23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days.
Product: Debt collection

Nissan Motors Account number ending in XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit report. Despite my efforts to resolve this, it remains unresolved. I request immediate removal of this item.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All three Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed the accounts with Equifax in which Equifax corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank & XXXX XXXX regarding the alleged accounts. XXXX was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditor XXXX XXXX Bank or XXXX XXXX can not validate the alleged debts?
Product: Debt or credit management

Dear consumer finance I am writing to address an issue concerning my credit report. I do not recognize any association with Wakefield and associates, which claims to be affiliated with a hospital in Tennessee. As a resident of Florida, I have no connection to this entity. 

WAKEFIELD AND ASSOCIATES medical bill Collection - XXXX Month Opened : XX/XX/XXXX Credit Bureaus : XXXX XXXX # XXXX I kindly request that you stop reporting this account to the credit bureaus as it is negatively impacting my credit score. Please investigate this matter and correct any inaccuracies.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

InXX/XX/XXXXIenteredintoarehabloanagreementwithConservetobringmeoutofdefault.Theyneversentmeanyfinalpaperworkorcorrespondence,theyjuststartedtakingautomaticpaymentsoutofmybankaccountwhichIauthorizedundertheassumptionthepaymentswerebasedontheloanrehabagreement.Thepaymentshavebeentakenoutmonthlyfor2years.Isporadicallywouldreceivealetternotifyingmethattheamountpursuanttomyloanagreementandpriorauthorizationwouldbededucted(acopyofoneofthelettersisattached).IreceivedNOothercorrespondenceotherthanthesesporadicletters.ThisyearmyhusbandandIfiledjointtaxreturnsandreceivedanoticethattheentireamountwastakenasanIRSoffsetduetomyUSDeptofEdloanbeingindefault.IcalledthenumberontheIRSletter(USDeptofEducation)andtheautomatedsystemsaidmyaccountiswithConserve&transferredmetothem.TheytoldmethatafterIfilledoutallthedocuments(backin2016)theydidanauditanditwasdeterminedIshouldbepayingmorethanwhatmycurrentamountis,butIwasnevernotified.IreceivednocorrespondenceinanywayormessagesoremailsoranythingfromConserveabouttheproblemwiththeamountotherthanthesporadiclettersImentioned(oneisattached)andsincetheautomaticpaymentswerebeingtakenmonthlyfrommybankaccounthowwouldIknowtherewasanissue.IaskedthemwhyIwasnottoldabouttheoffsetsoIcouldhavetriedtorectifythesituationandwastoldwecantgeneratethattypeofcorrespondenceIaskedwhynobodycontactedme,Iwastoldwetriedtocall.IaskedwhenIreceivednomessagesandiftheycouldntgetmebyphonewhydidnttheysendmecorrespondence.Iwastoldwecantdothat.Sohowisapersonsupposedtorectifyasituationthattheyarentevenawareof?HejusttoldmetohavemyhusbandfilloutaninjuredspouseformbutwouldnotgivemeananswerofhowImindefaultifIhavebeenmakingpaymentsfor2yearsandwasNEVERtoldtheirwasanissuewiththeamount.Theywouldnothelpmeatall.IcalledtheIRSoffsetnumberitsaidtherewerenone,IcalledUSDeptofEducationtheytellmecallConserve,IcallConservetheywontgivemeananswerofhowImindefaultifIvebeenpayingwhatIthoughtwasalegitimateloanrehab.Nobodywillanswerme,nobodywilltellmyhowthishappenedandwhatIcandoandwhy/howImindefaultifIvepaidmonthly.
Product: Student loan

I've submitted my XXXX application to Mohela by faxing it to XXXX several times starting XX/XX/XXXX and most recently XX/XX/XXXX. I have my confirmation sheets. Everytime that I call Mohela, they say that they do not have my fax and that I should re-send it. Also that they can not look my information up to see what is happening because my loans are not with them. They tell me to call my XXXX XXXX, but my loan servicer sends me back to them because they say that they are not facilitating the XXXX program. I am getting the run around both ways.
Product: Debt collection

On XX/XX/XXXX i filed for chapt XXXX in RI. All my debt was discharged in XXXX of XXXX. 
A lien was put on my house in XXXX of XXXX sum of {$1900.00}. File no. XXXX. Plaintive - CITIBANK account ending last four XXXX. Plaintiff 's Attorney XXXX XXXX XXXX XXXX. 
I don't remember being properly served and I don't have any paperwork or communication with citibank or their attorney for that time. 
I am currently in the process of refinancing my home. 
The title search discovered the lien. I contacted my attorney about 3 to 4 weeks ago. XXXX XXXX XXXX XXXX who processed my chapt XXXX. 
From what I understand of the conversation between the two attorneys is that Citibank will not release the lien on my home without a payment of aprox {$3600.00} almost double the amount of the original discharged amount. 
I am being extorted in this time of a national emergency and financial crisis. I can not pay the {$3600.00}. that has been discharged and I can not refinance my home with this lean on my home. 
I live in this home year round and need immediate financial relief.
Product: Credit card or prepaid card

I ate at a restaurant on XX/XX/2018. The original bill was {$29.00} and I added a {$3.00} tip for a total of {$32.00}. The restaurant modified my receipt and changed the tip amount to {$8.00} for a new total of {$37.00}. I disputed the new charge on the basis of fraud and the bank initially refunded my account. The restaurant provided a copy of the receipt and the bank subsequently reversed the credit and charged me the full amount. The receipt provided by the merchant clearly shows the intended total I wanted to pay was {$32.00}.
Product: Credit reporting or other personal consumer reports

Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX  Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX  Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Product: Mortgage

I am a heir to my father 's property with a debt of about {$55000.00} owed to bank. My mortgage payments at the time were {$350.00} which were reduced to XXXX through a modification in XXXX. I've lived in the home for 17 years since my father made settlement on XX/XX/XXXX initially I fell behind in the mortgage due to his death. Soon after I probated the estate and the Deed to the property was placed in my name. I made on time payments for 10 months until XX/XX/XXXX when my car window got shot out. I immediately called the mortgage and told them I would have a problem making my XX/XX/XXXX payment and I was told that they couldn't work anything out with me because I wasn't my father. However I'm the one who has been sued do to me probating the Estate and my hands are tied when it comes to the property in every way. I'm not allowed to do anything but make payments, although I've breached the modification due to a reduction in my income ( new employer ), I'm being told that I can't modify the loan again because I'm not my deceased father. I'm also being told that the loan isn't assumable. I've had previous modifications and I've been told by the bank for years that the loan is assumable. " If I bring the loan current I can then work on the assumption of the property ''. I wouldn't be doing everything in my power to keep the property if I know I'll never really be the owner, at this time I'm looking for more income and I have until XX/XX/XXXX to do so with hopes of re applying for a new loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Reviewed credit report and noticed a charged off loan amount of {$7300.00} for a derogatory account at Oportun Bank. I had no knowledge of the account and did not authorize this account to open. The account was opened in XX/XX/XXXX. 

I have contacted the bank and am in the process of disputing this account. 

I filed a police police report for ID theft on XX/XX/XXXX. 

I contacted XXXX, XXXX, and XXXX on XX/XX/XXXX to dispute the loan on my credit report and have also placed fraud alerts on my credit.
Product: Debt collection

During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 Account XXXX  XXXX, 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 or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request that you do the below-mentioned things : Enter your request here. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) Capital One US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Debt collection

Collections account from Caine & Weiner showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. 
I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Caine and Weiner regarding this debt or any validation that I owe the alleged debt.
Product: Debt collection

On XXXX XXXX, I received a note on my front door by a Company identified as XXXX. The note said that they had identified my home as being abandoned even though I live there with my XXXX year old girl. The house has been foreclosed on and a Sheriff 's sale date is set for XXXX, XXXX, 2015. I immediately contacted XXXX and told them my home was not abandoned and they told me to contact the servicer who is Nationstar home Mortgage. I contacted Nationstar via email on XXXX XXXX via email and told them my home was not abandoned and to please not send anybody on to my property until the house was legally theirs. On XXXX XXXX, my daughter heard somebody trying to open the front door while I was in the kitchen making her lunch. I looked out the window and saw a gentleman walking around to the back of my house and began entering the back door. I stopped him in his tracks and he told me that he had permission from Nationstar to enter my home and that it was abandoned and that the locks had been changed. He showed me a set of keys that allegedly belonged to the " changed '' locks on my door. My house was not abandoned and Nationstar was notified 2 weeks prior. I have confirmation emails stating that they were told this. This is harassment and now my daughter is afraid to be in our home and I am afraid to leave my house. The man who attempted to enter my home was named XXXX XXXX and he works for XXXX in XXXX, WI. His phone number is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX US DEPARTMENT OF EDU , XXXXXXXX XXXX was never late! I have had exceptional payment history with SELF / LEAD, US DEPT. OF EDUCATION/XXXX, US DEPARTMENT OF EDU , XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX, US DEPARTMENT OF EDU XXXX XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports