23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is alleging a few things. 

XXXX. The mortgage of XXXX XXXX XXXX was not reaffirmed in XXXX after a XXXX filing that was supported by a homestead deed of exemption signed by XXXX XXXX XXXX and evidence of no delinquency in mortgage. 

XXXX. Wells Fargo is not responsible for the conduct of the states XXXX of XXXX ( State of Virginia or otherwise ) that decides to revoke a person 's license because they refuse to give up their property or to take up the matter as a method to deny reinstatement. 

XXXX. Wells Fargo is alleging that the Substitute trustee or trustee has the right to convey property per the contract but has not provided XXXX XXXX XXXX with a copy of such. 

XXXX. Wells Fargo is alleging not receiving money from XXXX XXXX XXXX I guess since XXXX when the XXXX  case closed but a payment history refutes that information and XXXX XXXX XXXX specifically filed another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA in XXXX when the U.S. XXXX Court refused to return monies she paid in court because they distributed those funds to her attorney and Wells Fargo XXXX Wells Fargo refused XXXX return all monies misapproprated and not applied to the account of XXXX XXXX XXXX XXXX and XXXX Bank denied having anything to do with the money paid inside and outside of the U.S. Bankruptcy Court , to Wells Fargo or the escrow account of XXXX XXXX XXXX which is the duty of a trustee. 

XXXX. Wells Fargo asserts that XXXX XXXX XXXX had approximately XXXX in assets when she applied for a mortgage and it is assumes that it includes the land but Wells Fargo is denying XXXX XXXX XXXX the right to her property along with others such as the XXXX XXXX XXXX XXXX, state or local courts, etc.
Product: Checking or savings account

I reported to PNC that my checking account had been compromised by allowing multiple e-checks to be paid out on that I was not involved with and had no knowledge of until reviewing my account. Upon my initial call to PNC, they confirmed that the account did appear to have been compromised and they would send me an affidavit for each of the fraudulent e-checks that were released. Promptly after receiving the affidavits in the mail, I went to my local branch ( PNC in XXXX, MD XXXX ) to have them notarized and submit them. It was at that time, I was notified that PNC had mailed me a letter stating they were closing the case and would not be refunding any of my money because they viewed it as my negligence. I responded to their internal complaint department ( spoke to the investigator named XXXX - complaint # XXXX ) explaining that they were the ones that allowed the funds to be withdrawn and should be responsible for returning it. They said they would see what they could do and told me to wait to hear back from them. Its been 3 weeks and XXXX from the PNC Fraud Department ( XXXX ) finally responded and said that they were not going to replace my funds. They have allowed {$13000.00} to be siphoned from my checking account without any security or efforts to protect my money. Here are the check numbers, dates and amounts : XX/XX/XXXX {$2700.00} ( ck # XXXX ) XX/XX/XXXX {$500.00} ( ck # XXXX ) XX/XX/XXXX {$600.00} ( ck # XXXX ) XX/XX/XXXX {$2000.00} ( ck # XXXX ) XX/XX/XXXX {$2700.00} ( ck # XXXX ) XX/XX/XXXX {$2700.00} ( ck # XXXX ) XX/XX/XXXX {$2300.00} ( ck # XXXX )
Product: Credit reporting or other personal consumer reports

I made the first call to Comenity bank on XXXX XXXX about a refund due to me from a XXXXXXXX XXXX store credit. The credit was for {$26.00}. Apparently I had XXXX closed accounts with the bank. A XXXX  account closed XXXX XXXX and a Victoria secret account closed XX/XX/year>. Both closed with XXXX balance. I was sent the check and deposited into my bank. XXXX weeks later I received a Victoria secret credit statement with a balance of {$26.00}. Assuming it was fraud I called Victoria secret to see hows this is possible when I didnt use the card and the account has been closed for XXXX years. It was discovered that the check was issued as a refund for Victoria secret instead of XXXX. I was told that the situation will be corrected not to worry. I was given the case number XXXX The refund department made the refund out from the wrong account and since I had already deposited the check they would make the necessary accounting adjustment on their end. A week later I received another check for the same amount {$26.00} and notice it said XXXX  on it. I immediately call the bank Comenity to inquire why was this check sent when weve discussed I already received the refund although it was under the wrong account that they were going to make the necessary adjustments on their end. I was told dont cash the check they will correct the issue. I DID NOT CASH THE CHECK. I offered to go to my bank where the check was deposited to see if I could get it returned. I was told by the the rep that it would not be necessary since the check was deposited. She stated she sees the error and would make the corrections and I would receive a letter. Which I still yet havent received. 
A few weeks later I revived a credit alert that XXXX of my accounts were 30 days delinquent. I checked to see what the alert was about and Victoria secret reported this false information and balance of {$26.00} plus late fees to the credit bureau affecting my credit score to drastically drop. I called again to get this situation rectified to avail. XXXX being charged XXXX for a refund rightfully owed to me plus XXXX charges of {$35.00} for late fee. Again to charges were made. This account was closed. I spoke to a rep again today which prompted this complaint because my credit it affected, please see attached all supporting documents and a balance is still pending with fee all In error. Its now XXXX months later and XXXX stilling dealing with this problem. The rep today wanted me to make a payment of {$26.00} and cash the second check to resolve this issue. Im extremely uncomfortable submitting my credit card or bank card to Comenity because of this issue. I have great discernment to cash or deposit the second check knowing the headache Ive experiencing over this matter. The previous rep told me not to cash the check. All of this conflicting information isnt helping to resolve this matter which I know could have been easily resolved with a credit, debit entry made on the refund team side.
Product: Credit card

I rent a car from XXXX car rental on XX/XX/year> using my husbands name. I paid it with my Capital one credit card for {$87.00} on XXXX website. But when we are about to pick up the car at the XXXX XXXX XXXX, they asked for flight ticket but of course we dont have one. Then they didnt let my husband pay the insurance with debit card and kept asking for a credit card! Then after he said he doesnt have one and we asked for a refund, XXXX was refused to refund my money! We kept going back and forth. And why dont they let us rent the car if they still wan na took my money for {$87.00}? I disputed it to my credit card on Capital One and they did disputed it on XX/XX/XXXX. But now I just realized on XX/XX/year> they charged me the money back for that amount {$87.00}. I didnt rent the car and I have to pay for another rental car on enterprise because they didnt let me rent the car and XXXX also stole my money. Can you please help me! Im a housewife and Im not working. I need the money to buy my daily needs for my kids. Please help me! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect addresses and work history. Id theft victim i have never lived at these addresses nor is my work history correct XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  please rermove asap
Product: Checking or savings account

My bank will not allow me to use my funds. 
My bank has blocked my last XXXX of my SS numbers that are needed to call in & speak to a live agent. My bank has also blocked my phone number so I can not call in to fix the situation. My bank will not let me use my funds & they would not let my insurance company from withdrawing funds to pay my car insurance. I can only chat with my bank Via text .BUT they tell me I can not get information as to what's going on unless I call them but keep in mind they have blocked my social security number which is needed to proceed farther. They have deliberately done this. My account sits fine I can see it but I can not even buy a XXXX dollar sticker on XXXX. I tried to make a small purchase just now of a XXXX dollar sticker on XXXX but it will not go through, they are doing this as retaliation to me over an XXXX dispute. I can not call in to my bank or use my card & they will not call me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violated Consumer Financial Protection Act ( CFPA ). measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.
Product: Debt collection

I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.
Product: Credit reporting

In response to my dispute of XXXX XXXX XXXX Equifax replied : XXXX ; We have researched the credit account. Account # XXXX The results are : This account has been updated to show included in bankruptcy/included in bankruptcy of another person. If you have additional questions about this item please contact :, Unverifiable, XXXX, MN XXXX Number one, this account was not verified by equifax for my wife for the same account and deleted. 
Number two. This account was dismissed by the court. 

Number three is seems like equifax could not even verify the name of the business. 

This same exact debt could not be verified and deleted from my wife 's account, and exquifax deleted it, so how can this same debt be verified?
Product: Mortgage

I contacted Select Portfolio Servicing on Friday, XX/XX/ 2023, at XXXXXXXX XXXX, to discuss the possibility of completing a loan assumption. I had been served with a partition summons and in order for me to retain ownership of the subject property and avoid the untenable housing market in XXXX XXXX, I would need to assume the loan away from the co-borrower. The first representative I spoke with advised me that there are only 4 viable reasons for requesting an assumption : divorce, death, deportation and incarceration. When I explained to the representative that the partition demand operates under the same capacity as a divorce decree, she still stuck to what she called the guidelines. I requested to speak with a supervisor and unluckily spoke with XXXX. I asked her the same thing and she repeated exactly what the same representative had told me. She also told me that a loan assumption can not be done by a co-borrower, which is incorrect and untrue. The company is engaging in the very definition of disparate treatment if only certain legal actions allow for an assumption and others do not. The prior servicer, XXXX XXXX, would have been willing to allow the assumption but the timing for completion did not coincide with the ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I notified Equifax of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted XXXX XXXX who is unable to validate a request came in on my social security number, After reporting this to Equifax, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as Equifax & XXXX XXXX who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.
Product: Credit reporting or other personal consumer reports

There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my Transunion report. The card is showing on my bureaus. I requested directly for Transunion to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition XXXX has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance
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 # XXXX 
XXXX XXXX # XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 reporting 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 inaccute
Product: Debt collection

I have 2 collections by debt buyer XXXX XXXX on my credit reports. I have contacted all three credit report agencies regarding the debt. One is from XXXX which is 4 years old if not older but XXXX XXXX and XXXX still have not corrected the dates open on each account. The XXXX account is dated 9 months ago but was from 2020 and the XXXX account is also from 2020. I have informed all three agencies reporting this and disputed the accounts but they are not doing their due diligence and keep denying my grievances and complaints. You see I understand that the longer a debt sits the less impact it has on your credit bureau reports but no one seems to care. I have called and filed disputes online. Still nothing is being done. So I am putting in my complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus requesting dates, services & validation from this company that's reporting on credit report & the bureaus has not responded back & credit bureaus refused to complete a proper investigation. I have sent a letter via certified mail & usps return the letter deemed as undeliverable. I tried phone calls, letters & no avail. 
XX/XX/2020 Amount Claimed Owe {$820.00} Company Bureaus XXXX XXXX XXXX XXXX, Illinois XXXX
Product: Debt collection

This company refused to provide me with any documentation where i XXXX XXXX gave KLS FInancial Services permission to create an account using my personal information. I asked several times, & i was ignored each time. This company is truly becoming a problem. They are hindering me from being able to provide for my family and its really taking a huge effection on my health.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

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

XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have rights 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 card

Comenity Capital Bank approved my request for a XXXX XXXX XXXX credit card with a {$8000.00} limit and a {$49.00} annual fee and a sign-up bonus offer for XXXX XXXX XXXX points on XX/XX/XXXX. I received the credit card two weeks later and activated it but the credit card did not work even though it showed an available credit limit of {$8000.00} online. I contacted Comenity and was told that my card had been cancelled due to a security issue and they could not elaborate any further. They do not have any brick and mortar locations in XXXX ( and only have those in XXXX ) so I could not go in brand to resolve this issue. In summary, I did not receive my bonus points, received a hard inquiry hit on my credit reports and received an approved credit card that did not work with no resolution from Comenity. My credit score was negatively impacted because of the hard inquiry by Comenity. They approved my card but later cancelled it two weeks later for no explainable reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered one credit report on TransUnion website on XX/XX/2020, at the price of XXXX. 

I didnt know I was subscribed to their service and was charged {$27.00} monthly for 11 months. During this eleven months, Ive never received any receipt or invoice for their monthly charge. It is very unfair for TransUnion to charge me monthly without notifying me, while it looked it was a one-time charge when I purchase the credit report.
Product: Student loan

Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?