23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX. 

In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.

The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program. 

The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool. 

I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation. 

My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.
Product: Debt collection

I am requesting that it will be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to XXXX, XXXX  and Transunion by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XX/XX/1983.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was inquiring about a mortgage from XXXX/quicken, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the XXXX   and Equifax credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the Equifax and XXXX  were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???
Product: Debt collection

I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from Wells Fargo Bank ... I never had an account with Wells Fargo Bank ...
Product: Credit reporting or other personal consumer reports

XXXX of the credit cards I had with XXXX XXXX were closed, charged off back, and sold in XXXX. As of XXXX of XXXX those accounts began appearing back on all XXXX of my credit reports with the balance due and appearing as though that balance is late every month. 

This is hindering me from being able to refinance my home and purchase a new car. I have tried to dispute these items with XXXX XXXX because if you've charged off and sold the accounts I'm not sure if it's legal for you to report the balance as late also, but the Credit Report Agencies all come back with verified and no change. 
These accounts are due to fall off in XXXX. I'm confused what XXXX XXXX is doing. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : BBVA USA XXXX Balance : {$0.00} ; BBVA USA XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information on my credit report regarding accounts that have been inaccurately marked as late payments. After thoroughly reviewing my financial records, I have confirmed that these accounts were paid on time, and the current reporting does not accurately reflect my payment history.

This erroneous information has unfairly impacted my FICO Score, potentially affecting my ability to obtain credit and financial opportunities. Under the Fair Credit Billing Act ( 15 U.S.C. 1666b ), I am entitled to a fair and accurate review of disputed items. Therefore, I am requesting an immediate investigation into this matter and a correction of these accounts to reflect their true, on-time payment status.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I have the news that I still have this fraudulent account that had previously been removed and this reappears and is hurting my credit and my opportunity to have opportunities and this is against the law to obtain credit please remove these fraudulent accounts from my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX 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, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Bank of America called me and told me I was behind on a credit card that I have never applied for. ( {$7500.00} ). Someone in XXXX got my information and got a credit card. XXXX from BOA informed me of that. They told me I had to pay the over due payment. I told them I will not because I live in XXXX XXXX. I will not pay for something I havent got. I did call the police here in XXXX and filed a report. They said they would send me information but Im assuming they sent it to XXXX, because I havent received anything as of yet. This started on XX/XX/XXXX and nothing has been resolved
Product: Credit card or prepaid card

On XXXX XXXX I utilized accumulated points ( XXXX the equivalent of {$590.00} ) to reserve a rental car in XXXX XXXX XXXX, starting XX/XX/2023 until XX/XX/2023. Got a confirmation # XXXX. This booking was done through Chase Travel. A Trip I.D . # XXXX was issued to me. Pick up time of XXXX at XXXX XXXX XXXX was arranged. We would be picked up at the airport and shuttled to the XXXX XXXXXXXX XXXX XXXX XXXX location. We arrived by XXXX XXXX flight # XXXX that was on time. Upon reaching the arrival area, no XXXX XXXX Representative could be seen. Call the XXXX XXXX XXXX # listed on the voucher and the phone was not answered. We had to scramble for transportation by taxi as no cars we available from other companies. Upon reaching our accommodation we called Chase XXXX and complained about not being pickup nor being able to reach the company by phone. Requested a refund of points. On Sunday XX/XX/2023 we received an apology from Chase XXXX for the delay in answering our refund request. On Monday XX/XX/XXXX, XXXX we received correspondence from Chase XXXX stating that request was denied ; Reason : I did not qualify for a Security Deposit Check. I who hold a Chase card through which the car was rented. I never got the car nor points back. XX/XX/2023, I responded to denial of returning my points. XX/XX/2023 got an additional denial to another request flied. Made several calls to Chase Travel submitting request for reinstatement of points only to be taken through what was called an escalation to 2 or three experts in the travel department and the ultimate denial. On XXXX XXXX an expert with Chase Travel wrote to say I was awarded 7500 Goodwill points. I lost 47272 points and I need a complete restoration. In my opinion that would only be fair. Chase Bank needs to take responsibility for that. I was instructed to make an appeal. Embarking on the appeal process revealed it to be a sham. I was asked for the Trip I. DXXXX # XXXX. When I provided it, they respond that that # could not be found therefore I could not proceed. It was nothing but another exercise in frustration to help in defrauding us.
Product: Credit reporting or other personal consumer reports

Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX ( BANK ) XXXX BANK XXXX XXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello XXXX, I wanted to share my frustration and concerns that I am currently having with WesBanco. Please see the attached email threads for an explanation and history. 

I understand XXXX is currently out of the office until the XXXX. I would like a complete explanation and reconciliation on this issue on Monday the XXXX. 

Hi XXXX, I'm sorry I didn't get back to you yesterday. XXXX walked me through the situation and told me the payment was applied to your other loan, which reduced the payoff and lowered the amount of interest that was paid by you. Since the loan is paid off, I'm not sure what we can do? I'm sorry if this was an inconvenience to you. 

Regards, XXXX XXXX XXXX & XXXX Business Development, WesBanco Bank , Inc . 
XXXX XXXX| ( XXXX ) XXXX XXXX www.wesbanco.com XXXX, XXXX, this was not approved my me to take my payment on a specific loan payment and apply that payment to another loan. There has been no communication, confirmation of said payment and to what account the payment was applied to. This was not authorized by me. 

You mentioned that the payment was applied to another loan? What loan are you talking about and where is the reconciliation of the payment. I would like to see an exact principal balance prior to this payment being applied when it was paid and what the balance currently is. 

You ask if this has inconvenienced me, I have been requesting information since I paid the original loan off on XX/XX/year>. In the attached letter from Wesbanco where does the letter mention that by {$270.00} payment was applied to your other loan. What does that even mean for a financial institution to proceed in this manner? 

I am requesting a refund of {$270.00} for the overpayment of the below loan and attached letter. 





I
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I had severe health problems which led to me being forced to be under medically XXXX XXXX. Luckily for me the health issues I was able to overcome, after staying in the hospital for over XXXX weeks I was then transferred to a XXXX XXXX for another XXXX weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the hospital under XXXX XXXX my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with XXXX XXXX XXXX has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax have not removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within XXXX  days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Checking or savings account

Hello, i deposited a check for {$2500.00} that was supposed to be released on XX/XX/XXXX bank has now pushed it out and may extend it more according to the person i spoke to. Was told first contact XX/XX/XXXX now its undetermined. Its a check from a lawyer and citizens is refusing to verify funds because the lawyer group sees no request for it
Product: Debt collection

pER FCRA SECTION 623 THE DEBT COLLECTOR IS DISOBEYING MY COMMANDS AS THE CONSUMER AND AFFIANT. I TOLD THEM I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND TO PLEASE DICHARGED OFF MY CREDIT REPORT. i SENT OUT A LETTER ON XX/XX/2022 AND HAVEN'T GOTTON A REPONSE BACK.
Product: Student loan

- My student loans were transferred from XXXX to FedLoan with an amount of {$29000.00} - See Loan Summary Document - XXXX for proof of amount transferred - On XX/XX/2022 I called FedLoan and requested a refund of the payments I made during the COVID-19 pandemic to the amount of {$6500.00} and received a transaction ID XXXX as confirmation - See Payment History XXXX XXXX XXXX  PDF for proof of payment amount. 
- FedLoan stated it would take " two weeks to two months '' to receive a refund. 
- I called FedLoan in XXXX to confirm everything was OK for the refund and was told it was. 
- In XXXX I noticed my loan amount had been adjusted to reflect I had received the refund and my loan increased from {$29000.00} to {$34000.00}, however, I had yet to get the refund - See FedLoan - Payment History to see the adjustment and amount increased. 
- I called FedLoan after I noticed this and mentioned how my loan total had increased to reflect a refund I had not received. I was told that refunds were taking up to four months and to wait. 
- On XX/XX/XXXX I was notified by FedLoan that my loans were being transferred to XXXX - See Loans Transferring XXXX. 
- I've reached out to a FedLoan representative multiple times in XXXX and XXXX. In my last phone call, the representative said that I should give it six months to receive a refund and that they can't help me anymore since they no longer own my loans. 
- At this point it's been the six months since I requested a refund. My loan total has increase to reflect I received a refund, however, I have yet to see the money. 
- I reached out to XXXX and they opened a case three weeks ago. However, I have been trying to contact them multiple times this week and whenever I select to speak with a representative the call is disconnected. I haven't been able to reach anyone for the past week, I'm not even placed on hold, the call just gets disconnected.

- Please help me figure out what is happening with this refund. It's been six months and my loans reflect that I received a refund, even though that is not the case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX 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 my 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 those account 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 date.

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

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX  {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX  {$760.00} 4 ) XXXX XXXX XXXX   {$950.00}
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/ with XXXX for XXXX solar panels, through Goodleap financing. I was approved for a loan for XXXX solar panels. During the loan, the loan cancelled, due to time that it was taking to install the solar panels. Trying to figure out the process of either going through a new company or continuing with XXXX XXXX, I signed a loan with a different company and financing company. XXXX XXXX called me and told me to cancel the loan with the other company, due to the fact that I still had a loan with GoodLeap ( How did XXXX know this? I'll never know ). I called GoodLeap and confirmed that XXXX cancelled the loan. XXXX 's representative, XXXX XXXX, called me on the phone ( with his personal cellphone ) and told me that it was not cancelled and all that he had to do was reconfirm the loan. I cancelled the loan with the other company believing that it was a reconfirmation of the first loan. On XXXX  Goodleap emailed me to call in and verify the loan through their XXXX #, it reflects this phone call on my telephone logs. They also re-confirmed the first loan on XXXX by sending me an email and telling me I was approved and nothing further was needed. On XX/XX/, a whole day later, a new loan was signed. It was signed in a place and a time that I was not at. Their representative from Goodleap stated to me that the loan was signed at my house on XX/XX/ at XXXX. I was XXXX hours away when that new loan was supposedly signed. On XX/XX/ an adder was then added to the loan, which did not hold my signature. That added an extra XXXX $ to my loan. If XXXX and Goodleap reconfirmed the loan with me on XXXX and told me nothing else was needed, WHY would I need to sign a loan on XX/XX/? Additionally, adding an extra XXXX $ to the loan AFTER a loan ( even though fraudulent ) has been signed is NOT legal. Furthermore, now I'm overcharged with fraudulent charges on my loan and I did not even get number of solar panels I was originally supposed to have. Additionally, the installer placed the solar panels wrong on my roof, and I'm going back and forth with my HOA because of it. This is FRAUDULENT all around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX  XXXX XXXX XXXX  Balance : {$460.00} XXXX, XXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}