23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello my name is XXXX XXXX, I 'm working with XXXX XXXX XXXX ( XXXX ). I have or had a case # XXXX. My wife, XXXX, and myself have been working with Wells Fargo, they foreclosed on our home back in XXXX, while under modification. We won the right to resend, you will see this in the case # XXXX. I NEVER received a letter to when the payments where due, my lawyer however received paperwork to complete the title of the home, and such. I did however receive a letter stating we were under the process of getting the home back, the letter was dated XXXX/XXXX/16, the letter was mailed on XXXX/XXXX/16. On my original loan, my due date was the XXXX of each month becoming late on the XXXX. I had to call Wells Fargo, last week, XXXX/XXXX/16 in a fear of late payments. In which I made XXXX for XXXX, with XXXX XXXX. Then just Friday of last week XXXX/XXXX/16 I got a call from XXXX XXXX, @ XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, and was informed I was behind a payment for XXXX. When I spoke with XXXX, I was informed I should NOT be making payments because I would receive a new loan number, and that all my payments could end up in limbo. Again, I called Wells Fargo and this time spoke with a lady, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, who told me I should ASSUME my payments were due back in XXXX, with no letter stating anything was due.. I 'm being told so much different information I am again at a loss, and fear of losing my home. I need help, and I need so resolution to this matter. I have met every demand of Wells Fargo, with the help of XXXX XXXX. I have a wife who has become so ill over this matter, and XXXX young sons who deserve my time, and their home to be safe. Please contact me, XXXX XXXX ) XXXX XXXXXXXXXXXX, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I am attaching the very last letter I received from Wells Fargo ... I 'm asking for help, my family is asking for help, in keeping our family home. This has been two years trying to find closure and peace. I will mail a copy of the last letter we received. 
Thank you XXXX XXXX
Product: Student loan

Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. 

In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. 

In XXXX, we received a default notice from XXXX, a collector for ACS.  This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. 

Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. 

I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. 

Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. 

Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. 

We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. 

This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.
Product: Debt collection

I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX to pay off the balances of XXXX XXXX XXXX XXXX and XXXX card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.
Product: Debt collection

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 

Immediate deletion of account and {$1000.00} per violation of the FCRA MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$890.00}
Product: Checking or savings account

Citi keeps delaying resolution. First 5 days, now 15. They lure new customers with promise of bonus. They have taken my money hostage, closed my checking after 3 months rather than 12 without asking, sent letter that insisted I deposit more money in my savings, did because thought related to bonus. Another agent said I really didnt have to add more money go figure. Turns out it gives me premier account with relationship manager which I never asked for. They say bank tried to deposit in my checking in XXXX but closed so transaction failed. Why did they close and why didn't they put in savings? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All I want is my bonus cash as they promised. Should really be > {$750.00} since they made me deposit more. I feel scammed. [ Furthermore, my sister is also dealing with this same issue and waiting for her bonus. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Product: Credit reporting or other personal consumer reports

This is my several 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 XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, my credit was pulled without my consent, while I've already had my credit line with them for over a year. This caused a hard inquiry which dropped my score. I called the company ( XXXX ) and gave me a runaround, ultimately advising me to call the bureau to dispute it.
Product: Credit reporting or other personal consumer reports

I opened this card in XX/XX/2020- which right after this card was opened, we had a world pandemic. This card reported lates on my credit report when it should not have - the entire world shut down due to COVID, I was unable to work and XXXX XXXX XXXX knew that and with the government assistance not coming through fast enough and unemployment was impossible to get, there were some lates that happened that were out of my control. XXXX XXXX reported a 30, 60 and 90 day lates on this card until they closed the account and placed it into collections. it is now a " charge off account '' and I can't even pay off the debt. 
None of this should have happened in the first place, these lates were out of my control due to the pandemic.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX  business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and notice that after thorough investigation, XXXX  removed the negative item that XXXX XXXX reported but Trans Union and XXXX  report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all 3 Credit Bureaus.
Product: Mortgage

XX/XX/XXXX - partner - spouse passed away XX/XX/XXXX - my home -successor and also continued with payments with Quicken Loan now Rocket est XX/XX/XXXX started questions to loan mortgage rate and to refinance est XX/XX/XXXX started process to re-finance - Rocket/Quicken mortgage person stated that my correct re-finance would be adjusted since he kept give me the amount of {$180000.00}. 
From XX/XX/XXXX to XX/XX/XXXX I continued making payments on loan - principal Balance was {$170000.00} XX/XX/XXXX est I was approved for the loan - it stated {$180000.00} again and I told the person the amount did not seem correct and needed adjusted. 
est XXXX through XXXX I Informed Rocket that my re-finance loan amount was incorrect. The whole process was unbelievable -as they kept asking for more and more information and I complied. I found out that the wrong departments got my information. The title company person helped me and realized what Rocket personnel had done. I was going to seek another lender. 
est XX/XX/XXXX- I asked to have exact figures on how the loan was {$180000.00} - got switched around to 3 or 4 different departments I understand that I have a closing cost and then was told that I would get refund for {$2000.00} or so Rocket Mortgage initial marketing person has not assisted me or provided me with what I am requesting. I maintain that Rocket has not taken into consideration the payments I made when calculating my refinancing. 
I am asking for your assistance and any or all corrections that need to be made. 
This is a form of financial discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX//2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$49000.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX  a third party transferring service does not allow me to link my account from PNC to cash app. It shows a screen that says my account has prevents me from being able to link accounts and I could file a complaint with you cfpb
Product: Credit card

Recently I became aware of a credit card account from TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX. When I reached out to the creditor, they were unable to tell me anything about this account other than it was under my SSN. All the other information does not match mine. Like address phone number I.E. I have disputed this with the credit agencies as fraud and sent in supporting documents, It was removed and flagged as fraud by the credit agencies, but this TD BANK sent back something saying this account was certified as mine and that it was to be put back on my reports. I have tried working with TD BANK but begin none of my info other than SSN matches up I'm kind of limited on what I can do. I was the victim of ID theft over the course of the last several years. And am just catching fraud accounts. From several years ago. I am a XXXX veteran and am fighting to recover from past ID THEFT. I DO NOT HAVE A CCOUNT NUMBER BECAUSE I NEVER HAD THIS ACCOUNT. ALL I CAN GIVE IS MY SSN # WHICH A COPY OF MY SSN IS ATTACHED IN THE DOCUMENTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as TransUnion and XXXX are reporting late in months XXXX 2023 and XXXX 2023 and XXXX is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, and XXXX requesting that a Chapter XXXX Bankruptcy on my report be verified and provide proof of verification and if it couldn't be verified I requested the information be deleted from my credit file. Both Equifax and XXXX claim the information was verified by a third party XXXX XXXX. Under the FCRA this information is not to be verified by a third party, the bankruptcy court should be the furnisher of the information. I have contacted the bankruptcy courthouse and they indicated that they dont provide verification information to third parties. So I dont believe Equifax and XXXX properly/legally verified the information as they claim to have.
Product: Student loan

I have been making payments toward loans that I believe qualify for the public service loan forgiveness program since 2011 through the income-based repayment plan. My loans were recently moved to fedloan servicing ( https : //myfedloan.org/ ) last year after I submitted verification of employment at not-for-profit hospitals since 2011. I have been waiting 13 months for fedloan servicing to count the number of payments that qualify for the 120 payment requirements of the PSLF program. Every time I call to discuss a time-frame on how long this will take, they keep giving me the same answer " we don't know. '' This is completely unacceptable.

If fewer than expected number of payments qualify, then I need to consider refinancing ( current interest rate is 6.75 % on a >300,000 ) and every month that passes that does not result in a count I can make an educated decision based on is another month of astronomical interest added.

I dont think this is unreasonable to ask this to be fixed.
Product: Credit reporting or other personal consumer reports

Duplicated student loan/accounts reported by mohela. 

Accounts were reported/opened on XX/XX/XXXXXXXX  with the highest balance of {$24000.00}. XXXX monthly payment and Last reported on XX/XX/XXXX. 

The second account was also reported/opened on XX/XX/XXXXXXXX  with the balance of {$24000.00}. ( With a highest balance of {$25.00}, XXXX  last reported XX/XX/XXXXXXXX  ) Also the balance due on my student loan is reported incorrect. Last payment being made to mohela in the amount of {$270.00} on XX/XX/XXXX. 

Current/correct balance as of today XX/XX/XXXX is {$24000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX  sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXX XXXX XXXX  has requested that the major consumer reporting agencies either change XXXX XXXX XXXX  's tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXX XXXX  allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to LVNV Funding, LLC c/o Resurgent Capital Services , LP, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there two accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XX/XX/XXXX, LVNV Funding, LLC is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Product: Bank account or service

When checking my personal checking statement online i noticed a charge for over {$17000.00} and the explanation was " Business Offset '' I went into Wells Fargo local branch, and found out that it was taken as payment of a credit line for XXXX that I personally guaranteed over 10 years ago. The business is no longer mine. 
I am XXXX, have been for more the 5 years, the money was my social security, and tax refund, and my mandatory withdrawal from my XXXX fund. 
My account is frozen, and I have no access to any statements or documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to  XXXX  that my account was delinquent as of  XXXX , 2010  . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current   XXXX    credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen  were reporting the  XX/XX/XXXX    delinquency 's correctly to  XXXX  and  XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with  XXXX . They have refused to do so.  XXXX  defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.  <P/> I have attached a copy of my mortgage Statement dated  XXXX  , 2010 that  shows my payment due date is  XXXX   XXXX ,  2010 w hich also sho ws 2 past  due paym ents (   XXXX  &  XXXX     2010 ). S ee the bottom of page  XXXX  in the attachment for past due details. I have also included a copy of my  XXXX  report that shows Homeward Residential reported me as past due from  XXXX  thru  XXXX   2010.    XXXX  and  XXXX  has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. 
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. 

The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. 
I AM PRAYING FOR RELIEF FROM THIS SCAM. 
Along with this I am also seeking legal help has well.