23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Consumer Financial Protection Bureau and Wells Fargo Bank, RE : Account/loan number XXXX We are respectfully requesting further assistance with our Wells Fargo Bank mortgage and a possibility of a reverse mortgage.. We are seniors, have lived at XXXX XXXX XXXX, XXXX XXXX, California since XXXX, and request that we may continue to live at the home until our deaths. On XXXX XXXX, XXXX, I will be age XXXX and will meet XXXX qualification for a reverse mortgage. My XXXX brother, XXXX XXXX, is age XXXX, and has lived in the home since XXXX. My XXXX uncle, XXXX XXXX, age XXXX, and brother of XXXX XXXX, has lived at the home since XX/XX/XXXX. I am their payee and their caretaker. 
According to the Wells Fargo XXXX XXXX, XXXX response letter, the company was unable to offer payment assistance due to the NPV or net present value of XXXX XXXX XXXX. Basically the property has equity of appproximately {$250000.00}. The current value is approximately {$850000.00} and the mortgage is approximately {$600000.00}. Therefore, I may qualify for a reverse mortgage or some related assistance. 
In XX/XX/XXXX, our parents gave us a home located at XXXX XXXX XXXX, XXXX XXXX, California and currently the value is approximately {$900000.00}. There is no mortgage and my sister, XXXX XXXX, is a co-owner. She and her family currently live in the property. It is our hope that we may also use this property and of XXXX for a reverse mortgage Most important to this request is a postponement of the XXXX XXXX, XXXX, trustee 's sale date. We are hopeful that Wells Fargo will assist us with the reverse mortgage and allow us to keep our XXXX home. Thank you for any help and consideration you may give us. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HireRight, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll-free telephone no. : XXXX Toll-free fax no. : XXXX E-mail : XXXX XXXX Submitted false information on my background check report to my former employer without providing me a copy of the report despite my notifying them of the false information on the report they submitted to my former employer which resulted in my forced resignation from the job! 

case number is XXXX
Product: Mortgage

XXXX. I emailed Select Portfolio Servicing on XX/XX/2023 via email to supply the requested probate documents : official State of Utah probate document ( Letters of Administration which is what the State of Utah issues to the biological heirs in intestate cases ) ; my father 's death certificate. 

XXXX. On XX/XX/2023, I received a letter from SPS stating that they will not accept the official probate document I received from the State of Utah due to " applicable law '' which they failed to quote specifically. 

Since my father left an unsigned will on his computer, Utah State Law 75-2-503 " Writings Intended as Wills '' stipulates that : " Although a document or writing added upon a document was not executed in compliance with Section XXXX, the document or writing is treated as if it had been executed in compliance with that section if the proponent of the document or writing establishes by clear and convincing evidence that the decedent intended the document or writing to constitute : ( XXXX ) the decedent 's will ; " I informed SPS of this state law on XX/XX/2023, as well as provided them a copy of the unsigned will, death certificate, my father 's birth certificate, my birth certificate. I am the sole biological heir, and my father bequeathed his entire estate to me as written in his unsigned will.
Product: Mortgage

We asked for a Forbearance for 3 months due to XXXX and other health issues that have happened in the household, from XXXX thur XX/XX/2023, but we was made to make XXXX XXXX XXXX added to it ... Now we recieved notice that {$3400.00} must be paid by XX/XX/2023 to avoid foreclosure ... before XXXX and other health issues we paid on time w/extra {$100.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX XXXX account # XXXX is not been reported with XXXX and Equifax as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with XXXX and Equifax and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of XXXX days that needs to be remove as this credit trade line was reaffirmed in XXXX XXXX on XX/XX/XXXX Bankruptcy XXXXr XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, XXXX  XXXX XXXX. 
I am respectfully Retired and XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Collection agency Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, NJ XXXX Account name XXXX XXXX  Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Product: Student loan

MOHELA initiated charging me {$640.00} per month for loan payments in XX/XX/XXXX when student loan payment pause ended. However, prior to payments pausing I was only paying {$110.00} per month to XXXX servicer and I have not been required to re-certify my income since the pause was started in XXXX. As of XX/XX/XXXX At XXXX I spoke with call center representative XXXX who reported that Im currently on an XXXX plan, paying {$640.00} per month and dont need to renew income until XX/XX/XXXX. XXXX and her supervisor reviewed my file and stated that there is no reported income shown that MOHELA is basing my repayment off of. Call center supervisor confirmed they could not provide justification for how my payment amount was calculated and MOHELA is declined to provide me with a refund for the overcharges. I am owed over {$4200.00} already, increasing monthly.
Product: Debt collection

SYNERPRISE is claiming that I owe them {$96.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

on XX/XX/2021 booked a rental car on XXXX to pick up at XXXX XXXX XXXX at a company called XXXX, the booking was for XXXX. my flight from XXXX XXXX to XXXX landed at XXXX on XX/XX/2021, I tried to contact this company on my phone and I was always getting a machine or automatic voicemails I was unable to communicate. I tried multiple times and they never picked up the phone. they sent me a text message around XXXX saying that I was a no show that I have to rebook with XXXX when I checked the same company was not available so I ended up using a known company called XXXX which I booked and picked up the car after loosing a a couple hours at the airport. A few days later I noticed that XXXX charge me {$270.00} so I disputed the charge with Capital one and they credited me for the amount but in XXXX they charged me back as XXXX supposedly provided screenshots and evidence that they did all correctly. I resent all my info to Capital one to appeal the case providing new evidence with dates and time and capital one said the case is closed they can't help me because XXXX closed the case and they can not do anything else. 

I will be providing some screenshots with my phone call records of my phone company with all the calls attempts...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported.

I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021
Product: Checking or savings account

I want to complain about CIT Bank. They offered great saving account interest rates. When I tried to open the account on XXXX XXXX XXXX and XX/XX/23. It took all my personall unformation, ( including SS # and mothers Maid name ) then gave me a message that they " regret to inform me, we have elected to not open a bank account for you at this time ''. They gave me no explanation. I called to open an account on the phone and they told me that they have algorithims ( that he is not familar with ) that screen application. 

I gave my personal information and got no assorances that this information is being held confidentially. I think its wrong what this bank is doing. Asking for personnal infomration taking it and then when all is said and done not even saying that my information will be held confidentially. Also I should not why I am not being allowed to open an account.
Product: Student loan

*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Student loan

Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Its extremely frustrating to find unauthorized inquiries on my credit report. I noticed them during my routine check, and its confusing since theres no reason for them to be there. I even refreshed the page thinking it was a glitch, but the issue persisted. Im asking that my documents be properly reviewed so this problem can be fully resolved and I wont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Product: Mortgage

I originated a loan with Suntrust Mortgage XX/XX/2005. I have been paying my mortgage consistently since XX/XX/2005. However, of my payments are not being recorded effecting both my credit rating and interest rates. Although, I am able to provide receipts from Suntrust of paid payment, the payments are not reflecting on my statements.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XX/XX/XXXXbecause in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support XX/XX/XXXX. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with XX/XX/XXXXI cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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