23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently working with XXXX XXXX XXXX for my loans. I was originally with MEFA since I started college in XX/XX/2012, but my account was sold last year without any notice. 

Both MEFA and XXXX XXXX XXXX have failed to provide me with documentation in a timely fashion on multiple instances, the first being that my account was sold. Second, I have never received a copy of a promissory note or my loan contract. Third, my modified repayment plan recently came to an end. XXXX failed to notify me that this plan was in fact ending resulting in a jump in payments from {$560.00} to {$1100.00}. When I called to see what had happened, I was told I had been notified and the only option I had was to apply for the modified repayment plan again ( but not before requesting the {$1100.00} payment I did not have ). 

After submitting my application and documentation, I was denied for a modified repayment plan with no sufficient explanation. contacted XXXX and spoke to " XXXX '' ( ID : XXXX ). XXXX stated it was denied due to the debt ratio. I have spoken with several credit counselors and other loan companies who have stated that I do not have sufficient funds to cover my bills, loans and daily expenses. 

I requested a copy of my promissory note and a copy of my contract. XXXX told me I should have had my copy of the contract from XX/XX/2012  and the promissory note was available online. When asked where the promissory was located on their website, XXXX ( who had claimed it was available ) failed to find it herself and claimed she was " mistaken ''. I then requested both documents be sent to me, which I have yet to receive. Both documents should be available online at any time to review. 

Following this, I requested a forbearance on my account. XXXX stated that was not available to me as it was stated in the contract that I do not possess and was supposedly given seven years prior. I then requested an extension on my loans in an attempt to reduce payments. XXXX stated this company does not do refinancing and I would need to take out new loans. 

XXXX and XXXX have been extremely unhelpful and disrespectful. I have made several attempts to lower my payments over the years to no avail. As a young adult working with this company, I have the right to possess and ability to access all documents when needed. I also have the right to work with a company on lowering payments that are not feasible.
Product: Vehicle loan or lease

I was unemployed for 3 months and borrowed money from family to pay the overdue car loan. Then suddenly my car was repoed after i made the payment claiming the funds were somehow reversed from XX/XX/XXXX to XX/XX/XXXX when the car was taken. I immediately made the payment of {$2600.00} to reinstate the loan. They towed the car to a city 160 miles away the day AFTER i paid the loan in the WF branch with CASH.

I can't get to the car. It's still sitting at the auction lot and Wells Fargo said they would only pay to transport it back if it's 200 miles away or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My granddaughter and I have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same XXXX XXXX XXXX. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX Credit and they told me I  needed to file a complain with Experian. This is not the first time this has happened and I would like for it to stop.
Product: Mortgage

Borrower made several attempts for a loan modification with Selene Finance but was denied for insufficient income. Borrower requested in writing Selene Finance provide the income information used to make their determination. Selene Finance provided a written copy of the income they used to make their determination. Borrowers disputed the income used by Selene Finance to make their determination and requested in writing that Selene Finance provide a written explanation of how they arrived at the income used. Selene Finance has refused to respond to borrowers request and forwarded the file to their attorneys to begin foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
Product: Debt collection

Transworld Sys were calling and sending bills illegitimately from an overdue medical bill. I requested proof of the overdue bill but they never provided me with any such proof. I was threaten to make the payment or risk that they would place this occurrence on my credit report if a payment was not made. Reluctantly I made the payments as agreed over a few months but they still processed the debt as a charge-off which was not what I had agreed to, nor did they ever provide proof that in fact this was a debt of mine.

I have made several credit reporting dispute attempts to have this blemish removed from all three reporting agencies but they have only corrected 1 out of the three. To date this erroneous information remains on my XXXX and XXXX  Credit Reports. 

I would like this information removed from my credit reports since I was illegally coerced into making payments but yet in still reported negatively on my credit report. Please have them provide verification of this debt and also remove negative impact from my credit report.
Product: Mortgage

We had a mortgage with KeyBank. We sold our home, and the mortgage was paid off on XX/XX/XXXX. Based on this, we fully expected to receive the extra funds ( {$3500.00} ) in our escrow account no later than XX/XX/XXXX. 

In speaking with KeyBank, I was told that the check was mailed on XXXX. Unfortunately, they sent it to the old address where I had the mortgage. However, since I had filled out a change of address with the post office, I figured it was just a matter of time until I received my check. Unfortunately, as of today, XX/XX/XXXX, I still have not received it. I have been in touch with both my old post office and my new post office, and neither of them has this piece of mail. Furthermore, I spoke with the Inspector General at my new post office, and he stated that it is lost. 

In speaking with KeyBank via their chat function on their website, I asked for any sort of tracking or proof that they had sent the check. They could not provide any proof, other than them saying it was mailed. Furthermore, they said they will not issue a replacement check for 30 additional days from when they mailed the original. That puts it at XX/XX/XXXX until they will even mail a new check, well past the 30 days they have to return my overage to me. If the situations were reversed, and I mailed them a check they never received, you can bet they would use every method at their disposal to get their mony.
Product: Credit reporting or other personal consumer reports

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Product: Checking or savings account

On XXXX is the first of 2 times they held my paycheck from being posted to my account. They had the funds per my employers banknon the XXXX of XXXX and didnt post it to my account until the XXXX of XXXX. Second time was XXXX they had the funds and still have yet to post it to my account. 

I called in spoke to XXXX people XXXX of which said they could see they had my deposit pending under hold. When I asked why each time they transferred me to someone else I am now being charged late fees on bills that were due today and my phone is likely being shut off as well. 

XXXX of the XXXX people I spoke with were supervisors the last hung up on me when I questioned him on how it was XXXX people seen my deposit and magically he couldn't. After asking this he hung up on me. 

All total I am due XXXX for late fees im being charged and I want the XXXX I had to borrow because of their games. They refused to help despite informing them I would be filing a complaint. 

They also have been allowing disputed and supposed to be blocked charges to post to my account despite their saying they blocked the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have made 2 attempts to resolve this issue. ETransUnion is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed.

They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
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. 

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 according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I payed of my car loan with XXXX XXXX on XXXX XX/XX/2020. I have called XXXX XXXX only to be hung up on three time. After I talk to a phone agent. I her about have issues with XXXX XXXX not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need XXXX wto report my account pay. ASAP!!
Product: Debt collection

On XX/XX/2020, I received a notice from a debt collector ( Economic Recovery Consultants ) that I was being charged in the amount of {$1600.00}. I reached out to them and asked where this debt originated from and that informed me that it was a medical bill from several years prior, and they received it and was pursuing its collection. The debt originated from XXXX XXXX XXXX, so I reached out to them, and they had no valid documentation of the debt, nor could they provide me with any proof that it existed, basically it was not in their system. I then reached out to the debt collector, and they stated it was valid, and that payments could be made, and that it has been placed on my credit reports as delinquent. Now, according to Arkansas law, there is a statue of limitations on all medical debt of 2 years, and if this is correct, then this debt should be removed from my credit report, as this has caused significant damage to my credit report already.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Credit card or prepaid card

according to 15 USC1692b Chase bank is violation of my privacy they are speaking about my debt to other people ( the bureau ) without my consent and they are unlawfully trying to demand to pull my credit report and give me an inquiry as that is unlawful just like I told them.XXXX  out the balance on this account a consumer is not obligated to pay debt. Fact, Truth and Lending is intended to help the consumer avoid the uninformed use of credit and to protect the consumer against inaccurate and unfair credit billing and credit practices and I, the consumer did not receive meaningful disclosure so be it.XXXX  out the balance on this account. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion file number : XXXX Date XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXXhas 2 of the same addresses in which there is no point of 2 of the same address should be showing only one
Product: Credit reporting, credit repair services, or other personal consumer reports

DiTech is reporting that payments were made on a personal loan in XXXX and XXXX. 
This loan was closed/charged off by XXXX/GreenTree prior to XXXX. 
No payments were EVER made on this account after XXXX. 
Ditech 's report is fraudulent. 
Totally made up! 
Needs to be removed from report or provide proof of payments made.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I have mail Transunion documents for several account that are fraudulent. This been going on forever. I have sent a FTC report, Notarized affidavits, letters from the creditors ( copys ) & police reports. Unfortunately, these accounts are still being reported to my credit report. There are a total of 5 XXXX XXXX accounts. In addition, XXXX XXXX, XXXX XXXX, and XXXX. I spoke to a representative in the fraud department and the representative name XXXX told me on XX/XX/2023 that all 8 accounts were being removed. Th next day I called another representative told me that they not being removed. Unfortunately, transunion is not doing a reasonable investigation. They have all of my documents but ACT as if they dont have them and they not attaching any of the right documentation to my disputes! This been going on for several of months. They rescinded my block for whatever reason? I have not obtain and possession of good with none of these 8 accounts. I sent in a method of verification they didnt respond to it. They didnt show me any proof of how are these accounts verified and they dont belong to me. So now I am filing a complaint and a potential lawsuit against them because of these items are damaging my business. XX/XX/23 I have mailed more documents supporting my dispute my reference # is XXXX.
Product: Debt collection

In XXXX I received a {$2500.00}. loan from the XXXX. In XXXX a garnishment was attached to my XXXX XXXX XXXX paychecks. In XXXX garnishment stopped after {$6800.00} was paid. In XXXX I received another garnishment for the same {$2500.00} loan in excess of {$500.00} per month. I received a letter from CTI stating that I owe {$5900.00} on the same loan. I would have paid approx. {$13000.00}. on a {$2500.00}. I did not receive a release letter from the XXXX ; however, when I asked the XXXX to provide the letter initiating the garnishment, they could not provide XXXX. Due to this garnishment, my credit is ruined and I can barely afford to pay my living expenses. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX  XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX  XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told the account XXXX reported by Equifax was verified yet they have failed to provide proof of verification. I have multiple letters requesting Equifax to verify the account yet I was ignored multiple times. And the replies have been past 30 days which according to FCRA that constitutes a violation. As per FTC opinion letter from attorney XXXX XXXX XXXX, a print out of a bill or itemized document does not constitute verification. The account # XXXX was reported as a duplicate by Equifax that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

2020 Ammerist AR placed an account under my name into collections without my knowledge of the account being opened. The amount on the account is {$1500.00}. I don't have any knowledge of this account or who opened the account using my information.
Product: Mortgage

I had a mortgage with Well Fargo Home Mortgage on a home that I sold in early XXXX. On XX/XX/XXXX, at my current home address I received a letter from Wells Fargo enclosing a check in the amount of {$1300.00} relating to Private Mortgage Insurance. The letter does not include specific information about calculation of the amount of the refund. Wells Fargo 's customer service representatives at the number provided in the letter as the number to call in the event of any question were unable to provide helpful information. 

The letter states ( 1 ) Wells did not include the option to cancel PMI on the date the principal balance reaches 80 % of the original value of the property, and ( 2 ) PMI was previously removed from my account and I was no longer required to pay any further premiums, payments or other fees related to PMI. 

Wells describes the calculation of the refund as follows : " The refund is for PMI payments you made from the date we gave you the incorrect information to whichever of the following came first : ( 1 ) the date we provided the correct information [ or ] ( 2 ) the date you were no longer required to carry PMI. '' The letter further states that Wells is paying interest I would have earned on the amount of the refund. There is no explanation of any of the calculations or the dates used in connection therewith. 

The letter includes a toll free number and the only mailing address listed is a Return Mail Operations address. When I called the toll free number the Wells representative initially was unable to locate any information about the matter because it involves a closed mortgage account. I was transferred to a supervisor who was able to verify that the check in the amount of {$1300.00} had been issued, but he was unable to provide any further information. He provided me with a mailing address and a fax number for Wells Fargo 's Written Correspondence Department. Both representatives tried to be helpful, but lacked access to helpful information. 

I appreciate the refund. It may be the correct amount. I would like to understand how Wells Fargo arrived at the amount. The letter 's statement that " PMI was previously removed from your account and you were no longer required to pay any further premiums, payments or other fees related to PMI, '' followed by the statement that Wells Fargo is providing a refund, is vague. I want to know whether Wells Fargo collected PMI payments from me for some period of time after PMI had actually been removed from my account. If this is the case, the refund should include all overpayment amounts, irrespective of the date ( s ) of  any notice ( s ) to me. 

I need more information in order to determine whether Wells Fargo 's refund is sufficient to cover the amount by which I overpaid Wells Fargo. I am submitting this request instead of a written request to Wells Fargo 's Written Correspondence Department because this process, which includes a web portal, is easier than the process Wells Fargo has offered. I think it is also more likely to produce a quicker response. Thanks.