23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter.
Product: Credit reporting or other personal consumer reports

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time. 
I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight. 

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} XXXXXXXX XXXX XXXX Balance XXXX {$130.00} XXXX XXXXXXXX Balance : {$57.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$490.00} XXXX & XXXX XXXX XXXX : {$780.00} XXXX & XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting or other personal consumer reports

For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning XXXX, Equifax, and XXXX, all of which have inaccurately recorded that a payment on my XXXX  XXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, U.S. Bankruptcy XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a collections account was placed on my credit report from a company called Amsher collections. They have themselves listed as the original creditor. Until I checked my credit report I had never heard of this company. If they are representing someone else I never received a dunning letter stating that I had 30 days to dispute the validity of this debt. I've never had any financial dealings with amsher collections. I requested information for the validity of this debt. This account was placed on my credit report without my prior knowledge or notification. I'm not liable for this debt I do not know who this company is and I would like for this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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

Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to XXXX XXXX XXXX pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable by up to XXXX years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within XXXX days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : XXXX  : XXXX XXXX XXXX Account XXXX XXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I ordered lights with a XXXX XXXX XXXX from XXXX. 
I never received the product I ordered. 
I did receive a product I did not order and offered to ship it back at their expense. 
XXXX said they would ship the product I ordered again, after I contacted them. 
I never received what I ordered. 
I then filed a dispute with the merchant. 
They said they would ship the product if I closed the dispute. 
I closed the dispute and never received the product. 
I sent the dispute to my credit card company. 
The credit card company contacted the merchant and the merchant refused to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my credit score by XXXX points for no reason. My report shows no changes whatsoever, and when I called their support number to see what's going on they said I'd have to pay for them to tell me why it changed. How is this even legal?
Product: Checking or savings account

I have a Wells Fargo account and There was a claim submitted to dispute a charge of {$130.00} from XXXX, The bank gave me a provisional credit and later reversed the {$130.00} credit putting my account in the negative. Upon calling the bank several times to inquire about why the provisional credit, I was told that It was reversed because A letter was sent to me requesting additional information about the claim, however I never received the letter and I communicated with them. I was told that the claim would be reopened and a manger would review the new information and make a decision in 10 business days. I have called the bank 's claim department over 5 times to follow up on the status of the reversed claim. I communicated that as a customer it is not fair that I am being penalized for something I had no control over, mail gets lost everyday and because I didn't get the letter the claim was closed with no resolve. Each time I called the bank there was a different story given and different rules, finally I was told that managers are not available to review claims and the decision is final, which is a contradiction of what I was initially told. Something needs to be done because how many other customers have experienced this. Any assistance given will be extremely helpful in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiry accounts were disputed on XXXX. 

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

I previously disputed this account and never received a response about my investigation. I am asking for your help to get this account removed.
Product: Debt collection

A collection from XXXX XXXX XXXX was presented through a civil case in the amount of {$700.00} for a debt my ex husband took out in my name. I am waiting on proof of debt. According to the divorce decree I am not to be held liable for any expenses regarding his motorcycle. I believe this was for a helmet.
Product: Checking or savings account

On XX/XX/2024 I made a {$5000.00} ACH transfer from my new bank ( XXXX XXXX ) business checking bank account out of my previous business checking bank account ( Commerce Bank ) prior to closing the account completely at Commerce Bank. 

I was not informed by the bank associate at Commerce Bank that assisted me in closing my account that the {$5000.00} ACH transfer to XXXXXXXX XXXX had not completed processing before they closed the account. Because of this, the funds did not properly process into XXXX XXXX and now the money can not be found by either bank. I've spent the past month visiting my local branch for each bank attempting to escalate the issue to be resolved. Both banks continue to tell me neither of them have the {$5000.00}. 

I've spent countless hours of my time working to resolve this issue. As a self-employed business owner, those are hours I'm not getting paid working. I had intended to transfer this {$5000.00} to my high-interest savings account, so I've lost almost a month 's worth of interest earnings on it. 

I wrote letters over a week ago and mailed them as registered to the presidents of each bank with a full timeline of events and timestamps of my efforts since XX/XX/XXXX- have not received a response of any kind from either. 

I'm greatly losing faith in this country 's financial system as it seems XXXX large bank organization 's have misplaced {$5000.00} of my money with no idea on how to locate it and return it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

On XX/XX/year>, I identified an account labeled as " DEPTEDXXXX '' on my credit report, which was marked as past due. Upon contacting XXXX, a representative confirmed that there is no payment required to rectify this error and that the collection agency listed is associated with XXXXFederal Student Aid. Despite this, the representative stated that there is " really nothing I can do '' to amend this misinformation. 

Additionally, I have noticed three to four accounts from " XXXX XXXX '' on my credit report that are inaccurately reported. Given the Consumer Financial Protection Bureau 's ( CFPB ) recent legal actions against Experian and XXXX for failing to properly investigate consumer disputes and maintain accurate credit reports, I am concerned that these inaccuracies may be a result of similar negligence. These errors have the potential to adversely affect my creditworthiness and financial well-being. 

XX/XX/year> : Contacted XXXX to dispute the incorrect past due status. 

XX/XX/year> : Reviewed my credit report and identified inaccuracies related to XXXX XXXX XXXX XXXX accounts. 

These inaccuracies on my credit report are unwarranted and could negatively impact my credit score, potentially affecting my ability to secure loans or favorable interest rates in the future. 

I respectfully request that these inaccuracies be thoroughly investigated and promptly corrected to reflect accurate information on my credit report.
Product: Vehicle loan or lease

Hello Ive been trying to get in touch with consumer portfolio to ask if they would please help me with my payment. My payments have been half payments have been making a payment, but they still want to repossess my car. I called as early as today XX/XX/2022 to ask for help and keep getting pushed around. I need help so I can half my car because I have chronic illnesses and I need to get to work. I do make a payment but its not a full payment. Im axing them to please lower my payment, but they keep refusing. I need help getting this company to help me through this process I am, not sure why the car dealer went with this company because I had no debt when I traded in my old car for the present one that I have I checked with my credit and seeing that I have paid the car loan down significantly and Im just axing them to please have some understanding and help me through the process of getting back on my feet so I can continue to pay my car loan off I have not missed a payment Ive just been paying what I cant which would be at half payment and then try to make the payment up or Im just asking them if they could get rid of the of the fees and interest on a loan until I get caught up. No one will return my call when I text or email they refer me to the manager who will not get in touch with me. This has been going on for three months, I heard from the manager this past Monday letting me know that my car was going to be repossessed. I asked him not to do that because I have to make a payment and he instructed me to hide my car so that it wouldnt be taken I said why would I hide my car if Im axing you to help me with the payment by just lowering it or taking a half payment and allowing me to make it up at the end he replied that his manager does not allow that and instructed me to hide the car. Please help me with this matter. If you quit by. This is the second letter I have sent to you about consumer pro folio services. Thank you for your time and Ill wait for your response.
Product: Credit card or prepaid card

A Barclays Bank Delaware card I opened in XXXX that was closed on XXXX, I have asked Barclays to please send me all the statements for the account before its closing date in order to review them and prove that the charges were not made by me, as it is my right under FCRA section 623 and Barclays has ignored my request. The credit card was maxed out by someone I knew, I did not know back then that I could file a dispute and this is the reason why this account was on a consolidation debt payment plan along with other accounts that had run the same faith. I was not able to keep said debt consolidation payment plan in XXXX due to the pandemic. I was contacted by Barclay 's collection affiliate XXXX XXXX XXXX. XX/XX/XXXX and in an effort to finish this debt I went on a payment plan with XXXX for {$100.00} monthly to pay a total settlement amount of {$730.00}. The last payment for {$100.00} was not processed and XXXX has reinstated the whole due amount of {$730.00}, leaving me with no other resource than to exercise my right under FCRA section 623 and prove that this is not my debt, one which has been settled based on the amount of money paid to this date.