23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX I have an active Case number : XXXX, XXXX # XXXX. I am in need of immediate intervention. XXXX XXXX XXXX @ WELLS FARGO ( WF ) is not returning any of my messages and a TRUSTEE sale is scheduled for XX/XX/XXXX. I believe would be unlawful and deprives me my right protected by the XXXX Am.. [ XXXX ] or shall any person be deprived of life, liberty, or property, without due process of law. 14th Am.Sec. 1 [ N ] or shall any State deprive any person of life, liberty, or property, without due process of law. I can not afford a lawyer so my court filing process is slow and unsure. I Received a fraudulent response to my QWR rec. by WF on XX/XX/XXXX ( ex.a ) from XXXX XXXX XXXX XXXX @ WF ( ex, b ) on XX/XX/XXXX, clearly a violation of the 30 day required response pursuant to sec. 6 of the RESPA. The cover sheet document was back dated XX/XX/XXXX, clearly suspect, since it was mailed on XX/XX/XXXX 8 wks. after. WELLS FARGO ignored my QWR. Instead XXXX XXXX XXXX posed XXXX questions of his own ( 1. Who is the investor of the account? 2. Why are you calling us? 3. What are my options? ) all of which I never asked, falsely attributing said questions to my QWR. He also sent me copies of closing doc 's which I already have and did n't request for. I need proof they have proper standing and authority. Total disclosure, especially since WF has a vast documented history of fraud and criminal activity regarding mortgages. Reviewing the " NOTE '' XXXX, endorsed XX/XX/XXXX Specifically sec. XXXX. BORROWER 'S PROMISE TO PAY, it states " In return for a loan that I have received, " past tense " We received no such thing on or prior to XX/XX/XXXX. Evidence the purported lender failed to satisfy their obligation as to the specific terms and requirements spelled out in the purported AGREEMENT/CONTRACT/ NOTE/ DRAFT. The purported lender failed to perform their obligation to the terms stated. It is presumed, XXXX XXXX XXXX has been intentionally withholding vitally important information regarding the purported loan, WF 's claim to be the holder in due course and alleged TRUSTEE NATIONAL DEFAULT SPECIALISTS CORP.S authority to execute said TRUSTEE SALE, depriving me of my right to due process. For 10 month 's I have been asking for information, and have gotten nothing, from XXXX XXXX XXXX @ WELLS FARGO. NOT EVEN XXXX single phone call, that I 've requested for many times in speaking to other WF employees after getting XXXX XXXX XXXXvoicemail XXXX, extension XXXX I 've asked them many times, to record our conversation and send it to him so he can prepare himself for our conversation, I realize he may have a busy schedule and this would ensure efficient use of his time. He has had many opportunities to speak with me ( 10 months worth ). It appears he will avoid contact and elude his legal responsibilities until after WF steals my home. I am requesting intervention if at all possible to stop this TRUSTEE SAle. Thank you.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This CAPITAL ONE with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Product: Mortgage

My mortgage servicer changed from Selene finance to another company, Selene drafted my payment even though they were no longer servicing this mortgage and did not apply it to my mortgage. I have found no way to get in touch with Selene finance because according to their phone number they no longer service this loan and therefore I can not get a person on the phone to address this issue. I have called multiple numbers that I found online with XXXX success, as well as emailing them with no response. I ended up disputing this charge with my bank and it is thankfully going to be reversed but this is unacceptable from Selene finance.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit report that are causing undue hardship in my efforts to improve my life. Recently, I have been striving to refinance my vehicle and secure a new apartment. However, I discovered several damaging errors on my credit report that are severely hindering these endeavors. 

I have always maintained a diligent approach to managing my finances, and these inaccuracies are not only unwarranted but also profoundly unfair. As I understand it, under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to an accurate credit report. Specifically, the law mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they compile and distribute.

The inaccuracies on my credit report are a defamation of my character and have a detrimental impact on my life. The errors have resulted in higher interest rates for refinancing my vehicle, and potential landlords have declined my rental applications. This situation is causing significant stress and preventing me from making the positive changes necessary to better my financial stability and overall quality of life.

Refinancing my vehicle would allow me to secure a lower interest rate, thereby reducing my monthly expenses and freeing up much-needed funds to support my family. Similarly, moving to a new apartment is crucial for my well-being and personal development, as it offers a safer and more supportive living environment. 

The importance of an accurate credit report can not be overstated. It affects many aspects of daily life, including the ability to obtain employment, secure housing, and even access basic utilities. The errors present on my credit report are not only inaccurate but are also causing me emotional distress and financial strain. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and take appropriate action to ensure that these inaccuracies are corrected promptly. I believe that adherence to 15 U.S.C. 1681 will not only rectify my current predicament but also prevent such issues from occurring in the future, thereby protecting consumers from unwarranted harm. 

Thank you for your attention to this serious matter. I am hopeful that with your intervention, my credit report can be corrected, allowing me to continue my efforts to improve my financial situation and secure a better future for myself and my family. 

Sincerely, XXXX XXXX
Product: Debt collection

I request Source Receivable Management send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer have no contract with Source Receivable Management nor have i done business with them. i, the consumer only participates in a consumer credit transactions i the consumer doesn't own a debt, its alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment I'm the original creditor, lender, executor administrator and holder in due course.
Product: Checking or savings account

In XXXX of XXXX, {$500.00} was transferred from my checking account from Wells Fargo without my authorization. 
In XX/XX/XXXX, {$8000.00} was transferred from my checking account without my authorization. Numerous attempts were made to resolve this problem but were unsuccessful. 
I recently closed my accounts with Wells Fargo.
Product: Credit card or prepaid card

On XX/XX/2023, I hired a HVAC installer named XXXX XXXX through Home Depot to purchase and install heater. They offered to do the job at {$8000.00} with 24 months interest free financing offer. I took the offer as 24 month interest-free means additional 10 % discount given 5 % risk free rate. 

After the job is done, within a month, Home Depot sent out a credit card statement saying that I have a monthly payment due. I believe that was late XXXX. I immediately called the number at the statement, which turned out to be Citi 's credit card department. I let them know that I signed up for 24 month interest free promotional offer, and the agent confirmed the offer. I made sure that this is not an installment payment, but bullet payment without any interest as long as I pay the full amount in 24 months, which the agent agreed. 

However, with a month they sent out another statement in XXXX stating that I have a monthly payment due again. So, I called them again in the third week of XXXX, and made sure that I don't have any payment due, which the agent agreed again. I demanded written confirmation, and the company sent out a letter stating that this is a 24 month promotional offer, but didn't mention anything about monthly payment. 

Yesterday, on XX/XX/XXXX, I found another statement saying that I have a balance due with a late fee. I called again, and now they are saying that I have a minimum monthly payment due each month. I complained about their misleading statement and demanded them to listen to the previous conversation. An account manager listened to the files and admitted that their explanation was indeed misleading and not clear. They offered to waive fee but still asked for minimum payment, and I offered to pay for it as the account manager said there is nothing she can do to prevent minimum monthly payment.

Throughout the entire process, Citi 's explanation was at best confusing and misleading. I don't think Citi or Home Depot should have taken such misleading offers to the customers. They didn't send any contract nor disclosed any expected monthly minimum payment before sending out statements, and even after receiving the statement, they failed to mention that there is a minimum monthly payment needed. 

I urge CFPB to crackdown on such misleading offer because I would not have taken the entire offer knowing that this is not 24 month interest free as they promoted.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy under 15 US 1681. 

Account Name - XXXX XXXX XXXX XXXX {$320.00} ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXX XXXX L XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXXL XXXX XXXX ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXX {$0.00} BALANACE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX XXXX {$0.00} BALANCE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX IN ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) Each of the above 1 - 25 has per 15 US 1681 VIOLATED MY RIGHTS.

15 U.S.C 1681 Section 602 a- States XXXX, XXXX XXXX XXXX XXXX have the right to privacy. 

15 U.S.C. 1681 Section 604 2- States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information and /or any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been submitted letters, calling and unable to speak with proper person. I am the attroney in fact and secured party and demand accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts : XXXX XXXX XXXX This accounts are in violation.

15 U.S.C. 1681b permisible purpose of consumer reports.

Credit reporting agency does not meet any circumstances.
Product: Credit reporting

I have checked the credit score every Six weeks with XXXX on XXXX website which is from Transunion.com. Every time I checked it drops another XXXX points. This happens every XXXX to six weeks. 
I am never late, I do not have new accounts or new inquiries. I do not max out accounts. There is no logical or obvious reason for the drop except Transunion feels like taking XXXX points every time they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation dispute to company to provide me proof of late payments which i have yet to receive payments were never late instead company added late payments for XXXX and XX/XX/2021 as 60 and 90 days late when it was current I am asking for these payments to be marked " payments never late '' as they never where late thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've worked really hard over the past year to clear up my debts and improve my credit scores with XXXX XXXX, and Transunion. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!
Product: Credit reporting or other personal consumer reports

Experian 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 filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected or removed dispute the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my final notice that the items I disputed on my credit report were not validated and may have been due to the XXXX data breach. See the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of XXXX, I am expecting the following accounts to be removed within 14 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the attached itens in my credIt credit report have been xharged iff as bad debt. Under united states federal tax law it is fraud to collect any debt ( see attached ) that has been writtteb off on their federal taxes. Im simply asking equifax and XXXX to follow the law and remove these items from my credit teport. If not i will file a complaint in federal court that both comoapanies are engaging in fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent accounts on my report, Please remove all fraudulent account. Thank You
Product: Checking or savings account

On or about XX/XX/ between the hours of XXXX XXXX  and XXXX I attempted to make a {$40.00} deposit at a Bank Of America, ATM. It was at the location of XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This deposit was to cover a payment I had coming in. 
I went to the drive thru ATM ( XXXX ) to make the deposit. After putting {$40.00} in the ATM it gave me {$20.00} back and then froze. Then about 3 minutes it changed to the opening screen. It was if I was never there. 
I did not move my car and went in to the branch to speak to someone about what just happened. The representative told me that there was nothing they could do, I would have to call the number on the ATM. I made it clear that I had to make a deposit to cover a payment and I had no other funds. He said once again to call the phone number. 
I called the phone number and the person was rude, so I had asked to talk to a supervisor. After waiting the phone hung up on me. 
I have a bad XXXX and XXXX XXXX XXXX. These kind of problems is hard on me. This is the third time this happened to me and each time it has cost me time, money and my health. They are charging me {$35.00} for an overdraft fee for the same check the {$40.00} would had covered. 
On the XXXX of XXXX they charged me {$35.00} because they said my deposit was after XXXX mountain time. I live in California which is 3 hours different. Even though I have a receipt showing a positive balance on the XXXX. It became negative after they back dated the {$35.00} fee. 
This is terrible to do to a person during a time of a so many problems as it is.
Product: Mortgage

We are having trouble with Freedom Mortgage Company making payment for our property taxes from our escrow account. On XX/XX/XXXX, I contacted freedom mortgage through email asking for our taxes to be paid and for a response about why they had not been paid. I received a response to add a loan number for clarification. On XX/XX/XXXX, I emailed again providing our loan number for clarification, and another request for taxes to be paid. At that time, I again mentioned that our taxes were late and had not been paid. I still received no response. The only response that I received was an automated response form letter that said I should hear back soon. On XX/XX/XXXX, I received a certified letter from the City of XXXX warning that our property taxes would be sent to tax lien on XX/XX/XXXX. I immediately called Freedom Mortgage to ask why the taxes had not been paid. At this time, I spoke to a woman named XXXX who said she would open a new ticket. She could see that I had a ticket already submitted but that nothing had been done on it. I submitted the new ticket and added all documentation. After waiting 24 hours, I decided to check in on the status of my request. This time, I spoke with a man named XXXX. I told XXXX my situation and he told me that he could not see any of the documents I had sent. He said they must not have been uploaded yet to the Freedom Mortgage site from my emails. I immediately asked to speak to a supervisor, and I was told that I was not able to speak with a supervisor, rather, that he could solve my problem. After outlining my problem, and asking for my taxes to be paid from my escrow account, I was told that he can not guarantee anything but he would put in a ticket. I then asked to speak to the tax department, and was told that the tax department does not have a phone number. He told me he could not transfer me to them either, as there is no direct line. He continued to say that I was speaking to the right person. I asked him to talk to his supervisor and was not given access. He then spoke with his supervisor, as I requested to get my ticket expedited, as our property will go to tax lien in less than a month. I was told that there is no such thing as expediting a ticket. After complaining many times and threatening to go to both HUD and the XXXX XXXX XXXX, I was told that they may be able to give me an answer by next Tuesday but they could make no promises. It was at this time that I decided to issue a complaint with XXXX XXXX. At no time, has anyone apologized for these issues or non-payment of my taxes. I have also received no explanation as to why they were not paid. I was told that {$10.00} was paid on XX/XX/XXXX. The City of XXXX has no record of this payment. The total amount in our escrow account is almost 3 times the amount due in taxes, yet Freedom Mortgage can not make payment or provide any answers.
Product: Student loan

NelNet is reporting a closed account as still open. My student loan was transferred to another company ( XXXX ) in early 2022. XXXX cancelled/forgave total balance in XX/XX/2022. Nelnet is still reporting my account as open ; the two separate loan accounts I had with Nelnet were both transferred to XXXX. All three credit reports show the Nelnet accounts as still open. The Nelnet accounts are listed as open accounts with the credit reports and not listed as accounts paid in full and/or closed accounts. They were paid in full to Nelnet in early 2022 due to the transfer of lenders.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and requested the removal of this fraud account multiple times. I went back and forth with the bureaus since XX/XX/XXXX but to this day, the fraud account is still on my credit report. 

Please delete XXXX XXXX XXXX - XXXX - date opened : XX/XX/XXXX ASAP. 

and delete these fraudulent inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

I have aattached my new and old FTC reports along with my IDs