23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a claim with my Insurance company, XXXX XXXX, in XX/XX/XXXX. The claim was for hail damage to my roof. XXXX XXXX came out, seen the damage and approved the claim. They sent me a check for {$5400.00}. It had my mortgage company too, Carrington Mortgage on the check due to having a current mortgage. I was told to call them once I receive my check to see how I can get the funds. I called Carrington on XX/XX/XXXX and they told me to sign the check, which I was adamant about but XXXX told me that's how it was done. She told me they could only hold the check for 2 days. On XX/XX/XXXX, I called to make sure my check was in the mail due to them receiving it XX/XX/XXXX. They said they are holding the funds, until I send them paperwork. They sent me a packet of papers to fill out after I mailed my signed check to them. They said I needed to get those in then they could give me 25 % of the check to start then they have to come out and make sure I'm doing it. Take in mind, my roof is leaking, so he's it will be done. I'm not that person to take the money and run. I argued and said that they need to train there employees because XXXX failed to tell me any of this. I called XX/XX/XXXX again, my contractor backed out because they haven't had to fill out paperwork and can't start the work with only 25 % down. So my fiancee and step dad talk and agree to get this roof done before any other damage. So on the XXXX I tell them I need the funds so I can get this fixed. They said I don't get the funds until I get a licensed contractor. After arguing and crying, I got no where. The paperwork states if my loan is current, the check is under 15,000, all I need to send them is the estimate from XXXX XXXX, the declaration of intent to repair and the UNENDORSED check. And that I could act as my own contractor so I don't need a licensed contractor unless the check is over 15,000.  Well hmmm, they had me sign it, now are refusing to let me fix my roof. The funds are just enough to cover, because my roof isn't big. Another contractor bid was way over the amount I was getting. And other contractors are booked for several months. My roof needs fixed and I need my check. They lied and had me sign it and now are refusing to give me my funds. They can't tell me who can fix my roof, but now they have messed it all up. As of XX/XX/XXXX, they still have the check. They said they could only hold it for 2 days. They are a bunch of scams. I didn't choose this company, they bought out XXXX who I originally had my loan through.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, but also damaging my financial well-being. 



The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : Wells Fargo XXXX XXXX 3 accounts ( see document attached ) In light of reviewing my report, there is reason to believe that I have been subjected to discriminatory practices, hopefully you are aware Equal Credit Opportunity Act ( ECOA ), Title 15 of the United States Code ( USC ) Sections 1691 et seq., and regulations such as Regulation B ( 12 CFR 1002 ). Which Wells Fargo continues to create fraudulent deals with the public. If it was not for that, I am not sure why else it would be on my credit.

This account is listed as a sold off account on my credit report but I have never received a 1099C for this sold off debt. I also never agreed in any sale. Can you also provide me with a 1099C to accurately reflect this for tax purposes and please update my credit report accordingly or delete immediately? Please update who you sold it to with the same record.

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy of my credit information. I appreciate your prompt attention to this matter, as this effects my income, homeownership, and to obtain employment. Please consider expediting this process for me. Thank you.
Product: Mortgage

My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.
Product: Debt collection

I have contacted Sherloq multiple to asking to validate my debt with my signature allowing them to have my medical information and my signature validating my debt. They refuse to do so. I have have stated multiple times that I do not claim this debt and was never presented with a bill of this debt. They continue to call me after I asked them to not. I have contacted them over 30 days ago and they never responded till over 60 days later. 
I request that this debt be deleted.
Product: Student loan

Heard about the current lawsuit and I wish to have a evaluation of what my balance should actually be? I woul also like to make sure the interest rate is correct along with the pay off timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Dispute with the Credit Bureau about the incorrect items on my credit report. It's been well over 30 days and I still didn't receive my investigation Results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX, Experian, & XXXX are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXXXXXX XXXX VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not knowledge that i owned this amoun to them, or it's mine fully proof that this is mine and remove it form report immediately. 

Collection Agency FIRSTPOINT COLL RESOURCES INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$0.00} Status Date XXXX XXXX, XXXX Status PAID Balance Date XXXX XXXX, XXXX Account XXXX XXXX XXXX  Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XXXX XXXX, XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION
Product: Credit reporting or other personal consumer reports

I have filed two complaints : XXXX XXXX Bottom line is that I can not obtain my credit report online at the Equifax website. I have created an account, but it will not allow me to pull it up. 

They have sinced sent me a letter that says I have to request this in writing and provide certain information ( attached ). This seems like just a way to discourage me. I should be able to obtain this information on the Equifax website. 

I can go on the Equifax website and see my credit score and put a freeze on my credit report ( attached ). But when I try to pull up my credit report, it won't work. I tried this once and then removed my freeze on my credit report, just in case that stopped it, but it still would not come up ( attached ). I keep getting a message that they are temporarily unable to complete my request. So I can see my credit score on their website and freeze my credit report, but I can't see the credit report. They had to verify my information to give me this account, now they want it in writing. 

I can even see my Equifax credit report on XXXX XXXX ( attached ). 

Bottom line is that I should be able to go on the Equifax website and download my credit report. 

I also tried one of those free credit report sites. I could obtain my XXXX and XXXX credit reports, but not Equifax. I got a message that it could not be done. 

I have accounts on the XXXX and XXXX websites and can see my credit scores, freeze my credit reports and see/download my credit reports. 

Why can't Equifax fix their website so that I can see and download my credit report on their website.
Product: Debt or credit management

Was referred to Freedom Debt Relief by XXXX XXXX. 

My credit wasn't in bad shape but I had some pretty high monthly bills. Was looking for debt consolidation. Was told I would be a better fit for Freedome debt relief. 

Was told my creditors would all be contacted and were on their list of suitors. Settlement would occur and small payments would be given to each. 

My credit is now trashed, creditors are calling non stop and have had no contact from Freedom debt relief. I was told by a Supervisor from Freedom today that my credit would be trash for 4 years. I told her that was not what was sold to me. I was told something totally different. I asked for the recorded phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative XXXX  XXXX XXXX then hangs up on me and someone else calls me back XXXX XXXX XXXX I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They XXXX XXXX XXXX have violated the FDCPA in many ways as well as XXXX and XXXX   violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/Experian/XXXX. XXXX XXXX company in the amount of XXXX with-XXXX/Experian.XXXX XXXX in the amount of XXXX.with-XXXX/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Product: Debt collection

I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1500.00}. This account should not have been placed on my report by National Credit Adjusters because the Circuit Court of XXXX XXXX, Missouri judged in my favor and NCA agreed that debts held by them were to be canceled and that they were to cease and desist with all further collection activities. They have violated a court order by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also this debt was reported to each credit bureau by NCA 3 different times in a 5 week period. I have included the court order/judgement with this  correspondence.
Product: Credit reporting or other personal consumer reports

This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all inquiries 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: 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 Account 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 has violated my rights.

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: Money transfer, virtual currency, or money service

I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.
Product: Student loan

I have been in repayment for 10 years since graduating in XX/XX/XXXX. I work at a non-profit organization for the past 8 years. I logged onto Navient website last month as a frequently do and a form poped up for student loan forgiveness. I filled out the form and turned it in. I recently got a letter from my fed loan that I did not qualify for loan forgiveness because the federal program my loans are through has been discontinued. I was not informed to be eligible for loan forgiveness I needed to consolidate to the XXXX XXXX direct loan program. The last 8 years of loan payments will not go towards loan forgiveness. I was told I can consolidate now but that would put me 10 years away from loan forgiveness, but if I was informed properly it would only be 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i deposited XXXX into my bank account from a sports bet wager i had won. On XX/XX/XXXX, i got a notification on PayPal. My winnings were being refunded back to XXXX. Three months after i had already won the wager. After i seen that madness i attempted to call PayPal to cancel it. They told me it was pending so i couldnt cancel it until it was done pending. They also said it takes 3-7 business days for a pending payment to clear, so i waited. I called PayPal back to try to cancel it when it was cleared and now they said that the refund was already sent and i would have to either contact my bank or XXXX to get the money back. I contacted my bank and XXXX. My bank said since it was a refund with PayPal they couldnt dispute it and XXXX told me that they didnt receive the funds back at all and to contact PayPal for better assistance. So I tried and they said theyll let me talk to the Paypal supervisor for more help and left me on hold for about 40 minutes and hung up. Keep in mind its been 3 weeks i still have bills and Im not rich so my bank account is overdrawn now because of the XXXX and my bank took XXXX more dollars for overdrawing my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate. 
Account info Account name XXXX XXXXXXXX XXXX Account Name XXXX XXXX
Product: Mortgage

Champions Mortgage will not tune loose of my insurance check I have sent all records and can not get my house fixed where I flooded Fema sent all of the paper but the young girls keep my check I am XXXX years old with holes in my house because they will not turn my check to me what can I do they do this every time when XXXX hit me they would not turn the checks I had to beg for the money that the insurance paid me to fix my house they sent an inspector to check my house to get the last check the house looked better than before to me what can I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need help
Product: Credit reporting or other personal consumer reports

the collection account for XXXX XXXX XXXX is showing on my credit report and they are furnishing this item as a collection dates of last activity from Experian XX/XX/XXXX and XXXX XX/XX/XXXX two different dates. I have requested first date of delinquency and they have not provided.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX 1- XXXX XXXX  on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX status closed charge-off {$3100.00}