23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage. 

Was in arrears with this company on my home. Decided I'd better sell before it was sold. 
Had two offers on house from XX/XX/XXXX and XX/XX/XXXX, and was ready to go to table, however Wells Fargo denied the sales because they said it was not enough money. However, buyers were pre-qualified. Real Estate agents had all figures to substantiate a good sale. 

My real estate agent ( s ) submitted reams of paperwork to assist with a sale, a short-sale, any type of sale to buy time and stay the idea of foreclosure. Wells Fargo did not even attempt to help with the sale, so they could get their money for my mortgage. 

I spent hours working with Wells Fargo people to help do a restructuring, to have NO-ONE return phone calls or emails. 

I spent hours talking with Wells Fargo attorneys in XXXX, PA to give me advice as how to avoid foreclosure, and to go to litigation for assistance on keeping home until I could get it sold. Went so far as the attorneys stopped returning emails and phone calls. SO UNPROFESSIONAL!

I was advised by the attorney secretary to : check on a Deed-in-Lieu, which is something that Wells Fargo has to refer you for. I just double checked with the Deed-in-Lieu department here and this is a request that has to go through Wells Fargo. When I forwarded your prior request they advised for you to call them.

After calling and calling to Wells Fargo, and being told that individuals would be in contact with me, I about gave up hope. 

I lost my house in XXXX. Not a word from any Wells Fargo administrator or their attorney 's that I was going to foreclosure. Just a nice notice on my door one day that my house was up for sheriff sale. Shouldn't I have received some sort of date-stamped document that said my house was going to foreclosure? Because of Wells Fargo underhanded manipulative ways, I lost my home, I lost most of my furniture, and I lost all my family pets. I have been put through turmoil because of their tactics, and KNOW I need some type of compensation for pain, suffering, having to find a new location to live, moving expenses, and the cost of losing everything mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.
Product: Debt collection

When I got to know about the debt collection via credit karma notification, I immediately called the debt collector company TSI ( trans world systems inc ) to get more information on the debt. 

On XX/XX/XXXX, I called TSI and was informed to me that there is a debt on my account and if it is cleared, this will not be reported to any of the credit bureaus and the account will be closed. 
I was given a discounted price to pay of the debt and I was under the impression that by paying off, I will be safe as they will not report it to any of the credit agencies. So I settled the account on the same call and thought everything is settled per my community with the TSI agent. 

On XX/XX/XXXX when my loan officer tried to pull the scores, I got to know that the debt collection has been reported on your credit history and I was shocked to see that. I was under the impression that the account will be settled and it will not be reported to anyof the credit agencies but TSI has reported to credit agencies even after me settling the amount.

Please look into this at the earliest as I was almost about to buy a home and die to this unexpected reason, I had to hold off from buying a home for my family.. I got penalized even after settling the account.

I also reported this to TSI and they are doing an investigation on this from there side. 

Paid off the account on XXXX XXXX, XXXX XXXX reported to credit agencies : XXXX XXXX, XXXX ( as paid status ) where they told me they will not report after me settling the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXXXXXX XXXX XXXX, I have put in many requests for investigative consumer report due to inaccuracies noticed on all XXXX of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports. 
The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions. 
According to : 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, it seems Wise.com changed their policy and now required a physical " trading '' address where I work. 

My registered business address is XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

This is technically a po box , but widely accepted as a valid registered address. 

Wise.com refuses to accept this address, telling me they need the address of where I physically do the work. That address is my home, and has no affiliation with my business for official documentation purposes. 

When I asked them to rectify this, they told me I have to submit a trading address where I physically work. When I asked them why, they said they are subject to " regulations. '' When I asked, " what regulations, '' they did not answer. 

They can not provide any reason besides I tacitly agreed to it when they changed the user agreement ( I do not recall being notified of this change ). They are threatening to close my account if I don't provide PII that is completely unrelated to my business. 

No financial institution I work with has this requirement, and Wise.com can not tell me why they have it.
Product: Mortgage

On or about XX/XX/2021 my lender submitted a request to PNC to subordinate my 2nd lien HELOC loan as I am refinancing my current 1st lien mortgage. Despite promptly submitting all my paperwork and getting a call from an appraiser neither my lender nor I have received any communication from PNC. I went so far as to send multiple emails to to PNC and call their branch manager. The branch manager called me back toward the end of the day and told me he didn't have any way to provide me with an update. 

I have already had to extend my refinance lock agreement ( at a cost ) and am now faced with either paying off this PNC HELOC or paying again for another lock extension. 

My total combined loan to value ( including my new loan as well as the full amount of my HELOC ( if I were to use it all ... .which I am not ) is well under 80 %. 

Over 50 days!!!! What the heck???? 
TIME TO CANCEL PNC!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over 60 days later I have not received a response ye. I feel like I'm being taken advantage of and being ignored of my disputes, section 611 ( a ) is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Experian and identified inaccurate hard inquiries listed on my file. I did not authorize or recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 1681b ), no entity is allowed to access my credit report without a permissible purpose or my explicit authorization. 

I contacted Experian directly and requested an investigation and removal of these inquiries if no authorization or permissible purpose could be verified. However, I have not received a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX # XXXX. Despite several complaints, Experian has not removed the egregious late payment from my account, despite being the only credit bureau reporting this inaccurate information. I am a victim of identity theft and notified Experian that multiple inquiries as well as charges were made in my name that I did not authorize. I sent 3 disputes via certified mail, beginning XX/XX/2020 as well as the police report. The inaccurate late period is dated for XX/XX/2020. Before I realized that unauthorized charges were made, I paid my account balance in full. When I disputed for the third time, I even provided Experian with the credit card statements for each account, as welI as my bank statements showing the amounts due, drafted from my account and drafted on time. Despite my disputes regarding these fraudulent late payments and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps this unverified late payment on my credit report. The other two bureaus have deleted the late payment, as they are incorrect, unverified and fraudulent. It has been 141 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any information that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These late payments need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Product: Debt collection

I have received a collection notice in the mail and I am disputing the validity of this debt. I have already cleared this confusion in 2018 with proof of receipts from XXXX that shows I turned in the equipment for XXXX XXXX. The return receipts include date, time, XXXX store address, and the equipment numbers for everything I returned. If XXXX lost the equipment, that is their problem not mine. When I contacted XXXX XXXX about this invalid debt two years ago, the customer service rep told me they received the equipment and will update my account. But just recently, I get threatened with a collection notice. Take my account out of collections or I will sue you. By the way, I mailed a certified letter with the return receipts to you yesterday. So I will know when you receive it. And it is attached to this complaint. Don't play games with me. You will lose.
Product: Credit reporting

There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report nonsense on my credit report. I have repeatedly sent letters verifying and indicating that the information they are reporting is inaccurate and needs to be removed. They remove it for a month and then place it back on my credit report. I am taking them to court in small claims court I have documentation to prove so. This is becoming ridiculous I have been dealing with them for a year now.
Product: Credit reporting

XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it. Also block it from coming back like you are suppose to by law.
Product: Credit reporting or other personal consumer reports

On XX/XX/23. XXXX responded to my request to freeze and delete my file they have on me. 
They say, As of the date of this letter XX/XX/23, the disputed information my bankruptcy was removed from your file with XXXX. 

I then disputed my Bankruptcy XXXX XXXX with Experian and on XX/XX/23 Experian claims that XXXX certified to Experian that the information is accurate. 

Now how can XXXX certify that information is accurate on XX/XX/23 when XXXX deleted it on XX/XX/23. They cant. 
I challenge the certification, accuracy, verification on the account Bankruptcy XXXX. 
After reviewing this information, once my Bankruptcy can not be verified I want it deleted immediately from my Experian Credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a removal form XXXX XXXX and should be deleted from the credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and discovered multiple errors. I send a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had verified this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. I mailed a fourth letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This time I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person.
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Any help in this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to mishap. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX ( 4 yrs, 10 mos ) {$170.00} 08 XXXX XXXX XX/XX/XXXX ( XXXX mos ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXX XXXXs XXXX mo XXXX does not belong to me
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Subject : Formal Dispute of Inaccurate XXXX Late Payment Reporting XX/XX/year> Dear OneMain Financial Dispute Department, I am writing to formally dispute the XXXX late payment that your company has reported on my credit file for XX/XX/year>. After reviewing my credit report, I found this information to be inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of credit information to report only accurate and verifiable information. 

Under the FCRA 1681i ( a ) ( 1 ), I am requesting that you investigate and provide documentation supporting this late payment claim. If you can not verify its accuracy with proper records, I demand that it be removed immediately from my credit report to comply with federal law.

Additionally, per FCRA 1681s-2 ( a ) ( 1 ) ( B ), a creditor is prohibited from reporting information that it knows or should know is inaccurate. If you can not substantiate this late payment with clear and legitimate records, continuing to report it would be considered willful noncompliance with federal regulations.

Please take the following actions within XXXX days, as required by law : XXXX. Conduct a full investigation into this reporting.

XXXX. Provide written documentation proving the accuracy of the late payment. 
XXXX. If the late payment can not be verified, immediately request its deletion from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Provide me with a written confirmation of the results of your investigation. 

If this issue is not properly addressed, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please respond in writing to confirm receipt of this dispute and provide updates on your investigation. I appreciate your prompt attention to resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Citi card sold a debt to XXXX XXXX Around XX/XX/XXXX. The letter that I received from citi stated that The loan ending in XXXX was sold for a balance of {$5600.00}. 

First XXXX  and my credit reports are showing that this is not a loan but a credit card. But Citi letter states it was a loan. This Account was closed on XX/XX/XXXX. This is way past the statute of limitations in Louisiana. Also the letter and XXXX  show the balance is {$5600.00}. However the credit reports and the last statement from citi credit card show the balance is {$5700.00}
Product: Debt collection

After XXXX minutes on hold I spoke with a company representative on XXXX, a XXXX XXXX. She said I qualified for the XXXX-payment option and updated my account to reflect my acceptance of the offer. I am a senior citizen living on a fixed income below poverty level. In spite of my signing up for this option Aidvantage student loan server is continuing to bill me XXXX a month. Thus, this company is either grossly incompetent or is attempting to fraudulently collect money from me that is not owed. I want Aidvantage to correct this situation immediately. It has already harmed my credit score and caused me extreme emotional harm and anguish. This ABUSIVE behavior needs to stop