23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After 9 months of providing volumes of information to facilitate a loan modification on a XXXX mortgage of {$23000.00}, we were informed in XXXX by Wells Fargo that our request was declined. The reason given was " Your loan with us is not a XXXX lien mortgage ''. Wells Fargo took us down the path of requesting financials and making us believe the loan would be modified when they knew right from the onset that this was a XXXX mortgage and had no intention of modifying or assisting us in our financial hardship. 
We submitted Loan modification documentation to Wells Fargo in XXXX and XXXX, XXXX, respectively, and made subsequent follow-up calls to the Home Preservation Specialist ( See XXXX ) and left voicemail messages which were never responded to. On XXXX/XXXX/XXXX I received a voicemail asking for some minor updates and clarifications which I responded to the same day only to be told on the next day that they were too late to be considered. We have been harassed with foreclosure action for the last several months when in fact ASC ( Wellsfargo Home Mortgage ) has had all the necessary documentation to facilitate a modification of the loan as sought. We would like for our request to be reviewed in light of the unfair treatment we have been subjected to, which has further compounded the hardship we have been experiencing. We were forced to borrow from our 401 ( K ) to make a {$5600.00} payment on XXXX XXXX, XXXX to avoid foreclosure, which included foreclosure fee/cost - {$920.00}, unexplained Unpaid Advance balance- {$1500.00} and Escrow Advance - {$73.00}, to reinstate account due to Wells Fargo 's failure to complete the review of the modification request as promised. We will appreciate if the {$5600.00} is refunded back to us and account modified and/ or reaged as previously promised. Furthermore, we have paid more than the original XXXX amount at the usurious and predatory lending rate of 13.29 %. Current Principal Balance {$22000.00} ; Loan Origination Date XXXX/XXXX/XXXX ; First Payment Due Date XXXX/XXXX/XXXX Maturity Date XXXX Effective Interest Rate 13.29000 % Original Loan Amount {$25000.00} ; Amount paid since origination {$40000.00}. While the account was being reviewed for modification, Wells Fargo accelerated the loan and started foreclosure action even while telling us that the property would not be foreclosed on. It is apparent that Wells Fargo causes my aggravation than assistance to it 's customers as evidenced by the numerous complaints some of whom have lost their homes to foreclosure, which seems to be the business model that Wells Fargo uses. Our credit and financial situation was worsened by Wells Fargo 's unfair and deceptive practices. It should further be noted that Wells Fargo would not even offer a deferment or payment plan to us to get caught up on the past due amount, which lends credence to the notion that Wells Fargo uses foreclosure as a cash cow! The holder of the XXXX mortgage ( XXXX ) were extremely helpful and completed the modification in 45 days.
Product: Debt collection

Date incident occurred : XX/XX/2018 at Approximately : XXXX PST. 

I called into IQ Data International collection agency to try and figure out a debt and resolve it. I called in and spoke with an " XXXX '' right off the bat he was rude and wanted to belittle me. I told him I wasn't aware I had this debt and what it was about as I know I paid this apartment complex off with a cashiers check when I moved out. He stated that they have called me multiple times on my cell phone, my employer and sent me information. I advised I have not received anything. He stated that " I should pay my bills and I wouldn't have to worry about it. '' I was offended by this as I was trying to call in and resolve this debt, I told him not to speak to my like that and he continued to antagonize me and apologize that " you are sensitive sir. '' I stated this is how you treat customers? he replied " you are not our customer, XXXX apartments are. '' I then stated that it doesnt give him the right to treat me like that, he then responded with " Oh, I am sorry I offended you sir, I am sorry you are sensitive. '' I asked to speak with his supervisor, he then responded very aggressively with " No, you will not speak to my supervisor you will speak with me, I am sorry you are so sensitive but you are not talking to anyone but me. '' I continued and demanded a supervisor, he then sent me over to " XXXX '' who was the manager on duty she said they would listen to the call and take appropriate action and then we discussed the options I had. While on the line with her the background noise was insane with people yelling and cheering and I asked her what kind of establishment was this? She responded " I am sorry they like to be loud sir. '' She ended up taking my payment to resolve the debt and as she took it I heard people in the background taunting and cheering that she got me to pay. I am very upset about how this was handled and it was the most unprofessional interaction I have ever had with any company in my life. I want to file a formal complain on IQ Data International Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX aka XXXX has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. XXXX admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked Equifax to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. Equifax also needs to be in trouble for not investigating what XXXX are doing here. XXXX reports false info on your credit file BEWARE!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  XXXX XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

US Bank charged me a {$30.00} returned payment fee 24 hours before notifying me of a returned payment. During this time my account showed that the original payment went through and nothing was out of the ordinary. When so called about the issue on XX/XX/XXXX a representative told me that I would have to speak with a manager who would call me in 48 hours. This never happened. On XX/XX/XXXX I called back and another representative told me there was no record of the conversation or a request for a manager callback. The representative then said she could put it in this time and said the manager would call me back in 48 hours. It is now XX/XX/XXXX and I have not received a single phone call and my account still shows a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe these companies.. I don't acknowledge the creditor. I am not the owner of the accounts nor am I responsible for the transactions made.. I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I've been charged more than 600.00 in overdraft fee in the last 2 years with my banks Chase Banks. I certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I've unaware off and there are no way and no time grace where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these bank are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I spent almost XXXX hours trying to correct a problem with my account at Equifax. Although I have removed a freeze from my account using the Equifax website on Sunday, XX/XX/2022, with the website confirming that the freeze was removed, XXXX XXXX XXXX XXXX was unable to pull my credit report for a mortgage application. Equifax told XXXX XXXX there was a freeze on the account. This was XXXX full day after I had removed the freeze. 

During my Monday call to Equifax, I was then told that there was a fraud alert on my account. I instructed the Equifax agent to remove that fraud alert at that time. 

The Equifax fraud alert clearly does not work because I have never received the call from Equifax when my account was accessed. 

Today, Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX again tried to pull my credit report for my mortgage application. Again Equifax told XXXX XXXX XXXX XXXX that there was a fraud alert on the account, thus blocking my credit union from obtaining my credit report. 

XXXX XXXX XXXX XXXX immediately contacted me. Equifax did not contact me. I signed onto the Equifax website which clearly indicated that my account did NOT have a freeze NOR did it have fraud alert. 

I have a screen print of the Equifax webpage showing this information and I provided this screen print to my XXXX XXXX, XXXX XXXX XXXX XXXX. 

It is so unfair that these credit reporting agencies can perform so poorly and disrupt the lives of consumers with no recourse or consequences.
Product: Credit reporting

After XXXX XXXX XXXX put a collection notice on my credit report that did n't belong to me, I have submitted multiple disputes to get the incorrect information removed from my credit report and it was declined each time. Under the Fair Credit Reporting Act, Experian is responsible to remove any inaccurate information. After receiving another collection on my credit that was n't mine but tied directly to this incorrect information, I sent a certified letter to their XXXX, TX location asking for this to be addressed promptly and removed within 30 days before I pursue legal action as well as filing a federal complaint. Instead, all I got back was a letter saying this was " suspicious '' and would be ignored. I uploaded applicable documents on Sunday and called in yesterday to speak to someone. I asked multiple times to be transferred to a manager and was refused. At the end of the call, I reiterated this frustration and my intent to file a complaint and consult with a lawyer and was advised a manager would give me a call back. It has now been a full business day and I have yet to receive a call or know for sure that all the incorrect information has been removed from my credit report. This is of course ignoring the fact that I have asked for all communications to be done in writing as this has been 6+ months of trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXXXXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit card or prepaid card

I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. 

When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. 

i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are so many fraudulent inquiries on my trans union credit report. I call them more than 16 times to deleted and send them documentation so many times about those fraudulent inquiries and the result always remain the same thing after sending them cfpb report and ftc report. I notify them many time about the fraudulent activities and now it's impacting my credit report. the following fraudulent inquiries were 32 hard inquiries in totals : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The payment plan + the loan terms equals to the amount of {$42000.00}. 
This amounts to an interest rate of roughly 42.67 %. 
The interest that is listed on the loan page and what was agreed upon on XX/XX/year> is 28.43 %. 
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Product: Debt collection

To Whom It May Concern, In XX/XX/XXXX, I have requested for credit card limit increase to XXXX XXXX XXXX. However, they could not increase my spending limit due to my annual income. At that time, XXXX of the specialists called me and told me that there 's a collection on my account that I would need to find out which is a negative impact on my credit report. This is when I first find out about my collections. 
On XX/XX/XXXX, I have contacted Mercantile ( Collection Company ) and spoke with XXXX XXXX ( XXXX # XXXX ) to find out about what the collection was for. She told me that it was from the XXXX Hospital that billed me and went to Collections Company. So I told her, " I had my school insurance during that time and should have been covered. '' XXXX XXXX was unaware of that matter and told me to contact the Hospital to dispute the bill. So, I contacted the Hospital and found out that I would have to contact their XXXX party billing service company, XXXX because they are the one who sent the bill and to collections. 
Before I contact the XXXX party billing Service Company, I have contacted my insurance company and spoke with XXXX XXXX if my policy was covered for the bill during XX/XX/XXXX. He told me that they never received any claims under my policy and even if they did, it should have been covered. ( Please refer to copy of email received from XXXX XXXX. ) On XX/XX/XXXX, I contacted XXXX the XXXX party billing company and spoke with XXXX to ask if she can dispute the balance due under my account. However, she told me that she could not open up any bills because they are no longer in service with XXXX Hospital. Therefore, she can not dispute my bills and told me to contact the Hospital again ... 

I have tried to dispute this bill by contacting Collections Company, the XXXX hospital, XXXX party billing service, insurance company, and new XXXX party billing service for XXXX Hospital. However, there was no one who can dispute or even open the bill and claim it to insurance company. I have never received the bill and unaware of it because I lived in XXXX, NY only for five months. 
After contacting all those parties, I contacted Hospital for XXXX last time. XXXX of the representatives from XXXX hospital understood my situation and told me to contact the XXXX credit bureaus directly and dispute the collections. Therefore, I contacted XXXX, XXXX, and XXXX and sent all my documents to request dispute. As a result, XXXX have deleted my collections. 

However, XXXX can not dispute my collection because Mercantile ( collection company ) denied to my request. XXXX told me if I 'm not satisfied to the results, I would need to send Personal Statement explaining why I 'm not satisfied.. First of all, I did not understand why XXXX asked Collections Company to dispute it again. I already told them that I was not able to dispute with any of the related parties. 

Please consider my situation and investigate my account. 

Thank youXXXX XXXX XXXX
Product: Mortgage

NATIONAL DEFAULT SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to  present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to  present.
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A SE/TOYOTA VEHICLE I WOULD LIKE FOR THE CAR TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637B.SETOYTA XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/2020 {$46000.00} INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Student loan

AES ( American Education Services ) with it Guaruanteeor PHEAA, has twice now incorrectly calculated my IBR ( Income Based Repayment plan ). I have notified them both times, and they have refused to correct the issue, leading to me being reported to the credit bureaus. 

I need this issue solved. They are causing my family and I a great amount of XXXX. We were going to try and buy a replacement car with credit, but were denied due to their reporting me to the credit authorities.
Product: Debt collection

Was told that upon payment ERC would forward to all credit bureaus a letter in regards to deletion from my credit report. Sent a dispute to XXXX and they deleted it however XXXX and XXXX has not done so or have not been notified by the collection company.
Product: Debt collection

XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Product: Credit reporting

I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX