23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It all started when CitiMortgage bought our loan from XXXX. I made my normal payment to my mortgage company ( XXXX ) and another mortgage company ( CitiMortgage ) called to tell me that I was late with my payment. When I informed them that I had already mailed my payment I was told that CitiMortgage bought my mortgage and I was to pay them. We were making our payments and such and got a letter saying that CitiMortgage was charging us for homeowners insurance that we already had and was sending in the certificates for every year. We later found out that we were being charged for insurance for 7 years. We started really looking at our bill and saw " fees & fines '' and when we asked where these fees and fines came from, they could n't tell us. We tried to do a modification with them in XX/XX/XXXX/XX/XX/XXXX and was denied after the 6 month trial because they said that they did n't get our first payment. When I told them when it was mailed in and the money order number they did an investigation and found our payment on the desk of someone that no longer worked for the company, but they still denied our modification and the only option that they gave us to keep the house, was to do a modification that started with a low interest rate that would increase every year until we got to our initial interest rate, so we did. We started another modification in XX/XX/XXXX, but I lost my job and they quit talking to me. I stopped getting monthly statements from CitiMortgage and started getting them from a company called XXXX. We tried to do a modification with them, but were denied for different reasons, and then they said that they were going to foreclose without offering any other options such as putting what we owed on the back of the mortgage because they said what we owed was {$30000.00} which means @ {$580.00} a month, we would n't have paid for at least 7 years which is untrue. XXXX said that the house went to auction XX/XX/XXXX, but no one bought it. They continued to send us statements until XX/XX/XXXX. My husband was talking to a realtor that works for XXXX and he told us that the deed was transferred XXXX XXXX, XXXX, which we found out was a lie. I got a letter in the mail that says the deed was transferred back to the lender on XX/XX/XXXX. A guy from the mortgage company showed up at the door to see what to tell the Sherriff 's Office, and when we told him what was going on he informed us that XXXX is not even a mortgage company, but a debt collector and never had any intention in helping us keep our house and suggested that we get a lawyer
Product: Mortgage

On or about XX/XX/XXXX I entered into an agreement with Chase bank to refinance my mortgage that I have with Chasebefore making any commitments it was understood that I had filed bankruptcy in XXXX and my mortgage had been dischargedIve never moved from the property and I have been paying my house note consistentlyChase had me enter into a non refundable deposit agreement for {$500.00} only to deny my loan because my mortgage was dischargedthey had me attempting to obtain a reaffirmation agreement for a loan that had been discharged for over seven yearsI feel Chase didnt need for me to commit my {$500.00} if they knew they were not going to allow me to refinance because of my mortgage being dischargedfurther more by allowing me to refinance that would have effectively reaffirmed the loanevery other part of the process was complete only for them to get to the end to deny my loan because of my bankruptcy information that I shared with them before they ran my creditI have refinanced with another lender so Chase is getting their moneyI want my {$500.00} back because Chase should have had everything they needed to know about me BEFORE they had me commit my moneythey already knew what their policy was but I had to commit my money to find out and thats not fair BIG BANK takes little bank every timeI DID NOT WITHDRAW MY APPLICATION and THE DOCUMENTS THEY WANTED ME TO PROVIDE WERE NOT ATTAINABLE.
Product: Debt collection

I am writing to file a formal complaint against WELLS FARGO, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
WELLS FARGO, with contact information at XXXX XXXX XXXX XXXX, MN XXXX Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that WELLS FARGO has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against WELLS FARGO to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WELLS FARGO accountable for their unlawful conduct.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violatons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I informed Equifax Credit Bureau about an account on my credit report thats was the result of identity theft. I sent in all supporting documents to all 3 Credit Bureaus, yet Equifax has still did nothing.
Product: Money transfer, virtual currency, or money service

I needed a money order for {$2.00} for my DMV forum. So I went to XXXX to get one. I gave them {$2.00} and paid the fee. I filled it out wrong so I needed a new one. XXXX would not refund me. They would not re-print mine. They wanted me to get a new one. To get my money back. I have to contact Western Union and pay a {$5.00} fee. I don't think I should have to spend {$5.00} to get my {$2.00} back. Which I've all ready paid one fee to make the money order. I'm positive Im not the only person this has happened to. Nobody should have to pay a fee for a refund. Here 's the link to the western union site with the refund information. I personally did not think the refund information for money orders was very easy to find. I personally feel taken advantage of and would like to see better business practices from Western Union. How much money have they made from this policy? It's not even worth requesting the refund. 

https : //wucare.westernunion.comXXXX XXXX
Product: Checking or savings account

XX/XX/XXXX a wire was sent. The recipient did not receive. The bank has been useless in resolving this matter and basically said just to wait. I have followed up multiple times over the span of 2 weeks. Review the e-mails please. Provide customer service.
Product: Student loan

I'm asking for lower payment options and I give them all of my payment options and I still can't afford the " so called lowest payment that they '' can give me is {$120.00}, when previously it was {$60.00}. It has done nothing but get higher and higher. I'm a single mother I do not qualify for welfare. I have rent, car note, groceries to buy. They aren't giving me any other options while they destroy my credit.
Product: Payday loan, title loan, or personal loan

Dear Sir/ Madam, I have a loan borrow with Net Credit in XX/XX/XXXX, I made regular payments to this company until XX/XX/XXXX, ( Payment has been made totally 18 months, set up auto electronic payment every other week, total {$130.00} each month. 

My borrowed amount is {$2500.00} ( XXXX XXXX ) My total payment to Net Credit {$2000.00} ( XXXX XXXX XX/XX/XXXX ) My balance in XX/XX/XXXX was {$3100.00} ( this is not fair ) In XXXX, Net Credit told me my Balance was {$3100.00}, so I stop paying to this loan shark company, and have a law office named XXXX XXXX to write them an offer of {$300.00} to settle the case, but Net Credit refused, I called them few times but they refused my offer but have no resolution to me and keep emailing me ( every 2 weeks ) and charging me with unknown charges!!!! 

The mail from this week saying that I owed them already over {$900.00} I hope your office can help and advice Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removoced from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to NORDSTROM/TD BANK requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and XXXX. 

In this letter sent on XX/XX/2022, I also requested that NORDSTROM/TD BANKXX/XX/XXXXcease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). NORDSTROM/TD BANK received these documents on XX/XX/2022. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. 

On XX/XX/2022, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the NORDSTROM/TD BANK account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that NORDSTROM/TD BANK have verified the account. I requested the documentation of the verification, but none could be provided.

I am utterly uphauled at how NORDSTROM/TD BANK, XXXX, and XXXX have XXXX this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

NORDSTROM/TD BANK has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

NORDSTROM/TD BANK has XXXX ample time to resolve this issue and they have done NOTHING! 

I demand the immediate removal of this account from the XXXX major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX  VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to Equifax demanding they remove all of the incorrect and invalidated information from my credit file. I use the XXXX app and the app says that they have a lot of information that is incorrect and information that I did not give them express permission to furnish. However, Equifax failed to do their assumed right in furnishing correct and valid information. They left EVERYTHING on there. ALL of the incorrect and invalid information is still on my credit file. For starters, they have my birthday incorrect. They have me listed at least 10 years older than what I really am. They sent me a letter XX/XX/2023 saying they verified the information as accurate. I refuse to believe that. There is no possible and logical way that they have verified ANYTHING as accurate when they dont even have basic correct personal information on me that is being used to identify me and furnish items on my credit file. How can they verify anything as accurate when they have wrong personal information? What documents were used to verify this incorrect information? I never sent them my social security number, so how else could they identify and match those items to me if not by name and birthday? Them even having a social on file for me, is IDENTITY THEFT and FRAUD because i never gave it to them. How are you going to tell me who I am? That is crazy. I can only imagine how much more wrong information they have on file for me and millions of other people. Equifax violating the laws of the FCRA has got to stop. How can a stranger ( equifax ) tell me when I was born? How can they tell me the transactions I made and they werent there? Why does equifax ask does everything look correct? On the website if they are just going to say its correct and do no real work in removing inaccurate information? Because theyre paid to keep it on there whether its wrong or not. This is insane. I want ALL accounts, collections, and inquiries removed from my report immediately.
Product: Debt collection

The associate said that my husbands credit will also be reported if I do n't pay. This is for dental work I had done. My husband was my emergency contact. So I told him this is inaccurate as we both did not have work done and he said that if I do n't pay that they will report my husbands credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX GA ), balance is {$3700.00}, and account # XXXX
Product: Debt collection

Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX   deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX   and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
Product: Debt collection

This is predatory lending company. That I Am looking to class action law suit as well as the FTC needs to Investigate this company for their unfair- and predatory lending practices. 

They prey on low income citizens and then sue them years after the matter when they can just simply tax off the debt. Debt that the XXXX XXXX is helping this predatory company commit. 

I need the Federal governments help against this company. Who has 1 star on XXXX and XXXX. 

More people need to com forward against this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF EDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX