23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX we entered into the Covid relief plan with our mortgage company Wells Fargo. Wells Fargo advised that the unpaid balance would be put on the back of our loan. XX/XX/XXXX Wells Fargo sold our mortgage to XXXX XXXX  with the balance not paid during the Covid relief as past due. XXXX then was requesting the total amout due to be paid up front. We could not pay the balance therefore entered into the same Covid relief plan. Wells Fargo never discussed selling our mortgage nor selling it with a past due balance. We have since had late payments reflecting on our credit report from XXXX. We have never had a late payment for our mortgage until now. I feel the whole Covid relief was not of any help to us, and has caused more harm. The fact that Wells Fargo sold our mortgage while we were actively in the Covid relief plan made the whole process confusing and frustrating. Wells fargo also claimed that they spoke with my husband and was told to terminate the Covid relief which was not true. The only correspondence we receive was an email asking if we wanted to continue with the relief nothing had to be done at that time. In XXXX we were told our Covid relief had stopped with Wells Fargo therefore we resumed payments. We made payments from XXXX to XXXX when our mortgage was sold with the past due balance.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Dear sir, I have received an email which had two attachments regarding the XXXX  XXXX XXXX. Dispute Case ID is XXXX, and account # is ending number of XXXX. As one victim of fraud, I do not believe the written addresses because I am not sure whether my personal documents have been arrived to the office. In this letter, your company employee stated the reinvestigation confirmed that the information in my file was accurate ; however, I have received two different documents around the end of XXXX. I want to know why you can say my file is accurate without proving and showing me which file is accurate. Since one of the files is difficult to understand, I request the explanation to understand myself. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Demand for Validation of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XXXX Balance : {$530.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports. 

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated XX/XX/XXXX to your company and to the creditor on XX/XX/XXXX ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. XXXX has since removed this inaccurate account since XXXX was not able to verify it even after my dispute letter. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to say that this account will be removed in 5 days or I will proceed with legal action. Attached is the dispute letters dated and time stamped. I have also included an updated copy of my XXXX report showing that the account was removed between XXXX and XXXX of XXXX.
Product: Mortgage

I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX, XXXX, already had a 30-day trial membership and was charged XXXX in XX/XX/2019. Currently, I can not get into my account, I paid for in XX/XX/2019. I never had a problem signing in before the 30-day trial and the {$19.00} charge. Experian system keep taking me to a screen for a 30-day trail membership for {$9.00}. The bottom line, I can not get into my original account and it is hard to communicate with a live person.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax Credit reporting agency block information appearing on my consumer credit report that is\nthe result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All\n of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint\n XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was XXXX  and there was a mortgage in my name same thing happened in XXXX of XXXX with an auto loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I certified mailed a clear and legible notarized FTC Identity Theft Report to Equifax. Along with clear and legible copies of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Equifax received it on XXXX XXXX. I called Equifax on XX/XX/XXXX I was told that the documents weren't clear or able to be read. And that I needed to re-submit them. I was given a fax number to resubmit the documents. I filed two new FTC Identity Theft reports to make sure they were legible, clear and that every box was filled in. I then faxed all of my documents to XXXX. I received a confirmation that Equifax received the fax on XX/XX/XXXX. I called today and spoke with a representative from Equifax by the name of XXXX. He said the system couldn't authenticate me. I asked to speak with a supervisor. I was transfered to XXXX XXXX He said his ID # is XXXX. He and XXXX both initially said they couldn't see my documents. But that they were not legible again. I said that is not possible. He then said Oh now I can see them. Yes they are not clear. They have a XXXX spot on them and are blurry. So he said for me to send my documents in again. And a letter requesting to be authenticated. I AM SOOOO UPSET. Equifax is playing games and violating laws. They received clear legible documents. I will attach the documents that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled a credit report on me using only my name and year of birth while I was applying for their apartment. They didn't use my exact date of birth or any other personal identifier. However, they still got a credit report from TransUnion with totally wrong information in it which I believe was from someone else with the same name and year of birth as me. Also, the credit report didn't include enough personal identifiers that could be used to prove it's my credit report. This could be a violation of Section 607 ( b ) of FCRA.
Product: Checking or savings account

When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}. 

I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees. 

I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.
Product: Student loan

I was a Co-Signer on a Student Loan with Sallie Mae for My niece XXXX XXXX. XXXX attended and XXXX from a XXXX XXXX University earning a XXXX XXXX. To complete her studies she needed to borrow 9 loans from Sallie Mae currently totaling $ 260k plus with initially monthly payment of {$3300.00} but was able to get it reduce to {$1000.00}. The reduce monthly payment amount is a an extremely hardship since her income is barely keeping a roof over her head. XXXX  conversations with Sallie Mae Representative have been confusing and processing of the agreement to make the reduce monthly payment went through several clutches. For example she was enroll in auto pay where the fund was not withdraw from the Bank and after making a manual payment the fund was finally withdraw so this was double payment. Sallie Mae contacted me as the Co-Signer when she was two days late on a payment and now I am being inordinate with Sallie Mae calls requesting for Loan Payment. I understood that Co-signer only repay loan when the Signer default. XXXX has not defaulted and is making concerted effort to meet her monthly repayment. So now Both XXXX and I are being terrorize by Sallie Mae Student Loan Repayment. Off course she is totally stress out trying to get several job to meet this loan monthly payment demand. So what is our rights? and A Legal Remedy to get an affordably monthly payment. Is there any Loan Forgiveness Program for a Sallie Mae Student Loan
Product: Student loan

Ed Financial Account is disabled for MONTHS, tried calling SEVERAL times and never get to speak with anyone, wait on the phone for long periods of time and get hung up on. Tried live chat with zero help, tried emailing with NO response. Set up auto pay months ago and they took one payment and havent taken a payment since making it late. I cant login to my account to fix or pay because it is disabled code XXXX! I have tried everything I know to do to resolve this issue with zero luck!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. It was reported that Equifax was hacked back in XXXX and lost close to 145 million people 's personal information, and they did not disclose this information until just recently on  XX/XX/XXXX. Equifax executive 's actions leading up to disclosing the hack of user information was criminal and dishonest - they dumped their company stock to reap financial gain on behalf of this terrible news. This is a perfect example of insider trading. I 've reached out to the company via phone but have not made any meaningful contact to determine if I was actually impacted by this hack. I 'm thoroughly outraged at Equifax actions and am worried about my personal information being stolen or provided to the public. I respectfully request serious action to be taken and that Equifax employees who acted immorally or against the law to be personally held liable for their actions. I am highly suspect of fraudulent behavior from Equifax.
Product: Mortgage

I have a mortgage with XXXX XXXX XXXX and refinanced in late XXXX. Payments were always auto pay and since the amount had changed the first 2 pmts were not processed. I spent hours on the phone and throughout the process had two late pmts reported to my credit and told by XXXX XXXX I'd have to work through the extensive process of appealing their reporting to credit without a care in the world from them. Once payments were finally on track for nearly a year I once again rec 'd a notice that my XX/XX/XXXX payment is delinquent, and again reported to collections and, again, credit destroyed. These payments all cleared my account and once the XX/XX/XXXX payment was reported delinquent with late fees and reporting, along with continual receipt of letters in the mail and calls to both my lender and my bank on conference with XXXX XXXX XXXX it was indicated that the wrong loan number was on the checks from my bank... the exact same loan number that was ok to process for nearly a year each month prior. After clarifying the issue this lender told me they already reported to collections, even though payments were made on time like always and that I was wholly responsible to walk through the lengthy time consuming process to dispute their filings without any input or assistance from them. Now, in XXXX and into mid XXXX, XXXX I'm still receiving delinquency notices for the XXXX payment that was XXXX directly to this lender along with the supposedly delinquent XX/XX/XXXX payment. And, the XXXX payment is now delinquent... already cleared my account and the loan # matches perfectly on my auto payment. Now I'm spending more time on the phone and zero assistance, was even hung up on while on hold to speak with a manager or anyone capable of helping their so called costumer. I've had numerous mortgages over decades and have never experienced anything so unbelievable and incompetent. I will highly recommend NOT working with this lender.
Product: Debt collection

I have never had a XXXX account in my name, this is not my debt. My husband has XXXX  in his name and the account is in good standing. If there was a debt owed prior to 2016 we declared bankruptcy and that would have been included then
Product: Credit card or prepaid card

I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 
The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
I received A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Payday loan, title loan, or personal loan

The account has be charged off consumer still reporting late payments after letting the know im affected by COVID-19 issues
Product: Checking or savings account

I did not approve the XXXX transactions that were taken from my account via debit card, in the total amount of {$4500.00}, dated on XX/XX/2023. These transactions were taken from my account within hours, and I was never alerted by Chase. I never heard of the company that withdrawn from my account ( PP XXXX  T XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX CA XXXX XXXX I was informed by the claims department that the claim is now closed, they investigated and claimed that I had approved these transactions, however I did not. They informed me there is nothing they can do to have my money returned unless I provide documentation that I did not approve these transactions, which I did provide any other information I had. I was also informed to try to contact the merchant directly, however when I research both merchants, I can not locate this business or any contacts. I feel this investigation was not properly done, as you can clearly tell this is a case of fraud. I had also mentioned that my phone was hacked, which then I had reached out to XXXX directly ( XX/XX/2023. Case # XXXX ), then on the XXXX all of these transactions occurred. This money is part of my savings and now I am not sure what to do at this point. I have been banking with Chase for close to 20 years and I am very disappointed in the way they are handling this. I was under the impression that my money was federally protected. I have opened this case with Chase XXXX additional times, both times that have rejected the claim.