23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I called and requested a payoff for a lien, that I was told was recorded on my title for {$5000.00}. I was not previously aware of this lien until another bank brought it to my attention. 
Wells Fargo then gave me a payoff for my full mortgage of {$86000.00}. They are unable to give me a payoff for the {$5000.00} because when I refinanced my home a couple of years ago in XXXX, we refinanced {$92000.00} and rolled the {$5000.00} ( which I was told was closing costs and taxes on my mortgage ) into the mortgage so that we were then paying off {$98000.00}. This is the balance my current mortgage started with. 

At this point it appears that Wells Fargo rolled the {$5000.00} into my mortgage and at the same time filed a mortgage GAP lien on my title for {$5000.00}. 

I am currently approved for a HELOC loan ( by a different bank ) for needed home repairs but am unable to close because of this lien and Wells Fargo 's inability to provide a payoff statement. 

I have attempted to resolve this with Wells Fargo but they have not acknowledged my complaint beyond giving me a case number. I have been bounced around between departments and customer service workers while no one will give me any information or a written acknowledgment of my complaint. I have left messages and requested phone calls back, which have not happened or a random department will call and say they can not help me. They have been less than helpful. 

I am currently suffering a hardship because I am under a time constraint to close on my HELOC to pay for my home repairs and it is currently looking like I will not be able to do that and don't know how I will pay these bills without the HELOC - Which was approved but can not be closed upon due to Wells Fargo 's error.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Equifax has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. I need Equifax to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit reports ( XXXX, XXXX and Equifax ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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: Vehicle loan or lease

I purchased an XXXX XXXX XXXX from XXXX XXXX in XXXX az on XX/XX/XXXX which I brought the car for XXXX at XXXX a month for 72 payments thru American credit Acceptance I been paying on time every month since I purchase the car and I notice my payment amount isn't going down at all barely so I called credit acceptance and the told me most of my payment is going to the principal and really not towards me paying off the car at all if I have known this I wouldn't have got myself in this type of loan the way they have me set up I will never pay off this car I even put XXXX of my hard earn money down and the car lot made me feel I will payoff this car very fast I feel I'm getting ripped off can someone please help me or show me how to refinance and get a better deal I'm a mother of XXXX and a grandmother of XXXX on an budget I didnt know all of this working and minimum paying job I would on never got myself in this financial crisis
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my credit reports from Troy Capital , LLC that I didn't authorize. The dates of the inquiries are XX/XX/XXXX and XX/XX/XXXX. I have never applied for credit with Troy Capital , LLC and have never authorized this company to access my credit. 

These inquiries have damaged my credit score and have caused me to pay a much higher interest rate on my current loans. I will be seeking compensatory damages if these unauthorized inquiries from Troy Capital , LLC are not removed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/2023 under the account number XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I deposited my payroll check at the local branch ATM. The ATM reported that the check was " jammed '' and it could not read or return the check, so it asked me to manually enter the amount. It then printed me a receipt for XXXX XXXX with a note stating that they were sorry for the inconvenience and until they could verify the check, the compensation hold was XXXX XXXX. I called their customer service department and they stated there was nothing they could do. My only option was to file a claim, which they have 10 days to even start reviewing!! This is theft and not acceptable. Their broken equipment is irrevocably affecting my credit score as I can not pay my bills on time due to WELLS FARGO faulty equipment and their claims department being a JOKE.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XX/XX/XXXX XX/XX/XXXXof Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XX/XX/XXXXXXXX BALANCED {$0.00}XX/XX/XXXXXXXX BALANCED {$2900.00}XX/XX/XXXX XXXX BALANCED {$5200.00} XX/XX/XXXX XXXX BALANCED {$0.00XX/XX/XXXXXXXX BALANCED {$0.00} XXXXXX/XX/XXXX ( Original Creditor : 01XX/XX/XXXX) XXXX BALANCED {$390.00} XXXXXX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX BALANCED {$720.00} XX/XX/XXXX ( Original Creditor : 12XX/XX/XXXX XX/XX/XXXX ) XXXX BALANCED {$240.00}XX/XX/XXXX ( Original Creditor : 12 XXXXXX/XX/XXXX ) XXXX BALANCED {$3800.00} XXXX XX/XX/XXXX( Original Creditor : 12XX/XX/XXXX MISSOURI XXXX XXXX BALANCED {$390.00}XX/XX/XXXX XXXX BALANCED {$1900.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$3700.00} XXXX XXXX XXXX BALANCED {$0.00}XX/XX/XXXX XXXX BALANCED {$0.00} XX/XX/XXXX XXXX BALANCED {$1200.00} XX/XX/XXXXXXXX - XXXX/XXXX/2023
Product: Credit card or prepaid card

On XX/XX/2022 I was reviewing recent charges to my Citibank Visa credit card ( XXXX ) charge and noticed a large charge for {$830.00}. I did not recall any purchases of that amount and reported the fraudulent charge to Citi on XX/XX/2022 95 days after the reported charge ). This is shown on their website under fraud claims, see attached print screen. The claim was denied and forwarded within Citi from their Fraud Claims Department to Disputed Claims Department. This transfer was not at my request. On XX/XX/2022 the Disputed claims gave a credit of {$40.00}, again, this was not my request and is not a satisfactory outcome to the fraudulent claim. I have followed up repeatedly, requested any copies of original receipts showing my signature for the purchase and I have received nothing from Citi showing such a purchase. On another follow-up call in early XXXX, I was discussing the claim status with the fraud department and they transferred me to the dispute department who on XX/XX/XXXX attempted to reopen the claim as a fraud claim and they advised me to follow-up in 5-10 business days. With no update to the claim, no re-opening as of XX/XX/2022 I am filing this claim in hopes of a satisfactory resolution to this issue.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

American Education Services has been calling me about my co-signer 's address being invalid. I have always kept my contact information valid, and I have never missed a payment ( approaching 20 years ). 

I told them that I don't have that information and they keep calling. They even went so far as to send a written letter to my wife 's father 's house, which she hasn't lived at for nearly 20 years. My wife isn't the co-signer. I have no idea how they even obtained this information? 

Just today, they called me two times about this matter.

I requested that they stop calling me about this matter. They said they won't stop.
Product: Mortgage

Nationstar Mortgage has violated my rightsthroughout the whole trying to save my home. I now have an auction date on my house. They never warned me that auction was a possibility and only gave me 60 days from posting date to actual sale. I have complained before about nationstar not trying to help and making mockery of XXXX foreclosure avoidance program. Some complaints not even answered and some had missed truths in them. I need to stop auction so I can save my home.
Product: Payday loan, title loan, or personal loan

Called Sun Loan Company on XX/XX/2018 to speak about not being able to make a payment that month due to not having money at all that month. The woman cursed me up and down and continued to ask about my partner whom I'm not married to, living with me, though separate household/and bills. Partner was in the middle of filing bankruptcy and I said that he was and the lady immediately began to curse me and ask me for a case number, etc and I felt attacked and it wasn't my place in my mind to give information out like that. When I stated that I don't have that information on his bankruptcy case at the moment and didn't know which attorney he went through, ( even though I did, but like I stated, it wasn't my place to say anything. ) The woman hung up on me. Since then, Sun Loans have called and harasses me two to three times a day from Monday through Saturdays and even calls my mother and best friend to inquire about me. I've been harassed as well about a friend 's loan that she went arrears with too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone other than myself submitted a credit inquiry for CommenityBank/Victoria. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.
Product: Vehicle loan or lease

Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates. 

The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX. 

On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed. 

Your timely attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have sent XXXX " CERTIFIED '' letters to all three credit reporting agencies ( Experian, XXXX, XXXX ) this year to please remove XXXX accounts off my credit reports. There are XXXX accounts from XXXX XXXX XXXX  and XXXX from XX/XX/XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors. 
I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not open a. New account, accnit XXXX business loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is deleted immediately.
Product: Debt collection

Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.
Product: Mortgage

Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX D XXXX, TX XXXX XXXX XX/XX/XXXX RE SS #. XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX -Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXXXXXX XXXX Unauthorized inquiry date XXXX XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXXL Unauthorized inquiry date XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXXXXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXXL Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX Please remove these inquiries from my credit report immediately. 

If any of these companies purport a hard pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method, they purport I gave permission. 

Please send me a new credit report reflecting the changes. 

Thank You, XXXX XXXX NOTE XXXX PLEASE SEE ATTACHMENTS :
Product: Prepaid card

Over the past two dates, XXXX & XXXX, I've tried to make several purchases on a pre-loaded Amex card that had an issuing balance of {$2500.00}. I made one purchase in the amount of {$900.00} that was able to go through on a website that was very much a mom & pop - not a large conglomerate. As I went forward with my day to make other purchases I kept running into the same problem with the card getting denied. After jumping through a lot of hoops to just get connected was an agent I was first told they would go ahead and move the payment to the service that can clear payments and then wait 24hrs to make the payment again. I did just that and tried to make the payment again on XXXX only for it to not go through. I reached back out to Amex support and I was told there was nothing that could be done and the only solution would be to try a different merchant. Well I did try a different merchant, and another one, and another one, and another one. Same thing happened every time. This is also a virtual gift card so I can not even use it in a store as I don't have a physical card to swipe.