23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX for the amount of {$240000.00}. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX. to XXXX XXXX  XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX started a foreclosure action against me for the amount of {$190000.00} which is about {$47000.00} from the original mortgage 4 years earlier but I already had paid over {$97000.00}. How is that possible? I have been trying to fix the problem for this past year. I applied for a loan modification on XX/XX/XXXX but was denied on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating that Wells Fargo determine that I was eligible to pursue a short sale, so I decided to pursue a short sale as it was my only option. On XX/XX/XXXX required short sale documents was faxed to Wells Fargo with an offer of {$320000.00}, on XX/XX/XXXX they sent a denial letter. This was not the only offer presented to Wells Fargo offers were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each offer getting denied. Not only that, XXXX XXXX is n't really cooperating with the agent from XXXX XXXX XXXX. If Wells Fargo determined I was eligible for a short sale, then why are they giving me a hard time every time documents are properly submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

balance reduced from XXXX XXXX to XXXX XXXX XXXX. Account has not been updated on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the reports relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from Santander Bank that is not mine.
Product: Bank account or service

XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST b e removed immediately to avoid litigation :  1.    XXXX   XXXX   XXXX   XXXX   XXXX    2.    XXXX   XXXX  3.  XXXX   XXXX
Product: Checking or savings account

Wells Fargo made 2 unauthorized bill pays on XX/XX/XXXX ( {$3100.00}. ) and XX/XX/XXXX ( {$700.00} ) and said those were made by me. I did not. I reported to XXXX XXXXXXXX, NJ branch on XX/XX/year>. 
Enclosed please find documents including local police report. 
I am XXXX XXXXXXXX speaker. I do not know what I should do. I want my money back to pay property tax. It was 2 social security payments I kept for property tax.
Product: Credit reporting or other personal consumer reports

I contacted XXXX they informed me they sent a letter to the The 3 credit bureaus, to update account, however I owe them {$0.00} and it hasnt been updated & deleted from my credit report with neither of the 3 credit bureau company! When speaking to each of the credit bureaus they informed that they have not received a letter from XXXX on the matter to do so, but when they get that letter they will be able to update my credit report with the proof of information they receive!
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XX/XX/XXXX I applied for a Charles Schwab bank account. After completing the applicaton it informed me that it took any where from 24-48 hours for approval. Tuesday XX/XX/XXXX I get an email saying i was provided and to fund my new account. On Wednesday XX/XX/XXXX I checked my credit score and it showed that Charles Schwab ran my account two times for one account. Called trying to see if there was anything they could do on their end to fix this 2nd Hard inquiry because they only informed me on one inquiry. Spoke  with a women name XXXX and she informed that it was a mistake on the company and told me there was nothing thy could do to try calling XXXX. Next she began to tell me that my account was closed for reasons i'm unaware of but they sent me an email to not only fund my account but to also complete account information.
Product: Debt collection

LVNV Funding calls repeatedly before XXXX regarding a XXXX XXXX account. They call from various numbers with XXXX  area codes.
Product: Mortgage

DISCOVER BANK HOME LOANS, ACCOUNT NUMBER XXXX DISCOVER HOME LOANS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ON XX/XX/2023, I called to find out my balance. I made an over the phone payment of {$24000.00}, to XXXX XXXX, from my XXXX XXXX  checking account, XXXX, bank transaction recorded XX/XX/2023, bank reference number XXXX. 

When I called the next day they told me that since that would have paid off my mortgage, they were rejecting the payment, and instead demanded " certified funds, '' even though that is the same checking account from which they withdrew, automatically, my monthly payments since loan origination. I was in a hurry to satisfy my loan, since my house was under contract for sale, and I wanted to escalate the closing process. I kept waiting for them to send my rejected payment back to my checking account, but no success. I took money from my Discover Savings account ( {$25000.00} ) and I went to my bank ( XXXX ) and immediately made a wire transfer of the stated amount due to close the account. 

I HAVE BEEN TRYING SINCE XX/XX/2023, TO GET MY " REJECTED PAYMENT '' RETURNED. I have spent hours on the phone and sent numerous emails, and keep getting a runaround. 

I WANT MY {$24000.00} RETUNED, BY WIRE TRANSFER, NOT BY CHECK, TO MY XXXX  CHECKING ACCOUNT. 

I WANT THE 5 % INTEREST THEY WERE CHARGING ME FOR MY LOAN ADDED FROM XX/XX/2023, PLUS {$2000.00} PUNITIVE DAMAGES. 

I AM AT MY WITS ' END. I AM A XXXX  YEAR OLD XXXX, AND THIS ENTIRE ORDEAL IS MORE THAN I CAN HANDLE. 

I HAVE SINCE MOVED OUT OF THE USA, SO I DO NOT WANT, AS I TOLKD THEM, A CHECK. WIRE TRANSFER ONLY! 

PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

This is a debt that was charged by XXXX  for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid. 

Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX
Product: Debt collection

EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.
Product: Credit card or prepaid card

I applied for a secure card with a purchase limit of {$1000.00} with the Capital One card company around last July 5-6 2021. 
So, the Capital One card company withdrew {$840.00} from my us bank checking account to a secure card deposit. 
I was issued a secure card like that, but the Capital One card company did not activate my secure card because my phone number in their file was wrong. 
I did everything I could to verify that I was who I was in other ways, but the Capital One card company did not activate the secure card I deposited. 
So in the end I asked last XXXX to close the secure card I was issued and refund the {$840.00} I deposited, and they clearly told me they would get it back within a month. 
But today I called the Capital One card company to confirm when I can get my Secure Deposit back, but they refuse to refund my {$840.00} Secure Deposit. 

I really don't understand why I can't get a refund of the {$840.00} deposit on a secure card that I haven't used and I'm desperately asking for help with this issue. 

For reference, there is a Bank Stateman whose Capital One card company took money from my checking account, and I can provide it at any time.
Product: Credit reporting or other personal consumer reports

This is to folow up despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Furthermore, the prolonged delay in resolving this issue has had significant consequences on my financial well-being. I have experienced undue financial hardship and stress due to the presence of these fraudulent items on my credit file, which have hindered my ability to access credit and obtain favorable terms. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX
Product: Payday loan

I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.
Product: Debt collection

When I contacted this company they referred me to a law office and when I called the law office they refused to talk to me about the case stating its on hold. How am I supposed to resold this case if cant get any information about it and its ruining my credit score and preventing me from pursuing wealth in a fought for. Please help if you can, happy XXXX
Product: Debt collection

Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it. 
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Product: Bank account or service

I noticed an unauthorized transfer of {$300.00} under my Bank of America checking account. I called Bank of America immediately to report this. The transaction was still pending. I asked them if they can cancel this transaction since it is still pending. They told me that I had to file a claim. Fine. So I filed my claim and changed my log in information. Couple days later, to my surprise, I noticed the transaction went through. I called again to ask why. The rep told me there is nothing they can do at that point and I had to just wait. Fine! Couple days later, I received a " friendly '' email saying that my claim had been declined because they determined that the transaction was authorized by me. Their explanation : you said your ex-roommate might have your log in information. " If at any time you give your Online ID or Passcode to someone, personal or business ; that person or entity is authorized, by you, to perform that transaction. '' I never said I gave me ex-roommate my log in information. I said she might have it since my user name and password are similar for many accounts. But the rep wo n't listen. I called back several times to argue with the rep, but she was being impatient and rude. I had been with Bank of America since 2008. I had a checking account where I deposit more than {$50000.00} yearly and a credit card which I used to put more than $ XXXX spending yearly. I would never lie to get {$300.00}. The way they treated a loyal customer makes me mad. Claim reference number:XXXX.
Product: Student loan

I have been submitting Public Service Loan forgiveness forms for the past 3 years. There is a lot of inconsistency in the Qualifying payments applied to my loans. Specifically two of my loans are " DLSCNS '' and " DLUCNS '', and Fedloan says that I have made 0 qualifying payments on the " DLSCNS '' loan and only 1 qualifying payment on the " DLUCNS '' loan.

I have no idea why these two loans would not be qualifying, as I work for a XXXX now, and I have been working at XXXX for about 4 years now.

Some of my other direct loans have discrepancies which say that there are 21 qualifying payments on some loans and 18 on others ; I am confused by this because I have been paying according to the PAYE plan this entire time. 

I have tried calling fed loan, but each time they try to get me off the phone as quickly as possible.
Product: Vehicle loan or lease

Global Lending Services states that I made XXXX auto payments on XX/XX/XXXX. I made XXXX, yet they charged for XXXX in XXXX separate amounts. These payments are always made manually and have not been authorized to be automatic and/or recurring. 

I called the next day when I saw this. I was told that XXXX of the payments would be returned " in XXXX business days. '' The payment wasn't only not stopped or returned but re-debited on XXXX. When I spoke with them today in the escalation department, they stated that they can only return the account after it is recieved and that it will be cleared " after XXXX business days '' on XX/XX/XXXX. When I explained that I did not allow them to do this they state that I had with no other explanation. Myt bank account is now overdrawn, and Global Lending Services is taking funds repeatedly from my account without authorization.
Product: Debt collection

XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.