23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been working with Wells Fargo for months trying to get a Deed in Lieu of foreclosure recorded with the County of XXXX. The Deed in Lieu was approved in XXXX 2015. As of this date, XXXX XXXX it has not been recorded with the county. When we contacted Wells Fargo in XXXX, they admitted that the Deed in Lieu had not been recorded and it was their fault. They said a Re-executed Grant Deed would be recorded on XXXX XXXX, 2015. That has not happened. When I spoke with the County, they said that they record things as soon as they get them. It is instantaneous. I have had several follow-up calls to Well Fargo in XXXX, and they can not tell me what is going on. They will not provide the name of the attorney who supposedly re-excuted the Grant Deed. Meanwhile, since the house is still in our name we have to keep paying the $ XXXX county utility bills every two months. If we stop paying, they can place a lien on our current home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

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  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/year> I have been notified by XXXX that one of my cards have been mark delinquent which is the Apple Card by Goldman Sach Bank USA... I have been personally dealing some rainy season within my business and had to resort with using my personal to cover some personal and business expenses... 

I had full confidence that I had all my credit card on auto pay especially the apple card. However there was no email I have received from the bank I can recall to remind me to even pay my card at all. 

I them immediately contacted Apple support to resolve this issue after I have noticed this issue on the same day XXXX XXXX Since it's my first time being notified this delinquency on my credit cards and have been a on time payer since ever being a credit card user I was not too aware on how delinquency works. 

I have asked the Goldman Sach/Apple representative about this issue and at first they didn't even say anything they have mentioned to me they we're not sure why I was calling even though I recieved a voicemessage from Apple from XX/XX/XXXX as well telling me to call them back Then after I mentioned that I have received the delinquent report I have received then the representative finally figure it out I asked her then if it will affect my credit score, she then replied " no, you have made payment now so you should be fine '' Then a month later I found out that my credit score took a hit and has been reduced to XXXX even though I have been an on time payer since ever being a customer.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now rescinding that authorization via 15 US code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything reported on my credit report. Starting XX/XX/2024 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30 days of this CFPB complaint. Failure to comply with this request may result in further action being taken to protect my consumer rights under federal law. Thank you.
Product: Credit card or prepaid card

I applied for XXXX credit card and have tried to close it since the beginning of XXXX. I kept receiving a message stating that until all my loans have been paid, I could not close it. I paid the last loan off on XX/XX/23. The card has still not been closed. I discovered that my account was adjusted XXXX from XXXX of the loans when I did a return. The account should have been adjusted once in the amount of {$41.00}, but I saw that I was adjusted twice for {$41.00} and another {$41.00}. I brought this to their attention, but they have not resolved my issue after XXXX months. I want the account closed, but they do not know how to resolve it.
Product: Debt collection

I have no contractual or business relationship with your company and do not recognize the debt you claim I owe. Furthermore, the dollar amount you are claiming appears inaccurate, and I require clarification as I have no record of such an obligation.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request validation of this debt and a detailed itemization of all fees, charges, and amounts that constitute the stated total. Specifically, please provide : 1. Proof that I have a contract or agreement with your agency or the original creditor.

2. A copy of the original contract with the original creditor that identifies my liability.

3. A detailed breakdown of the debt, including any interest, fees, and other charges added to the original amount.

4. Proof of your authority to collect this debt, such as documentation of assignment or sale of the debt to your agency.

Until you provide the requested validation and breakdown, I ask that you cease all collection activities related to this account, including reporting to credit bureaus, and refrain from contacting me, except to provide this information. 

Please confirm in writing that you have recorded receipt of this dispute letter in your system. Should you continue collection efforts without fulfilling this request, I will consider such actions harassment under the FDCPA and pursue all legal remedies available. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

LendingClub is an online consumer loan company - outrageous interest rates that they do not explain adequately in order to deceive the borrower. They focus on monthly payment amount and not the fact you will basically pay for the loan twice. Furthermore they prevent access to your online account to audit payments and have insight into their lending practices. I have not been able to get access to my account for 6 months. They insist on you having a verification code which they say they send to your email and is valid for 10 minutes. The codes finally arrive in your email 24 - 48 hours later after the code has expired. I contend this is to prevent consumers from realizing the extensive amount of interest being charged as well as making any additional payments. Attempts to complain or resolve are left unanswered. I have spent a total of 4 hours trying to get this resolved. The last time I could access my account was in XX/XX/2018. Consumer should be made aware of this practice and to be cautioned against this practice. The company does not send out electronic or paper statement affording the consumer no access to their account activity or history all in an attempt to cover up their lending practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is making illegal inquiry on my credit without my knowledge or approval they are access my credit report illegally and putting things on my report and sending fake Dept letters XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Record details Inquired on XX/XX/XXXX Hard inquiries XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ).
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NE XXXX have a private student loan ( through XXXX XXXX, now Navient ) that went into default and cosigned on a private loan that also went default. XX/XX/XXXX, I set up terms with XXXX XXXX XXXX ( XXXX ) to get off the co signed loan and make payments to mine. The agreement was to pay $ XXXX/mo for 3 years without missing a payment. I then would be taken off as a co-signer to that loan, and to discuss a buy out option on mine at the end of the term. I agreed. It was a verbal agreement via phone. Nothing was signed. I payed them {$500.00} at the time of the agreement XX/XX/XXXX, and the 1st automatic payment was at the end of that month. Then they automatically withdrew payments of {$150.00} ( from XX/XX/XXXX ) on, or around the last day of the month for the next 3 years. 
I called them XX/XX/XXXX to verify how much longer I needed to pay. They had no record of the agreement that was made. They told me I still had to keep paying, do a buy out option, or make payments upwards of $ 300/mo. But they did not say for how many years. They said only a small percentage was actually going to the loan itself, and since the payment was going towards XXXX defaulted loans ( mine and the co-signed XXXX ), only about {$4.00} of the {$150.00} was being applied to each outstanding loan balance. 
The director of finance at my job told me to ask for an amortization because they are required to give that. I asked XXXX for an amortization of the payments to see where the money was being applied but they said they could not provide me with one. I talked to XXXX XXXX ( works for XXXX ) about trying a buy out for {$2500.00}. I had {$2100.00} in savings and checking combined. I offered him that, but he refused. And he had to have all the money today or the offer was no good. 
I contacted Navient, who transferred me to their " account portfolio manager '' and I told her the situation. I told her I believed the collection agency Navient sent me over to was fraudulent. But the lady said there was nothing she could do. Of course I could hardly understand her because she was from XXXX. I asked her if I could go back to paying Navient directly. She said no. She could only tell me she was affiliated with Navient, but I was talking to a separate company. And that she was going to be assigning a different collection agency ( XXXX XXXX ). I did not agree to that but she did not change her mind. I have received XXXX letters, XXXX from XXXX XXXX and the other from XXXX XXXX offering a buy out option on the co-signed loan. 
I do not know which companies to trust. I do n't think Navient is very trustworthy either. I believe the private loan side is in cahoots with the collection agencies they 're assigning. I can not find an unbiased source to talk to for help, other than the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # : 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

Midlandcre is reporting false information. Accounts that do not belong to me and they're reporting two separate accounts with two balances under 1 account number
Product: Credit reporting or other personal consumer reports

I am a XX/XX/XXXXof XXXX data breach and XX/XX/XXXX Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Mortgage

I had a similar complaint in XXXX of XXXX. Bank of America " fixed '' their system and now the same thing is happening again. My checking account and mortgage are both with Bank of America and I also use their electronic bill pay system. Unless I pay my mortgage on the EXACT DUE DATE, their payment system processes the EXACT MORTGAGE AMOUNT as a Principal only payment. 

I have to spend a minimum of XXXX minutes, if I'm lucky, ( if not it can be an hour or better ) EVERY TIME I pay the mortgage. This is beyond frustrating and and HUGE waste of my time. Additionally, this messes up by taxes if the payments aren't correct in time AND there is absolutely no way to tell what is happening with the mortgage with them back things in and out of the system. 

THIS IS A NEW COMPLAINT, as Bank of America fixed the last issue on XX/XX/XXXX. This started to happen again in XXXX. Again, I wait until I receive the ebill and pay from their system. 

My payments for the following were processed incorrectly : Mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX was misapplied to principle and in additional the the mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX. Working in the IT field I would assume they have BUGS in their program that are causing this, but I should be compensated for them WASTING MY TIME each and every month!! It isn't like I'm paying the mortgage a month in advance. They need to FIX their mortgage payment system once and for all!!
Product: Credit card or prepaid card

Requesting the following documents from American Express : 1 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 2 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 3 ) Credit Card Statements XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX
Product: Mortgage

Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
Product: Credit reporting or other personal consumer reports

This morning, I saw inaccurate accounts on my credit report, and Im completely confused about how this happened. I always check my report regularly, but this time, there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts didnt go away. Please, Im begging you to carefully review the documents Ive submitted so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute concerning my credit card reporting it showed I still owe amounts on both my XXXX  XXXX and my XXXX  XXXX XXXX, the reported back that the amounts owe on XXXX  XXXX for XXXX was still owed and accurate and the amount of XXXX on credit was was accurate, that they had investigated there is absolutely no way they investigated either of these it makes me wonder if there is fair credit because clearly this was not investigated so it in term leaves me with a lower credit rating and higher interest, credit reporting is systemic racism that needs to be delt with and fix we are not treated equal it's just something they say
Product: Credit reporting or other personal consumer reports

On XXXX I contacted XXXX XXXX via certified mail to dispute the accuracy of the account. On XX/XX/, XXXX XXXX stated that the account was returned as unverified and they will no longer report to credit bureaus. However, I pulled my Transunion credit report and noticed it was still showing. On XX/XX/ I reached out to Transunion to request this negative unverified item to be removed but Transunion failed to honor my request when I showed proof that they were in violation of federal law.
Product: Prepaid card

Transaction declining on multiple online stores ( XXXX, XXXX, etc ) even though there are sufficient funds
Product: Debt collection

I have been receiving on several instances notice in the mails an attempt to collect a debt from : Midwest Recovery Systems, LLC XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Account Balance : {$650.00} Creditor : XXXX XXXX XXXX XXXX Original Creditor : Clear Loan Loan Date : XX/XX/2020. 

I have no knowledge of this loan. Never applied for any kind of loan. This company accessed my personal information. This colletion was added to my credit history and affected my credit score.
Product: Checking or savings account

I issued a refund of XXXX to some one and td went in my account and took out the money 3 times. this caused my account to be overdone and i was charged multiple overdraft fee. this started in XX/XX/XXXX i went back and forth with them until they fixed it in XX/XX/XXXX. I asked the to refunded the fees that was charged to my account due to the bank error and they told me that were not going to i asked them why they said they just can't.
Product: Consumer Loan

I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. My rights have been violated. 
15 U.S.C. 1681 Section 602 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I have been off work with a broken heel and got behind on my account and these people send me a letter every day.They had a guy come to my house twice now after I told them it would be current by XXXX/XXXX/2016. And i called them again and they told me it will continue until current even though we have a arrangement. They call 4-6 times a day and send letters everyday. The guy handed a visitor at my house a letter yesterday and said will you give this to someone at home did n't ask who the person was or anything just handed her a letter not even in envolpe. it is nothing more than harrasment. I needs to stop .We have called and made arrangements but they just wont quit
Product: Student loan

My last 3 monthly payments Ive made went 100 % towards interest only. Also, In XXXX I reached out to Nelnet about the tax form they sent me stating I paid {$0.00} in interest payments in year 2023. However, this was not true as my payment statements and online portal showed I made over {$400.00} in interest payments. They reported that I paid {$0.00} to IRS. I was on phone with representative for over 5 hours and he did not help me. Not only that, but I asked multiple times for documentation reflecting what ive paid towards my principle balance and interest. I have paid over {$3000.00} towards what my {$18000.00} original balance was and they took nearly half of those payments to interest only even though the interest rate is a little over 4 %. They refuse to reflect accurate information on my billing statements and are providing false information to IRS which doesn't allow me to report any interest paid which is hurting my tax burden and shows they are being untruthful to IRS which is illegal. I have sent emails, letters, and calls with no success of being helped or issues being fixed.