23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Product: Mortgage

Hello, Chase is the XXXX lien holder for this file. The offer was made and present in XXXX 2014. In the process of Chase reviewing the file for XXXX lien approval, I was able to obtain XXXX lien approval and it has already expired. I have a log which shows how Chase has continued to delay this file. 
XXXX - package sent via faxXXXX- 72 hours to be assigned to XXXX -activated for short sale, assigned processor, set up in XXXXXXXX- UPLOADED OFFER AND SUPPORTING DOCS TASK COMPLETED. 
XXXX req status of short sale from neg via XXXX - req updated bank statements, paystubs and bpreapplXXXX- req updated b preappl - GETTING COND XXXX req lox for condional appl, req updated XXXX bank satements from s, uploaded otherdocs to eq and sent message to XXXX uploaded bpappl, and XXXX bank to library - sent message to neg that they were added. 
XXXX rq status via eq - pending bpo and then to qc for reviewXXXX- req status via XXXX - req status via XXXX req status via XXXX in with investor for XXXX processor assigned, if anything needed they will ask, otherwise it will be asinged to neg. 
XXXX -- XXXX we are waiting for a negotiator to be assigned, all the docs that we received on XXXX are uploaded and in the file library. She was going to message the processor on the file to let them know that we need to get this moving since we have the XXXX mortgage approval. 
XXXX reached out to XXXX reached out to manager again. all tasks completed, not sure what the holdup XXXX - uploaded XXXX - sent request for status.. 
XXXX - internal em sent to neg/susp. 
XXXX sent message in XXXX - need buyer XXXX - uploaded buyer POF, requested status and XXXX - sent reqeust for status in XXXX resent buyer POF, lender ordering XXXX - several does NEEDED from XXXX but buyer is threatening to cancelling the deal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit cards counts that should show paid to XXXX one of them is closed the other is still open.
Product: Debt collection

This number has called me XXXX times a day. When I answer no one is there
Product: Payday loan

Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.
Product: Mortgage

On XX/XX/XXXX I contacted Wells Fargo to request assistance with my mortgage. 
Wells Fargo only offered XXXX option which doubled my mortgage yet they stated this was the only option. The payments were to begin in XXXX. 
I made the XXXX mortgage payments in XXXX which have to be made separately on XXXX different days. 
In spite of the arrangement being made on XX/XX/XXXX, Wells Fargo proceeded to initiate foreclosure proceedings ILLEGALLY and WITHOUT proper and legal process service. 
I wasnt aware of this, as I wasnt notified. 
In XXXX I received a letter in the mail regarding a FINAL hearing on my home. I contacted HUD and the courts and filed a complaint with CFPB after failing to get any information from Wells Fargo. 
A representative from HUD contacted me regarding my mortgage. He sent a follow up email stating that he spoke with Wells Fargo and informed me that I needed to call and apply for a loan modification with partial claim and that this would bring the loan current. 
I contacted Wells Fargo and was told there is no such thing yet I proceeded with the application process in hopes that Wells Fargo would consider my account for any and all options. 
XXXX at Wells Fargo contacted me and I provided CFPB with recordings of the calls. 
Although Wells Fargo stated to HUD that I would be considered for XXXX Recovery Modification with a Partial Claim, they told me the opposite and my mortgage was not considered for the loan modification. 
Once again, the only offer made was for me to pay double my monthly mortgage and I can not afford that. 
I have emailed Wells Fargo to ask about a forbearance as Ive never received XXXX, and to date they havent responded. 
In my last complaint I stated the following : 1. Wells Fargo mortgage practices are discriminatory. They have committed more than XXXX illegal act however they refuse to correct the issue for example the lack of leg service process, their outright refusal to provide loan modification options that are offered to others. 
2. Ive asked Wells Fargo to remedy these grievances to which they continue to produce fraudulent outlandish documents and say that they have mailed them to me however I received nothing from Wells Fargo. After being spoken to you in a very disrespectful and derogatory I requested that Wells Fargo not call me unless There is a mediator to ensure that they will conduct themselves in a professional fashion. I have emailed Wells Fargo several times and they have yet to respond. 

I allowed enough time to lapse as to ensure that the complaint is not seen as frivolous or insubstantial. I have yet to receive a email from Wells Fargo regarding the application or the request for mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

i fell behind. the lender wrote off the debt. they show that on my credit report. It then sold the debt and I am currently making payments. those payments are not reflected.
Product: Mortgage

I have sent multiple emails calls to the company regarding the insurance due which is due in 2 weeks. The company refused to pay. I do not want to be at a time period when the insurance lapse due to servicer 's negligence, I am submitting this company for the record so servicer do not blame that they did not receive any insurance invoice or email from the borrower.

Servicer has acted in bad faith especially with the escrow on tax payments and insurance payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that are inaccurate. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 
Furthermore, I have been informed by the creditors associated with these accounts that the accounts were erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 
Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
Please consider this letter as a formal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR FRAUD, INACCURATE AND UNVERIFIABLE ACCOUNT WITH XXXX  XXXX.
Product: Mortgage

Requested a payoff statement on XX/XX/XXXX good thru XX/XX/XXXX from XXXXoan Care LLC. Recieved payoff statement with payoff amount. Refinanced home. Title company sent payoff amount on XX/XX/XXXX. Payoff checked stamped recieved by Loan Care LLC. Title company ( XXXX XXXX XXXX ) received a returned check and new payoff statement on XX/XX/XXXX that was good thru XX/XX/XXXX asking for {$280.00} more than original payoff statement issued on XX/XX/XXXX. I called Loan Care LLC on XX/XX/XXXX to find out why there was a difference in the two statements. During the phone call they issued ANOTHER payoff statement without my request and the new payoff is now {$1000.00} more than the original statement given on XX/XX/XXXX. Originally they said the {$280.00} was due to tax distributions. However taxes were distributed in XXXX of XXXX before the original request for payoff statement. Loan Care then stated that the new payoff generated on XX/XX/XXXX is the amount that has to be paid even though the second statement sent to the title company states that it is good through XX/XX/XXXX. I have called Loan Care multiple times on XX/XX/XXXX trying to get answers as to why the payoff amount keeps rising. ( Twice in one day ) I keep getting placed on hold for extended periods of time. Requested to speak to a XXXX. After a very long hold was connected with XXXX XXXX at Loan Care LLC I spoke with her briefly before she asked to place me on hold. I then sat on hold for about 20-30 min before the I was hung up on. Still no answers to the large increase in payoff amount. I called back Loan Care LLC and was connected with XXXX. I asked XXXX to speak with the XXXX XXXX and explained that I was just on hold with her before the call was disconnected and I called right back, to which he said he wasn't sure she was available and would connect me with another XXXX and placed me on hold for what he said would be 3-4 minutes and turned into 45 min before a XXXX answered still without a resolution other than to pay the statement given this afternoon over the phone asking for {$1000.00} over the original payoff statement
Product: Credit card or prepaid card

I obtained a Santander Ultimate Cash Back credit card in the XXXX of XXXX. It promises 3 % on all " qualified '' purchases for the first year ( until XX/XX/XXXX in my case ). Two issues. First I have only received 1.5 % cash back since I have had the card. Second, I have attempted to find out whether any of my very ordinary purchases have not been qualified. I have looked everywhere on the Ultimate Cash Back website to find the definition of qualified and have not found one. Neither have I found the definition of " qualified '' in the paper work I was given upon signing up for the subject credit card.
Product: Credit reporting or other personal consumer reports

DEAR EXPERIAN, XXXX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

recently I put in a complaint that asking why XXXX was on my mortgage assignment and ocwens answer was they aquired my loan through XXXX in 2013 as part of XXXX bankruptcy ... but when I showed them different with paperwork they said it was a mistake ... i want to know why XXXX is on my corporate assignment of mortgage??
Product: Credit reporting, credit repair services, or other personal consumer reports

They put 14 late payment marks on account
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I leased a vehicle from XXXX/GM whose corporate offices are listed as General Motors Corporate Office,  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Texas XXXX, and had them deduct the payment from my checking account. Due to an accident on XX/XX/2019, the leased vehicle mentioned above is totaled and my insurance company XXXX paid off the value of the car shortly after the accident. A payment of {$210.00} was withdrawn from my account on the XXXX of XX/XX/2019. GM Financial claims that this overpayment was refunded on the fifth of XXXX. This is not accurate. Months later, after countless hours of calls, in XX/XX/2019, I forwarded my bank statement from XXXX to show that no money was received from GM Financial. After a few months, I finally received my overpayment of {$210.00}. 

GM Financial failed to close the file and notify the credit bureaus of the fact that I owe nothing. On my credit report, it still shows an outstanding balance over 350 days past due. Even though I havent owed anything on this account for more than 17 months. 

I have already gone through hell with them trying to get my money back. How long will it take to fix these problems without your help? I want them to close my file and notify the credit bureaus. This companys incompetence is costing me my credit rating and the ability to get loans, especially now that I am trying to refinance my home. 

Every time I call, I get the runaround. Again I called on XX/XX/XXXX, after 45 minutes and the customer service rep speaking to the supervisor, she told me my case had to be transferred to another department called the Consumer advisory section, This is ridiculous. I was supposed to receive a call today, XX/XX/XXXX, and still nothing. Could you please help me? 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny immigrants mortgages and single moms and they are all connected to practising blockbusting and proits from immigrants to charge higher interests if anyone gets that far
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity may have been compromised because my vehicle been stolen a while back and my personal information was taken out of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry into my XXXX credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/year> experian XXXX XXXX XXXX XXXXXXXX tx XXXX subject ; formal dispute regarding inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inacurracies, as required by federal law. 

recently, the consumer financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices, as outlined by the cfpb include ; conducting inadequate investigations that fail to address consumer disputes properly. 
reinserting previously disputed and inaccurate information without explanation. 
failing to notify consumers about investigation results effectively. these allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concerned that my dispute mayb be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to contact all XXXX  credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Debt collection

Collections ARS ACCOUNT RESOLUTI Opened 2019XXXX {$280.00} ARS ACCOUNT RESOLUTI Opened 2019XXXX {$530.00} I received a letter from ARS and correspondence by email that all of my debt from ARS would be removed from all 3 credit bureaus, these two accounts are still showing up with XXXX and XXXX... I have called these companies and they said that ARS has to be the one to give permission to delete these accounts..I am asking that ARS get in touch with these 2 companies and have the debt removed..this issue has been going on for months. Above shows the 2 accounts that are still showing on my credit reports.
Product: Debt collection

I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM
Product: Checking or savings account

On XX/XX/19 Ally bank closed my account for no reason i have no access to my funds. I was advised that the deciding to close my account due to a dispute for unauthorized charges so there for i believe they are wrong in this matter.