXXXX, but when I logged in my account, I was asked to submit proof of identity. I am a XXXX living in the XXXX, and I often need to ask for help from merchants to buy some goods for my families and friends in my country, and I also need to find someone to help me with some financial transactions in my own country, this is not an unusual activity nor is it a hack of my account. PayPal has unreasonably and recklessly restricted my account, which has caused me a lot of trouble in my life and study. PayPal is a big company, and its influence in the United States and even internationally is huge, so it should be more responsible and can not be so XXXX and lack of judgment, because XXXX of their miscalculations will I hope that PayPal can restore my account so that I can conduct transactions and live normally, without my PayPal account, a lot of my daily life has been put on hold.
Product: Debt collection

i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.
Product: Credit card or prepaid card

I have two accounts with Comenity Bank ( Victoria Secret and XXXX  's ). Both had fraudulent transactions on them in XX/XX/2020. I have not had any activity on these cards in a significant amount of time and neither card should've been activated. 
The Victoria Secret charge was for {$110.00} and the XXXX 's charge was for over {$6000.00}. I did not make or authorize these charges. I disputed with Comenity and never heard an answer back for the charges on the Victoria Secret card and had to inquire multiple times on the XXXX claim, which was eventually denied and I was told I was responsible for the charges. I asked for them to review it a second time and they have failed to respond. I have tried secure messaging on their website and calling, however I get no assistance. 
I made a request for the XXXX 's account to be closed about 6-8 months ago and never activated the newest Victoria Secret card, I'm confused how they were even able to be used. Since I received no help from Comentiy, I don't know where else to turn but I can't afford these fraudulent charges.