23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I modified my mortage with XXXX in mid 2014. As part of the modification, they forgave all unpaid escrows, past due interest, protective advances, etc. and I was only to repay the remaining principal balance over the remaining XXXX years from the original mortgage at a modified interest rate. Shortly after close, XXXX sold the loan to Nationstar mortgage. Nationstar mortgage is now demanding repayment of delinquent tax and insurance escrows which were already forgiven as part of the loan modification. I have spent over XXXX hours on the phone with them and they always seem to " drop '' the call when I prove my case. On Monday, they agreed to amortize the escrows over a XXXX period but then subsequently came back reducing the period to XXXX. On top of this, they are charging me a {$290.00} late fee which is only due to us not being able to figure out how much I owe them monthly with the {$300.00} increase in impounds ( which is not owed to them per my loan modification ). This is bullying and they know most home owners do n't have the time or resources to fight this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on the Equifax website. It has been over 60 days since submitting my first letter to Equifax and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Equifax has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Equifax to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.
Product: Credit reporting or other personal consumer reports

They been taking for XXXX years or longer, I been with them for a year straight and then I stopped and went back y'all can look it up in yall computer
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the dispute entries
Product: Credit reporting

Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION
Product: Student loan

Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of a specific account from my credit report. The account in question was originally established in XXXX. Between the years XXXX and XXXX, when SST XXXX acquired my account, there were indeed missed payments recorded in XXXX and XXXX. However, SST began reporting this information to credit bureaus starting in XXXX. 

During a recent conversation regarding this matter, I was informed that SST does not have any historical data regarding the dates of my initial late payments, and I was advised to reach out to XXXX XXXX to obtain any prior account history they may have. This situation seems contradictory, particularly since SST sold the account to XXXX XXXX ; logically, both companies should possess similar records concerning account history and payment status. 

Furthermore, it is important to note that XXXX no longer reports this account on my credit file, and similarly, XXXX XXXX has ceased reporting as well, given that the balance has been paid off. While it is acknowledged that the account was late in XXXX, I believe that considering the time elapsedseven years since the first reported late paymentthe reasonable course of action would be to delete this account from my credit report. I urge you to review this matter diligently and make the right decision to remove this account, as its presence on my credit report is no longer justified. Thank you for your attention to this request.
Product: Debt collection

I received a call XX/XX/XXXX from NCS I answered and the gentlemen proceed with his lines. I explained that I did not have any idea what he was speaking of he got loud so I hung up. The person called back two more times back to back and left voice mails about the same thing. I called the company and asked to speak to a manager and was told that they did not have one they would have someone call me back. I contacted the company they spoke of XXXX that they said I had a balance with. It has been a year and a half and this debt was never sent to me and the company I contacted about the balance stated they must have started working the file. I left my forwarding address when I vacated the property if it was a balance they never sent me a bill in reference to the balance. I was informed when I called XX/XX/XXXX that they could send me a ledger with the information on it. My concern is that the collection company has poor business practices why would you call me at XXXX the first call and I spoke with you. This man proceeds to call back at XXXX and XXXX and leave a voice mail both times. Had XXXX told me of the balance in XXXX it would have been paid here it is XXXX and I get a collection call that is poor business practice on behalf of XXXX as well and apparently I was not the only person that NCS called per the person I spoke with at the XXXX.

Companies XXXX  XXXX  and National Credit Systems
Product: Credit reporting or other personal consumer reports

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not reinvestigate the following items : XXXX XXXX XXXX XXXX Dept of Education XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, Transunion and XXXX  disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be UPDATED TO PAID AS AGREED immediately. 

Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Update to paid as agreed XX/XX/2023, XX/XX/202XXXX XXXX
Product: Debt collection

In XX/XX/2023 American car center closed my loan. Then months later Westlake portfolio management keeps calling emailing sending me letters that I owe them for a vehicle loan. In XXXX I kindly called them and in XXXX mailed them and again in XXXX and now XXXX. To explain I dont have a loan, when American car center went bankrupt they illegally sold them a debt on me. I dont have a car nor loan. I have sent proof over 6 months. Mail withsignatures/email/faxThey call harassing me and my family. They are rude and disrespectful and just nail hard that their system said they have a debt and they want payment! However they refuse to provide any proof of this alleged debt ownership. They are reflecting negatively on my credit. The attachments are the same I have been sending to WPM for six months
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a form letter from XXXX XXXX XXXX  that my application for a XXXX XXXX credit card was not approved because ... the credit-reporting agency has indicated the applicant is deceased. ... 

When I was young, I would have found this humorous. Now in the twilight of my life, I find it predatory. 

I can supply a snapshot of the form letter if you so desire. 

XXXX XXXX is listed as the credit report provider. In trying to reach out to them, I see by their website, that before I can get this fixed, I would need to give them personal information that I would refuse to give them. I will not give out my SS number or birth date to any I dont trust. Someone, even mistakenly, who finds me dead, is not trustworthy. 

There are a number of items I would expect from a successful outcome of my death perpetrated by either XXXX or XXXX. I will give you those requests in a longer document if you ask. As an example, I would like a physical address of the US business so I could go to their office and prove my existence. A P.O. Box in CA from an LLC registered in DE gives me little confidence in their existence. Because XXXX  is similarly just a P.O., I will continue to champion the use of local Credit Unions versus big national/international financial institutions. 

I appreciate any help you can give. 

XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX GRANT & WEBER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GRANT & WEBER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.
Product: Mortgage

I am filing a complaint, as an appeal to an earlier complaint submitted, Case number XXXX. That case has been closed, without my consent or approval. 
The Consumer Financial Protection Bureau ( XXXX  ), has identified that Wells Fargo has violated the law regarding Auto Loan Servicing, Home Mortgage Servicing, and Consumer Deposit Accounts. XXXX XXXX XXXX XXXX. XXXX. In this case, I was a victim, and absolutely harmed financially by Wells Fargos servicing of my Home Mortgage. I could provide further details, if requested. 
Once I learned of the settlement, I promptly submitted a complaint with the CFPB, through their website. Case number XXXX. 
Wells Fargo responded, as is their responsibility in terms of the settlement. In their response, Wells Fargo was dismissive, and states, we were not able to validate the assertion we refused to provide this information. 
I do not accept this, they did refuse to provide information on a number of occasions. They can't validate this, because these conversations and document transfers all took place over the phone or fax machine. ( Email interaction was never offered, or even allowed ). Also, at the time, when I asked for written confirmation, it was stated that they were unable to provide that, due to company policy. In every case, they covered their tracks because they had the upper hand. If I asked for something in writing, rather than discuss over the phone, they would state that they could not provide that, and refuse to move forward with the process. When I asked to email, rather than fax documents, I was told that they were unable to receive emails. This was in XXXX. 
I asked the CFPB, how I can appeal this decision by Wells Fargo. I was told to submit feedback, again through their website, to my original complaint. I have, and I am still awaiting a response from Wells Fargo. 
With this in mind, Ive chosen to submit a new complaint, including the initial response from Wells Fargo, as attachments. It is my view that Wells Fargo simply dismissed my complaint because they can. There doesn't seem to be an alternative to their decision. Also, they are continuing to operate in the exact same bad manner that they were charged with in the first place. Simply denying that they have done anything wrong, and not providing any further information to support their position. Further more, since my mortgage has been sold to another company, they state that they are no longer the servicer, nor do they have any responsibility for the mortgage. This is even though they are the organization who serviced the mortgage, and modified the mortgage, prior to it's sale, which continues under the same unfavorable terms to this day. 
I am asserting that Wells Fargo is not only acting in bad faith with regard to this settlement, they are also using the exact same style of bullying that has been occurring for a decade or more. I would like to be added to the settlement.
Product: Credit reporting

Hi, I called to XXXX XXXX, but XXXX XXXX 's phone number is not correct. I found in my experian credit report. 
Remove from my credit report. 
Why are they keep checking my credit till XXXX. 

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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX, 2021.
Product: Mortgage

I received a notice letter from U.S. Bank dated XXXX/XXXX/2019 telling me they received a replacement insurance policy with XXXX  XXXX  and that I should cancel my previous insurance. U.S. Bank then made a payment for {$1000.00} to XXXX  on XXXX/XXXX/2019, but the problem is I never changed insurance carriers and when I contacted US Bank on XX/XX/2019 they stated that the payment had been made to the wrong account under someone else 's name. The initial phone call on XX/XX/2019 did not resolve the issue and the customer service rep said it was in Supervisor Review, because of its unusual nature. I asked for a letter to explain what happened and asked for them to give details on fixing the situation. After never receiving a follow-up letter, I called two other times and both times receiving run-around and numerous holds by customer service staff that would only say it was in supervisor review and give no details. Finally, after I insisted the representative give me contact information for the supervisor in charge, which they previously wouldn't do, they finally gave me a phone number for XXXX XXXX XXXX XXXX XXXX XXXX. I called the number and left a voicemail and never got a response. I called the number several other times and it would go to an automated voice immediately saying " Good Bye '' and instantly hang-up. It's been almost a full year and I have gotten nowhere with U.S. Bank and they have not returned the {$1000.00} they took from my account and I feel like I've been defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

I closed my account in person XXXX  month before my final payment. I am contacted daily by XXXX and associates claiming that I owe XXXX XXXX when I cancelled a month before their claim. 

On Thu, XX/XX/year> at XXXX XXXX XXXX XXXX wrote : hello due to an unforeseen personal issue i will be canceling my account today thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

I've requested copies of statements from time my Slate account was opened until it was closed as well as account agreement pertaining to charging of interest and fees. I need these items mailed to me, Chase has replied prior and attached the items via file. These items need to be mailed to me, these are required for legal reasons. I am unable to print the items.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX
Product: Debt collection

Debt was placed on my credit report that I have no knowledge of. I've never applied for, had or used any services from the company/creditor.
Product: Credit card or prepaid card

Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.
Product: Debt collection

I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!
Product: Credit reporting or other personal consumer reports

I submitted an FTC report to Equifax informing them that inaccurate inquiries were reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following immediately : 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