23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow up to a previous case filed with the CFPB. 

In XXXX, XXXX the HAMP & HARP programs were being covered heavily in the media, so I called the number advertised to find out if our mortgage might be eligible for a modification. I soon found out that though our paperwork from Wachovia ( now owned by Wells Fargo ) said MORTGAGE across the top, we had a home equity loan which was not eligible. 

I contacted the State of Florida and not long after was contacted by XXXX XXXX from the XXXX office. By XXXX XXXX, things seemed to start rolling. We were formally switched in the Wells Fargo System to a mortgage. But it took them 2 YEARS to do the modification! 

We complied with every request and their " trial period '' payment changes. We were always XXXX month AHEAD in our payments. Never behind. Our payments sat in " unapplied funds '' for months. They even failed to pay our property taxes in a timely manner. Towards the end of the ordeal my husband and I received endless " robo '' collection calls to our home and cell phones. We must of explained our situation to over XXXX different employees to no avail. Calls were coming while I was sitting with my father in the hospital. It was extremely stressful! My husband and I finally stopped answering our phones after both completely losing our tempers with employees. 

I eventually filed a complaint with the Consumer Financial Protection Bureau and suddenly Wells Fargo was on it again. They finally modified the mortgage in XXXX, but I just do n't feel like it was handled correctly. My property taxes the past two years seem really off. I had a local accountant review the numbers and was basically told the accounting is n't anywhere close to be correct. 

My dad and husband both had serious health issues last year and into the beginning of XXXX which kept me from addressing this issue until now. 

We feel Fair Debt Collection Practices Act were clearly violated in our situation as we were being HOUNDED for past due money that was not past due at all, but incorrectly accounted for within Wells Fargo 's own system. I also found that XXXX Wells Fargo Bank sounds a LOT like our case.
Product: Credit reporting or other personal consumer reports

I have requested that the following information be adjusted : XXXX XXXX XXXX XXXX XXXX XXXX I requested this via certified mail.
Product: Debt collection

I expressed my concern to XXXX  XXXX about the balance billing if a XXXX  related  claim which should be covered under the cares act and I got nothing from the hospital. I also asked about charity and never received an application. The balance after insurance paid is a {$1000.00}, which I have been paying the hospital {$100.00} a month if I can.

Im currently not working and on social security XXXX. I had no income for five months, so now Im trying to catch up on my bills. 

The collection agency is sending threatening letters and calling. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As I reported in XX/XX/XXXX, I found discrepancies on my credit report regarding late payments to my capital One account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : ELAN FIN SVC : XXXX 2019
Product: Debt collection

I have XXXX. My XXXX got so bad I couldnt hold a job. We were late with rent. They qould charge late fee for late fees. We're it was impossible to get out of debit. I had reported on their website there was a water leak. There was damages to the floors. I have pictures saved. I have asked them a few times for an itemized bill. Never received XXXX
Product: Debt collection

Please be advised this is NOT a refusal to pay, but a notice sent pursuant to the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your office provide me with competent evidence that I have a legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major bureaus ( XXXX, XXXX, or XXXX ) this action may consult in fraud under both Federal and State laws. Due to this fact, if any negative mark is found on my credit reports by your company, or the company that you represent, I will not hesitate in bringing in legal action against you and your client forbthe following : Violation of the Fair Credit Reporting Act, Violation of the fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during at which time all collection activities must CEASE AND DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to amy of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATW OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETIONS REQUEST SHALL BE SENT TO ME IMMEDIATELY.
Product: Checking or savings account

I created checking account online with Wells Fargo from the webpage archived here XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The webpage offers a XXXX $ checking bonus for qualifying accounts after XXXX  days.It states that the bonus offer is automatically applied when the application is completed on this page. 

I met the requirements of over XXXX $ in qualifying deposits within XXXX days of opening the account and had a minimum opening deposit of over {$XXXX} by XX/XX/XXXX After XXXX  months, I did not receive the qualifying bonus. I then called Wells Fargo on XX/XX/XXXX requesting this bonus be looked into. I received a letter on XX/XX/XXXX indicating that I was not eligible because 'insufficient information was provided for research. ' I then called Wells Fargo again on XX/XX/XXXX and scheduled a meeting at my local Wells Fargo branch on XX/XX/XXXX at XXXX. 

At the meeting, the man assured me he would look into this and that I would hear within XXXX business days. 

It has now been in excess of the XXXX  days and I have yet to receive my checking bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 bank of America reported late payment on my account whichnot suppose to happen because inrollled in auto pay but after 2 months they told I am not inrolled because I have business checking account instant of personal checking I was not inform about this situation on time so please remove this late payment with credit report agency for the month of XX/XX/2017 XX/XX/2017
Product: Payday loan, title loan, or personal loan

The account is paid off and closed, I want this off my credit report.
Product: Checking or savings account

I received an email to one of my personal emails from XXXX XXXX XXXX on XX/XX/22 concerning their efforts to validate my identity to open a checking account. On XX/XX/22, I receive another email to another one of my emails to do the sane but for a different banking company, Wells Fargo. I have not attempted to open any checking accounts recently.
Product: Checking or savings account

On XX/XX/2021 bank of america closed my business account. With no explanation but it was a business decision. I had a transaction from a customer of mine go into my account for XXXX. My customer had sent me the money to buy him his product but had explained to me that he sent it from a joint account with his wife. So his wife called their bank regarding the money. So I called my customer and he said he went to his bank on Friday the XXXX to let them know everything was okay. He had sent me the funds nothing to worry about. They told him it would be 3 business days for everything to be taken care of. Bank of america did not even wait or investigate what was going on. Did not even give me a chance to fix the problem. Which I was in the process of doing. They closed my business account the very next day after this happened. Sent me a letter stating they were in the process of closing it and it would affect my ability to open another account with them or any other financial institution. I called bank of america and they told me it was closed on the XXXX of XXXX. I called my customer and he was mad because he was helping me fix the problem. Bank of america to me rushed into a conclusion about the funds that is very bias. Not once did they try to wait on the problem to be fixed.
Product: Credit reporting

Hi, I am writing because I am having trouble with Equifax credit reporting company. Several years ago my Social Security Card was lost in the mail. I put a credit freeze on my account with all XXXX credit reporting agencies. I have since been attempting to remove the freeze on my account. XXXX of the credit agencies have been great. Not so with Equifax. There are requiring me to provide a XXXX digit pin and mail in a letter. I have mailed in a letter XXXX times over the course of XXXX year. I have not received anything. I have dialed every number I can find on their website and can not get a person to assist me. I need to get my credit freeze lifted, but have not been able to accomplish this simple task. 

If you are able, please assist. 
XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I respectfully ask the XXXX who the right person to corrected my name and social security number and contact the Experian to corrected the information it has on file for me. I do n't understand why Experian still not corrected the information on their file. I had sent copy of my driver 's license passport, social security card, even my Bank account number. I ask for the CFPB assistance to inform the credit company to take advantage of my personal information and corrected please. I also sent XXXX my personal information by e-mail. I expect to corrected now. the three credit bureau company. I request the XXXX to allow me to view my dispute online. I do n't know why I ca n't able to see.
Product: Debt collection

I contacted Metro Republic Communication Services regarding a medical bill. I spoke to XXXX XXXX and inquired about receiving a generic letter stating that upon full payment they will report and remove it from my credit. I informed him that I am capable of making the payment in full right now. XXXX XXXX and his manager stated that they are willing to give me the letter only after they receive the payment. So, basically I do n't have any guarantee that they will keep their word. Over the next couple of weeks I spoke to XXXX XXXX numerous times. I initiated the majority of the calls. I finally came up with a solution for both of us. I spoke to XXXX XXXX and explained that I was willing to drive to their office and pay with a certified check. At that time I am willing to " trade off '' for the letter and a receipt. XXXX XXXX mentioned that I should bring cash at that time. I expressed to him that I am not comfortable paying with cash and I would bring a certified check from my bank. Both of us were satisfied and ended our conversation on a good note. Five minutes after we hung up XXXX XXXX called me back and stated that after speaking with his manager XXXX XXXX that there was a problem with what he told me. He stated that his manager said I have XXXX medical accounts with their office. Even though I am willing to pay off the account we discussed in full they will not report or remove the account until I pay off a different account I did n't even know I had with their office. I asked to speak with his manager and his manager XXXX XXXX stated the same thing. I found it very strange and unprofessional that I have spoken to him numerous times and XXXX XXXX never mentioned a second account with their office. Also, these are XXXX totally different bills, service dates and amounts. If I pay off one account in full that should be reported to the credit bureau and removed just as we agreed five minutes ago. I do n't understand why they would think that it is okay to attempt to be unprofessional, deceive and bully customers. They should not be able to make up their own rules and guidelines because they feel like it. In my opinion it does n't sound legal either. Most people do n't consistently call bill collectors trying to pay their debt in full. So, at this time I am at a stand still because I do n't trust them at all.
Product: Student loan

I have contacted Navient several times, since XX/XX/XXXX in regards to my student loan interest rate, which is consistently increasing. I contacted Navient again on XX/XX/XXXX to obtain loan information, but was not provided any additional information. 

My original interest rate with XXXX XXXX ( loan originating servicer ) was 4.5-5.0 %. According to Navient, the promissory note received from XXXX ( second loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate ( currently 7.2 % ) instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Navient and have not received the information.However, the company did send me a copy of my original loan application, which also does not detail interest rate or loan terms. 

XXXX sold my student loans to Navient in XXXX and according to XXXX, they provided all available loan documentation to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts were paid in full and promised to be removed from credit report. 

XXXX, XXXX, equifax still report and side with creditors, been 3 years since balance has been paid but still shows collections
Product: Credit card

The Dillard 's WF credit was opened on XX/XX/XXXXI lost the card and didn't have possession of it and noticed there was unauthorized transitions that I did not authorize totaling my balance to {$2000.00}. I have reached out to the company to advise them that the transactions made on the account were not authorized by me. Dillard 's penalized me reporting the following to credit companies ; the account to collections on XX/XX/XXXX, reporting 30 days on XX/XX/XXXX and closed XX/XX/XXXX. Every month I am being penalized with the balance and the credit wrong reporting 's that are inaccurate in all measures.
Product: Credit card or prepaid card

I received a promotional offer with an invitation code to the Bank of America XXXX XXXX  credit card. I used the code and applied on XX/XX/XXXX. On XXXX I received an email stating that my application could not be approved and a letter would be sent to describe why. On XXXX I received the adverse action notice with incorrect adverse action reasons. 

On XXXX I wrote an mailed a letter to the address provided on the adverse action notice. In the letter I stated : " There were XXXX adverse action reasons provided on my letter. The first is XXXX or more of your accounts were written off as uncollectible and/or have settled for less than the total amount owed. Neither of the reasons in this or statement are correct, and I have verified with the XXXX credit bureau as instructed on the letter. I have never had any outstanding loan not paid on time nor paid in full in my entire credit history. 

The second reason was Current or past delinquency on XXXX or more of your accounts with us and/or our affiliates. Again, I have never been delinquent, ever, in my entire life on any account including those issued by B of A  and its affiliates. I verified this fact with XXXX. 
" On XX/XX/XXXX I received a second adverse action letter ( Dated XX/XX/XXXX ) that was identical to the first. B of A completely ignored the context of my response and just resent the first letter a XXXX time. 

My complaint is that B of A is sending incorrect/invalid adverse action reasons on their denial letter. 

The reference number for my denial letter is XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a person not a credit repair person or company. I am a victim of identity theft and please address my concerns regarding my credit report that is showing fraudulent account. they are on the wrong account they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH FTC, I HAVE WRITTEN ALL THREE BUREAUS, I HAVE WRITTEN THIS CREDITOR WHOM I DO NOT KNOW ... ..
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  Account XXXX Account name : XXXXXXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 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.