23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I are on the Loan with Wells Fargo. I wish I had the recording! We were told in XXXX XXXX, that in order to qualify for a modification, we needed to be at least XXXX payments behind, we were not. However, they offered to take information. So, we went over everything and the Home Counselor, XXXX told us everything looked really good. They could lower our payment and help out. We got all the paperwork in to them, as requested. We continued to be told, it all looks really good, should be no problem in getting the modification. Then all of a sudden, we could not reach our Counselor, and when we finally reached him, " oh we can not help you. Modification denied. '' No explanation. We were only told again, we needed to be behind in our payments and that we could appeal. We did, no communication with any one person and then again, no modification. I was then hospitalized for a work related back injury and XXXX, took over everything. My husband, fell behind on the payments, thinking this would help, we reapplied, again, no one person to deal with, and again, no modification. Now, my husband goes into a branch to make a payment, he was told, No can not make the payment because they now want a full balance due payoff. We started to receive notices in the mail of an upcoming sale date and panic set in, my husband declared Bankruptcy in XXXX XXXX. We still have had no actual reason we do n't qualify for ANY program, other than, we have too much equity in the house. ( $ XXXX ). Now, he declared BK citing house payment was too much to keep paying, insurance, bills and XXXX small children. The attorney has XXXX paying {$1200.00} to XXXX PLUS the mortgage of {$4800.00} a month. He declared BK to help not put us deeper in debt!! This would have left us only {$150.00} a month to feed a total of XXXX people, not including power, water etc. We have kept trying to get a modification, to no avail. My husband, passed away on XXXX XXXX XXXX, and still they have yet to acknowledge this fact. They called for a Relief of Stay on the House from the BK court, citing no post petition payments have been made, we were told we did n't have to!!! ( By the now retiring attorney! That 's another story! ) Now, they want me to make the payments on the house. I am not an idiot, if I make one payment I am then locked into their XXXX 

I feel that Wells Fargo is trying to take our house because of the HOT market within the XXXX XXXX XXXX XXXX. We are victims of devious, non-truthful and non-transparent practices. I am going to try and get a modification on my own, seeing as my expenses are not as much, I can manage the house ONLY IF THEY provide a modification. They continue to say that circumstances need to change financially to qualify, they have! They will not even consider it. Do n't want to even hear about it. 

I am stuck and almost thinking of pursuing legal channels to go after Wells Fargo for wrongful death ( husband had a massive XXXX XXXX after reading the Relief of Stay paperwork! ), harassment and anything else I can think of. You claim to be for the people against predators, well please help.
Product: Mortgage

Bayview has sent me notices with 3 different addresses to send payment to and has not been posting my mortgage payments in a timely manner. I send my payment at the end of each month with tracking so I know when they are received. Bayview sends incorrect correspondence and statements and falsely claimed my loan was in default. Bayview changed the payment address twice then a month later changed servicer. I requested in writing that Bayview correct their mistake to show my account is current prior to transferring to the new servicer, Bayview did not reply or issue a correct invoice. I mailed a {$2900.00} payment overnight today including my XX/XX/2020 overnight XX/XX/2020 USPS tracking number # XXXX to Bayview and Bayview was notified via email so it should be posted prior to transferring loan to new servicer as current by XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX with the XXXX and Transunion..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's, and XXXX inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Walmart card that was opened by someone else under my name appeared on my credit report 8 months ago. I have gone back and forth so many times trying to delete this account and capital one is saying they have validated my account. 

Upon further research this account was bought from XXXX XXXX and now I am fighting with them. It was never opened with capital one and yet they are trying to collect. This account needs to be deleted from my credit reports and deleted from the capital one internal database as well.
Product: Student loan

I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON MY REPORT BREAKING THE LAW. THESE ACCOUNTS " CHARGED OFF '' THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE ALL ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXXXXXX XXXX XXXXXXXX UPSTA/FINWSE XXXX XXXX XXXX Equifax Continues XXXX Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). Additionally CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. AGAIN THESE COMPANIES HAVE ALREADY WRITTEN OFF THESE ACCOUNTS AS A " CHARGED OFF '' IN THEIR MANDATORY TAX FILINGS VERIFYING THE ACCOUNT 'S TRUE STATUS. DELETE THESE ACCOUNTS IMMEDIATELY FROM YOUR RECORDS AND I'M ALSO REQUESTING {$1000.00} PER EACH VIOLATION OF THE LAWS VIOLATED AND THE FCRA PER ALL MY OTHER COMPLAINTS THAT YOU HAVE FAILED TO FULLY ACKNOWLEDGE AND ADDRESS THE LAWS BROKER BY YOUR SERVICES ALSO EQUIFAX YOU'RE VIOLATING AND BREAKING ADDITIONALLY THE FURTHER LAWS BY HAVING THESE ACCOUNTS ON YOUR RECORDS AS THE LAW STATES UNDER 15 U.S.C. 1681c THAT A CONSUMER CREDIT REPORT DOES NOT INCLUDE ANY ADVERSE ITEMS ASIDES " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years '' THESE ACCOUNTS ARE AN ADVERSE ITEM AND ARE REPORTING WITHOUT MY PERMISSION AFTER REVOKING ALL PERMISSION TO THEM AND YOU EQUIFAX. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( UPSTART, XXXX, XXXX, ) making the report. EQUIFAX WHAT YOU'RE DOING IS ILLEGALL AND I DEMAND THE DELETION OF THESE ACCOUNTS ASAP FURTHER MORE I HAVE REVOKED ANY PRIOR PERMISSION TO SHARE ANY PERSONAL INFORMATION WITH A 3RD PARTY COMPANY. FURTHER MORE ON THEIR TERMS and Conditions these Companies agreed not to share my information with NON affiliates. EQUIFAX, XXXX, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now REVOKING any and all authorization I THE consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that I was late on a payment from XXXX around XX/XX/XXXX. I didn't know what it was as I didn't have any open accounts with XXXX so I sent a letter to them asking them to verify the account in writing in which I never heard from XXXX. I thought it was a mistake. Then in XXXX, I got an alert from my credit bureaus that XXXX said I was 30 days late XX/XX/XXXX. I then tried calling XXXX and was told that there was a mistake on how the account was closed so there was a {$25.00} fee added to the account. XXXX closed this account long before I was done with the payments and I only found that out through my credit report. The account has ALWAYS been in good standings up until they added this 30 day late on a closed account. I wasn't banking with XXXX either so I would have no way of knowing about any fees accessed. There was no notification of any fees due. The XXXX rep stated that she fixed the account and any fees were taken off and that she had properly closed the account on her end. I asked her about the 30 day late and she stated I would have to dispute the account. After talking to several XXXX representatives, I finally got one that stated I should not have receive a 30 day late and that she was disputing the late to have it removed from all 3 credit bureaus. After it was removed, then I get another alert that a 30 day late had been added again to this account for XX/XX/XXXX. There were no issues with this account until they made an error on this CLOSED account and added this 30 day late in XXXX. Now all of a sudden I'm late in XX/XX/XXXX. I was NOT late in XX/XX/XXXX. I spoke with another XXXX rep on today and he stated that it LOOKS like I was late in XX/XX/XXXX by making half a payment on one day then half a payment on another day. This is TOTAL XXXX from XXXX. I'm not sure why they are purposely trying to mess up my credit, other than not wanting to except they were wrong in the first place to give me a 30 day late in XXXX when I was not late. I feel that XXXX  is purposely trying to punish me because I fought this mistake they made. How can I go with no lates with this account since XXXX, and now all of a sudden lates are coming from everywhere on a closed account. This is not fair or ethical for a business to do. The credit bureaus also are not investigating this matter, they are excepting whatever XXXX says and reporting it. Now XXXX is showing that the account was closed XX/XX/XXXX, when it was closed years before. If XXXX  had answered my request of verification when I first asked for this in writing, none of this would be happening. Although they claim their was an issue on their end with the closing of this account, I don't see how that's possible when they closed it, as I had no access to it anymore and it was updated on my credit report as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It would not allow me to submit my credit report
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. 
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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX XXXX Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number XXXX Account Status Open Date Last Activity Type Responsibility Remarks Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX XXXX XXXX XXXX XXXX, OR XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hello, I am requesting a special courtesy removal of a delinquency on my credit report from a PNC credit card I held in 2019. Because this was my first time using a credit card and I found myself in an emergency situation, I was suddenly unable to pay my minimum payments on time and incurred a large debt. However, I have since settled the charge off with a third-party collector. Despite this, PNC has refused to remove the negative item from my credit report. I would like PNC to consider the special courtesy removal, especially because during the time I was forced to settle the payment, I lost my home in a fire and had many emergency costs. I have included a letter from the Office of XXXX XXXX in XXXX XXXX DC to verify. Please consider my request for removal given these challenging circumstances. 

Best, XXXX XXXX
Product: Mortgage

We purchased our house in XX/XX/XXXX.Since then we have been through several montage servicing companies. XXXX XXXX, XXXX XXXX XXXXXXXX, Saterus and currently XXXX XXXX XXXX. To start when we got the house just like a lot of other people we had to get the extra insurance to protect the home loan. We were told that after a few years that we stayed on track with the payments all we had to do was call and stop the that insurance. Well after a few years we did get several letters saying that we could take off that insurance. When I called they said I had to pay to have an appraisal of the house. So to this date we still pay for this insurance. And since then I've heard that some companies have had lawsuits because of this or something similar. 
We did fall behind. Unfortunately with the unexpected passing of my Father in XX/XX/XXXX. In XX/XX/XXXXwe tried to have a modification at the time with XXXX XXXX XXXX. After all the paper  work and time, all that was accomplished was to have maybe {$200.00} off of the regular payment. That by this time it was almost {$1700.00}. A year later we got the letter that Seterus was our new servicing company.. Once again tried to apply for a modification they were of no help. To the point of us being two weeks away to start a short sale. Received a letter that if we had the intent of keeping our house we needed to call to make an agreement and they would work with us on a payment that was doable on our behalf. We did come to an agreement on the payments and the other condition was that we had to agree on the dates that these payments would be automatically taken of our account. Finally we got back on track. Everything was going well. Then out of the blue we stopped getting our monthly statements. When I called they said that its because we were on a coupon-payment system. Yes I did received them in the mail but I have always made my payments through my bank. So now that XXXX XXXX XXXX has sent us monthly statements, I have notice that our balance is about 100,000 dollars different form a statement that I found from Seterus. This is the part that has me looking for HELP ... How it can be possible that we have been paying our house for over ten years and we basically owe the same amount of when we bought our house in XX/XX/XXXX One other thing that I almost forgot is that our loan was set to where the first ten years of payments were only interest. Can someone please help us? I would like to be informed before I give them a call and try to get some answers.. Of all those times asking for help from these servicing companies all I have experienced that its so hard to get help from them cause they don't care about who they XXXX over. Also its so stressful just to try and get answers. When all you get is the run around. I do want to mention that in the middle of all this I did find one person that, I believe did something. XXXX XXXX from Help Center Counselor. I think because of him we didn't lose our house. I have tried to get in contact with him. Unfortunately he doesnt work there anymore..
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I submit to a dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of this account in my credit file that resulted from an alleged identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX within 30 days. 
EXPERIAN 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

After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/2024 in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.