23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A XXXX XXXX sent me money under a false name of XXXX XXXX XX/XX/XXXX which I returned on XX/XX/XXXX. She file a claim about a purchase which makes no sense.Anyway, on XX/XX/. Venmo confiscated {$3.00} from me and froze my account demanding I pay {$390.00}. for the same money I paid back on XX/XX/XXXX. I sent them correspondence on XX/XX/XXXX this claim was false and they are know stealing money from me and extorting me for more. Venmo has serious risk issues
Product: Mortgage

Good morning. 
We are requesting assistance in liquidating our property and the associated debt as the home we purchased through the USDA program 2 1/2 years ago has fallen into disrepair and is no longer habitable. This unfortunate situation is clearly the result of a quick flip to cover up rather than fix the many preexisting issues the home had. Im curious how the home passed inspection or could have been appraised at the value it was at the time we purchased the property. There was no way that my husband and I could have ever known the problems we were to face only a year into our occupancy. 

We began to experience bubbling on our bedroom wall, which worsened over time. That following summer, we discovered a spot in the back of our daughters closet that had grown mold, her door would not shut because the doorjamb was swelling and the carpet was damp. We pulled up the carpet and cut the damp part of the wall away intending on patching it. Before we could start work, we discovered the floor buckling along the length of the house. After pulling up the boards, we discovered damp, wet concrete flooring and had to remove the doorjamb going into the hallway. The entire length of the house was wet, and it was coming from up above. Less than a year after moving in, we had to board up 1/3 of the house due to what appeared to be preexisting and new damage. The needed repairs could not be made until the heart of the problem was solved. We had roofers, basement repairs, and contractors come out. We dug up drainage tile from up above due to improper run-off and replaced it. It still leaked. We had the roof extended and replaced gutters. It still leaked. We were advised from a contractor that the entire roof would need excavated, cracks would need sealed, new rubber layed down, and then replace the dirt. The other option was to dig the parameter of the house, place footings and secure a roof over it. Dirt and all. The price ticket for the work was about $ 30K and that was just the outside. The inside was in dire need of extensive work at this point and problem spots were popping up everywhere. 

Our neighbors had informed us that previous owners went bankrupt trying to fix the problems this house had and even had pictures from when it had gone into foreclosure. All proving the problems had not been resolved. 

We finally came to the conclusion that we had to get out. We are fortunate that we qualified to buy a new home not dependent on the sale of the property associated with our Mr. Cooper USDA Loan. We have since moved into our new home and have continued to remain current on the dilapidated home which we no longer occupy. Paying both mortgages, however, this is not sustainable and we are looking to you for liquidation options. Selling outright isnt likely as the damages have undoubtedly depreciated the value and we owe more than the property is worth. Not because of a bad economy but a defective product. 
We feel we were misled and taken advantage of.We need to know how you, the servicer and the USDA are going to help right the situation?
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/scrub>XXXX CUSTOMER NAME XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling my daughters dance costume over XXXX for {$200.00} I was contacted on XX/XX/22 from someone asking to purchase via Zelle. Information sent for her to send to send money to and I did received some type of email confirmation that payment had been sent then on XX/XX/22 Received an email that my account can not receive payment due to low limit and and buyer needed to send me {$800.00} To increase the limit on my Zelle account and to refund the {$800.00} to the buyer which was done, received message on XX/XX/22 That server had updated overnight and buyers account had been double charged the {$800.00} and to send another refund and that all purchases and money transferred would be held into an account Until all checks and balances made and then would be redistributed received another message on XX/XX/22 That an XXXX Fee of {$2000.00} had been Applied and the buyer would need to pay this and I reimburse the buyer I have copies of all emails and pictures of account transfers from said buyer, I then received another email on XX/XX/22 In regards that everything was almost settled but another fee had been applied a {$1500.00} and that the The buyer we need to pay this and be refunded I have not made any transaction in regards to this {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Credit reporting

equifax say that the items was verified but refused to answer the question for my method of verification, who did they speak with, the phone number they called and it took more than 30 days for my investigation
Product: Credit reporting

Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )
Product: Mortgage

This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

About a year ago on XXXX, I came across a guy on social media who I thought could teach me how to invest in my money and I put in about {$16000.00} for him to invest which I naively did into this website that I no longer have access to. I later found a lot of suspicious things about him and I had to do my research only to find out there were other people who had an encounter with him and knew him as a scammer. So after I found out about that I had to block him immediately and no longer contact him. I do have screenshots of our conversation to back up the claim.
Product: Credit reporting or other personal consumer reports

Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost Teo years. 
They broke laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid-19 started my account was current. I tried numerous times to work with Acima Credit, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to XXXX. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.
Product: Credit reporting or other personal consumer reports

CFPB case number XXXX follow up I received a digital response from Wells Fargo to this report on XX/XX/. The cover email said the case had been closed. I could not open the file because it was corrupted. On XX/XX/, I received a letter from XXXX XXXX, Escalation Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, cc : Consumer Financial Protection Bureau. 

Problem 1 ) The first two pages of this missal say the case is closed and no transactions appear on my statements after XX/XX/. This is clearly not true because the charge appears on the copies of my XXXX, XXXX, and XXXX XXXX  Wells Fargo statements which are in my files. 
Problem 2 ) XXXX XXXX included with the letter addressed to me at my home address in XXXX, AZ, twelve ( 12 ) pages of double-sided printouts of Wells Fargo Combined Statement of Accounts dated XX/XX/ and XX/XX/XXXX XXXX XXXX  as well as Wells Fargo Active Cash VISA Signatures Card XXXX account ending in XXXX, dated XX/XX/ to XX/XX/, and dateXXXX XXXX to XX/XX/. The identifying name and address on all 24 sides is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX. 

Not only has Wells Fargo refused to address my original complaint, but also Wells Fargo has now exposed another customer 's identity to me, a person who has no right to see XXXX XXXX 's financial records. I had spent months attempting to enlist Wells Fargo in efforts to rectify its records in relation to my own account. Not only is my own issue not resolved, but also Wells Fargo has created a situation in which another customer needs to act to protect her financial information. I must admit this makes me very concerned about just how all financial information is managed at Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX All XXXX credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

XXXX & Experian Inaccurate Inquiries : 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 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 - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



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

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX  ) and the Creditor ( DEPT ED/NELNET ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX Account - XXXX XXXX  I asked for proof of late payments or deletion.
Product: Credit card or prepaid card

USAA FEDERAL SAVINGS BANK HAS ILLEGALLY DEFRAUDED THE CLAIMANT BY ADMITTING ON XXXX XXXX XXXX THAT MULTIPLE ILLEGAL VISA CREDIT CARS WERE OPENED BY CYBERCRIMINALS AND FINANCIAL THEFT HAS BEEN UNRESOLVED FOR OVER 12 MONTHS WITHOUT CLOSURE 
THIS SERIOUS HACKING OF MY EXCELLENT NAME AND CREDIT RATING IS OUTRAGEOUS AND EXTREMELY FRUSTRATING AND THE TERMINATION OF ALL ACCOUNTS IS REQUIRED BY THE CLAIMANT IMMEDIATELY 
THIS MATTER HAS BEEN REPORTED TO THE FBI IN XXXX XXXX TEXAS AND THE 
FBI IN XXXX XXXX NEVADA IN CHARACTER ASSINATION IN ILLEGAL XXXX  INDEMNITY 
THE CONSUMER FINANCIAL PROTECTION BEAREAU MUST INVESTIGATE ALL FRAUD AT
USAA BANK  WITH ALL FRAUD DEPARTMENT OFFICIALS INCLUDING XXXX XXXX IMMEDIATELY AND REQUIRE A WRITTEN CRIMINAL INVESTIGATION WITH REPORT TO THE VICTIM OF IDENTITY THEFT AT 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
INVESTIGATE WITH IMPUNITY IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

I built my house in 1992 and refinanced a 6.78 to a 4.3 with Quicken Loans I did not take any money out just wanted to get a better interest rate. I explained that I had 10 years on my current note and did not want to do another new loan and I had a conventional. When I received my paperwork after the closing they had transferred my conventional into an FHA and I was charged with PMI ..I never had to pay PMI on my first loan and they did not appraise my home for the proper size and rooms. I was told they DO NOT consider basements as part of the home but my basement is open and has a full bath, bedroom TV room and weight room. Quicken Loans told me I would have to wait until the 5 years of PMI was paid before I could do anything and now it is complete but I am still locked into a new 30 year loan which means I will be paying on my home for 60 years. This is atrocious in so many ways and I was told by the my loan director director that I could appeal after the 1st year but he quit and I could not get anyone to talk to me about what they had done I should have been notified before closing that my loan was being taken from the conventional to the FHA they just transferred without my knowledge. I was told also that I would be refunded on my credit card the {$500.00} that I had to put down but that never happened either. I am filing this complaint because I was deceived and now I am stuck in another 30 year loan on a home I built in 1992. My house is XXXX square feet and they only appraised XXXX square ft. and that is why they charged me with the PMI I have never been late on my house note and they had no right to transfer my loan and charge me with 5 years of PMI on a house that was 20 years old. Quicken Loans should be liable for what they have done on my loan and I am asking for your help in having my note re-written as I would have had only 5 more years to pay on my home. Regards XXXX
Product: Checking or savings account

7 years ago I opened a key bank account Account number XXXX Routing number : XXXX I was trying to build my credit an get my life together but a few months after opening the account I went to XXXX for a party with my children an misplaced my wallet on XXXX my wallet had the following items : Social security card : birth certificate : bank cards : id Everything you would need to scam Somebody basically was in my wallet for them to scam me I never had a fraudulent situation happen ever in my life an Im being held back from getting an account because of somebody elses mistakes yes I lost my card but I never scammed nobody in my life please help me
Product: Debt collection

This notice is to inform you that you are AGAIN in violation of 1006.26 ( a ) ( 1 ) 2 and 1006.34 ( D ) ( 3 ) 4 ( b ) of The Code of Federal Regulations for attempting to collect on Time-Barred Debt. The above debt you are attempting to collect has been closed by XXXX XXXX XXXX on XX/XX/year>. In accordance with 15 USC 1692 805c of The Fair Debt Collection Practices Act, I demand you cease all communication with me concerning this account. 

I have filed second complaint with The Consumer Financial Protection Bureau to protect my consumer rights. An additional complaint was filed with your states Attorney General Office to further disclose your business practices. I will forward all documents to XXXX XXXX XXXX and my attorneys for their review. 

Failure to comply will result in legal action taken against Abbott Osborn & Jacobs & HS Financial Group for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is the third time I have written to you regarding the same account and I am still seeing the same problem. Please send me the method you used to investigate my dispute. If not, delete that account from my credit that is affecting my credit history.