23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX  Re : Borrower :   XXXX   XXXX  , DOB- XX/XX/XXXX , SSN #  XXXX  Property :   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA   XXXX   Lender : Wells Fargo Loan #  XXXX  To whom it may be concern : I,     XXXX   XXXX   have been fighting for my mother rights with Wells Fargo . My mother   XXXX   XXXX   primary residence at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX , has been fighting with Wells Fargo regarding her loan. She had a hardship in  XXXX , when she was forced to go into   XXXX   XXXX   XXXX   XXXX  . During the time she was recuperating she spoke to Wells Fargo regarding her loan and they told her she didnt have to get an attorney to get a loan modification done because Wells Fargo will be able to work with her on her loan modification.
Since  XXXX , we have submitted of a total of 11 loan modifications to Wells Fargo and they sent us a letter saying not qualified for loan modification. When I spoke with Wells Fargo about the denial, they told us the reason was an Application Discerptions, never in conversation I had with Wells Fargo, they never stated what type of discerptions the loan modification had. I have spoken representative from Home Preservation Team, Re-Entry team and someone from the executive office of Wells Fargo. My mothers loan is behind 40 payments because of the loan modification process she also wanted to get out of an ARM loan which has an interest rate of 7.8 %.
We have explain to Wells Fargo that we wanted a 30 year fixed loan and so hard to get it through loan modification. In  XX/XX/XXXX , they sent in a Foreclosure Letter stating that they will foreclose on the property on  XX/XX/XXXX , luckily I called the Division of Banks and delay the foreclosure for XX/XX/XXXX . Meanwhile Wells Fargo executive office is working again on our loan modification. In addition, we have sent a loan modification packet on  XX/XX/XXXX  and someone from Wells Fargo re-entry team called me on  XX/XX/XXXX  and said it was denied because they are going by the pervious denial even though the income increase.
My mother doesnt want lose her house. My brother and I was raised in the house and we want to continue to raise our kids there. My mother did a lot of work in the house to sustain the house in good condition. My mom has paid the house for 16 years almost half of the loan term.
Lastly, I have done a HUD counseling and they went over all of our budget and its shows that we are qualified for loan modification which I am enclosing the resolution document from   XXXX   did with us. Also, including the denial letter for Wells Fargo showing no specific of the indication of denial. I have spoken to them several times, which Wells Fargo indicated to me its was an Application Descriptions and explain them if I could fix the problem and they stated I have to send a whole application to be able to be approval to go to the Re Entry team.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, TransUnions LLC, XXXX XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan debt listed on my credit report should have been discharged inXX/XX/2013 under Bankruptcy Case XXXX XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX  XXXX bankruptcy, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is listed illegally on my consumer report ( s ) in violation of Title 15 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by XXXX and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated 3rd Party without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XX/XX/2021
Product: Checking or savings account

I have been scammed by a customer of Chase on XX/XX/XXXX. I was led to believe I was in the middle of a fraud alert from a person who portrayed themselves to be a representative of Chase. I saw the activity live with XXXX activity attached to my other account. I was coerced into believing I was being robbed and instructed to withdraw the funds in order to deposit the funds into a chase account created on my behalf and loaded into my mobile device. I still have the debit card in my wallet on my mobile phone. I deposited the funds into this account while on the phone with the fraud person purported to be a Chase representative showing me my account being hacked live. I have receipts of all the deposits made at the ATM. When I thought I might have been scammed I went to an ATM to call up the account using the same card in my wallet which I thought to be mine. I discovered that the funds were still in the account but that an email address to a XXXX XXXX ( XXXX ) was listed in the ATM. I went to a XXXX branch the following day ( Wednesday, XXXX ) to verify funds were still on deposit. The Chase representative XXXX XXXX ( ph XXXX ) was able to find this person as a real account holder of Chase. XXXX XXXX contacted a counterpart at Chase on XXXX account to report my deposits as fraudulent and was told the account was frozen due to fraud. My deposit were reported as fraudulent at that time. Subsequent Chase opened a case file on this ( case XXXX ) on XX/XX/XXXX. I spoke with XXXX XXXX ( ph XXXX ), the regional branch manager at Chase on XX/XX/XXXX who had informed me that he would check with the case worker on the file to determine how I could recoup those funds. I spoke with both the XXXX on the, the caseworker ( ph XXXX, ext XXXX ) on the XXXX and the branch XXXX on Wednesday XX/XX/XXXX. Funds were still frozen at that time. On Monday XX/XX/XXXX, I was informed that the funds were released to the customer. All phone conversations with Chase are on recorded lines. Customer reported that Chase had no authority to hold the funds and that my deposit was a voluntary deposit into her account. That representation could not be farther from the truth. Based on what was entered into their system about the fraud and representation by me to Chase employees in person it is unimaginable to understand how the funds were released. I do know that the person who defrauded me is a real account holder. I believe this should help track down my funds, {$28000.00}. I have copies and screen shots of everything in this report. Because I thought Chase was working to return my funds, I did not file this report on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX, GA, XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

EQUIFAX has fraudulently dropped my credit score by XXXX points. My credit balance for XXXX XXXX XXXX XXXX XXXX is {$0.00}. Their reason for dropping my score was due to a high balance of credit usage when I do not have a high balance of credit usage. I am under 30 % credit utilization. This is fraudulent and inaccurate reporting as usual from this company. This needs to be reported accurately. Their reports on my credit do not reflect my real credit activity.
Product: Checking or savings account

I have an account with National Bank of Arizona which is a division of XXXX, XXXX. I have {$3400.00} in the account and they deactivated my online banking and debit card because it had reached a {$0.00} balance for a little while. I was visiting in Texas and they told me they have a sister branch in XXXX XXXX, Texas called XXXX XXXX I informed them over the phone I had an expired license and a yellow slip of paper from the XXXX that was stamped by the XXXX showing the issue date and proof of new licensure because it takes them a month to send me a new license. The national bank of arizona supervisor called the XXXX XXXX in XXXX XXXX and told me they would be able to give me my money if I brought those documents over to the bank. I drove 60+ miles to XXXX XXXXXXXX and brought my expired license, my proof of new drivers licensure paperwork, my certificate of live birth, my social security card and my school ID and they informed me they would not be disbursing any funds to me because their policy states I need to have a hard copy of my drivers license. 

I called the online banking service later and informed them of what happened and they activated my online banking for me after I was able to fill in the security questions. Then I added an external bank account to the system and then they deactivated my online banking without explanation. They then demanded I give them a phone number to verify my identity, so I did, and they said that phone number I gave was n't going to be verified and their " system '' listed 2 phone numbers that I never even heard of and one phone number that was super old that I did n't even have anymore, to verify me. 

Basically they are refusing to give me the money that is in my account until I show up at their bank account in XXXX XXXX with a hard copy of my new drivers license, which can take over a month to receive, even though they promised me over the phone I would be able to make a withdrawl and get my online banking activated again.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as falling 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer.
Product: Mortgage

My mortgage was most recently refinanced when interest rates were not as favorable as they are today. The loan has been through a couple of different servicers and is currently being serviced by Ocwen Financial. After several years of paying at the elevated rate and reaching closer to retirement age, I sought to refinance the loan with Ocwen 's lending arm, Homeward Residential. The proposed rate and term on the refinanced loan were much more favorable and would not only benefit me, but also put Ocwen in a more favorable position. The re-fi process fell apart when my home appraised $ XXXX less than the loan amount. I am seeking to modify the mortgage to obtain a lower interest rate. XXXX at Ocwen advises that a modification if not likely unless there is an eminent default. I have a stellar pay history and am currently paid ahead through XX/XX/2017. It appears Ocwen works to help homeowners who have poor payment records but not those who are " good '' customers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX
Product: Debt collection

company has violated multiple federally protected consumer rights. 
company has assigned a debt to an attorney to collect. 
company released sensitive private medical information. 
company shared false information on my credit report with out my written consent. 
XXXX {$600.00}
Product: Credit reporting or other personal consumer reports

Towne Mortgage  reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX  but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that Towne Mortgage provided that XXXXXXXX XXXX has permission.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX Account has been paid in full as of XX/XX/24 and has been updated correctly on my XXXX credit file. XXXX and TransUnion are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at XXXX XXXX XXXX ( confirmation # XXXX ), I've been informed that XXXX XXXX has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and TransUnion are showing on my report. She was also unwilling to transfer me to XXXX XXXX credit dispute division and stated they do not speak to customers.
Product: Debt collection

I lived in XXXX XXXX. During the time I was living there there was an excessive roof damage. A plumbing issue. A water leak. I weight it out for 2 years. They filed an eviction because of an over payment bill I refused to pay. We went to court we both agreed to break the lease and I move. The apartment was in perfect condition. They are stated I am responsible to pay for the balance in the lease. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Omega RMS put me in the credit bureau for a collection of {$3400.00}. They nor anyone associated with them has never done anything for me. When I inquired it is suppose to be some wealth company. The only ones getting wealthy are them. They claimed I signed something with them. I never signed anything with them and have no idea what they are talking about. They claimed the program was available for me. I don't want their program and nothing to do with them and demand that they take my name out of the credit bureau and stop harassing me. Again I am to old and don't have money to give away for nothing. These people who ever they are never did anything for me and neither have I used any of their services.
Product: Debt collection

Radius global solutions sent me a piece of mail saying I owed {$230.00} in debt for a wells fargo account that I had closed in XXXX of XXXX. I am sure I verified with wells fargo that zeroed out my account after it was closed. I emailed XXXX to ask for proof that I owed this money and they never responded. I'm worried now that I somehow do need to pay this debt and that interest may be accruing because I haven't paid. 

Radius Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!