23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo foreclosed on my home and it was sold back to them on XXXX XXXX XXXX. It was valued at XXXX and was purchased for XXXX. The amount we still owed was approximately XXXX. I separated from my husband in XXXX XXXX. He allowed our home to go into foreclosure without my knowledge. I called Wells Fargo around XX/XX/XXXX and that 's when I learned about the foreclosure. I was told the loan status was going from pre forelosure to foreclosure. The right to cure had passed already in XX/XX/XXXX with no action from my husband and I could not be granted the opportunity given to him to cure the loan. I gave the representative my current mailing address where I could be served any papers and my contact info. I still have not received one piece of paper on this foreclosure, the sale, or have I ever received notification of any kind.I was told by the county recorder In XX/XX/XXXX they used publication in a newspaper to notify me when they had my address to serve me 2 months before this. I was trying to sell the home but was blocked from doing so by my my husband 's refusal to allow the realtors to show it. I was told I must pay the full balance to bring my home out of foeclosure. A wells Fargo rep told me that home loan modification was for those staying in their home not selling it. I did n't realize it would have bought me some time to sell the home. I learned of the sheriff 's sale in XX/XX/XXXX by realtor XXXX XXXX, a realtor my husband hired in the XXXX hour, who opted to not actively sell the home due to the pending sale. I was passed from person to person within the Wells Fargo mortgage department and their local law firm. The home is in a hot selling neighborhood and if given some more time to remove my husband I could sell the home and receive back my nearly XXXX in equity. I was told by the XXXX brown law firm who represented the bank to send the delay of sale to Wells Fargo mortgage help by fax ultimately it was denied and the sale continued. I later learned the request should have been sent to the sheriff 's office. I was a XXXX XXXX XXXX on a full scholarship when i separated from my marriage so I simply could not afford an attorney. My name was on that loan and still to this dayI have never been served or mailed anything on the foreclosure, sale, mediation ect.. I understand publication can only be used after a diligent search and they had my address for two months at the time they published my name. I was mislead about loan modification and the bank never worked with me to find a solution. My equity was a substantial amount and I feel I have been cheated out of it! I am located in Iowa
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.
Product: Payday loan, title loan, or personal loan

I am a XXXX  servicemember and am eligible for an interest rate cap on my personal loan under the Servicemembers Civil Relief Act ( SCRA ). I contacted Rocket Loans to inform them of my XXXX XXXX XXXX  and supplied a copy of my military orders. I have been told that the lowered interest rate has been applied to my account ; however, Rocket Loans has refused to provide an explanation as to how they calculated the amount of interest due on my payments and how my monthly payment is being applied to my loan principal. My wife and I have asked multiple representatives at Rocket Loans to explain how much of our monthly payment is going toward principal and how much is going toward interest, as the amounts listed on our online portal seem inaccurate. Additionally, my SCRA benefits were backdated, so I've requested that Rocket Loans provide an explanation as to how they calculated my overpayments and how they were applied to my account. Multiple phone requests for follow-ups have gone unreturned. We were encouraged last week when the Rocket Loan Chief Compliance Officer contacted us to advise that he was handling the issue. However, all we received as a response was an email with a link to a personal loan repayment calculator. I'm simply trying to understand where my hard-earned money is going and Rocket Loans is refusing to answer my questions. 

The complaint was filed after we received an incomplete response the Chief Compliance officer from Rocket Loans. We were very specific about our questions and the information we wanted on our loan. We asked Rocket for that information multiple times and they would not respond. After speaking with the Chief Compliance officer, I was assured that he would address our concern regarding our question that are interest rate was not reduced correctly under SCRA. The CCO responded a couple of days later and sent us a link to an interest rate calculator stating that it made sense to through his initial review. We took his message to mean that he confirmed that the amount that we were being charged was correct. However, we knew better and the math did not add up. We pushed again and asked again that they review the file in detail to confirm that they were charging the correct interest rate of 6 %. It was only after we pressed the CCO again that Rocket Loans then determine that they were overcharging us interest during XXXX ' period of XXXX XXXX services. Then our repayment schedule was updated to reflect the lower interest. It took me multiple times of pressing Rocket loans, and a high level officer with the company before they would acknowledge that they were charging us incorrectly and not providing the benefits we are entitled to under SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for XXXX XXXX XXXX, XXXX, and Experian, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' XXXX XXXX XXXX never informed me of my right to opt-out of information sharing. 

XXXX and Experian 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of XXXX XXXX XXXX reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.
Product: Checking or savings account

Hi, I followed New to Citi Checking Cash Bonus Offer ( as in attachment ) on Citis official website to open a new checking account to earn the {$700.00} cash bonus on XX/XX/XXXX. 

However, after I followed all required steps to deposit {$50000.00} into the Citi checking account, Citi blocked my account for weeks, and then sent me an email on XX/XX/XXXX ( as in attachment ) saying my account will be closed because we found that you have violated the terms of your account per the client manual. However, I called Citi many times but they refused to disclose what exactly I did to violate the terms ( because in fact I did not ). They insisted on closing my account without a clear reason, but in the meantime, they refused to allow me to withdraw my money back at the moment, which is ridiculous and irresponsible. 

I transferred the {$50000.00} from my accounts in other banks ( the first {$25000.00} on XX/XX/XXXX and the second {$4000.00} on XX/XX/XXXX came from XXXX, the third {$21000.00} on XX/XX/XXXX came from XXXX ). All statements are in the attachments. The information is all correct and in fact the money has already been transferred into my Citi account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you three months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, it is EQUIFAX 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 day late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to the transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Experian.com to obtain my free annual credit report. I was charged {$1.00} for the credit report. I paid what I believed was {$1.00} fee. I assumed it was the current  rate for an online one tim e review of annual credit report. I used a card that I exclusively use for managing miscellaneous expenses. On,  XXXX   XXXX ,  2017 , Experia n *CreditRep______CA c harged my accou nt ( {$23.00} ) which left my account with a balance of {$0.00}. I contacted the company twice to rectify the matter. The only option they gave was cancellation of the membership that I did not sign up for. During my 2nd call, the gentleman told me by paying the {$1.00}, I was paying for a trial membership and the trial membership expired ; therefore, he can not refund the money Experian withdrew from my account and refuse t o refund despite my plea to assist.
Product: Debt collection

dmb financial will not give me an answer on how many payments i have left i have been paying them XXXX dollars every two weeks XXXX dollars a month for 44 months around XXXX dollars they paid off about XXXXthey have still not paid off one of the crediters you folks really need to shut this scam down i am at my wits end here thanks for whatever you can do.XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This Complaint is against Equifax Information Services LLC. ( XXXX ) attempts thus far to have incorrect information removed from my Equifax Credit File has been unsuccessful, and basically a waste of time. The following address that is on my Credit File is incorrect -- and needs to be corrected, updated, and removed. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX Georgia XXXX The following updated and correct address needs to be placed on my Credit File. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX Georgia XXXX The letter received from Equifax requires XXXX XXXX ) items. 
Category ( XXXX ) - Copy of my Social Security Card which has been sent ( XXXX ) times thus far. 

AND Category ( XXXX ) Current Address -Drivers License- ( I am currently incarcerated, therefore I do not have this ). 
OR XXXX XXXX  Rental or Lease Agreement or house deed. ( I am currently incarcerated, therefore I do not have this ). 
OR XXXX XXXX Pay Stub with address ( I am currently incarcerated, therefore I do not have this ). 
ORXXXX XXXX Utility bill with current address. ( I am currently incarcerated, therefore I do not have this ). 

As I do not have any items in the 2nd category due to currently being incarcerated, I have sent notarized statements with my current address, from my facility. County tax bills from my home address mailed to my current address. Also sent XXXX XXXX Account Summary Statements sent to my current address.

This has been a waste of time as Equifax continues to send my Credit File and Personal Information to an old address which I no longer reside at, and this places me at risk. All of the above noted items have been mailed to Equifax a total of ( XXXX ) times, which fully validate my Current Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me an email of the update they did to my Mariner Finance account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment Mariner took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this Mariner loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't Mariner or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX listed for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX XXXX  everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their XXXX  mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt reporting from the burraus in the amount of XXXX. This debt is from 2011 and is still reporting. I am requesting for removal from my credit.
Product: Credit reporting

I would like to seek assistance? XXXX XXXX and Experian just recently notified me on XXXX XXXX, of an incident that involved unauthorized disclosure of my personal information. According to them the incident happened on XXXX XXXX, 2015. I dont feel assured that my personal information is secured, just today I received a call from a Collection agency in behalf of XXXX XXXX asking for my personal information. Experian and XXXX are stating they have conducted their own investigation the results are not clear. As a consumer I would like to be contacted as soon as possible, my information, name, social and date of birth, should be protected. The letter is dated XXXX XXXX, 2015 and was just received on XXXX XXXX, 2015. 

Thank you for listening, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an inaccurate inquiries and personal information listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Product: Credit reporting

I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX***that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

1. I can not get a hold of my loan provider : Navient.

I have called them numerous times and either - get hung up on - get disconnected - or when I think I am about to speak to someone - I get transferred to an automated system asking me a survey of how my experience was, BUT... I did not talk to anyone.

2. I believe I may be eligible to receive payment or refund from Navient as there is a settlement against them and my loan is one of which identifies with the settlement I have an FFELP loan which was managed by Sallie Mae and then transferred to Navient.

My loan has been in - Forbearance ( which the settlement is related to ) - Deferment for several years 3. I do not know who to contact or get in touch with as I may be owed money by Navient. 
I can not get in touch with Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian to please remove any fraud alerts on my credit profile because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with mortgage brokers can not access my Experian due to a Fraud Alert. 

I Respectfully contacted the fraud alert dept at Experian to please remove and add my primary address on my credit profile. This credit issue has been going on since XX/XX/2022. When the first bank couldn't get access. 

They gave me two dispute numbers for the address request and we are still here in XXXX still trying to fix the problem. 

I expressed to them we are in a contract and need this issue to be resolved asap. I researched and saw people with nightmares who have dealt with the same problem. They regret being cautious and putting a fraud alert just in case. I did it due to losing my wallet but thank XXXX I wasn't a victim. 

We are here now in XXXX looking to buy a home and I can't simply remove alerts or add my priamy address to my credit profile. That's the only thing stopping us from signing our closing.
Product: Money transfer, virtual currency, or money service

From the start of 2025 my PayPal account kept getting hacked into. Was told to change password and use an authenticator app. I did both and the problem still persisted. On XX/XX/XXXX and XX/XX/XXXX there was fraudulent charges from the hacker. They bought cyrpto and it's currently on hold. So far {$300.00} of that has been charged to my main checking account and I have taken off the bank/cards from my account as well as opened new ones.
Product: Credit reporting or other personal consumer reports

Due to identity theft in the past, Ive had to do a credit freeze. I once again received information that my personal information was on the black web. I created a TransUnion account since I have created my account. Ive been requesting a copy of my credit report on multiple occasions, and it keeps continuing to have an error on the system. This has been reported to them on several occasions, and I have given them amicable terms to resolve it they still have not complied therefore I can not see your access. What is being placed on my Trans Union report meanwhile, I am getting alerts via email stating that there were either inquiries or wrong information on my credit report.
Product: Debt collection

I recently reviewed my credit report and I noticed a fraudulent collection account on my credit report I have never done business or signed a contract with them In do not know who this company is. I feel liken I am being pushed against the wall with their fraudulent activity.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :