23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Bank has a scheduled sale date even with a pending modification. Illegal. Dual tracking. I have contacted WF numerous times. XX/XX/XXXX was most recent. They would not speak with me. They said that bc there is a pending lawsuit I must speak to their attorney. I do not have not been assigned a single point of contact. XXXX XXXX was, and she sent me a letter dated XX/XX/XXXX to submit all paperwork for load modification review. Which I did. I faxed to the number provided and faxed to XXXX, their attorney. I have emailed and called XXXX for status of review and if file is completed. I sent all requested docs, faxed to his office as well. I emailed and left a voicemail at XXXX with his assistant on XX/XX/XXXX. I requested postponement of sale. have not heard back from anyone. 
On these I emailed XXXX asking if the mod package was complete. He did not respond to this date. I also called Wells Fargo on these date and they said talk to XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also, attorney XXXX said he received bank statements. Those were duplicates sent with initial package on XX/XX/XXXX. I dont know why re emailed and said he received them. I dont know if he was confirming it on that day from the fax he received on XX/XX/XXXX. Maybe it was left in the fax machine. I have confirmation that all pages were faxed to him on XX/XX/XXXX and no fax record print out shows anything faxed to his off on XX/XX/XXXX. 
1. You can not have sale date scheduled w a mod package being reviewe 2. Even with multiple attempts to confirm that w everything was received, wf has failed to respond Note : I refers to my wife and or myself contacting Wells Fargo.
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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with XXXX and the XXXX XXXX XXXX XXXX and have reported identity theft to the XXXX consumer reporting agencys. 
I am also adding LexisNexus to this report XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX consumer number XXXX case number XXXX XXXX has XXXX my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
Experian has violated my federal rights to privacy and equality Experian Information solutions Inc . 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a text from my bank asking if I had authorized a XXXX transaction for {$3500.00}. I immediately responded, " No ''. I was then contacted by a bank representative who indicated that this would be investigated, that the transfer would be stopped, and that I would not lose any money. I spoke to the fraud claims person several times, or at least I thought I was talking to a Bank of American fraud claims specialist. I have call logs showing multiple phone calls to and from Bank of America phone numbers. I subsequently received emails regarding two more XXXX transfers, one for {$100.00} and one for {$2800.00}, which I also responded " No '' to. I again spoke to someone from Bank of America several times to stop these transfers and have it investigated. My account was put on hold for 48 hours while this was being done, but after those 48 hours, all but {$4.00} was taken from my savings account. All of the transfers went though, even though I did not authorize any of them. This person also requested a {$1500.00} cash advance on my credit card. I also called to stop this charge, but it went through. That charge has since been returned and deemed fraud, but the XXXX transfers have not. I have contacted law enforcement and have been assigned to a sergeant with the XXXX XXXX XXXX Office. I have spent countless hours in the local banking center trying to get help with this, but at this point, Bank of America is only recognizing the credit card cash advance as fraud, not the whole case, even though they were done on the same days, by the same person, and I said " No '' to all of the charges/transfers. I have closed all of my accounts and opened new ones, I changed my phone number. I asked to have XXXX removed from my account. I have done everything that I can to rectify this, but Bank of America is not doing anything to help me. They have not given me back any of my money, even while they are investigating, even though this has been going on for almost a month. ( The claim was first denied and then was re-opened on XX/XX/XXXX. ) I can supply call logs with dates/times/length of calls to/from Bank of America, text messages from Bank of America, emails from Bank of America, as well s documentation of the dates/times I have been at a Bank of America local office. Please let me know next steps. Thank you.
Product: Credit reporting or other personal consumer reports

Creditors, JEFFERSON CAPITAL SYSTEMS AND XXXX XXXX XXXX XXXX UNLAWFULLY CONTRACTING WITH XXXX XXXX by selling XXXX ' Consumer Non-public personal information To thereof. Each creditor does not have permission to communicate with or to a consumer regarding any debt, Each creditor By presumption Has sold XXXXXXXX XXXX XXXX  Third parties like XXXX XXXX and Jefferson capital systems. XXXX Has not made any Of the transactions, resulting in account opened from aggravated identity theft. XXXX has never Granted, permissible, purpose by wedding signature and written direct consent nor has provided any contracting documentation authorizing this sharing. Pursuant to GLBA, the privacy act, 15 USC CODES 6801,1681c1, and 1681 b2. Misuse of this consumers SSN, and other Non-public personal information to third-party is unlawful and unwarranted. O
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I applied for a title loan and was given a check that bounced I told them several times about even XXXX tried calling they changed their number without notification its a year layer and it's still not paid and I have been paying them this is wrong and illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX BANK # XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

Citi bank refusing to remove unauthorized charges for 3 months with explanation that they are investigating, as thou citi bank is trying to proof Im responsible for this charge. Even telling me to pay the charge or they report as non-payment to credit reporting bureaus. 
Their lack of card security enabled this unauthorized transaction. Since citi bank authorized the charge without verification. 
On the merchant statement that was submitted, 0name was wrong and the address was wrong, Citi bank reps refusing to acknowledge the law of Fair Credit Billing Act. Credit CARD Act of XX/XX/XXXX eRegulations 12 CFR Part 1026 ( Regulation Z ) Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. 

XX/XX/XXXX REVERSE XXXX XXXX ONLINE XXXX Posted Date : XX/XX/XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in the FTC complaint.

I demand the following accounts be verified or removed immediately.

Please remove all non-account holding inquiries over 30 days old as well as any and all accusations of inquiry, true or not, which LACK PHYSICAL DOCUMENTARY TESTAMENTs to its FACTS.Please delete any and all inquiries that do not currently have certification of being with PHYSICAL DOCUMENTARY proof of adequate federally REQUIRED permissible purpose from anyone lawfully and exactly identified as being me and ONLY me or any such authority with PROOF of their then-current status to do such an act without my direct consent and or substantiated writing acknowledgement of their rights to do so. UNDOCUMENTED allegations of applications thatcan NOT be PHYSICALLY attested to as factually TRUE, CORRECT, COMPLETE, TIMELY, and in COMPLIANCE with Metro 2 regulations MUST BE IMMEDIATELY removed by complete and PERMANENT DELETION, particularly INFRINGING is if retained upon a challenge to its reporting and also its potential DEFICIENT nature! Additionally, Please add a Promotional Suppression to my credit file. Lawfully any and every DEROGATORY account lacking PROOF of ownership and responsibility to INCLUDE legally obtained PERMISSIBLE PURPOSE must as well be neutralized. Mentioned here or not, EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF the derogatory accounts linked to a DEFICIENT of compliance ALLEGED INQUIRY should be ANNULLED IMMEDIATELY. I demand that you DO SO to all such reported items of mis-reportings and or misinformations, regardless or not if mentioned or not.IGNORANCE to a INFRINGEMENT is NOT lawful reason to be derelict!
Product: Debt collection

On Saturday XX/XX/2020 I received another letter from Allied Collections Service Inc. after I told them not to contact me. I also advised them that I was going to file bankruptcy plus that Im judgment proof ( extortion proof ) because Im XXXX and have been for over 5 years so Im unemployed  and will never be employed  again. They have harassed me over and over ( the tie up the local court system harassing the poor ) I even changed my phone number because of their harassment. I havent filed bankruptcy yet but Im in the process of doing the paperwork and Im definitely filing ASAP so because of all the above they have no reason to continue the harassment. If you look at my last complaint I attached everything Im pointing out now in regards to them being advised not to contact me, bankruptcy and being XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by TRANSUNION, despite their failure to properly verify the accuracy of this information. TRANSUNION failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. TRANSUNION failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements. 
3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy. 
6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness. 

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to TRANSUNION. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the 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
Product: Debt collection

Case #   XXXX  The following is a rebuttal to  LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB   XXXX   XXXX   XXXX    Case  #  XXXX  Dea r Manager, Thank you for your prompt response. Unfortunately,   XXXX   XXXX   and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts :  1. That ou r property at   XXXX   XXXX   XXXX  ,  XXXX , MD   XXXX   was a rental property. The renter had a separate  XXXX  account. However, when the renter moved out and much later the bank foreclosed on the property  XXXX  decided to purge that account and outstanding balance was merged into our current account on  XXXX   XXXX   XXXX ,  XXXX  MD  XXXX   ( p resent home ). {$910.00} was merged with latter account exactly on  XX/XX/XXXX  ( account history enclosed ).    2.  So when  XXXX  makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property (  XXXX   XXXX   XXXX   ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current.    3.  That  XXXX  fails to ask requisite questions on  XXXX  and blindly ascertains that  XXXX  bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for  XXXX  when the account history referred in para  XXXX  above highlights the falsehood.    4.   XXXX  without first getting hold of itemized statement from  XXXX  unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and  discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy  to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness.   From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and  LJRA is no exception.    Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards.     Most respectfully,   XXXX   XXXX
Product: Debt collection

Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.
Product: Mortgage

My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CARDS XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section XXXX, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section XXXX, inquiries that can not be verified must be deleted. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section XXXXA mandates the removal of unauthorized inquiries that XXXX be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the XXXX permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.