23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to express my grave concern and dissatisfaction with the conduct of XXXX XXXX XXXX, a representative with whom I have been in contact regarding mortgage assistance. I believe it is crucial to bring to your attention the alarming circumstances surrounding his actions, which I fear are preventing me from receiving fair and equal representation in my attempt to seek mortgage assistance. 

During our recent interactions on XX/XX/XXXXI have become increasingly apprehensive about XXXX XXXX 's behavior, which gives me reason to believe that he may be obstructing my efforts to obtain the necessary assistance. I am deeply troubled by the following issues : Discriminatory Conduct : I am concerned that XXXX XXXX 's judgment and actions are influenced by biases, as I feel unfairly judged and discriminated against during our conversations. This undermines the principle of fair and impartial treatment that I expect from your organization. 

Impediment of Mortgage Assistance : It appears that XXXX XXXX may be intentionally hindering my ability to secure mortgage assistance. This not only goes against the principles of fair representation but also raises questions about the integrity of the assistance process. 

I am particularly distressed by the prospect that XXXX XXXX XXXX be working against my best interests, potentially leading to serious consequences such as foreclosure on my home. This situation is causing me significant distress and is a direct impediment to resolving the mortgage-related issues I am currently facing. 

I urge your organization to conduct a thorough investigation into this matter. It is crucial to ensure that all customers, including myself, are treated fairly, without bias, and have equal access to assistance programs. Additionally, I request that appropriate measures be taken to rectify any discriminatory practices and to guarantee that XXXX XXXX fulfills his role in assisting customers without prejudice.

I appreciate your prompt attention to this matter, as it directly impacts my financial well-being and housing stability. I trust that your organization will address this issue seriously and take the necessary steps to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have disputed this several times with Experian. 
Can someone please noticeThere is NO 30 days late, then 60, 90, 120. 
I had made my payments regularly ( see above ). 
I missed the XX/XX/XXXX payment, then the following month it goes straight to 60 days late in XX/XX/XXXX? 
No, it should be 30, 60, 90, 120. 
I caught up on my payments in XX/XX/XXXX. 
XX/XX/XXXX, on time. 
XX/XX/XXXX missed payment XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX paid all money due to XXXX and was caught up on my mortgage... this should be 90 days ... NOT 120 days. 
I have attached XX/XX/XXXX and XX/XX/XXXX letters to Experian- Which they rejected and stated this was resolved. NO it is not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.
Product: Credit reporting or other personal consumer reports

Loan with Mariner Finance was paid in full and closed on XX/XX/24. Credit reporting across all three major credit bureaus still shows the loan as open, active, and with a significant balance. I am in the process of applying for a mortgage and this is problematic because it impacts my debt-to-income ratio, which affects the terms of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/25, I tried to withdraw from my checking account using ATM, I was been informed that Transaction Denied and was asked to call Chase for further details. I called chase on XXXX, the representative told me that my account is closed by the chase as the final decision. Before that phone call, I even did not know this desition. The bank told me that they have the ability to close one 's account without the authorization from the customer when I asked why I did not get any warning or inform about account closing. No emails, No SNS, No phone calls. The remaining credits in this account will be mailed to me in cash and the mailing is the only way. That is a large amount of money and I already told the bank I am not the only one who uses the mailbox, additionally, the bank can not track the shipping processing, the safety for the money can not be guaranteed. The bank asked me to keep eye on the mail person and mailbox. On XXXX, I called to chase, they found the excuse that their system has some issues and hanged up my phone call after I described the entire story about this accident. 
I am very angry at the way this was handled and their attitude towards this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.
Product: Credit card or prepaid card

Discover Chargeback Dispute # XXXX Discover disputed charge, that still has not been resolved since XXXX of XXXX. This involves a charge dispute, I was told to file by the XXXX XXXX XXXX, regarding a {$100.00} gift card issue at point of sale in which I did not leave the store with the gift cards paid for on the Discover card because the XXXX self-checkout register could not produce a gift card receipt. I opened a charge back for this in XX/XX/XXXX. 

After months of it not being resolved, I even made a special trip into XXXX to discuss with the store XXXX named " XXXX ''. She said she closed it out as undisputed, meaning not challenging the charge back and should all be good. Now recently, Discover keeps adding the charge to my statement as recently as the last XXXX days, then possibly refunding with some activity on my statement as recently as yesterday XX/XX/XXXX. It's been an on again and off again cycle for months. Now I see it again on my statement for a second time, being added and possibly re-credited. 

It's time for Discover to officially refund this charge and close out this case in my favor as the customer who did not even leave the store with the gift cards paid for with my Discover card. I did what XXXX 's XXXX told me to do, which was dispute the charge, and since XXXX states they are not challenging my charge back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the 3 credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, Resurgent Capital Services, and XXXX XXXX XXXX claiming to represent LVNV in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.
Product: Mortgage

To Whom it may concern, Since XXXX, I have made numerous attempts to try selling my home ( XXXX XXXX XXXX XXXX., XXXX XXXX XXXX NV XXXX ), but failed due to a lien Wells Fargo placed on my home. 

In XXXX, I received a home loan along with a HELOC loan through Wells Fargo Bank. Unfortunately, due to some financial hardship I filed for bankruptcy on XX/XX/XXXX, assuming my HELOC loan would be cleared along with my other debts. 
I then realized the HELOC loan was not cleared with my bankruptcy when I tried to sell the house in XXXX. I was told by a title company that Wells Fargo put a HELOC lien on the house. 
I then immediately made numerous attempts to ask Wells Fargo what I needed to do for them to call the state recording office for a lien removal. Wells Fargo shut me down and told us they will not help with this case. Their reason was my HELOC loan was sold to another loan company, and I will need to clear with them. So, I hired a legal advisor. My lawyer followed the paper trail and found out the servicing company that bought the loan is no longer in business. The title company attempted to remove the lien using their contacts and resources, but was not successful. Since the loan was bought from a servicing company, instead of a bank, FDIC can not help me to remove the lien. 

At this point, I have exhausted all my resources and my funds to resolve this problem. I am tired, frustrated, and saddened by how everyone especially Wells Fargo could not help with what I feel is a simple case. All Wells Fargo need to do is call the recording office and clear my lien. 

Thank you, Sincerely,
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Sofi bank did not refund my money after a merchant took my funds unauthorized, they made me wait 90 days and denied a claim i had proof to be valid total of XXXX us dollars, on top they closed my account and the merchant taunted me about it. this has caused me great hardship and sofi should return my cash i talk to law enforcement and they said it should be a charge back to my card instead sofi denied and closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX, factor trust XXXX  and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date opened XXXX/XXXX/XXXX {$400.00} 7 )  XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ri XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ri XXXX 3 )  XXXX XXXX XXXX XXXX XXXX , ri XXXX 4 ) XXXX XXXX XXXX XXXX , RI XXXX 5 ) XXXX XXXX XXXX XXXX , ri XXXX 6 ) XXXX XXXX XXXX XXXX , ri XXXX 7 ) XXXX XXXX XXXX XXXX , MA XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXXXXXX 10 ) XXXX XXXX 11 )  XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX  14 )  XXXX XXXX XXXXXXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX   XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My existing home loan was sold to XXXX XXXX XXXX XXXX, serviced by Select Portfolio Servicing Company in XX/XX/2023. They are not reporting loan payments to the credit reporting agencies. When asked why they stated that they needed a " reaffirmation statement '' from a prior bankruptcy. I forwarded this to them however they state that it is insufficient.
Product: Vehicle loan or lease

Violation of 7-in-7 rule. Where as Flagship Credit Financial has contacted me more than 7 times in 7 days. The overall aim of Regulation F is to outline prohibitions on harassment or abuse, false or misleading representations and unfair practices. Its a rule of the Fair Debt Collections Practices Act ( FDCPA ), which is enforced by The Bureau of Consumer Financial Protection ( CFPB ) Violation - *Civil Liability 15 USC 1692k, 1692n, 1692o A debt collector who fails to comply with any provision of the FDCPA or Regulation F
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed late payments. The delinquent payment shown on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad astra recovery services also XXXX XXXX wont remove this from XXXX after being removed from other bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ANDXX/XX/XXXX EXPERIAN WAS INFORMED THAT I AM A VICTIM OF IDENTITY THEFT AND XXXX IN THE AMOUNT OF {$420.00} WAS NOT MINE AND SHOULD BE REMOVED. EXPERIAN WAS SENT SUPPORTING DOCUMENTS BUT DECIDED TO SEND STALL LETTERS INSTEAD OF ADDRESSING THE PROBLEM. EXPERIAN CONTINUES TO REPORT ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. XXXX CANT VERIFY PROVIDE SUPPORTING DOCUMENTATIONS SUCH AS A CONTRACT BEARING MY SIGNATURE. I HAVE NO DEALINGS WITH XXXX OR THE COMPANY XXXX THAT IT REPRESENTS. EXPERIAN IS IN COMPLETE VIOLATION. THERE IS NO CONTRACT PLUS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT!! HOW IN THE XXXX   IS IT STILL BEING REPORTED WITH NO CONTRACT AND OBLIGATION BETWEEN THESE COMPANIES AND I.
Product: Debt collection

I was contacted by phone by a debt collection company, Phoenix Financial Services, regarding a debt alleged incurred by someone with the same name on the other side of the country from me. The phone agents were rude, harassing and keep hanging up on me forcing me to call them back again and again to try and get information to dispute the alleged debt. On XX/XX/XXXX the agency sent me a letter demanding the money. The information contained in the letter clearly shows that the agency believed incurred the debt has a different middle name than I do.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The debt collector is Remex Inc. located at XXXX XXXX XXXX XXXX, NJ XXXX. Remex illegally reported my medical debt before the 180 day period according to the Medical Debt Relief Act of 2016. The debt went to collections XX/XX/XXXX and was reported to the credit bureaus in XX/XX/XXXX. When they were notified that the debt should not have yet been reported since it was medical debt that was less than 180 days old- they said that they would not correct their mistake and notify the credit reporting agencies. 

They then tried to manipulate the situation by saying they could get the debt removed after it was paid. However, I informed them that after a debt is paid it is unlikely to get removed by credit bureaus. Since the debt should not have been reported yet, they needed to remove it and then I would pay the {$59.00}. 

Remex then lied and stated that the law says they can report medical debt 180 days after your doctors appointment rather than 180 days after the debt goes to collections. When I informed them that I was aware of the law, they continued to make misrepresentations and being contentious by telling me to call the credit agencies instead.
Product: Credit reporting or other personal consumer reports

I been trying the reporting agencies to raise my FICO score back to XXXX in the case of Equifax. They lowered it to XXXX for no reason. They also didn't all tmy accounts at XXXX XXXX XXXX XXXX. The CD they don't list has over {$83000.00} in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I held two separate accounts with XXXX XXXX XXXX. XXXX account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled onXX/XX/2023, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX  proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points. 
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). RegrettablyXXXX XXXX XXXXas yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them email mail no response
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX in XXXX. I financed the vehicle at {$18000.00}. Over the length of having this loan, Ive made a total of 24 payments. On XX/XX/XXXX, I had two refunds from XXXX in the amounts of {$3200.00} and {$890.00}. Those two payments were the first two payments that were applied to my account bringing my principal balance down to {$12000.00}. My first principle payment was made on XX/XX/XXXX. I made three principle payments on XX/XX/XXXX in the amounts of {$420.00}, {$420.00}, and {$420.00}. On XX/XX/XXXX, Chase, without my authorization reversed those payments from my account and put those payments all to the interest that I dont agree with on my account. On XX/XX/XXXX I made another payment of {$840.00}. I didnt make any payments on the loan prior to XX/XX/XXXX because at that time I was under the assumption I had no payment due according to my online statements. Im filing a complaint because Chase Auto refuses to resolve my concern in regards to my auto loan interest. Ive made numerous attempts to get my concern resolved but was unsuccessful. The last principle payment made on my account was for {$41.00} on XX/XX/XXXX. According to my own calculations and receipts, my auto loan is paid off and Chase Auto is refusing to release the title of my vehicle until I resolve the principal balance on my auto loan that I do not agree with.