23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contracted with XXXX in XXXX for mortgage for 30 yrs, in XXXX XXXX, they sold my loan to freedom mortgage in SC. freedom contacted me and told me that I need flood insurance. my contract with XXXX included a flood certificate which said I am not in a flood zone. freedom will not accept this document so I have spend weeks trying to get this resolved. 
they will add flood insurance 45 days from first letter if I do n't get flood insurance and I feel totally XXXX. I did not ask for an ; y of this and have a perfectly good document. I want to file claims against XXXX companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks TOYOTA MOTOR XXXX, XXXX, XXXX, XX/XX/XXXX - XXXX & XX/XX/XXXX XXXX
Product: Mortgage

Dear CFPB, Please note the routing number on the payment form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in XXXX XXXX and please let me know how this can be done. 

Thanks XXXX XXXX : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : RE : Borrower still due for XXXX Hi XXXX, Thank you for reaching back out with that updated ACH information. The NSF return is showing for NSF-Unable to Locate Account. This could be a servicing error or the borrower could have made an error on the ACH form. We dont have visibility as to the bank account information entered into XXXX system, but they would have set up the ACH to draft from the form we provided from closing.

It looks like the borrower has been unresponsive to 4 call attempts so far to a phone number ending in XXXX. Please have the borrower contact XXXX to resolve at XXXX or direct to their Account XXXX XXXX XXXX at XXXX or XXXX. 

Thank you. 


Best, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX www.civicfs.com ________________________________________ CIVIC FINANCIAL SERVICES XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

tried to get a personal loan when I mentioned using a XXXX of the XXXX XXXX on a work van I was cut off and denied because it was related to my business
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 
I HAVE NOT AUTHORIZED THESE INQUIRIES BELOW, PLEASE DELETE THEM! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a car and I realized I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on your report is a defamation to your character.
Product: Credit card or prepaid card

Issues with VENMO ; I filed a dispute XX/XX/ they told me Ill get a credit, for the unauthorized transaction for XXXX, in 10 days. I then was told XXXX business days, then 30 days, then 45 days then I was told 50 days. Multiple online chats, multiple phone calls, multiple agents and multiple lies were told/made when I simply wanted my funds back for this dispute I filed. It officially got filed XX/XX/XXXX it is XX/XX/XXXX and I have received NOTHING, but a suspended account now I have up to 180 days ( sometime in XXXX ) to get the SAME XXXX I was supposed to have got back in XXXX. I have a XXXX XXXX XXXX and XXXX XXXX XXXX and now no house alllll due to this dispute that has been going on since XX/XX/ I am UPSET beyond measures because as a customer I feel as if this is a fraudulent bank who did not follow policy and now are keeping my funds & I have NO WAY of retrieving them until THEY feel as if it is a good day to release them to me XXXX assuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 1099R from Wells Fargo Bank, N.A. for interest income paid on an account that I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : FAIR COLLECTIONS & OUT Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX5 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.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit

report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
DELETE THESE ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX CORRECT LATE PAYMENTS ON : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVE THESE INQUIRIES FROM MY REPORT : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.
Product: Debt collection

On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.
Product: Vehicle loan or lease

Hi! I am having huge issues with Ally Financial in regards to my vehicle. I spoke with the company several times in the last year asking for assistance with payments. Ally financial messed that up for me on more than one occasion. My car is now in Jeopardy because each agent at ally decides they are gon na tell everyone a different story. My car was out for repossession because Ally kept messing up my payment arrangement and now I am so far behind. I sent a payment as asked if me on XXXX in the amount of {$400.00} to stop the repossession. I called very day for 7 days to make sure that ally was aware I wired this money via my bank account as advised by Ally because I had reported fraud on my banking just a few days before and was unable to make a debit payment. I was told to just wire it and they would get to my account. I called for a week- yesterday on XXXX I was told that payment was not received and car was out for repo. Ally did not even try to assist in finding that missing payment that I provided a confirmation for an everything. No help from ally at all and just a sorry for not calling to advise my payment never made it to Ally. I am so mad at this time. I put slit of effort into making that {$400.00} payment to stop the repo. Please help me. This is unacceptable Have a great afternoon XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XXXX due to this and now they're playing games stating they have no information
Product: Student loan

Struggling to pay loans due to current income when I got behind I received numerous letters from Sallie Mae stating to call to find out repayment options. Well, when I called I got very rude answers and was told there were no options for me besides to pay my loan. When I mentioned, I was told there were other options they refused. Consignor even called and was given same cold shoulder.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 15 U.S.C 1681 Section 602 A. States I have the to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have contacted your office in the past and have also spoke to you recently as regards to a long outstanding case with Wells Fargo Bank. 

I have been in contact with Wells Fargo on a number of occasions since XXXX as regards to my property that went in to Foreclosure and was sold without my knowledge on XX/XX/XXXX. 

Over the months I have tried calling Wells Fargo, but was put through a number of different departments where no one could help me. 

I was told months before the Foreclosure that a modification plan could save the property. As a XXXX resident at the time the modification was set supposed to have been set up I was in the XXXX undergoing XXXX XXXX and could not travel. Wells Fargo requested that I faxed through to them the documents required for the modification and the documents was faxed through to them on a number of occasions of which I spent nearly {$200.00} on faxing the documents they had requested and have proof of confirmation or acknowledgement receipts. 
The final documents they requested I faxed through and also had the confirmation receipt. 

I waited four weeks to hear from, but heard nothing within that period, so I decided to call them and to my horror I was told by Wells Fargo that they did not received the last set of documents I had faxed through ( strange, as all documents faxed through to them before, they had received ) and again to my horror they told me that the property was sold sometime ago. 
So during the weeks of faxing the documents through to them to start the modification process, they had lied to me and deceived me in to thinking that I had a chance in securing the property, when unknown to me they had sold the property and made a profit. 

I hope you can look favourably on my case, as justice needs to be done to protect vulnerable people from these commercial giants. 

I have lost all my furniture and belongings that was in the house at the time they sold it, and now I have nothing, because of the injustice I have suffered at the hands of Wells Fargo. 

I have tried to contact them on several occasions, but was told they can not find my files or any details about me. I sincerely hope justice will be done and wait to hear from your office. 

( This letter was sent via mail on XX/XX/XXXX, but I was told by your office that it was never received ).
Product: Credit card or prepaid card

I was a XXXX XXXX XXXX at the time, under XXXX, without a job when I received the XXXX ( {$400.00} ) and Apple Card ( XXXX ). I have XXXX XXXX XXXX, and suffer from XXXX. At the time had been experiencing a XXXX XXXX where I spent unnecessary money and could not help myself, this was especially apparent with the Apple Card. There is another card ; Wayfair ( XXXX ), with XXXX XXXX  that I can not pay. 

During the pandemic, starting in XXXX, they made efforts to stop the accruing of interest. Although I expressed to them multiple times that this was a debt I could not pay as I was a XXXX XXXX, without a job. They gave me the contact information for XXXX, a debt consolidation program. Hopeful, I signed up with them, only for XXXX to inform me that Apple does not participate in this program. XXXX has not heard from XXXX at all, so whether or not they participate is unknown. 

I am XXXX years old currently, and my mother has been assisting me with the payments, completely. I am unemployed, unable to work due to the XXXX XXXX and working with XXXX XXXX professionals to receive social security benefits. My condition has hindered me in multiple ways, even preventing me from attending school this year.
Product: Student loan

I'm a XXXX  resident who owes student loans and have been on the PSLF plan for the last 9 years. My loans were transferred to Mohela last year, and I've talked to them approximately XXXX times on the phone since XXXX. To date, they refuse to generate a correct bill for me to be able to pay my loans. I have repeatedly submitted my income-drive repayment applications at the direction of their phone representatives. Only on one occasion did they come up with the correct amount to bill me for pursuant to the Department of Education calculator ( {$150.00} ). 10 days later, they canceled that plan and told me I owed {$3200.00}. They then instructed me to send another IDR application in. They now say I owe {$250.00}. I told them that amount was incorrect and they had me submit another IDR application, which they promptly canceled as a duplicate application. They also had to put me in administrative forbearance from XXXX through XXXX because they illegally sent me a bill ( for the incorrect amount ) less than 21 days prior to the due date. They have stated repeatedly that this administrative forbearance will count towards PSLF. Half of my XXXX loans are now showing as ineligible for PSLF. I have called so many times and can not make any progress whatsoever. They told me I should make a XXXX payment but my account shows that I owe nothing and I never received a bill for XXXX. I have filed a complaint with the XXXX XXXX XXXX ombudsman as well and was told I would receive a response within 15 calendar days, but did not. To date, I have made every single student loan payment on time and have never had any problems with my accounts, but I literally CAN NOT get Mohela to generate a bill for me. I have spent hours talking to them and am at my wit 's end. I've been a local government employee for 9 years and simply want to have a bill generated so that I can make my student loan payment as I've always intended to.
Product: Credit card

I joined a gym on a monthly payment plan. When I put my gym membership on hold, they still continued to charge me. They have refused refund so when i disputed the charges with my CC company they said they would n't cancel the charges because the gym putting the account on hold was done as a favor. This was n't a favor though, since it was in my contract. I 've tried multiple avenues with the gym and with the CC company and do n't know where else to go for this.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute an address on my Experian report. For unknown reason Experian seems to thinks this address is valid. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Is an address that does not exist at all and I am baffled that Experian claims to verify my complaint as a valid address. 

I do a brief search on the United States postal website to validate the address and that address does not exist. 

I then enter it into goggle maps and that address does not exist. 

I have attached prof of my social security number is listed on the XXXX website The only address that popped up even with the wrong info is The post office address of XXXX XXXX XXXX XXXX, CA XXXX. Ism fully aware that my social security number is on the XXXX market and people possibly trying to obtain some credit with the info they have. I am fully aware that my California identification card is being used as it was stolen.
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report are incorrect. I filed a report with identity theft.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX / XXXX XXXX XX/XX/year>