23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been communicating with Wells Fargo Home Mortgage since XXXX XXXX about selling my home through short sale and then by deed in lieu in order to avoid foreclosure. I was asked to send multiple copies of the same documents several times, with Wells Fargo staff saying that they did not receive the documents or that I needed to send new documents in order for the process to proceed. I complied with all of their requests, but in the end, Wells Fargo first said I qualified for a short sale, then changed their minds and told me I did not qualify for a short sale. There were multiple offers on my home during the process and Wells Fargo rejected all of them. Now, I am supposed to be in the " deed in lieu '' process. Wells Fargo staff informed me that the title of my home was not clear, thus stopping the process until the title was cleared. I purchased the home 10 years ago and the title was clear. There are no liens on my home. I am still waiting for answers to the deed in lieu process and would still like to sell my home through the short sale process. It seems Wells Fargo is putting up roadblocks to this sale at every angle. Even when complying with their requests, something else always seems to come up to stall the process. I would like to find a solution to this process. Wells Fargo business practices are shady at best. This is unfair and damaging to consumers who do business with Wells Fargo in good faith.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX # XXXX XXXX  XX/XX/year> TU -- -- - UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Invalid debt from XXXX being collected by AR Resources and reporting to XXXX and XXXX credit bureaus. I filed Chapter XXXX Bankruptcy which was subsequently discharged in XXXX, file attached. All unsnecured debt acquired prior was discharged. Debt being collected predates the bankruptcy filing. I communicated with XXXX regarding this error via their secure portal in XXXX and XXXX. Large portion of this debt was acruded prior to filing date and therefore was discharged. I provided XXXX and AR Resources bankruptcy discharge documentation, explained in writing, neither has responded after 90 days and I am in turn prevented from taking action towards purchasing a home. I spoke to AR Resources on the phone re : bankruptcy discharge, no progress made. Debt reporting is not accurate. US Bankruptcy law is binding. AR Resources has not responded to four rounds of communication and needs to cease reporting to the credit bureaus immediately as their tactics are personally and financially injurious, in addition to being a HIPAA violation, which I also informed both entitites of, no response.
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. XXXX XXXX XXXX and 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 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: Credit reporting or other personal consumer reports

I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XXXX & XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send XXXX.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX XX/XX/XXXX XXXX has had more XXXX XXXX XXXX XX/XX/XXXXto send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )
Product: Vehicle loan or lease

I feel like the payment is too high and I'm getting overcharge for interest. The interest is over 20 % which I don't know if that's even legal in Arkansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In XX/XX/XXXX, I was notified that there was an account on my credit report from a loan taken out back in XX/XX/XXXX. When I reached out to the credit collections, they informed me the loan was with XXXX XXXX XXXX XXXX and that I could reach out to them as they was asking for repayment. I was able to get in touch with XXXX XXXX XXXX XXXX and they stated the loan was mine and I would have to work with the agency. I reached out to the agency and was told I could file a police report and submit to Equifax. When I went to the police station back in XXXX, I was told that I needed the account number but XXXX XXXX would not provide this information to me. XXXX XXXX kept referring me back to the collection agency. I ended up writing a letter to all XXXX credit bureaus regarding the situation and XXXX XXXX updated my credit report, taking the collection debt off. Equifax, however did not and stated that this account was mine. We are now in XX/XX/XXXX and this is still on my account. My credit score is great and I am looking to resolve this matter and get this account removed. I have attached my current credit reports as of XX/XX/XXXX to show the negative account on my credit and highlight my XXXX and XXXX account as it has been removed. To prevent this issue from happening again, I have locked my account so now all open accounts under my name have to be verified.
Product: Mortgage

I received a letter and application allowing me to discount my mortgage and loan rate without any refinance implications. 

I promptly completed the letter and sent it back assuming my rate would be reduced. 

I have just noticed that for over a year they have not applied to agreed upon discount and have failed to respond to my requests for correction or direct me to the right place. 

It's been hours of being on phone calls and being moved around department.s
Product: Bank account or service

I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check.
Product: Checking or savings account

I had a couple of transactions I didn't make I told her not to deactivate my card as this is my only income but she shut it off any way without my consent I did get my money back but there has to be a better way to do this now I have to wait two weeks and I can't go visit my dead dad tomorrow because I have no money besides what is on my card and no way to get it out I have XXXX kids and last card I got too almost 3 weeks I can't wait that long some thing needs to be done I'm pissed off
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXXXXXX XXXX  signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that XXXX XXXX had attempted to contact me, which is inaccurate. I received one call from a XXXX XXXX employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a life alert scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.
Product: Credit reporting

Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report.
Product: Checking or savings account

Cash app has double charged my account twice. On XX/XX/XXXX Total charged was {$240.00} which is double the amount of {$120.00} that was the actual amount spent and on XX/XX/XXXX I was charged {$280.00} and the actual amount of the order was {$140.00} so that is double as well. I have tried multiple times to get the money that was overcharged and have not gotten anywhere. I have my statement downloaded and receipts for purchases that reflect the over charge I've provided this all to cash app and they refuse to refund the money they have taken.
Product: Credit card or prepaid card

About a year ago I opened a credit card with Mattress firm/ Synchrony Bank and signed up because they offered no interest for four years and a low payment of {$48.00} a month. I paid more than the minimum several times and did fall behind due to car issues that took priory. 

Last month they closed my account on my credit which hurt my credit and per my credit I was always on time with Synchrony and paying down the balance to show I had more credit available. I did not know they closed it till I received a credit alert from XXXX   that my credit had changed. I contacted Synchrony and at first they could not tell me but after I expressed my frustration they were able to " find the letter they sent me '' and it stated due to my credit they decided to close my account, even though I was never late according to my credit report. It is in their contract that they will monitor your credit and have the ability to close the account if they wish. If i would have known they were monitoring my credit when I signed up, I would have never accepted the terms. 

Currently I owe them for my XXXX payment and they continue to call me 5-6 times a day, sometimes leaving multiple voicemails. I intend to pay next week with my pay check and let them know they are to stop calling me. But I feel it is a form of harassment and deceptive practices. 

They are quick to grant you the fiance then are quick to close it which does nothing but hurt the consumer. I will never sign up with a Synchony bank provider and it is sad because there are a lot of companies who use this provider to service their finance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the report of a XXXX XXXX XXXX XXXX cancellation account that appears on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies receive a inquiry of my report without my knowlege and also it is companies that i do not approve of inquiring of my credit score below XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Money transfers

The Bank XXXX XXXX New York XXXX was involved in a fraud crime against me. It did not hold my money against money transfer. These transfers were done under duress as I was not in my right mind and afraid of something happening to me or my daughter. I will provide a paper file with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld systems is reporting an account on my credit. XXXX XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax 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 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 or 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 data is inaccurate.
Product: Debt collection

I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.