23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Over the last 8 years the banks keep asking why the federal agencies ( OCC, DOJ and CFPB ) keep requiring the banks to agree with consent orders but refuse to admit to any wrongdoing. Illegal foreclosures, charging fees above the legal limits, financing terms that are not beneficial to the the borrower ( s ), minimum efforts to keeping people in their homes during the Great Recession and not reporting accurately to the XXXX credit agencies are to just a few examples. 

My personal issue with Wells Fargo is not reporting accurately to the bureaus, discriminating against me for legally filing of a Chapter XXXX, not updating the policies on Reaffirment Forms that the bank is requiring in order to report accurately to XXXX, XXXX and XXXX of my payment history. Wells Fargo refused to accept the bankruptcy reaffirment document prepared by my bankruptcy attorney so therefore nothing is reported at all. As a United States citizen I had the right to file a Chapter XXXX, the United States Bankruptcy Court agreed that I was bankrupt and granted a discharge. Wells Fargo had every right to attend the Meeting of the Creditor during the bankruptcy and elected not to attend, I completed the proper bankruptcy documents and forms which included under " Part A '' to reaffirm the debt under " Property No. 2 '' listed Wells Fargo Home Mortgage with the " Described Property Securing Debt : as XXXX XXXX XXXX, XXXX, TX XXXX which is recorded in XXXX XXXX Texas. '' I have called on multiple occasions that I reaffirmed the mortgage. It would have been impossible for me to continue to hold the liability of the mortgage if I did n't reaffirm the mortgage considering it 's been 4 years since the Chapter XXXX was discharged. Wells Fargo has refused to accurately report the payments since the filing, and has stated that there will not be any future payment history reportings as well. This has harmed my scores which has prevented me to reestablish my credit and is costing me major financial harm. I have paid the monthly mortgage payments on time. I demand that Wells Fargo reports the pay history to all XXXX credit agencies as paid on time from the month that Wells Fargo stopped reporting up until today and every month until the mortgage is paid in full. 
Wells Fargo would have foreclosed on the property either following the laws or not if the mortgage was not paid in accordance to the terms on the Note if the loan was not paid. Why does Wells Fargo decided whether they should accept the reaffirment documents from the attorney or not and why did Wells Fargo not send the reaffirment forms to me or my attorney when they had the legal obligation to do so? 

This needs to be addressed in my favor and it needs to be address right now. I want in writing a letter showing that all three agencies have been sent the payment history from XXXX/XXXX/2009 until present with no gaps. I want this completed and to me right now, not tomorrow, no excuses and I want any and all fees with any charges to my loan removed. Now!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency Equifax is missing two credit cards im my credit report. I already talked with the them and with the banks. The problem is not fixed yet. 
Bank XXXX XXXXXXXX XXXX card ending XXXX {$4400.00} credit limit missing by Equifax XXXXXXXX XXXX  card ending XXXX {$7500.00} credit limit missing by Equifax So the credit utilization in my report should be 20 % and due for this they are showing 25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

Lowes sent me a Settlement Release with the wrong Date of Incident. 
I have sent multiple emails XX/XX/2021 and XX/XX/2021 w ( attachment ) to XXXX XXXX in Lowes Executive Customer Relations notifying her of such. 
The Release Expires XX/XX/2021, Today ; yet XXXX XXXX has not returned any of my Emails or Phone messages. I also left a message in the General Mailbox at Lowes Executive Customer Relations. I also notified Synchrony Bank Office of the President, XXXX XXXX notifying her of the Matter. She has not returned my call either.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received numerous calls nearly daily from a debt collection agency Portfolio Recovery. I don't owe anybody anything. I have blocked every phone number they have used, but it appears they are spoofing numbers from all over the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any document authorizing SYNCB/XXXX  organization to view my credit history therefore, their inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I have disputed with them with a certified letter mailed out on XX/XX/XXXX19. I received a response from SYNCB/XXXX saying they will not delete these two inquiries I don't recognize below : Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry The two unauthorized inquiries are hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Product: Debt collection

After questioning the validity of the mortgage debt since they were not shown as active on my MIN number recorded by MERS ( Mortgage Electronic Recording Services ), XXXX could not explain why they were inactive on my NOTE and sold the claimed debt to Bayview Loan Servicing LLC on XX/XX/XXXX. Current MERS search reveals that XXXX was inactive on my NOTE MIN number since XX/XX/XXXX ( See attached document ). 
Bayview Loan Servicing LLC has been trying to get personal information from me but I have insisted that they validate this debt. They sent me a packet filled with old statements, photocopy of the NOTE ( which they do not show up as servicer of the claimed debt when I searched the MIN number on the NOTE on MERS ). Bayview has sent me letter of intent to accelerate foreclosure when they are not able to validate this claimed debt. I need them to validate this debt by providing a NOTE that shows them as a servicer of my MIN number and a Bill to the said account so as to confirm the default.
Product: Credit card or prepaid card

Originally opened the account in XX/XX/2016. Paid on time for two years, paid balance in full. Never used card again. Now it shows a balance of over 3,000.. Best Buy has recognized the fraudulent activity, sent me a letter a year after the fraud. Interest and charges added up to the amount now. I received a letter from a lawyer saying they have sued. I am having trouble getting Citi bank to accept information from best buy the store. I am unsure what steps to pursue at this time.
Product: Debt collection

Me and my wifes bank accounts were completely seized on XX/XX/2015 by ARSI for her being 10 days late paying her bill, she had not missed any payments and even paid the late payment. I had over {$1500.00} and she had over {$100.00} in our banks accounts. All the money in both our accounts are from paychecks being direct deposited from our jobs and now we have no way to pay our bills at the end of this month. This should be completely illegal to take all of a married couples money right out of their bank accounts and I want it all back. Please help me because i have no money to get a lawyer now to fight them and might be homeless over this.
Product: Checking or savings account

I was scammed..towards the end of the activity, when I realized what was happening..I shut down my computer, put a block on my account then called the bank and explained what had just happened and told them not to release the funds..They REFUSED! ... Said I would have to wait until after it posted ... then I ask Regions to put a block on my accounts to safeguard me and the bank from any more funds leaving the bank.. 
The next day informed the bank to unlock my accounts Now..Had scanned my pc for any lingering Malware. 
After numerous calls, emails, being on hold for hours..disconnected multiple times, They said they would in fact do that, but they have not done so and have been giving me the run around daily..this does not begin to show the terrible frustration from being bounced around from dept. to dept., person to person..Informed them I had many automatic .. payments that would be coming out of my account..Throughout this entire process they were given all needed id verification from me.They assured me there would not be a problem ... but..the auto payments were not paid and I began to get notices. 
They are going to ruin my credit by not solving my simple request ..their inefficient actions are unconscionable for a XXXX  dollar company and to treat their customers so poorly.. 
This issue could have been resolved in one ten minute phone conversation..but I have yet to get access to my accounts..The pandemic is no excuse for not being able to solve a simple request timely.. 
There are many more details ... too many contacts for me to list..too many emails..too many disrupted phone calls. One hardship to overcome was the bank 's policy not to give out direct phone numbers to the correct departments. 
It has been 11 days and I am still unable to access my accounts. 
Their phone answering system extremely user unfriendly, inefficient, very slow, disconnected often.. 
Sincerely Mr.XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a ccj which was paid within a month of the judgment and no one has removed it from my credit file?????
Product: Credit reporting or other personal consumer reports

I received an alert that my credit report had been pulled on XX/XX/year> by a company called XXXX XXXX. I never applied with their company and suspect fraud.
Product: Student loan

I have spoken repeatedly to Ms. XXXX XXXX with Navient throughout the month of XXXX in which she is still demanding that I settle my private student loans by the end of the month. Recently I have asked ( XX/XX/XXXX ) to lower the down payment from {$5000.00} to {$2500.00} before making payments, but nothing has come from this discussion. I tried asking to renegotiate the total repayment of the loan and that was denied also. In fact, I was further be belittled over the phone about how these student loans are my problem and I need to make a decision what to do by the end of XXXX. Furthermore, I tried explaining to Ms. XXXX that my job may be the chopping block due to market uncertainty. I am a XXXX  in an XXXXXXXX XXXX XXXX and our clients are beginning to cancel or delay projects again due to the ongoing pandemic Covid-19. Now, I'm asking for a delay on repaying this defaulted loan until the beginning of the New Year when we can re-assess how stable my income will be. Thank you.
Product: Credit reporting

I was the victim of identity theft and provided the required documentation and it was added.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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 received a collection letter from XXXX XXXX XXXX on XX/XX/XXXXXXXX  stating that an account was in collections in my name from XXXXXXXX XXXX for {$610.00}. I contacted XXXX XXXX XXXX since I'd never heard of the bank nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXXXXXX XXXX  with my name living in another state. It was paid on a couple of times before XXXX sold it to XXXX XXXX for non-payment. I was told that I had to state my case solely with XXXX XXXX. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. XXXXXXXX XXXX placed a delinquent account on my credit report and say they can't remove it because they sold the account to XXXX XXXX. XXXX says they can't remove it because they didn't place it. I have many complaints about this with TransUnion and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from XXXX XXXX XXXX stating that this isn't my responsibility. I want this fraudulent information off of my credit report.
Product: Checking or savings account

I mailed a check to the IRS. It was stolen and the recipient on the check was changed. The check was then cashed. Wells Fargo says they won't help me because I took too long to tell them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to gain credit, its my understanding that the credit bureau will investigate this information on my behalf. Here are the accounts Im asking you to verify as accurate. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Escrow Errors : I was notified by mail in XX/XX/2019, that my escrow account was short in the amount of {$4600.00}, and that I had 2 options to make this payment : 1. To pay the {$4600.00} in full right away. OR 2. My monthly mortgage payment beginning XX/XX/XXXX, would increase from {$1500.00} to a new monthly payment of {$2200.00} I made a phone call to LoanCare on XXXX XXXX, spoke to a customer service representative who advised that I did not owe {$4600.00} and in fact needed to pay {$5300.00}. 
I made the full payment over the phone on XX/XX/2019 in the amount of {$5300.00}, thus, causing my new monthly payments, effective XX/XX/2019, to increase to {$1800.00}. 

Payment Errors : In XXXX I began receiving notices that my mortgage was late. After making my first phone call of many to LoanCare, I was told that my monthly payments were never adjusted even after my escrow was paid in full. LoanCare was collecting and holding my payments of {$1800.00} and deducting {$2200.00} from the holding account to satisfy the payment for 1 month, that began XX/XX/2019. This is still an issue even after several conversations with their staff to correct the issues. 

I also called on NUMEROUS occasions to have payment history corrected and ask that LoanCare contact the Credit Bureau to correct their reporting that my payments had been late. ( see evidence of payment below ) We are now at the End of XXXX and THESE ISSUES HAVE NOT BEEN RESOLVED.
Product: Credit card or prepaid card

See enclosed statement XX/XX/XXXX Adjustment Purchases Temp Credits Confirm beginning of fraud investigations listed XX/XX/XXXX. see attatched XX/XX/XXXX WERIFY USAA CREDIT CARD FRAUD CHARGE If you still believe fradulent No Action needed by you we will pursue this as fraud on your behalf {$49.00} THIS WAS NOT REVERSED AND NEEDS TO BE MADE A PERMANET FRAUD CREDIT The temp one is listed XX/XX/XXXX. See attatched XX/XX/XXXX Letter says same thing Lists transactions {$10.00} XXXX XXXX XXXX XXXX THESE DID NOT REVERSE AND TEMP CREDITS NEED TO BE PERMANET. see attatched XX/XX/XXXX says same thing {$12.00} see attatched XX/XX/XXXX Letter says same thing transaction {$12.00} THESE DID NOT REVERSE. All these temp credits NEED BE MADE PERMANET. 
???? HAS USAA COMPLETED THESE INVESTIGATIONS begun OVER A YEAR AGO?
Product: Debt collection

On XXXX XXXX,2020 i submitted a complaint to CFPB for Midland Credit Management , Inc and was assigned assigned complaint number XXXX. I asked for validation of debt which was received by them on XXXX XXXX2020. I submitted a letter with specific instructions and still haven't received it. I will attach the letter for your records. The only response i received was billing statements and letter. I'm not satsified with their response. Nowhere in the response from them have i received copies of agreements bearing my signature that i agree to pay what they say i owe.
Product: Mortgage

We took out an equity line of credit with TCF bank in XX/XX/2020. The terms were to pay off an IRS lien and a check was issued for {$57000.00} to our home made out to the IRS to pay off this lien. We received via overnight mail as promised and had an appointment the next day to meet with the IRS as planned. When we arrived at the IRS, the building had closed due to COVID-19. After months of waiting to see if they would re-open we called and the IRS said we would either need to send in the check or pay online. The amount had changed on the lien and was now lower in the collections department. So we contacted TCF bank XX/XX/2020 and asked what our options were to try to move forward. The customer service rep said he spoke to a supervisor that said we should sign the check and write not for purposes intended and overnight back to them. It would take them 3-5 days to reconcile the account and then we could use the card we were issued to pay online. On XX/XX/XXXX we sent via USPS overnight mail and I called on XX/XX/XXXX and confirmed they had received. From that first contact I have been told something different every time I call. I have been told they don't have my check, my check is lost and to be patient. The last conversation has now been over two weeks ago when they said the only resolution they had was to re issue the check back to me again made out to the IRS for the same amount. I agreed to this and they said to allow up to a week for it to be issued and mailed to me. At this point I can't reach anyone and have been on hold for hours. This company merged with another bank and I was not issued any information about an updated loan number or how to pay on my loan. So now, when I call they tell me I should have received a new account and they cant talk to me. Currently I am making payments and have not paid the IRS and have not received my check back. This bank is completely incompetent. I tried on several occasions to escalate this to a supervisor but that seems impossible also. I feel they have absconded with my money. The customer service is the worst I have ever experienced.