23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX EQUIFAX HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EQUIFAX ALONG WITH A 3949 IRS FORM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my off my {$16000.00} student loan from the University XXXX XXXX XXXX, serviced by Heartland ECSI, in full, days before the grace period ended. 

On XX/XX/XXXX, I looked at my XXXX credit report and saw that it was still being reported as open according to XXXX. The same day I filed a dispute online, through XXXX, requesting to review the loan, as it had been closed, paid in full, on a positive note. XXXX said they would send me a letter detailing the result of the dispute. The dispute did not show up anywhere online. 

Around three weeks later, XXXX updated my account by deleting the disputed item, permanently removing it from my account, instead of updating the open account to a closed, paid in full, on a positive note, one. Around this time a received a letter detailing the details and resolution of the dispute, as well as how to contact them if it was incorrect, including their customer service line. 

On XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, requesting the item to be restored on my report and reporting it accurately. They said this was impossible as the account was already deleted, and that I had to call the servicer and ask them to report it again and submit it to XXXX. 

On XX/XX/XXXX, I called the Heartland ECSI customer service line, XXXX XXXX XXXX XXXX XXXX, and requested that they report my loan status again to XXXX. They said they couldn't report any information to XXXX unless XXXX requested it directly. The Heartland ECSI customer service representative recommended filing another dispute with XXXX in order to prompt an information request from XXXX to Heartland ECSI. In addition, the Heartland ECSI customer service representative also said that they had reported to XXXX that the account had been closed, paid in full, and on a positive note, in XXXX of XXXX. 

Later in XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, again, to ask that they request information from Heartland ECSI in order to restore the closed account accurately, or to file another dispute to prompt XXXX to do so. the XXXX customer service representative told me that they would not be able to do this, nor would it work and that I had to contact the loan servicer and ask them to report the information to XXXX. 

Disappointed, I asked the XXXX customer service representative that if there was a way I could complain about XXXX 's service, to which they referred me to a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ) and the CFPB. As only having a the possibility of complaining through a XXXX XXXX is disappointing and predatory, and XXXX has demonstrated it's incapability in resolving this issue, I preferred taking my complaint to the CFPB, which is why I am submitting this complaint, in order to understand who is in the wrong ( XXXX and/or Heartland ECSI ) and to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see an unauthorized inquiry on my credit report today, and I have no explanation for it. My report has always been accurate, but suddenly, errors have appeared out of nowhere. I even tried refreshing the page multiple times, but the issue didnt go away. I demand that my documents be carefully examined and this matter resolved immediately so I no longer have to deal with this XXXX.
Product: Checking or savings account

Today, XX/XX/2018, I went in to check my account after an email sent to me saying my balance is at XXXX dollars. I was not sure why they would send this notice since I check my balances and they had a pending and posted transaction history for online banking which shows details of available balances vs. each transaction. When I had viewed my online history previously, check number XXXX for {$20.00} had already posted and cleared ; and had sufficient funds at the time of the transaction. Then later on I receive an email that check XXXX for {$20.00} had been returned and I was being charged {$35.00}. I also notice that the online banking system has now changed to have three section instead of two. The three sections are " Pending '', " Authorized '', and " Posted '' transactions which has been misleading and transaction history and posting dates have been manipulated -- therefore causing fees to customers as well as to whom customers write the checks too. I spoke to 4 individuals from Wells Fargo today which included supervisors and managers and they refuse to make corrections to this problem. I also have had to call in with approximately four other transaction related complaints within the last year. Attached is a picture of the account ledger as of me filing this complaint. Wells Fargo 's online banking system has no integrity and accuracy and is causing undue fees to its customers due to them not properly handling transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.
Product: Student loan

On XX/XX/2018 I made a {$1000.00} payment to Navient via bank transfer. The amount was never credited to my Navient account. On XX/XX/18 I emailed Navient about this problem. They replied on XX/XX/18 to say they needed a trace number for the transfer. I requested the trace number from my credit union and sent it on to Navient via their document upload feature on XX/XX/2018. 

My account was never updated. I sent a follow up email to Navient in late winter/early spring 2018 ( I ma not sure of exact date, as I can find no way on Navient site to locate emails I have sent them, only emails from them ). I received no response. When I have tried to contact Navient Customer Service at XXXX I encounter a computerized system that provides no options for contacting a live person about this problem.
Product: Consumer Loan

I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer. 
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.
Product: Credit card

I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) and to urge the credit bureaus involved to provide proof of all investigations and results concerning the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts, I have been unable to obtain the necessary information and documentation from the credit bureaus regarding their investigations into the unauthorized inquiries on my credit report. I have specifically requested that the credit bureaus provide proof of the investigations conducted and the results obtained from each of the aforementioned creditors, in accordance with the provisions of the FCRA. 

To address this issue effectively and ensure compliance with the FCRA, I kindly request that you : Notify the credit bureaus of their obligations : Please inform the credit bureaus involved of their legal obligations under the FCRA to conduct thorough investigations and provide documented proof of their investigations, including the specific inquiries made by the mentioned creditors and the outcomes of those investigations. 
Enforce compliance : If the credit bureaus fail to comply with their obligations under the FCRA or provide satisfactory evidence of the investigations and results, I urge you to take appropriate enforcement action against them to ensure that they uphold their responsibilities and protect consumer rights. 
Advocate for transparency : Please emphasize the importance of transparency in the credit reporting system by urging the credit bureaus to promptly provide me with the requested proof of investigations and results, as per my previous requests. Transparency is essential to maintain consumer confidence and uphold the principles of fairness and accuracy in credit reporting. 
I believe that by enforcing the FCRA and compelling the credit bureaus to provide the necessary documentation, we can effectively address the unauthorized inquiries on my credit report and ensure that the credit reporting system operates in a manner that protects consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number XXXX ), requesting an investigation into inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed in my credit file. To facilitate verification of my identity, I included supporting documents, including a copy of my photo ID, Social Security card, and a recent bill showing my current address. 
USPS tracking confirms that Equifax received the letter on XX/XX/year>. Despite my valid and detailed request, I have not received any investigation results. It has now been over 30 days since my submission, and Equifax has failed to provide any communication or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of information in their file. Equifaxs lack of action and failure to respond to my dispute appear to violate this legal obligation and infringe on my consumer rights. 
As evidence, I am including a copy of my original dispute letter and USPS certified mail proof of delivery to support my claim.
Product: Debt collection

My insurance at the time should have covered these amounts. This was opened on XX/XX/ 2012 and the  amount allegedly owed is {$1400.00}.
Product: Credit reporting

I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.
Product: Debt collection

Collection company called my cell phone 2 times without verifying that this was my number and they left a detailed message on the name of the creditor that I owed money to. They also called my place of employment and left the same detailed message on a voice mail without verifying that was me. They also called my brother and gave him information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX had noted that our home equity was paid off and that they were going to send the satisfaction of lien to my county records department. As of XX/XX/XXXX this still has not happened and Im yet again told to wait another 10 weeks for the lien release to be recorded. They have screwed me out of refinancing at an extremely low interest rate not once but twice. I am frustrated. I would also like to note that Dovenmuehle Mortgage services the loans for XXXX XXXX XXXX so I was told yesterday from XXXX that since the loan is paid off they dont deal with the account anymore.
Product: Checking or savings account

My wallet was stolen from XXXX at XXXX XXXX XXXX XXXX, Kansas XXXX MO XXXX between XXXX while I was having dinner with my XXXX XXXX XXXX son. 

I reported my wallet stolen the next day to XXXX, thats when I realized my wallet was gone because I went straight home after XXXX and had no more use to look for my wallet. Police report case number is XXXX. 

Called every merchant and credit card to close accounts and issue new card. Inclusing Chase. The perpetrators tried to use all the cards in my wallet. They successfully used my XXXX card at XXXX XXXX and I was not liable for that charge. They somehow were able to use my Chase debit card at XXXX 's for {$640.00}. They did not have the pin, it was not written on the card or on a piece of paper in the wallet. I spoke with XXXX 's and the said they needed to be contacted by the police in order to do anything. The XXXX 's location is XXXX XXXX XXXX XXXX, XXXX MO XXXX ( XXXX ) XXXX. I was contacted a few days later by XXXX, Kansas police saying they found a few of my items in a stolen car. They further investigated, found the perpetrators and have video footage of them stealing my wallet from XXXX and using the card at XXXX. I was in contact with XXXX XXXX ( XXXX ) XXXX case number XXXX for auto theft. 

Chase credited me back the {$640.00} on XX/XX/XXXX. Then on XX/XX/XXXX Chase reversed the charge and I am out almost {$700.00}. I faxed Chase fraud department with the police information and everything that happened. They said there is nothing they can do since there was no bad pin tries. I want my money back.
Product: Credit reporting or other personal consumer reports

Had an auto loan with Wells Fargo dealer services from XX/XX/XXXX to XX/XX/XXXX. Car loan was paid in full with not one late payment ever. Today XX/XX/XXXX, I get an alert from XXXX and XXXX that Wells Fargo reported a late payment today on this account, which has been closed for 2.5 years now, and on my XXXX report is showing the status of the loan open as of XX/XX/XXXX. I called Wells Fargo who claim they never reported any late payments and show the account as paid in full closed as of XX/XX/XXXX. This is highly unethical and unacceptable behavior from Wells Fargo and who ever is in charge of their accounting department. To be this careless and wreckless with customer information as to be reporting negatively on paid in full CLOSED accounts. This problem needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached dispute letter.
Product: Debt collection

6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.
Product: Debt collection

As a young man with minor responsibilities I went into school to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a student I made the decision to get married to the love of my life and then came our beautiful two children. My responsibilities increased as my family depended on me. I had to divide my time to attending school, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a student has stretched out into part time student credits. Up until now, I still am a XXXX XXXX  trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. 

I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. 
I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XX/XX/2025 MISSOURI HIGHER EDUCATION LOAN XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dispute of Inaccurate Information on Credit Report ( Section 605B of FCRA ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information that may appear on my credit report. After reviewing my recent credit report, I have identified an error that I believe needs to be corrected. 
Details of the disputed information : Item Name : MOHELA/ MISSOURI HIGHER EDUCATION LOAN Account Number : XXXX XXXX Disputed Information : DATA BREACH Reason for Dispute : There was a data breach in my credit a few years ago, but I was not knowledgeable of what to do about it, nor did I receive any help. I do not have knowledge of this account. 15 USC 1681b I respectfully request that you investigate this matter in accordance with Section 605B of the Fair Credit Reporting Act, correct the information, and provide me with a copy of the updated credit report once the dispute is resolved. 
Please acknowledge receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. I appreciate your prompt attention to this matter and look forward to resolving this issue. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts - This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Debt collection

I started receiving emails about a payment plan from a debt a collection agency that cant sue me, because according to the email, the debt is too old. I dont recognize this debt. I asked thru their communication, on their website for a debt verification letter. No response. I sent a certified letter demanding the debt verification letter, no response. Yet, I have received another email trying to collect. Resurgent Capital Services