23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an elderly Client, on a fixed income and currently is upside down on her 2 Mortgages. I worked very hard to obtain a fair and reasonable offer of {$290000.00} which was based off condition and location. After weeks of obtaining requested Estimates per 1st Lien Holder Shell Point, the estimates where sent in equaling well over {$240000.00}. Now to be told the Investor of XXXX does not look at condition or location for current market value, they look at the Asset. My Client and myself have now received a rejected Offer to Purchase, and have been required to re-list my Client 's home at a much higher price then it would ever sell for of {$420000.00}, and enforcing a Deed and Lieu of Foreclosure, and still owing the deficiency is uncertain. It was clearly stated to me by Shell Point 's Associate that XXXX will then renovate the property and return the property to the active market after the deed n Lieu is established. This type of act is clearly keeping our housing market and assisting in spawning our Communities housing Crisis. Allowing such Investor 's to entrap these Borrower 's into a Deed in Lieu leaving them homeless and owing who knows how much money after the fact, is a far cry from Helping our Homeowner 's in financial distress. This is Consumer abuse at so many levels. Where XXXX dollars in profit is being made at the expense of the Consumer 's in financial misfortune, and have NO Assets to go to. No other options have been provided to my Client, and the phone calls just keep coming in from Shell Point trying to enforce the Deed in lieu, prior to a Sheriff Sale on XXXX XXXX 2017, enforced by XXXX XXXX XXXX who was the former servicer of my Client 's Loan prior to Shell Point. My Client has tried to do the right thing, sell the property. After being told originally from XXXX XXXX XXXX, to stop making her monthly mortgage payments, she received an accepted modification from XXXX lowering her payment by {$300.00}, to only know the Borrower could not afford those payments either, now the financial road just caved in even more, leaving her not able to make the payments, or make up the past due payments she was told to stop paying. The Average Consumer, does not know the Mortgage guidelines of these so called Assistant Programs. At this time my Client prays for a workable solution, based off this information provided.
Product: Mortgage

Wells Fargo informed us that through their negligence they never properly recorded our mortgage with the XXXXXXXX XXXX  XXXX XXXX County Clerk 's Office, thus leaving our mortgage unrecorded. I reached out to them several times, but they have refused to right this wrong. We closed on our mortgage in XXXX of 2016. About ten days ago I contacted XXXX XXXX the Deputy City Register at the Dept. of Finance and told her of the situation. She spoke with XXXX XXXX of Wells Fargo and told them that they were responsible for the fees and costs of recording my mortgage, yet they still have not sought to rectify the situation. Can you have them rectify the situation? If not, can you put me in contact with the agency that can?
Product: Debt collection

Repeatedly sent letters disputing all 8 accounts listed with Midland credit management. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the XXXX  XXXX account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have been in contact with Wells Fargo since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by Wells Fargo representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted WellsFargo and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly Wells Fargo is not helping me in this endeavor. 

Thank you! 
XXXX XXXX XXXX
Product: Debt collection

On  XXXX / XXXX /17 I called Wells Fargo regarding my credit card debt with them, which was for  XXXX  . I was told that if I settled and paid  XXXX  $ that I would get a " settled in full with a current balance of   XXXX   '' letter. So, I paid the  XXXX  . I now have a  XXXX  $ debt with them that showed up on my credit score. I am trying to get approved for a home loan and my score has now declined since this  XXXX  $ " debt '' has been re reported. I called Wells Fargo to discuss this and  XXXX , the manager, said that no matter what the issue, I still have a  XXXX  $ debt with them and it will never show on my score as a "   XXXX   balance ''. I have asked them to pull the phone conversation I had with them when I paid the settled amount because they specifically told me that I would have a current balance of  XXXX  with them. This is common sense, if you settle an account then no remaining balance should be owing. I am demanding that this issue be resolved and that Wells Fargo send me a  XXXX  balance letter. I have attached the letters Wells Fargo has sent me regarding the situation.
Product: Checking or savings account

On XX/XX/year>, I reported unauthorized activity on my SoFi account to the bank. The transactions were from XXXX totaling {$190.00}, dated XX/XX/year>. I confirmed that I had not shared my card information with this merchant. 

SoFi 's response stated that no error was found and no refund would be issued, citing credits from the merchant. However, I never initiated any transactions with XXXX so these credits are irrelevant. XXXX also confirmed they can not provide information on an account that is not mine and advised me to dispute the charges with my bank. 

On XX/XX/year>, SoFi alerted me of further unauthorized transactions. I confirmed these were not mine, but my attempts to contact SoFi were unsuccessful due to long wait times and a subsequent system closure. On XX/XX/year>, a chat with a SoFi representative named XXXX assured me the transactions were declined and a new card was being sent. However, this was false, and the transactions were not declined. 

I raised this issue with my account manager, XXXX, but she dismissed my concerns and ended the chat without resolving the issue. SoFi 's repeated failure to provide accurate information and address my concerns is unacceptable. 

I request a full investigation into this matter and a reversal of all unauthorized transactions from XXXX. The continued failure of SoFi to protect my financial interests and provide accurate information is deeply concerning, and I will pursue legal action if necessary.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 ive disputed these accounts with transunion, XXXX, and XXXX  i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies .transunion instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.transunion especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.
Product: Debt collection

In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX   XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.
Product: Money transfer, virtual currency, or money service

Okay so back in XX/XX/XXXX I accidentally sent money to the wrong phone number through my bank. I have been in contact with the person I sent the money too and since then he has sent proof from his bank ( XXXX XXXX  ) showing he had a removal of credit on his bank account. That was XXXX XXXX 

The letter, XXXX XXXX  dispute number, XXXX claim number provided to my bank ( Chase ) with picture of the removal of credit for the money I sent them. 

I called my bank told them XXXX XXXX  has removed the money and chase said on XX/XX/XXXX they reached out to XXXX again and they said " have not received the money to refund me from XXXX XXXX  and i authorized the payment so they will not refund it since no mistakes were made '' Does that mean they do not want to refund the money although the man has had the funds removed on his account? 

He called his bank again on XX/XX/XXXX and asked them to reach out to zelle to escalate and refund me my money back but his bank said XXXX has it and my bank needs to do their job. 

They no longer has the money because it was removed on his account ( apparently ) I know I authorized the payment so, it's technically not fraud but if the person had the funds removed from their account why isn't XXXX sending it back to me? Is that even legal? Where did the money go? Does XXXX have it or does the bank just keep the credit for themselves? 

He could of sent it right back to me through XXXX but with the scams lately he said he " did what his bank told him to do. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX ( {$3300.00} ) it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 
I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 
I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Product: Credit reporting

I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXXXXXX {$900.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Product: Credit card

My Barclays credit card went missing, I explained this many times on the phone and sent many faxes they requested and in the end they now stick me with the bill. I did n't buy anything and I 've never heard of most of those places. I talked to some arrogant guy on the phone and he said they had me recorded saying it was n't fraudulent charges a tthat time, but that caller was n't me. 

Anyway I did n't make any charges on my Barclays Mastercard since XXXX XXXX, and I 'm billed something like {$6000.00} I will of course never pay and I get bad credit because of the incompetence of Barclays.
Product: Credit card or prepaid card

Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.
Product: Vehicle loan or lease

I believe Nicholas Financial has shared my personal information with XXXX XXXX XXXX After I got purchased the car from Nicholas I was immediately contacted by XXXX. 

In addition I am being charged for insurance with a percentage rate on the insurance charges.
Product: Mortgage

Numerous tries to pay a large amount towards principal balance. My last call was today XX/XX/XXXX and after being on hold to speak to supervisor was told to send my payment wire transfer to XXXX XXXX ABA # XXXX A/C # XXXX. I called XXXX XXXX at XXXX and they do not even have my account, the a/c # I gave them they told me was inactive since XXXX. Called Lakeview # XXXX to speak to a loan specialist and they gave me a different number which is not in service # XXXX. XXXX is suppose to be handling my mortgage but supposedly they only take the payments for Lakeview. The number I have for XXXX  is XXXX. Can you please help me? I am unable to talk to anyone that knows how I can make a large principal payment.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed money from World Finance and they added on fees as they rushed me through the signing process. i.e. an insurance charge that this type of loan does not require, some other monies in case of my death that, again, I did not need. This company is definitely a predatory loan company. I am on XXXX and the loan with the added extreme interest rate are darn near what I get in a year.

I have asked them to remove these items and refinance my loan, as well as correct some errors in the paper work that are not correct all to be told, once it is in the system we can't change it and the obvious " you signed it ''!!

Please help! Sincere thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.
Product: Credit card

Bank of America report on my credit that I owe their {$210.00}. 
Never got a credit card from major credit company during my life, and now I am trying to get one and I can see that bank of America already report that i had one with {$210.00}. 
I told bank of America multiple times that it's not my account and I already filed a identity thief but they refused to removed this account. 
My address on their report is incorrect.
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. 


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 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 XXXX 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, credit repair services, or other personal consumer reports

Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.