23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to negotiate a solution to my mortgage loan with Wells Fargo but they have been unreasonable and have refused to work with me. I have the means to afford my payment and after a bankruptcy discharge OFFERED to make double monthly payments to wipe out the last arrearages. Wells Fargo refused this offer and instead demanded full reinstatement. When I could not come up with the necessary funds they immediately set a sale date. This is an FHA loan backed by HUD, and Wells Fargo did not even open a review of my financial circumstances to consider this repayment plan. They also failed to consider a modification or special forbearance. My wife and I both work and are able to fix this problem but Wells Fargo is not playing fair. They are more interested in foreclosing than working things out.

My wife and I bought our home in XX/XX/2010. I have worked as a XXXX XXXX  for 9 years and my wife works as well. We had a bit of a family crisis a few years ago when my mom came down with XXXX and could no longer take care of herself. Although my father was living and with her, he was a XXXX XXXX and could barely care for himself. We had to become involved and help in her care. After my father passed away we had no options and had to come up with the funds to put her into an assisted living home. We had to put a lot of time and money into getting her set up and situated as well as settling my father 's affairs. Due to these events, we fell behind on our mortgage payment a few years ago. We contacted Wells at that time to modify the loan and eventually were approved for a program. However, our finances were still in shambles and we ended up reorganizing our debt through a Chapter XXXX  bankruptcy. We made all payments as agreed on the BK to the trustee and Wells continued to get paid each and every month. Once the bankruptcy was discharged we again tried to engage with the Wells loss mitigation agents to try and resolve this matter permanently. We asked if we could enter into a repayment plan and actually pay more than a double payment each month ( current payment is {$1300.00} and we offered to pay {$3000.00} a month ) but their agents would not accept this. We were told the only option was to fully reinstate the loan with a lump sum payment of {$8000.00} which we did not have at that time.

Wells Fargo has not considered us for programs such as loan modification, partial claim, special forbearance or a repayment plan. We had the means to afford a repayment plan that would have quickly gotten us back on track but their agents would not even CONSIDER it. This is egregious and shows that Wells Fargo is more interested in cashing in on the government insurance for this loan instead of trying to find a solution.
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 account # XXXX Since I filed my FTC Identity Report, XXXX XXXX I furthered look at my EQUIFAX credit report and noticed this account is accurate and incomplete. 

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 supposed to do this ( 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. 

and according to 15 USC 1681s-2 they are supposed 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

Per previous complaint, General Revenue Corp has admitted to violating my consumer rights to privacy, 15USC 1681 ( B ) Permissible Purpose, and providing inaccurate amounts owed to original credit.

I attached the reply from General Revenue Corp, where they stated that they provided a signed financial-aid certificate as proof debt. This is a/an admission of violating my consumer rights to privacy, and a violation of Permissible Purpose 15USC 1681 ( B ).
Product: Mortgage

We closed on a home on XXXX the bank, inspector, and realtor reported that the house had no damage to it. Today we had a third-party company come to take a look at our floors to remodel the old tiles and we were informed that the entire foundation of the home is cracked, from the walls down to the floors. The cracks lead down to the foundation that is collapsed. We were told that the house is unrepairable and should not have been sold. We want to file against both the bank and the inspector, for no reporting these massive damages to us. The sale is illegal, as they withheld key information from us, in the state that the house is in we would not have purchased it under any circumstance. This purchase was not made as an investment, but as our forever home as we are an older couple that can not afford to rebuild a home. We consider to have been lied to, and taken advantage of, and we were not at any point informed of the damage this home had. 
The inspector and the bank did not report any damage to the structure, foundation, or anything of the sort. We ask for help navigating this fraud, as we are simple older people who have never purchased a home before, and trusted that these professionals would follow the law.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You are furnishing inaccurate and incorrect information to the consumer reporting agencies. reporting of such inaccurate information has caused severe damage to my character, my rep general mode of living and my ability to obtain credit for personal, family and houschold pu is also damaging my ability to obtain consumer essential goods. You and your inaccurate rep damaged my livelihood. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer re agency if the person knows or consciously avoids knowing that the information is inace
Product: Debt collection

Someone rented an apartment in XXXX XXXX XXXX in Rhode Island using my SSN on XX/XX/XXXX and owe balance of XXXX XXXX Pro Collect Inc report a collection debt on my credit history on XX/XX/XXXX which impacted my credit history. I called Pro Collect Inc and tried to tell them I didnt owe this money but they are not accepting it and asking me to pay money. 

Pro Collect Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas - XXXX Pro Collect Confirmation No : XXXX Agent with whom I spoke with COntact No - XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion After reviewing my credit report I have noticed that you are reporting false and inaccurate information on XXXX XXXX XXXX account numberxxxxxx XXXX XX/XX/2019 you are reporting 120 days late. How is that possible? When the account status is still showing open. Please remove this account from my credit file immediately and send me a updated credit report showing the deletion. This is a violation under the FCRA Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did everything I was told to do by equifax and they still have not deleted the requested the information.. I called again on XXXX and Equifax told me there was no number on my ftc report??? so I have to send it in again. im am send all information I sent to equifax. the information i am requestion removed has been removed from XXXX. I will include a updated copy of that report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX  XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was a Bank of America / FIA Cardholder customer and signed up for paperless statements, sometime during 2015. At that time, Bank of America / FIA committed that they would keep statements on-line for up to 7 years, and that I could retrieve all statements by logging into their website. They have sold the credit card portfolio to another servicer ( XXXX XXXX XXXX ), and none of my prior statements are available. 

This creates all sorts of record keeping problems for me as a cardholder, business owner, and taxpayer.
Product: Mortgage

Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/3 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Vehicle loan or lease

Lender repossessed the vehicle but failed to issue a discretionary notice or any notice regarding the repossession. I am not required to pay if such a notice is not issued. I am also only required to pay if there is a deficiency and there is no paperwork outlining what the deficiency is or is not. I am also entitled to any monies if there is a surplus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID
Product: Credit reporting or other personal consumer reports

XXXX credit account on credit report past XXXX  years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title XXXX of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or XXXX, generally stays on a consumers credit report for up to XXXX years from the date of the negative event. 
After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.
Product: Checking or savings account

TRUIST block my money. When I opened account and deposit check, the next day they block my access to account. That is ok! I went to the brunch hoping they will give me back my money. But it is not happened. They give me phone number XXXX of XXXX XXXX XXXX. THIS IS NOT EVEN TRUIST BANK. JUST GIVE ME BACK MY MONEY AND THAT IS IT! DO NOT OPEN ACCOUNT WITH THEM.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX* Balance Owed : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I was in a serious car accident that totally wrecked my XXXX XXXX XXXX. 
Because the car was a lease, my insurance company, XXXX issued payment {$200000.00} to the Lease holder, American Honda Financial Corp. for the value of the car. 
However, I only owed XXXX {$16000.00}. XXXX informed me that I would receive a check from them within 7-10 days of them receiving a check from XXXX XXXX XXXX XXXX received the payment from XXXX in XXXX and I still have not received my check for {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified, i am a victim of identity theft, the fraudulent items are still reporting on my credit report
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

I have got in touch with citi regarding my citi double cash card. There's a debt of around {$11000.00} on there and i have already informed there about it for about a week or so. I was told i would be getting my money back but i have seen no efforts on it. This card was not used by me and yet i am still expected to pay for the monthly payments on the card. This is so frustrating. I haven't heard back from them yet. I was told i would get the money back in three days since i didn't do the spending. But it looks like they aren't even going to respond to my case. I am so so tired of this issue i want this fixed as soon as possible. Now I'm supposed to pay for a monthly bill which did not spend close to that amount
Product: Credit reporting

I 've been requesting my annual credit report and have not received anything fromTrans-Union after requesting me to submit qualifying documents, in which I submit copies of my Drivers license, Military ID, Utility bill and a copy of my SSN, all this since XXXX XXXX, 2015 and have not received nothing from.
Product: Credit reporting

I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.
Product: Credit reporting or other personal consumer reports

Che systems is preventing me from opening a bank account. Im trying to fix what is wrong but I dont know how to. Please advise me what I need to do. 
Thank you, XXXX XXXX
Product: Debt collection

I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to equifax, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXXXXXX XXXX XXXX reporting to my Experian that is illegal and fraudulent. I haven't lived in XXXX XXXX since XXXX, XXXX. When I called they informed me that the account was open in XXXX XXXX and they still proceed to be illegal and keep updating my address with the one I provide them for their response. They keep asking for my new address and then they add my new address to this account which is illegal. THIS ACCOUNT IS FRAUDULENT! 
I Am entitled to my Consumer RIghts. Account : XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Experian, you are my last hope. Please remove this fraudulent account from my report within 4 business days. I attached everything requested, thank you. 
I ALSO ATTACHED MY XXXX LEASE TO THIS COMPLAINT. 
I RESIDED IN XXXXXXXX XXXX WHEN THIS ACCOUNT WAS MADE. I DO NOT LIVE IN XXXX XXXX. I AM A VICTIM OF ID THEFT. PLEASE REFER TO MY LEASE ATTACHED. 
I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else. 

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION. 
I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I have been a resident of XXXXXXXX XXXX since XXXX, XXXX. I attached my lease from XXXX and My current electricity bill proving that I STILL ONLY RESIDE IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account for XXXX is a a result of identity theft. This is the second time experian report this fraudulent account. This account was originally removed for identity theft on XX/XX/2021 at the time is was XXXX as the original creditor and XXXX XXXX as the collector for {$2100.00}. Now Experian is reporting the same fraud account again with the name source XXXX XXXX original creditor is XXXX for {$2100.00}.
Product: Credit reporting

Incorrect information of inquiry by XXXX XXXX XXXX/XXXX/2015 and XXXX XXXX XXXX/XXXX/2015. 
They said they would not make a credit check on us. They said they would do a soft credit check that would not appear on our credit record.
Product: Debt collection

This is old debt sold to a collector who now shows this as new debt. Should have been off my report by now.