23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lender : Wells Fargo Home Mortgage Lender 's inappropriate actions prevented me from obtaining a HAMP loan modification ( XXXX ) Lender immediately sold my loan into an XXXX - ( XXXX ) Lender refused to comply with my qualified written request letter for a copy of the prospectus to the trust that supposedly holds my mortgage The loan may not lawfully be in the trust, legal requirements may not have been followed. The prospectus would be used to make that determination. 
Lender deliberately confuses and misleads claiming " permanent '' but " temporary '' loan modification. 
The permanent modification pertained to the 2nd mortgage, not to the first mortgage. Letter dated XXXX XXXX, XXXX from lender documented the home equity account ( 2nd mortgage ) permanently modified. 
I was a target of lender 's predatory lending as it relates to XXXX and XXXX customers ( ref : XXXX DOJ lawsuit and settlement ) Lender continues to show a claim for {$85.00} on monthly statement for inspection fee despite having settled a lawsuit pertaining to these fees ( ref : XXXX XXXX postcard notification ) Lender applied unpaid " interest '' dollars to the principal loan amount I filed a complaint against lender with the OCC and with the Federal Reserve Consumer Office My hardship circumstances remain ; I wish to receive the HAMP-like mortgage assistance for which I qualify WITHOUT having to deal with lender 's game-playing, so that I can remain in my home. I paid into the system throughout my 44 consecutive years in the workplace and view this as my retirement home. 
I have been making the required monthly interest-only payments, mailing each payment by certified mail in order to have documented evidence of delivery to lender I was named as a plaintiff in the amended complaint for XXXX Wells Fargo. However, I saw at their website that the FTC felt the lawsuit was a scam. I have detailed documentation of my contact with XXXX XXXX. I would like to be refunded the monies I paid to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

verbiage 75 % XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these pdates to be made promptly, in compliance with the law. ''
Product: Checking or savings account

Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. 

The experience was so distressing that I had to take anxiety medication afterward. I even reached out to my white colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. 

I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. 

I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as TD Bank. I had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly. I was informed that this bank address is wells fargo bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN TRASUNION, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

This information is inaccurate : Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : 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

So I sent a letter ( s ) off on XXXX XXXX XXXX. Here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Debt collection

XXXX [ XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation Dear Sir/Madam, I am writing in response to your recent communication regarding an alleged debt associated with my name. Please be advised that I am requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is currently owed. 
Documentation that verifies your legal right to collect on this debt, including the original contract or agreement. 
A complete account history, including any interest or fees added to the original debt. 
A copy of any judgment, if applicable. 
Until you provide this information, I ask that you cease any further collection activity, including reporting to credit bureaus, as required by law. 

Please send your response to the address listed above. If you are unable to validate this debt, I expect all collection efforts to cease and any reported information to be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Debt collection

**Cease and Desist Notice on XXXX XXXX XXXX*File Number : XXXX This document serves as a formal cease and desist notice regarding all media activities associated with the referenced file. 

Please be advised that all securities are held in trust and belong solely to XXXX XXXX, a sovereign individual. The company in question has acquired an unregistered security. The secured party is documented in a UCC-3 addendum, which solely identifies XXXX XXXX XXXX XXXX 

It is important to note that the vessel in question does not owe any debt, as it is recognized as a creditor in off-ledger records, which can be substantiated by a XXXX XXXX. 

Furthermore, the alleged company is engaging in identity theft to exploit this situation. XXXX XXXX XXXX has not entered into any contract with FMA Alliance and has not given consent to share personal information. 


We request immediate action to cease any further media activities related to this matter. PLEASE REFER TO THE SELLER OF THE UNREGISTERED SECURITY AND DUE YOUR DUE DILIGENCE BEFORE YOU BUY EXTINGUISHED LIABILITIES!!!!! XXXX any further continuous I will be seeking recoupment from your company thanks
Product: Vehicle loan or lease

I co signed for a auto loan that has been paid off but still shows open on my credit reports
Product: Debt collection

I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX ( XXXX ). Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX ( XXXX ). Date of inquiry, XXXX XXXX. 
6. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
7. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Fraudulent crypto companies are charging my account, and my bank Chase is allowing the charges to go through from the beginning of the year despite calls to blacklist merchant from account. I have never owned a crypto account and have made them aware of this
Product: Debt collection

I was served on XX/XX/19 for an account I was unaware was in collections. I had moved and filed a change of address in XXXX. I told the gentleman that served me that I had filed a change of address and they had been sending the notices to the wrong address. XXXX XXXX claims they did not get notice of change of address unitl XX/XX/19, however, my insurance company had gotten notice back in XXXX. 

A few days after I received the summons I received a statement in the mail at the correct address. 

I called XXXX XXXX to try and set up payment arrangements and did so. Thinking the court case would be dismissed. I called back to ask if I could get it in writing that it was dismissed and she said they would not dismiss it. They would get the judgment and as long as I was making the payments as agreed upon there would be no garnishment of my wages. I asked for her to put that in writing. She stated that it was company policy that they do not put anything in writing. 

I told her that I had filed for a hearing and she stated that the payment arrangement would be void and they would garnish my wages if I continued with my hearing.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft and data breach, and I have discovered unauthorized accounts and inquiries on my credit report. Please consider this letter as my formal dispute of the accounts and inquiries listed below. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

( CFPB ) has recently file a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not adhering to the laws, I have asked twice for a copy of a signed contract for a charge off account XXXX they told he to contact XXXX when I did all I received was a 20 page credit card summary, this is just ridiculous.
Product: Mortgage

SPS Select Portfolio Servicing, inc unfair resolution of my house. Which promise my a short settlement which I paid in a timely matter but cheated me out of my house.
Product: Mortgage

# XXXX Closed on property XX/XX/2016. Nationstar loan was paid in full. On XX/XX/2016 ( four weeks latter ) Nationstar reports unpaid to the credit bureau and destroys my Credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Went to XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX, borrowed XXXX never informed of interest rate, or given copies of loan agreement, told I would have a 1 time cab fee on my first payment, Appird for loan in XX/XX/XXXX 2017- paid XXXX every month, credited with {$110.00}, told pay off amount was more than the original loan - {$910.00}, charged cab fees every month but did show on my payment receipts - I have paid almost the entire amount but still owe XXXX however if I pay it off I have to pay XXXX, total loan amount comes toXXXX twice the amount I borrowed, I am on social security so my payments were scheduled every month on the XX/XX/XXXX.
Product: Debt collection

I got an alert from XXXX on XXXX XXXX XXXX that a new collection account was added to my credit report. The collection account was called SEQUIUM ASSET SOLUTIONS LLC for the account of {$330.00}. The original creditor was XXXX XXXX. When I called the collection company they told me that the account had a New York address attached to it. I then called XXXX XXXX and told them what had occurred and they sent me an ID Theft Information Form.
Product: Mortgage

After purchasing a loan from Wells Fargo, my initial payment to the bank was made on XX/XX/XXXX. On XX/XX/XXXX I was informed that my payment for XX/XX/XXXX was past due. Online records from Wells Fargo 's own website indicate the payment was made and applied to the loan on XX/XX/XXXX. On XX/XX/XXXX there was a payment reversal made for the same amount of the original payment. The loan was reset to the original amount on XXXX/XXXX/16. On XXXX/XXXX/16 there was another reversal in the amount of {$4.00} and the outstanding balance was reduced by the original payment amount. On XXXX/XXXX/16 another reversal was made and the loan amount went back to the original balance prior to any payments being made by me. On XXXX XXXX I was informed the account was past due.
Product: Consumer Loan

I was never notified as the co-applicant that payments where late. 
My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. 
I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.