23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage is with Wells Fargo Mortgage and I had chosen to the property tax deferred program for my yearly property taxes. This is the 3rd year in a row that I have done a tax deferred program since I am XXXX years old. 
On XX/XX/2018 I received a letter from The Dallas Central Appraisal District stating that they had received and processed our Tax Deferral Affidavit and it had been approved. On XX/XX/2018 I sent a letter to Wells Fargo Mortgage along with a copy of the letter I had received stating that I had been Tax Deferred. On XX/XX/2018 I received a letter from Wells Fargo saying that they were going to pay my taxes, this is after I had sent them a copy of the letter from The Dallas Central Appraisal District. I continued to receive letters from Wells Fargo Mortgage demanding that I pay the taxes and I continued sending them letters stating that I had been approved for Tax Deferral. I also tried calling them and spoke numerous times to many different people that I kept getting referred to speak to by whomever I was speaking to originally. These people were supposed to have been resolution specialists for Wells Fargo and they were totally worthless! I noted 5 different specialists whom I spoke to, XXXX XXXX, XXXX ( don't have his last name ), XXXX XXXX, XXXX XXXX, and the fifth one was XXXX XXXX. All of them said they would look into my problem and call me back and not one of them ever returned my call. 
Their letter said that they had paid my taxes for me and wanted me to pay this back to them when I NEVER agreed to doing this nor would I have agreed to it being that I had been legally tax deferred and had a letter to prove it. Wait until you hear this!! They wanted me to put into my escrow account to pay this back the amount of {$12000.00}, and if I had paid my property taxes it would have been {$7100.00} so they were going to make off of me an additional amount of {$5100.00}. So in other words they wanted to increase my monthly mortgage payment from {$1900.00} to {$2500.00} starting XX/XX/2018, that is absolutely robbery and not legal to do! I have always paid my mortgage on time and been a good tax paying citizen all my life. I started and own XXXX XXXX XXXX and have owned it now for 50 years and I believe I am in the top 5 one owner XXXX  companies in the state of Texas and possible even the southwest. I have been a member of the XXXX  for over 16 years with an A+ rating, I do not deserve to be treated in such a disrespectful manner, I am no XXXX! In doing research online about Wells Fargo I could not believe they are already are being fined a XXXX dollars in lawsuits, what does that tell you?! I want to complain to the Federal Regulator but was told to complain to your company first.
Product: Student loan

I downloaded a payoff letter from Mohela and mailed a check on XX/XX/14 to the XXXX XXXX address listed on my payoff letter. 

Mohela cashed my check for {$15000.00} on XXXX XXXX ( Please note that the amount I sent is actually different from the payoff because I mis-wrote the check and owe them about another {$90.00}. ) I have uploaded my bank 's evidence that they have cashed the check. The transaction number is listed on the letter, and it specifically states that the transaction is MOHELA. 

I have called them twice, I have uploaded evidence of the payment, and the payment is still not credited to my account. I reached out to them two additional times via the portal. Further, they have charged me interest on my full balance. 

I have also filed a complaint with Student Aid. I don't know what else to do at this point.
Product: Student loan

I am attempting to get a loan paid off in full in XX/XX/XXXX reopened and payments made refunded. I asked for a refund from FedLoan on XX/XX/XXXX and was told it was in process. This was the case when I called back a week later to confirm. On XX/XX/XXXX when I called to confirm again they said I would need to go to XXXX and that they had no idea why a refund request was submitted. I have spent 2 hours on the phone with Fed Loan Servicing trying to find out what's going on. They repeatedly sent me to my new servicer XXXX XXXX who would then send me right back to FedLoan. 

Today XX/XX/XXXX, I spoke to XXXX at Fedloan ( Id : XXXX ) who told me I should just " wait and see there's nothing anyone can do ''. I asked to be escalated and she escalated me to XXXX ( XXXX ) who told me that my paid of of loan was being transfered to XXXX because FedLoan didn't have time to process my refund.
Product: Debt or credit management

i tried to get my scores up by purchasing a capital one secure card and look like every time i used it looked like it was hurting my credit instead of helping it and i reach out to them and told them i didnt need it no more its hurting my credit scores.
Product: Credit reporting or other personal consumer reports

I am still experiencing inquires appearing on my credit report as a result of recent identity theft.

The inquires I have listed are a result of the identity theft. I am ordering that you block these inquires within 4 business days in accordance with Section 605B of the FCRA to make my credit report 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Dear Sir/Ma'am My name is XXXX XXXX , I am writing to report wrong balance statements on my HomeDepot Consumer Credit Card which I have tried in vain to resolve the issue with Home depot Credit Card company . As you would like to know, after getting the wrong balance statement, I call the Homedepot Credit card company trying to resolve this issue but they keep running around with no one solving it. First, I talked to  XXXX of their representatives that resides in the XXXX and the lady ended up telling me that I should not have paid more than the actual minimum payments that are in the amount of {$47.00} per month-I am paying $ XXXX monthly in order to pay it off early. Before XX/XX/XXXX, the balance on my Homedepot credit card was {$1300.00} and on XXXX XX/XX/XXXX I walked into Home Depot store here in XXXX, WA and paid {$120.00} for this Credit card and on XX/XX/XXXX, I got a statement showing that my current balance is : {$1300.00} The second lady I talked to could not allow me to explain myself and ended up hanging the phone on me. Sir, Ma'am, I am writing to see if you could help me solve these problems. I attached all the statements balances. Thank you for your time. I look forward to hearing from you. 

Sincerely, XXXX XXXX Phone : XXXX E-mail : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. is reporting an account which they claim I owe {$7100.00}. The rst attempt to resolve this matter was received via certied mail USPS ( XXXXXXXX ) on XX/XX/XXXX. I request validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX XXXX XXXX XXXX XXXX. responded with an itemized document, printout of original contract. As per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verication. Not only was validation not provided, the documents contained a copy of a XXXX Drivers License. This is beyond alarming especially being I never resided in the State of XXXX, which you can veried based on my address history on all three credit reports.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. Again, XXXX XXXX XXXX XXXX XXXX. responded with an itemized document this time containing my former State of XXXX  driver license.

Due to nature of this inaccuracy, and the detrimental effect to my ability to grow my XXXX XXXX XXXX, I have led a Small Claim Law Suit in the State of Georgia on XX/XX/XXXX in the amount of {$3000.00}. XXXX XXXX XXXX XXXX XXXX. should expect a 2nd Original serviced to their Registered Agent, XXXX XXXX XXXX XXXX, in XXXX County within the next seven business days.

Laws included in Suit : 1 ) FCRA Section 623 2 ) FCRA Section 605 ( c ) 3 ) FDCPA Section 809 ( b ) FTC opinion Letter Cass From XXXX  If XXXX XXXX XXXX XXXX XXXX fails to come to an amicable resolution or attempts to have a schedule court appearance moved, XXXX XXXX XXXX XXXX XXXX   must be advised of other potential laws broken : 4 ) Metro 2 Compliance 5 ) FCRA Part ( A ) ( 5 ) ( B ) ( ii )
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX we spoke with Keybank and an agent told me I could convert my HELOC at my credit union to an interest-only, fixed rate ( at 5.5 % ) with KeyBank so I began the process. 
The communication was atrocious. I was asked for information repeatedly that had been sent over two weeks prior. It was awful. 
I later learned that the 5.5 % was a mistake and the rate would be more like 8.75 %. 
We went ahead with it anyway despite that major disappointment. And closed the loan in XXXX. At closing, I was told : 1 ) due to the problems wed get a .5 % discount and 2 ) after closing the HELOC as variable, we would lock it for a {$50.00} fee and it would be interest only and fixed rate. I have emails confirming this commitment prior to closing and at closing they made calls to XXXX again promised that after we closed the loan would convert to fixed, interest only. So we closed the loan. A few days later we were informed by the branch manager that KeyBank doesnt have a fixed rate, interest only. They only have a fixed rate principle and interest option, not interest only. Not being able to provide us the loan product which was the only reason we moved to them, our payment went from {$550.00} to {$1600.00}. TOTALLY NOT WHAT WE WANTED TO DO! 
The only option we had was to stay with a variable rate, but we never needed to do that. AND we had a {$250000.00} credit line now we have {$80000.00}. 
This was a disaster. 
Worse, I wish that were the end of the problems, we went in and filled out a form so that they could withdraw our payment monthly from our credit union checking account. We filled it out precisely as they asked us to as we sat in their office. 2 weeks later now they haven't withdrawn our payment, they sent us notice of missed payment and now added late fees. We keep trying to resolve this with the branch manager but he doesn't respond to me.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX of 2015. I was only employed by my job for 3 months. For some reason I don't qualify for the settlement even though I've paid more than XXXX on a vehicle I financed for XXXX. The interest rate is over 26 %. I have struggled to make my payments on time. This company refuses to let me see my internal score and has constantly participated in predatory lending to others. I would like to know why I don't qualify for this lawsuit when they didn't even take the proper steps to validate my information before providing me this vehicle loan.
Product: Debt collection

Two days ago, on XX/XX/2019, I received a letter from FBCS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( XXXX ) requesting a payment of {$430.00}. Their letter stated that my account had been refered to them by a medical office where I receive treatment. They stated that my failure to remit the payment would result in further collection attempts. 

I have verified, with the medical office named in the letter, that I do not owe, and have never owed, this amount and that they have never referred any of my information to FBCS. The medical office requested, and has received, a copy of the FBCS letter for their efforts and records. 

Though this FBCS company has my address and my medical office name correct, it miss spelled my last name as XXXX and does not offer the address of my medical office. If they truly had documentation from my medical office, they would have this information.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I 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 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 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: Debt collection

I called the collection agency and they told me the debt was sold to XXXX. I called XXXX to settle the debt using my bank account and the money was never collected. Then the original debt collection agency that sold the debt reported the debt with 4 missing payments, dropping my score by XXXX XXXX. The debt was never verified and has been sold by this collection agency. XXXX is also not reported on my credit report and the debt is showing under the original creditor and this debt collection agency, so I am getting hit twice on my credit report.
Product: Debt collection

Not sure about anything on the lvnv funding account and applied bank still shows up with no proof of the letter from my chapter XXXX Trustee off. Attached a screenshot shot all legal departments will be sent this complete to.
Product: Credit reporting or other personal consumer reports

I believe my information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting 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 Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Late 120 Days : Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number : XXXX : Balance : {$340.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I 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 am filing this complaint due to the mishandling of a charge-off account associated with my business by XXXX XXXX XXXX Despite my consistent efforts to resolve this matter directly with XXXX XXXX since XXXX of 2023, the issue remains unresolved. 

Issue Summary : 1. Failure to Issue 1099-C : XXXX XXXX has not provided me with a Form 1099-C, even though the debt was charged off and remains under their ownership. 
I have not received any written notification or documentation confirming the cancellation of the debt or explaining why a 1099-C was not issued.

If the debt has been forgiven or considered canceled, I require clarification as to why the form was not issued and reported to the IRS as required by law.

2. Improper Reporting to Personal Credit Report : The account in question was established under my business name. 
Despite being a business account, XXXX XXXX is improperly reporting the charge-off under my personal credit report, causing unjustified damage to my personal credit. 
I am requesting a clear explanation from XXXX XXXX as to why this business account is being reported under my personal credit instead of my business credit. 
Additionally, I am requesting this incorrect reporting be corrected and removed from my personal credit report immediately. 
3. Failure to Provide Proof of Ownership : I have repeatedly requested documentation proving XXXX XXXX ownership of the account, along with confirmation that the debt has not been transferred or sold to another entity. 
XXXX XXXX has failed to provide any agreements, contracts, or documentation proving that I am personally liable for this business account. 
4. Failure to Provide Complete Documentation : XXXX XXXX has not provided a complete account history or communication logs related to this charge-off. 
I am requesting a detailed account history, including all transactions, communication attempts, and any internal notes related to the issuance of a 1099-C or reporting of this account. 

Requested Resolution : I am requesting XXXX XXXX to : Provide a valid explanation as to why this business account is being reported under my personal credit report and to correct this reporting error immediately. 
Issue the Form 1099-C if the debt has been canceled or provide a valid explanation as to why it was not issued. 
Provide documentation verifying their ownership of the account, including all relevant agreements, contracts, and communication records. 
Provide a complete account history, including payment records, transaction logs, and evidence of all communication attempts. 
Confirm if this matter has been reported correctly to the IRS if applicable
Product: Credit reporting or other personal consumer reports

I got to removed off XXXX and XXXX. They investigated and it was not my accounts. I reached out to Experian sent them proof and explained I needed off ASAP. I'm about to lose my house. I'm trying to close through a VA loan and I'm going to have a baby in 2 months. They told me they would help me and get it off of that report since two companies already investigated it and agreed to take them off I just need to see what I can do to get this taken care of very fast
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.