23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In trying to pay my mortgage off as early as possible, I paid extra payments over several years. When I paid these I checked a box called " make a payment '' What i did not realized is that I should have checked " principal '' When I asked Wells Fargo to convert theses payments to principal, they refused. So in essence, they are wrongly keeping about {$16000.00} of my funds and taking it as interest revenue while this was not earned by them. This should be illegal and they should be forced to record my payments on a first in basis applying them to interest only when interest is due.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

After finding out that I was given wrong information that I dont qualify for student loan forgiveness and could have qualified for student loan forgiveness I requested to consolidate my loan into direct loans By contacting nelnet today at XXXX at XXXX XXXX mountain standard time. The representative stated that I should have consolidated by XX/XX/XXXX in order to be accepted. I stated I was given wrong information by a nelnet representative when I had called as I had asked if I can qualify for student loan forgiveness. Rep asked what day was this I said I dont recall what day and they stated they can look it up to listen but will have to transfer me to a manager as rep stated there is no notes stating rep on XX/XX/XXXX said that. I requested that she pull the recording and transfer me to a manager. 



I was transferred to another representative by the name XXXX XXXX XXXX stated he is an account XXXX he said he listed to a call on XX/XX/2022 at XXXX where the rep did say I do not qualify however there is nothing they can do about it now he stated he will submit the complaint but I should have consolidated my loan into direct loans by the deadline.
Product: Mortgage

XX/XX/XXXX Applied for assistance to XXXX  XXXX XX/XX/XXXX XXXX electronically requested documents to bring the loan up to date XX/XX/XXXX I Called Freedom Mortgage to request an update on the status of the documents requested. The response was that there was no record of such a request and that the department had documented any interaction with XXXX  XXXX XX/XX/XXXX I Called XXXX  XXXX requesting an update on the application, and they stated they still had not received any communication from FM. 
XX/XX/XXXX I Called XXXX  and spoke to supervisor XXXX, who confirmed that XXXX  department that handles communication with XXXX  XXXX had no record of action from that department nor any pending actions. I reiterated that XXXX  XXXX has electronically requested documents to help bring my load current on XX/XX/XXXX. He stated there was no record of any pending actions and that he would email that department and place a XXXX hold on my foreclosure. He recommended I call back after the holidays and that someone would reach out to me via phone with further information. I confirmed my application #, and the best way to reach me. I had a HUD XXXX XXXX XXXX with me on the phone for both calls on XX/XX/XXXX. 
XX/XX/XXXX I Followed up with a call to XXXX at XXXX  XXXX and asked for an updated and if there had been any communication between XXXX  and the program. They stated they had not received any information. They also confirmed that an initial request for documents was sent on XXXX, and a request for escalation was submitted on XX/XX/XXXX. 
XX/XX/XXXX I called XXXX  with a requested update. The agent stated that no pending actions or communication from the department had been conducted since XX/XX/XXXX and that no communication was responded to either XXXX  XXXX or XXXX, the supervisor who had sent an email on XX/XX/XXXX. I was told XXXX as on not available/at the office. 
XX/XX/XXXX I Called the HUD XXXX ( XXXX XXXX XXXX ) and explained the frustration of my situation and the history of calls with XXXX. We both called XXXX  and spoke to rep XXXX, and she confirmed the history of calls on the dates above, communication, and email request. She also confirmed the internal correspondence conducted by supervisor XXXX to the team in charge of communicating with XXXX  XXXX. She also confirmed there were no pending actions or communication with XXXX  XXXX. She submitted a reinstatement letter and stated that I should send prof that XXXX  XXXX is awaiting XXXX  response. HUD XXXX recapped the conversation. However, we did not get any answers clarified as to why XXXX  has not responded to XXXX  XXXX in over 60 days ; it has affected my credit and employment and created an unnecessary burden on an account that could have been resolved already. My home is currently in active foreclosure. As you can see, I have tried over XXXX times to advocate for myself and help my loan come current ; this mishandling of coordination on Freedom Mortage is unacceptable, and its leadership should be accountable. Please see the document in file for pictures and proof of account status.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts showing on my credit report from LVNV. I never signed an agreement with this company and have no idea why they are reporting on my account. They have no authority to report to my credit report without authorization. According to FCRA section 605B it is illegal to report anything on my credit report without my permission. I have no knowledge of this creditor. Please remove this negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.
Product: Debt collection

XXXX I disputed and requested a copy of my bill with my signature they could not comply. They sent me a bill no signature page. Then they refused my dispute. I did not take out this loan. {$1000.00} is the amount. The debt has now been sold to National Credit Adjust as of XX/XX/XXXX. 

I was a victim of XXXX, XXXX, XXXX XXXX, and XXXX data breach. Im not sure which one is responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance has been reporting an account from the past as a current account. They are increasing my balance to this date every month for a vehicle I no longer have. The vehicle is at XXXX XXXX in XXXX PA XXXX. There is the phone number to validate this. The shop owner told me I can't have the vehicle because it belongs to credit acceptance. But credit acceptance is not releasing the vehicle to me!! This has been going on for years.. so here I am stuck with no vehicle. That I keep being charged for. This is illegal. If I am being charged I should have the truck!! But I can't get the truck. So which is it here. Give me the truck back if I still have an open account. They can't do both!! This is fraud. They have been found guilty years ago if fraudulent charges. Please help me here. I am also putting a picture of my report to show you my balance is being increased monthly for a vehicle that I don't have anymore that credit acceptance says I have. just call the shop yourself. They will verify all I have said in this letter. These people are crooks. This account should either be closed an placed as a charge off for a repossession or the vehicle should be returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 XXXX XXXX XXXX 4 ACCOUNTS FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND XXXX I WAS UNABLE TO GET EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I AM NOT REQUESTING VALIDATION FROM THE FURNISHER OF THIS INFORMATION. I AM THE ONLY PERSON WHO CAN VALIDATE ANYTHING ON MY CONSUMER REPORT AND CONGRESS STATES MY CREDIT REPORT SHOULD BE EQUITABLE TO ME. After reviewing a copy of my consumer report I noticed late payments posted on my consumer report : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERY TIME I SUBMIT A COMPLAINT WITH THE CFPB THE ONLY RESPONSE I GET FROM THE CRA IS ... ... .. 
( Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  THIS IS NOT A PROPER RESPONSE PLEASE DO A PROPER INVESTIGATION IN DISPUTED ITEMS ON REPORT.
Product: Checking or savings account

I'm trying to access my banking information through a stock trading company, XXXX. PNC has made a change that prevents me from linking accounts with XXXX.
Product: Mortgage

We are writing to file a complaint against Wells Fargo Home Mortgage company regarding the loss of an offer on our home which is currently on the market as a short sale. 
On XXXX XXXX, 2015 our real estate agent along with our attorney filed an offer with Wells Fargo on our property XXXX XXXX XXXX XXXX. XXXX, CT XXXX. 
After going through the required procedures on XXXX XXXX Wells Fargo notified our Attorney stating that the given offer did not meet there minimum requirements of {$240000.00} ( please see attached letter stating such. ) the offer submitted was for {$270000.00} ( see attached offer ) after all the fee 's, the offer exceeded their expectations by {$510.00}. Our Attorney at least once a week contacted Wells Fargo to get some clarification on this with no success, nobody could give us an answer. 
Prior to receiving this letter the buyers where on the verge of backing out but decided to wait it out since the bank was clearing receiving above and beyond their requirements, we were thinking/hoping it was just a misunderstanding and that we could move forward and accept this offer. 
On XXXX XXXX ( 2 months later ) our attorney called yet again to try and get an answer, this is where we found out that ( Wells Fargo ) XXXX in the liquidations Dept. stated that as of XXXX XXXX the system showed that the file was removed from the short sale review and no reason was listed, our attorney than left messages with a XXXX XXXX ( preservation specialist assigned to our case ) and XXXX XXXX ( XXXX 's supervisor ) and received no response. On XXXX XXXX they were able to speak to a XXXX who stated that our account became active in the short sale review on XXXX/XXXX/15 and gave our attorney a list of requested documents needed. 
Wells Fargo CLOSED the original short sale request after 6 months with NO notification and NO reason and then REOPENED it! at which point we were required to start all over from the beginning!! Needless to say the potential buyers backed out because of the banks negligence. 
We are truly disgusted and appalled that a business can be run this way, As of today, XXXX XXXX, another offer ( see attached ) has been submitted for a little bit more than the first offer, which means the requirements are again EXCEEDING the banks exceptions by even more, I received notification from our real estate agent yesterday that the people are getting impatient and may pull their offer soon unless we can get Wells Fargo to accept this offer. I truly hope they do not cause us to lose another sale. 
This has put such a financial burden on our family that we are requesting as a resolution, that Wells Fargo approves and accepts this offer as is and forgiving any adjustments and outstanding balances on this property. ASAP As of today, XXXX XXXX the property has been seized and locks have been changed, Wells Fargo states they do not have any record of this happening, we tried to get someone in the house to have it winterized and are unable to do so, now we are afraid that damage may occur and the current offer on the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; SXXXX XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Owed : {$6200.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit report with Equifax, That Equifax knowingly placed on my credit reports even after being sent a signed law enforcement Identity Theft Affidavit clearly explaining the crime, and clearly showing the unauthorized accounts. These accounts include a Line of Credit from XXXX XXXX, an Auto Loan from XXXX XXXX both of which the company was notified that I am a victim of Identity theft and that I did not authorize this account to be opened in my name when my wallet was stolen it contained my social security card, my email addresses and my additionally contained my Drivers License. I never received any cards or account information from these accounts, Therefore I did not authorize these I never signed any cards and the accounts were opened at an address I haven't ever lived at. In addition to these two accounts, Equifax allowed for XXXX XXXX to place two UNAUTHORIZED FRAUDULENT Credit cards on my credit report, and XXXX XXXX XXXX credit card on my credit report. They have been notified these are contained on the Identity Theft Affidavit that Equifax was sent and I will re attach here once again. These accounts not only show the incorrect credit limit but each of these instituions were notified that I am a victim of Identity theft.
Product: Debt collection

I recently discovered an alleged judgement filed against me from The Law Office of Macdowell and Associates on behalf of XXXX XXXX XXXX XXXX. This is very frustrating and concerning because according to the law office they sued me in XX/XX/2011. 
I have never ever been served with legal paperwork or notified about this legal matter. They are now more than doubling the alleged debt and attempting to collect {$25000.00} from me for a vehicle I never even had. This vehicle was my brothers truck whom I lost communication with years ago. I can help them find the truck if they wish or if they would have reached out to me, but to file a lawsuit against me and not even notify me is extremely abusive and seems like an attempt to inflate the debt. 
I contacted both XXXX XXXX XXXX and the Law Office of MacDowell to try to get a reasonable explanation as to why I was never personally served. I was met with an extremely disrespectful debt collector who belittled me and attempted to insult me for having such a large debt. Well I certainly would not have a large debt if they didnt sue me in secrecy and allow it to accrue interest for 8 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with XXXX XXXX 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that TransUnion has made the mistake and they need to fix it on their end. I spoke with TransUnion and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX  report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my XXXX and XXXX reports as well and have had no response.
Product: Debt collection

XXXX XXXX Has reached out to me claiming that I owed them {$2600.00} I was incarcerated when this bill was created I have never had any medical assistance at this physician office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I hope you can help! I have submitted a compliant on XXXX  with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from my credit report.
Product: Mortgage

VIOLATION OF XXXX  ( SECTION B FEES ON XXXX THAT HAVE ZERO TOLERANCE ) PRICE GOUGING FRAUD COLLUSION