23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the pandemic we were forced to shut down our small family owned business which resulted in us taking a forbearance on our mortgage on our house. Prior to that we were in good standing on our loan and always paid on time. After the forbearance period we were told we qualified for a modification of our loan which we began in XX/XX/2021. We have uploaded requested documents XXXX times to their portal plus had documents sent from our accountant 's office and physically sent the documents in XXXX  times. 

Now in mitigation meetings we had additional requirements of XXXX more document requests, all of which were duplicates to try to satisfy the underwriter. Along with this we have made more than XXXX calls that we placed to First Horizon asking the status of our modification only to be told it was " in process. '' First Horizon has been unorganized, unhelpful, difficult to work with staff who answered phones didn't know what the hold up was, and were constantly asking for the same information, saying information wasn't available when it was clearly there on their portal, and have drug this out for the past XXXX  months. During this time, we have accrued over XXXX dollars owed to First Horizon for past due mortgage payments including interest, property taxes, and insurance. 


XXXX ) They told us we qualified in writing that we qualified for a modification which is why we filled out the packet. XXXX ) If we didn't qualify why weren't we told back in XX/XX/2021. XXXX ) We kept getting asked for more documentation which led us to believe that we qualified and it was just a matter of needing more paperwork. Now we feel like they are trying to force us out of our home and because of them delaying us, we now can't get refinanced and the interest rates have gone up considerably since we started this process. 


Kind Regards, XXXX and XXXX XXXX
Product: Payday loan, title loan, or personal loan

I live in Arkansas and saw an ad online for a title loan from TitleMax. I applied and was approved online, then had to go to Tennessee to get the loan. I actually signed an agreement from my home in Arkansas and sent it online. I have two title pledge agreements. The first one originated XX/XX/XXXX for {$1000.00}. As of XX/XX/XXXX, {$1300.00} has been paid. The second one originated XX/XX/XXXX for {$700.00}. As of XX/XX/XXXX {$790.00} has been paid. Nothing has been paid since then. 

AR Short Term Loan Act prohibits lenders from accepting a title as collateral for a short term loan. 

Regular or online title loans are illegal in Arkansas. 

The TN Title Pledge Agreement was emailed to me in Arkansas, I Docusigned my signature and returned it. Therefore, part of the loan took place in Arkansas. 

My drivers license, license plate and title were all registered in Arkansas. They sent in to AR Dept. of Motor Vehicles to be able to be a lien holder on my vehicle. 

AR loans are capped at 17 % interest. These loans are 170.21 % APR. 

These loans are illegal and unenforceable under AR Short Term Loan Act.

TitleMax received the money I borrowed plus 35 % interest on the first one and the money I borrowed plus 14 % interest on the second one. 

I wrote to TitleMax on XX/XX/XXXX asking for my title to be released. 

I received two letters back dated XX/XX/XXXX, stating that, We will NOT release the lien or return title until your account is paid in full Transaction # XXXX dated XX/XX/XXXX {$770.00}. Then, Transaction # XXXX dated XX/XX/XXXX {$900.00}. 

A copy of my letter was returned in the envelope with their two letters and its written in red, Denied. 

Those dates are definitely not right. I have my original Title Pledge Agreements. Title Pledge Transaction # XXXX is dated XX/XX/XXXX and Title Pledge Transaction # XXXX is dated XX/XX/XXXX. Plus, the first payment on the first loan was made XX/XX/XXXX and the first payment on the second loan was made XX/XX/XXXX. 8 payments were made monthly on the first and 6 payments were made monthly on the second. On the top of each page of the Title Pledge Agreements, it has Docusign Envelope ID numbers that prove they were emailed to me when I signed them. 

I need some help to get my title please. Not only were the loans illegal in the state of Arkansas, but their records arent even dated correctly.
Product: Mortgage

As per my telephone call from the Wells Fargo Customer Assistance Group on XX/XX/XXXX ), Wells Fargo needs more time ( an additional 2 weeks ) to research my issue. Wells Fargo has not requested any financial documentation from me, so I am not sure how they can conduct their risk management research. I am a XXXX old, XXXX male who owns a $ XXXX HELOC ( with a $ XXXX balance ) with an end of draw date of XX/XX/XXXX, and maturity date of XXXX/XXXX/XXXX. The collateral is my primary residence conservatively valued at $ XXXX with a $ XXXX mortgage balance being serviced by XXXX and held by XXXX ( $ XXXX XXXX ARM mortgage originated by XXXX in XXXX ). As evidence by the 3-bureau credit reports I have provided, my financial situation has not changed. I have done my own research into this matter and I believe two ( 2 ), five ( 5 ) minute phone calls may help clarify the issue. I estimate that these answers can be obtained by the end of this week. 

Please provide a simple YES or NO to the four ( 4 ) questions, I have posed below. 

1. I believe that my HELOC may be inadvertently frozen using a computer code starting/containing BSA. Please call the Wells Fargo Accounts hold helpline at XXXX and confirm the usage of this code to identify my account with Mr. XXXX XXXX. 
2. Please contact XXXX XXXX XXXX ( Senior Executive Vice President, Chief Auditor Wells Fargo & Company ) and confirm that this code is used in Wells Fargos BSA/AML compliance program per XXXX XXXX regulatory requirements for the Customer Identification Program ( CIP ). 
3. This enabled Wells Fargo to send me 30-day written notice to force me to close all my checking, savings, and money market, and investment accounts. 
4. The actions and conditions above prevent me from working face-to-face with my local Wells Fargo branch manager to directly advocate on my behalf to find out the cause of Wells Fargos actions and determine what information is needed by Wells Fargo to quickly resolve this matter. Instead, institutional barriers have been put in place to prevent prompt and transparent communication.

The conduct I have described above could be perceived as Wells Fargo running afoul of OCC and CFPB rule making : Equal Credit Opportunity Act ( ECOA ), Fair Housing ( FH ) Act, the CFPB Fair Lending guidelines, and the OCC Interagency Guidance of Home Equity Lines of Credit Nearing Their End-of-Draw Periods ( XX/XX/XXXX ) I look forward to hearing Wells Fargos clear answers to the questions above. 

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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( Experian ) XXXX XXXX Account # XXXX. ( Experian, XXXX, XXXX ) XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, ( Experian, XXXX ) ( Experian, XXXX XXXX XXXX XXXX XXXX Account # 1 ( Experian, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX  XXXX ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act ( XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX/XXXX  Account XXXX XXXX ) has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX have 4 accounts of mine in collection which is more than 7 years old but they keep reporting it on my credit report each month when they should have been closed and removed from my credit.
Product: Credit reporting or other personal consumer reports

I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called Discover to close my credit card on XX/XX/2023. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. Two months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. My last attempt on communication was to Discover on XX/XX/2023, XXXX business days ago and Discover has not responded as they said they would. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Force to go to court and fill out a agreement for payment in fear of garnishing my paychecks.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX and I notice there's are items on my credit report that are the result of XXXX  and I can not view my Equifax credit report because Equifax is blocking my report and not allowing me to view or upload my XXXX XXXX documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple investigation requests to verify and validate this debt with XXXXXX/XX/XXXXXXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Product: Money transfer, virtual currency, or money service

In 2023 I was making and receiving Zells due to a sweet 15 I was throwing my daughter so for some things I had to make deposits when the photographer sent my deposit back a few days later Wells Fargo called me saying I was receiving unauthorized money and took money out of my account blocked myXX/XX/XXXXand I still havent gotten access back and one instance I sent my mother money she never got the bank basically said good luck it was my mistake
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. XXXX XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX  ) Account number XXXX Original creditor XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, 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 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to freeze my credit report. 
I can not freeze my credit claiming that an account already exist. 
I tried to retrieve the account. But was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from XXXX XXXX and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and XXXX and Equifax keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.
Product: Credit reporting or other personal consumer reports

Experian Equifax and TransUnion has failed to fulfill it's legal obligation under the fair credit reporting act. Leaving inaccurate or unverified accounts unresolved. Cfpb has recently filed a lawsuit against the Experian. My report still haven't been corrected. This is causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove items. Experian inaction violates federal law and my Rights as a consumer
Product: Debt collection

Portfolio Recovery has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. Lexis nexus in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and lexis nexus is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have violated my rights. 

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 an account without my written instructions.
Product: Mortgage

Up until XXXX of this year, I had been 100 % on time with my mortgage payments, sometimes paying more than what was due. I had a late payment reported ( delinquency ) to the credit bureau for my missed payment that was due on XX/XX/XXXX because of my auto payment not going through. I'm not sure what the mishap was, but to my surprise I had a late fee of {$38.00} and a balance due of {$3300.00} when I opened my online account on XXXX. Be mindful of the fact that I never received any communication from my mortgage company ( no email, no phone call, no text ) regarding this late payment for which I was already reported. I did receive a paper notice in the mail but it was already too late. AS SOON as I saw I had a balance due I paid it in full on XX/XX/XXXX, for the late month payment ( XXXX ) and current month payment ( XXXX ) and a late fee. After paying, I called my mortgage company and got nowhere with my auto pay issue or my request for them to rescind the delinquency report. Today, I have confirmed my auto pay is working and am up to date with payments, but this mishap has costed me a great deal in credit worthiness as my score has been above XXXX for several years and dropped by XXXX points for ONE late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 wrong doing. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX  XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX FIN XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As absurd as it is Experian once again closing 1 complaint while working on another, THERE THE SAME ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number # XXXX with collect agency : XXXX XXXX XXXX states a total balance of {$470.00}. I have attempted to dispute the account with the collections agency, but they have refused to honor my dispute. In addition, I have also attempted to dispute the account with TransUnion, but unfortunately, there has been no resolution. I believe that there is inaccurate or incomplete information on this account, and I have exercised my right under the Fair Credit Reporting Act ( FCRA ) to dispute the account. 

As you may be aware, the FCRA provides that 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 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. Therefore, I kindly request that you investigate this matter and ensure that the collection agency provides accurate and verifiable information. I believe that this information has not been provided, and as such, I request that you take the necessary action to have the item of information removed from my credit report.