23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the application process for a home mortgage with XXXX XXXX XXXX ID XXXX at Wells Fargo. As part of the process, she provided us with a release of information which included the following : " I understand, acknowledge, and agree that Wells Fargo and other third party loan participants can obtain, use and share my tax return information for purposes of : - Making an offer on a property - Originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan - Marketing - Use as permitted by applicable laws, including state and federal privacy and data security laws '' When I expressed discomfort with my tax return being shared for purposes of marketing, she replied " I am not sure where you got the idea that the tax return would be shared with 3rd parties for marketing purposes. It is not and I would total agree with you if it was. If you read the 2nd page of the transcript request it addresses your concerns under the privacy act. '' This is blatantly misrepresenting the actual document that she requested I sign. The transcript request here refers to a copy of IRS form 4506-C, where the privacy act information refers to the federal government 's use of the information.
Product: Mortgage

I am writing to inquire about the lawsuit settlement that Wells Fargo agreed, I had a home mortgage with them starting in XXXX and due to financial difficulties, we had trouble paying our mortgage. Wells Fargo never offered a home modification loan and I only learned of a process or what a home modification loan was from another case that was in the newspaper. I then went to Wells Fargo to request the ability to complete a home modification. We did all the paperwork, sent it in only for Wells Fargo to have " lost '' it. We did it three times- with the third paperwork reaching them successfully only for them to deny us immediately after receiving our paperwork and offering no other options.

Prior to this I attempted to set up payments to be made to catch up the mortgage. They stated accepted the payment arrangements and when I asked if we were in danger of foreclosure, we were told no. Three days later someone came to our door and served us with foreclosure paperwork. 
My Spouse filed XXXX  XXXX to stop the foreclosure and allow us to attempt to rectify the situation and we started paying the mortgage again ; however, the large amount we had to pay out his check for the XXXX  XXXX was difficult to manage and he had to convert to XXXX  XXXX, so we could keep our house and other debt was taken care of in order to do so. But Wells Fargo started the foreclosure process again and we requested another home modification. Again denied. They had also told us that any day they would take possession of the home and everything in it as well and we would not be able to get in the home to get our items at that point. This was XXXX and we secured other residence just in case that happened as we had XXXX small children then. we went daily to the house, kept up the yard and paid the utilities. My spouse stayed there overnight. we went overnight somewhere and when we returned our home had been broken into and all the copper piping was stolen. I filed a claim to make the repairs however the check went to Wells Fargo and I had to fight them to get the repairs done. They eventually released the check, and the repairs were completed. I did seek out a lawyer, but Wells Fargo had gone way ahead on the foreclosure process. In the end they sold our house to auction, and the house was sold. To this day Wells Fargo never notified us of the sale of the house, or how much it sold for, I had learned about our house being sold on social media, because I knew the person who bought it. 
we have moved and if anything was mailed to us we would not receive it as they do not have our new address. It is way past the time frame for having mail forward. Could someone please verify if we would be a claimant on the lawsuit. I called Wells Fargo and the representative stated she knew nothing about the suit. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX # 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 or other personal consumer reports

Last month in XXXX I mailed Equifax multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Equifax did not process my dispute at all. Besides, Equifax did not send me any correspondence whatsoever regarding my disputes.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Company does not have authority and contract is void.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023 & XXXX Date of inquiry : XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for proof of these late payments that the credit reporting companies are reporting. And they did not provide proof. Its been over XXXX XXXX, I also ask for validation of those XXXX charged off accounts. Same thing no proof. At this time I demand all accounts be removed immediately
Product: Debt collection

See XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX INVESTIGATION COMPLETED ALL ** UNAUTHORIZED CONFIRMED A YEAR TOO LATE. NO Permanet Fraud Credits were provided by usaa. See also attached Mail Fraud Criminal Investigation Letter of USPS NON DELIVERIES US Postal Inspection Services XX/XX/XXXX. When no permanet credits were provided by usaa I requested a review. See attatched usaa statement of XX/XX/XXXX ADJUSTMENTS TO ACCOUNT ( NO DOCUMENTATION OR EXPLANANTION WHAT FRAUD TRANSACTIONS DATES THIS IS ADJUSTING. ) See attatched XX/XX/XXXX, XXXX REVIEW OF YOUR CLAIM IS COMPLETE. No Fraudulent Activity Found?? After Review of Your Claim.?? How could that be true? USAA LEAVES CONSUMERS WITH FRAUD UNRESOLVED. After reseaching transactions months later I discovered I DID NOT OPEN THIS ACCOUNT. USAA KNOWS THIS IS FRAUD AND HAS DESTROYED MY CREDIT.
Product: Credit reporting or other personal consumer reports

My credit report from XXXX shows that I have a XXXX balance credit card opened on 2010, that's not my account and I do not recognize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for you to notify to remove those items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be deleted : 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 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was in the middle of checking my credit report when different inquiries started to pop up that i do not recognize from organizations that Ive never contracted with or encountered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Product: Vehicle loan or lease

To whom it may concern I made an uniformed use of credit when I entered into a consumer credit transaction with XXXX  on XX/XX/2021. The contract/agreement was not easily understood or explained. The information in the contract was not clear or conspicuous. I rendered the vehicle due to the annual APR being 21.99 % and it being charged off. The debt was originally paid for by my social security number ( credit card ) Then when the loan defaulted it was paid for by insurance and the premium. With the account being charged off I have written numerous letters asking for the company to send proof of the loss. I also asked for who the debt was sold/assigned to. This company has a history of theft and misuse of consumers credit profiles. They have violated my consumer rights by furnishing my personal information to third parties. According to 15USC1692d. This collection agency/lender whoever they choose to call themselves have used obscene and profane language also threatened to furnish this debt to ANY and ALL CRAs without my permission which is a breach of my privacy and an infringement upon my rights to privacy. They have caused irreparable harm to reputation by furnishing my private consumer credit transactions with third parties. The vehicle has been turned over. I have asked numerous times for this company to return all payments made and remove the information from my credit report. This company practices including loan sharking, predatory lending, usury and bullying.
Product: Student loan

In XXXX of XXXX I found out fraudulent student loans were taken out in my name in XXXX while I was still in high school. I contacted ECMC to make them aware I was a victim of identity theft and they refused to remove the loans. On XX/XX/XXXX I received a Finding and Order from the XXXX XXXX XXXX XXXX in XXXX XXXX Texas. This finding specifically addressed the fact that I was a victim of identity theft regarding these fraudulent loans. On XX/XX/XXXX I submitted the Order and Finding to ECMC and as of todays date they have refused to remove the fraudulent loans from my record. The loans are fraudulent and I am unable to attend school due to this. The loans are fraudulent and need removed. 

Finding and Order of Identity Theft attached to complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from my account.
Product: Credit card or prepaid card

In XXXX, XXXX I contacted Discover about goods/services never received that I'd paid for using Discover. I stated I'd never placed a dispute before and didn't know what to do. The agent subsequently pushed disputes through for these charges : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$6800.00} XX/XX/XXXX : {$10000.00} The Merchant received confirmation of the disputes and promptly called me freaking out and said he would be suing me if I didn't overturn the disputes. I contacted Discover and asked for help - asked specifically if the disputes could be put on hold or what my recourse could be if he didn't follow through with completing the work on my house. Payments were for installation of windows, a back door, and new siding on my home. Discover overturned the disputes when the Merchant said he would complete the work, and I never heard from him again. I contacted Discover again to note that he hadn't come to do the work and I'd subsequently received a notice in XX/XX/XXXX of him intending to file for bankruptcy. Discover has repeatedly said there's nothing they can do to help me and there's no way to dispute a charge a second time. I am under the impression they could do a chargeback, but they are stating that isn't possible and even though I've provided documentation the work wasn't ever completed and an email from the Merchant directly stating he won't be doing the work on my home - they are still maintaining there's nothing they can do. 

It was never communicated to me that I would not be able to dispute these charges again. 

In total, I paid $ XXXX to this Merchant, XXXX of it with Discover. Discover has blatantly refused to help. ADDITIONALLY - Discover  has now deleted some evidence from my account of messages I sent stating specifically I'd never disputed anything before and didn't know what the process was. They are falsifying evidence to support their refusal to process the disputes.
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 procE 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 action and reimbursement for said loss
Product: Prepaid card

XX/XX/XXXX ; Purchased Vanilla Gift Cards from XXXX XXXX as XXXX gifts. XXXX {$100.00} cards were faulty. XX/XX/XXXX ; Notified company and they gave me an email address ( XXXX ) and case number ( XXXX ). I emailed requested information and was told to wait 3 - 4 weeks for a response. XX/XX/XXXX ; Called to check up on issue, and provided additional information, replacement cards should be sent out. XX/XX/XXXX ; Called to check status of replacement cards. Was told that case number and information provided did not match what they had on record. XX/XX/XXXX ; Called about case number, and provided additional information. Was told that information did not match what they had on record and could not pursue this matter and further .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The account is attributed to the wrong person or is a result of a mixed file error.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is ruining my reputation and financial well being for my family. Consumer reporting agency assumed the role on my behalf and it is fraud. I will be forced to take TransUnion to court and am prepared to do so. I am a consumer and the harm you're causing my family is causing stress and XXXX-you have 10 days to DELETE the FRAUDULENT accounts.