23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a XXXX  XXXX loan modification of loan for a home located in XXXXXXXX XXXX XXXX in XXXX after I transitioned from the military in XXXX and had a hard time keeping up with my mortgage payments. After applying for the loan modification, I was assigned to work with Home Preservation XXXX XXXX XXXX XXXX and later XXXX XXXX XXXX from XXXX XXXX and submitted all of the documents required for my loan modification request each time. Wells Fargo initially stated that my debt-to-income ratio was too high and that they could not modify the loan. Upon denial I noticed that in their breakdown of their explanation that they were not counting all of my income in the debt-to-income ratio calculations. I later filed an appeal to their decision after I submitted all my income for consideration as I had acquired a higher paying job, rental income for the property, court ordered child support and had VA XXXX XXXX XXXX XXXX XXXX however I was still denied. In desperation to lower my debt-to-income ratio that they stated was the issue in order to acquire a loan modification to keep my home. I filed for XXXX XXXX  bankruptcy in XXXX to clear my debts. I then went back to Wells Fargo and filed for a loan modification where they stated that I could not qualify for a loan modification due to derogatory or negative items on my credit report. I later got another high paying job that made my debt-to-income ratio better and still could not get approved for a loan modification. I provided all of the documents that Wells Fargo required of me, but Wells Fargo always drafted a false excuse as to why my loan couldnt be approved. In an effort to save my home I reluctantly filed for XXXX XXXX Bankruptcy in XXXX to stop Foreclosure proceedings on my property. This resulted in me having a higher repayment payment due to the past due balance being condensed over 5 years vice loan modifications or workout considerations that should have been offered by Wells Fargo. Due to the extra payments required under the XXXX XXXX I had to sell the property to an investor in XXXX. Due to the Wells Fargo refinance discriminatory practices, I lost out on {$230000.00} in equity and value for what the house is worth today. If I was afforded the opportunity to have had my loan request correctly processed. I bought the house for {$110000.00} and the house is now valued at {$350000.00}. Wells Fargo acted under discriminatory and illegal practices when handling my case while going through its XXXX XXXX XXXX for consideration for a repayment plan, loan modification or partial claim. These acts conducted by Wells Fargo caused significant stress, residual financial implications and limitations due to the bankruptcies being on my credit after trying to protect my home from foreclosure due to my applications and income not being rightfully considered during mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS XXXX, TRANSUNION, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I recently thoroughly reviewed my credit report and was alarmed to discover that I have fallen victim to identity theft. Numerous Accounts, which I did not open have been reported on my credit profile, causing significant distress as I am currently in the process of moving forward financially. I kindly request the prompt removal of these fraudulent accounts from my credit report. 

Thank you for your assistance.
Product: Debt collection

I am located in XXXX, CA but my family lives in XXXX Indiana. I was visiting family in Indiana in XXXX of XXXX and due to an XXXX  XXXX contracted earlier in the year in XXXX, had to go into the Emergency room. 

Before going into the E.R., I was experiencing XXXX XXXX XXXX - however, I was under the impression that my insurance was not covered outside of CA. So, I was going to writhe in pain vs. going into the E.R. and getting pinged with medical bills that would insure my children never have an opportunity to go to college. That said, my parents urged my to call XXXX in CA who reassured me I would be covered and to absolutely go in. 

So, I went in to the E.R. in Indiana. Later that year, after reaching my out-of-pocked deductible ( I had XXXX  XXXX which maxed it out ), I receive a collections notice for {$130.00} from Snow & Sauerteig LLP ( I never even received a medical bill to begin with ). I explained to them that I've reached my out-of-pocket deductible to for that year and to take it up with XXXX of CA - they continue to send me messages despite asking them to cease and desist on the phone. 

Now, it's XXXX of XXXX and I just received an additional bill for {$300.00} from XXXX XXXX - I don't even know who/what that is and never received a medical bill to begin with, plus I reached my out-of-pocket deductible, plus, my insurance would've covered it anyway. 

I am a XXXX XXXX - these aren't inconvenient bills, these are devastating financial hardships that are not mine to owe. This is the only " civilized '' country in the world that allows spineless sharks like Snow and Sauerteig LLP to prey on helpless, disenfranchised middle and lower-middle class people like myself. Collection firms like this are the bane of a broken American system and I refuse to remain helpless in the face of corporate medical, financial, and other conglomerate, multi-national institutions that make life miserable for the rest of us while they grow fatter and fatter and fatter.
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 XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting Equifax for a few months now about this disparity on my credit report. Equifax has willfully and knowingly ignored my request to honor my FCRA law rights. I am a victim of identity theft. Someone has taken my identity and opened up several student loans and a couple of credit cards. I should not be held to any responsibility to these accounts as they are all unauthorized. I've initiated disputes and included all the necessary valid documentations as told to present for the bureaus to honor the FCRA 605 ( B ) law. Still, Equifax is the sole credit reporting agency that is being negligent and at fault for my current hardship. It was only suppose to take 4 business days after receipt of receiving my cover identity letter, proof of identity, list of fraud items, personal statement and valid FTC report to block these accounts as fraud. Equifax has yet to fulfill their job stating their investigations are completed. No results for me. 
I look to sue Equifax for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.
Product: Credit reporting or other personal consumer reports

I received a response from TransUnion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. The file number is XXXX. 

XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Debt collection

Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under midland funding in XXXX. Midland funding online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet XXXX XXXX XXXX says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to XXXX XXXX XXXX shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I received a letter at my mother 's house of a debt that i do not know about so i called the number to find out what is going on, they told me the name of the place. I told them i do not recall having an account with this company next thing i know the very next day, My credit report had a collection on it, and shortly after that about a month later i received a court paper, then two days ago i received a letter from the court to respond or there might be a judgement, etc .... so i answered the summons today and seems like they also turned it over to another collection agency on top of taking me to civil court. because this creditor keeps calling from different numbers leaving voicemails about collecting a debt
Product: Credit reporting or other personal consumer reports

To whom this may concern,
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report
therefore you must remove all negative and adverse  remarks. As you know it is against the law to report any
information not proven accurate. I demand that you provide me with concrete evidence  of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you cannot furnish the validity of the remark. I am not in dispute of the ownership of the account but
if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.

Delete Late Payments
15 U.S. Code 1666(b)
15 U.S. Code 1637(a)
Delete Collections
15 U.S. Code 1692(g)
Delete Charge Offs
15 U.S. Code 1681(c)2
Best Regards, XXXX  [Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights
Reserved
Product: Mortgage

I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).
Product: Checking or savings account

I deposited {$60.00} cash into my checking account on XX/XX/22 there was an issue with the ATM machine and it said there was an error that occurred and I need to call a number. It then asked how much money did I deposit I typed in {$60.00}. Bank of America gave me credit for the {$60.00} so I didnt call the number to report the issue. 10 days later on XX/XX/22 I received a letter from the bank stating there was a shortage in funds on my deposit so apparently the money got lost or stuck in the machine and they deducted {$50.00} out of my checking account. My issue with the bank is they never did an inspection or investigation on the atm to see if there was any money lost in the machine. I called customer service Ive talked to XXXX different people and kept getting transferred to different associates who were nice but very unhelpful. They wanted to make sure they received a good survey even though they didnt help. One of them suggested I go to the bank and see if they could help me. I went down to the bank and spoke with the XXXX  XXXX XXXX XXXX at the XXXX location in XXXX, SC who refused to help she said I needed to call the disputes number which I had already done. I asked her were there cameras on the machine to see what happened that day and she told me I needed to call the number. She never even tried to assist me or take down my information to see if she could help me with the process or see if someone can do an investigation since it happened at her bank. Im so disappointed in Bank of America Ive been a customer for 23 years and nobody wanted to help me. What happens with the lost money in the atm? Does the bank just keep it?
Product: Credit reporting, credit repair services, or other personal consumer reports

You have clearly ignored my last complaint. I am asking for your company 's policy and procedures to ensure you following FEDERAL LAW. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection account was removed from credit report XXXX XXXX XXXX XXXX ). Equifax dropped credit score XXXX points, but should have increased points due to removal of collection.
Product: Checking or savings account

I went to the dentist and they messed my tooth up so my grandmother sued them. We got compensated from the disaster. Now I went to deposit the check my Citizens Bank account, I looked in my app it said XXXX XXXX and couple days later my account was closed. I get a paper in the mail saying my account been adjusted to XXXX and the check was already XXXX. I need my money for my new XXXX with my new dentist.