23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

we signed up with freedom debt relief to help resolve our debts. we paid into an account from which freedom debt relief was to settle our debts. other than paying a monthly fee when freedom debt relief negotiated a settlement with a law firm representing XXXXXXXX XXXX. freedom debt relief charged us {$3500.00} as a fee immediately upon agreei g to settlement. Freedom debt relief took the {$3500.00} from our account long before the agreed upon debt was settled. the other issue is that once we paid freedom debt relief fee and negotiated debt we would ow more than the initisl debt. 
We terminated our association with freedom debt relief because of this unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response and this was my many attempts from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to delete these Charge off and late closed accounts : XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX Balance Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. 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. Please remove this item immediately.
Product: Debt collection

Received a letter from XXXX advising of debt without providing proof of debt being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 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.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XX/XX/XXXX( to cancel this debt ) and income is not reported on a credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is Experian XXXX XXXX XXXX XXXX Texas XXXX XXXX
Product: Debt collection

I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/2020. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Services requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/20. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond to reinvestigate this matter, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
Product: Mortgage

I am consistently charged late fees by Wells Fargo every month. 
Also when I pay on month x, it says that my " next '' monthly payment on the XXXX of month x, as if to say that I will always be late and the information post payment is not immediately updated so this perpetuates the confusion. 

Even during the pandemic I was assessed late fees! I contacted the bank on this matter and they tell me that they can only do one adjustment per year. 

I have had my mortgage with Wells Fargo since 2006 and have refinanced once with Wells Fargo also. I have always been current on my mortgage balance, Other issues I have had with Wells Fargo : - opening of account without permission - overdraft fees on debit card payment when I have never instructed the bank to go beyond available balance. 

The above mentioned issues were indeed resolved by the bank after numerous calls to customer service. 
I have never filed a complaint against this Wells Fargo but this time I feel compelled because I don't think that the bank is transparent about its practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

About a month ago, I changed my autopay settings to add a new bank account and to change the payment frequency. I also requested to delete old bank account that I no longer have access to. Despite making these changes, Earnest drafted my old bank account at on XX/XX/23 for {$990.00}. I have asked them to delete this account and to pay for these fees associated with their unauthorized debit of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK/EXPRES or Express i have reached out to on XX/XX/XXXX of XXXX, then again on XX/XX/XXXX of XXXX at XXXX. 

Refusing to remove and hanging up after numerous calls back. Seems to be removed from everything but XXXX report.
Product: Bank account or service

Do NOT include any personal information such as account numbers or Social Security numbers. 
I had a check hit my account during overnight processing - I was told by a represantive at the bank and customer service line that this happens at XXXX and XXXX in the morning. I was alerted my account was overdrawn around XXXX - I called told them that I was going to make a deposit and they advised me to call back once I had made the deposit and they would pay the check. I made a deposit at XXXX - I went into the bank where they informed me I needed to call customer service to make sure that the check was going to be paid. I called customer service who initially told to turn around and go back to the bank and speak with the Branch manager - I asked to speak with a supervisor - I was transferred to a Money Manager - who told me nothing could be done because the deposit was not made before XXXX and then said they needed to review the acocunt and speak with another Manager - I was placed on hold for XXXX hour and no one came back to the line. I called back and was told that it was too late and there is no such thing as a XXXX Manager and they had no idea what I was talking about. Extremely unprofessional, misleading and decietiful - all the way XXXX was the last represantive I spoke to and refused to provide her name or access to a supervisor. I had to ask several times - it is absolutely absurd that every the policies and procedures of a bank change depending on who you are speaking with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  must be removed from my credit report. I was denied credit due to this fraudulent account on my XXXX, XXXX, and equifax credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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: Debt collection

Wakefield & Associates continues to make false statements of not knowing of any account that references to my name but continue to post false statements to credit bureau as of XX/XX/XXXX, XXXXThis  company continues to post fraudulent information to my credit report. I've never had any contractual agreement with this. This company purchased this information and some how attached my name to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Credit reporting or other personal consumer reports

I have noticed discrepancies in my credit report with XXXX and XXXX regarding the age of my credit history. While my credit report shows my credit age history as originally two years and 11 months, my oldest account is actually five years old, with another account at three years. I request that the average age of my credit accounts be updated to accurately reflect my credit history, as this discrepancy is limiting my credit score. I believe my credit age should be at least five years, or ideally 4 1/2 years, to better reflect my creditworthiness. Additionally, I started my first car loan in XXXX and closed it in XXXX, which should be reflected in my credit history. I am actively working to build my credit, and I believe this update will benefit my credit profile. Your prompt attention to this matter would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

These three cases are currently in legal litigation/court, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX XXXX and XXXX $ I have attached ftc report and information XXXX the accounts attached I have also police report of identity theft with XXXX police department XXXX NC I ask that these accounts be removed immediately and fix my credit profile to reflect its correct status due to consumer financial laws
Product: Checking or savings account

I spoke with multiple people at chase bank inquiring about releasing a check from my tax return. They are holding my tax return for 8 days. Despite there policy of next day availability for treasury checks. XXXX the supervisor told me my account was to new and the treasury funds were not released to the check so there is no funding for the check. Based off of there availability policy. The check Could be put on hold if my account is 30 days or less open. ( which my account has been open for 90 days ). 
I have never had an issue with holding my tax return for 8+ days. 

XXXX told me he will exercise his right to hold my check the amounted time and will Not do anything to release it earlier. He told me since I was being technical with their own availability policys. I feel like I am being retaliated against since XXXX  is not upholding on his end of the policys for chase bank. Chase bank has had the original copy of my tax return since XX/XX/year> and refuse to release the funds until XXXX XXXX. I requested to get original copy of my tax return XX/XX/XXXX and they refused and sent me a legal copy that I can only cash at chase bank, but still hold onto funds.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plans as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The creditor accounts ( attached below ) has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting or other personal consumer reports

The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

XX/XX/XXXXINQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXXXX/XX/XXXXINQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXXXX/XX/XXXXINQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXX
Product: Mortgage

I am having a hard time with Ocwen removing a foreclosure from my credit report because they were able to resell the property at more then was owed on the loan. They would not work with us at the time to even modify the loan at rates we could afford. We had owned the house for over 7 years at this point and asked for the principle to be lowered due to what the property was worth so we could stay in the home. I talked to at least 50 people in the company because they were always assigning us a new case manager so nothing would ever get would ever get taken care of because the next person would have to start the process over and over each time. Then this led to an increased payment. I paid 2 loan modification payments which were never included in our loan and then the payments were always higher then what we agreed on. I are not the type of people to not pay my bills as you can see for the first home that I bought and now rent due to the foreclosure. I am at the point that I would like to buy another home and feel Im very capable of taking care of the bill each month as long as the lending company is sticking to their side of the agreements which I know that Ocwen did not. How can I get some type of help stating that Ocwen loan company did not try to really help me only really wanting to foreclose on my house??
Product: Credit reporting, credit repair services, or other personal consumer reports

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX # XXXX for the amount {$3700.00} us dept of ed/XXXX # XXXX for the amount {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?