23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX for XXXX, XXXX XXXX XXXX and working with a homeowner, XXXX and XXXX XXXX. They have submitted a hardship package, paid XXXX consecutive TPP and awaiting the decision from their mortgage company, Wells Fargo. The client called in on XXXX XXXX to check on the progress of their modification and were told that no information could be given, a new representative was assigned, the loan was in " litigation '', and the only person who give them information was the attorney. Wells Fargo would not give the homeowner the phone number to call the attorney. The attorney was supposed to call the homeowner. On XXXX XXXX, the client came in to see me XXXX XXXX ). I called and was told that the loan was in litigation and Wells Fargo could not give out information. All information had to come from the attorney. When we reminded the representative, that the homeowner had requested the attorney call him per Wells Fargo procedure, and he had not received a call back, the representative sent and email and informed us that the required 48 hours had not passed. The homeowner came back in on the XXXX to follow up with me as I would assume the homeowner would have received a call from the attorney by now, the attorney NEVER called the homeowner and now there 's no reason to speak with the attorney since the loan is going back to the home ownership preservation department. Someone, again, is supposed to call the homeowner from this preservation department within the next 48 hours. We asked for a phone number for the home preservation department and she would not give ' this phone number to the homeowner to call Wells Fargo. Homeowner must wait for someone from Wells Fargo to call them. 
The homeowner 's application has never been denied. The homeowner is very concerned about the litigation. Is this dual tracking as Wells Fargo has the loan in litigation while still working the loan for a modification. 
The homeowners are very very concerned and upset that their loan is with attorney and can get no information on their loan while it is in litigation. 
My complaints are that the loan first went into litigation when the homeowners have an active application for a modification. 
And secondly, there is a time where the homeowner could NOT receive information on their loan. And, thirdly, there will be a third Point of Contact assigned to this XXXX application for assistance. 
The homeowner was XXXX payments behind when they started this process. They have been Wells Fargo customers for over 15 years. They experience XXXX hardship and now feel that they are not treated well. I am just trying to help Wells Fargo understand how this process is making the homeowner feel = ca n't trust them, are n't being treated well due to their hardship ... .Remember the homeowners are doing what Wells Fargo instructed them to do in their hardship situation. 
They feel like they are being treated differently and treated as if you are not as worthy as customers paying on time. Remember they are making the payments as instructed by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have submitted numerous disputes to Equifax, XXXX, and XXXX. They have refused to investigate and provide me results. I demand an investigation. This is a violation of my rights. Please see all of my dispute letters attached. They have 3 bureau tables showing all errors.
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 und

er 15 USC 1681. 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: Vehicle loan or lease

On XX/XX/XXXX i received a letter from an auto finance company Global Lending Services. They informed me that they were unable to approve my auto loan application because of my credit score. Based on my credit score from XXXX credit. I never tried to buy a auto in XXXX XXXX and do not know how Global Lending Services got my confidential information and requested a credit report for a car i never tried to purchase. This company stole my identity and tired to use it to buy a car in my name. I have filed a local police report and filed a complaint with the FTC and state and local authorities for Identity theft.
Product: Credit card

On XXXX I called Citibank XXXX XXXX card support to learn how to set up XXXX to pay off my revolving balance in full every month while applying minimum payments to promotional 0 % interest balances. I was advised that the only way to do this would be to make a manual payment called " minimum payment to avoid interest '' every month, with no option to apply this automatically every month. A supervisor ( XXXX ) advised me that this was expected behavior and that I have to call in or issue a manual payment to avoid interest. This is a predatory behavior as if I miss a payment, they will charge me the full interest amount as I will be in default. They are counting on consumers forgetting to make a manual payment to make interest charges, and dishonestly remove the " minimum to avoid interest '' option from their autopay options.
Product: Debt collection

I have no debts ( never have ) and continue to receive phone calls from an automated system that wants me to call XXXX. The message states they are a debt collector called Superlative RM. 

These calls started 2 or 3 months ago and are received once or twice a week. No reason is given for the call other than stating they are a debt collector.
Product: Debt collection

This company called my ex husband and said I needed to call them. I also have a voicemail where they're threatening to call my employer. 
When I called the number he gave me, and the number in the voicemail, I was told they were an attorney 's office getting ready to file suit on me but if I made a payment right now, they'd stop it. 
When I asked for their name and address, they would not give it to me. They were very nasty about it. 
When I called back again, a different person told me they don't take payments and they are filing with a county I don't even live in. Even though the lady right before him was ready to take my card info. 
I told them to not call me again.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX informed me via letter dated XXXX2021, that an alleged debt had been sold to UHG I LLC. UHG I LLC has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by UHG I LLC fall under XXXX XXXX under Article XXXX or XXXX?
Product: Student loan

I received a letter from the FTC regarding a pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech directly but was unsuccessful. I have been making monthly payments to them for almost two years! I am very confused on what steps need to be taken.
Product: Student loan

I have been attempting to pay back my student loans with EdFinancial, however they have reversed every payment I have ever attempted to make. In the last 4 months, they have reversed all 4 payments I have attempted, including my recent payment in full. With each occurence, the payment has been processed and completed, but immediately afterwards is reversed with no explanation. I have checked multiple times to ensure the account numbers are correct, as well as with my bank to make sure the payments were not denied on their end. Since this has been a reoccurring issue and I have found many others with similar complaints, I believe this may be a case of Edfinancial acting in bad faith for additional interest collections. I appreciate any help that can be provided in this matter.
Product: Payday loan

I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.
Product: Student loan

I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX 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

To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent my son {$400.00} through PayPal but his account is closed and I didn't know. 
I tried to get monies back from Paypal but was told through online chat there's nothing they can do. 
I looked for a phone number through XXXX to talk to someone and encounter a scammer, he asked to take control my phone for identify verification, but had over {$900.00} stolen ( which my bank refunded ). I closed my PayPal account after that But I am still out {$400.00} which PayPal has, PLEASE HELP ME The money has to be there because the account that my son used is closed
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Debt collection

I have ask Midland Credit Management for Debt validation and they have yet to show me any proof.
Product: Credit reporting or other personal consumer reports

According to my XXXX, XXXX and XXXX report from XXXX this particular company is reporting that my account is 60 days past due and closed by the credit grantor. 

This information is absolutely false and I have the email to substantiate my claim. This has affected me in a major way from receiving goods and services from potential companies.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in my credit report.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXX XXXXExperian Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX 2002 XXXX, NV XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report from TRANS UNION I seen 2 medical collection accounts from XXXX XXXX XXXX {$2800.00} and XXXX ) {$9600.00} and an unauthorized inquiry for a XXXX via XXXX account allegedly on XXXX. I sent 3 certified disputes letter dating XXXX, and XXXX. To this date I received no correspondence and as a consumer I asked for verifiable proof XXXX original contract with said company with my signature and not a copy ), names and addresses of the individuals that was spoken to ( rather than sending a meager fax ) that allegedly verified the information being falsely reported ; as well as the method used to verified said false reports. The last and 3rd letter sent on XXXX also informed that a COMPLAINT TO FTC, FCRA, STATE ATTORNEY GENERAL to solidify and strengthen my case before I take the next steps of obtaining a consumer attorney and filing a small claims litigation for ALL MONETARY DAMAGES I'M ENTITLED FOR WILLFUL/NEGLIGENT NONCOMPLIANCE OF THE LAW UNDER SECT. 616 & 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid XXXX at XXXX XXXX XXXX in the amount XXXX XXXX is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment
Product: Debt collection

I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide XXXX forms of identification and that at least XXXX of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with *67 or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the GR Group I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for XXXX XXXX XXXX I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED A FEW YEARS AGO AND REPORTED. I RECENTLY WAS NOTIFIED THAT MY INFORMATION WAS INVOLVED IN THE EQUIFAX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent. 

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : Wisconsin Statute 134.98 requires businesses to notify individuals of unauthorized acquisitions of personal information. 

Wisconsin Statute 19.356 Wisconsin Statute 134.97 If you violate my privacy by sharing any of my PII, NPI, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting XXXX XXXX and Equifax know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure. 

Thank you for your attention, be blessed.