23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since I have applied for a Home Loan Modification Request with Wells Fargo Bank last year XX/XX/XXXX, I have had nothing but Series of Delaying Tactics from Wells Fargo Bank and Administration to process this request. I have submitted all the documents required each time as requested only to find out they are never satisfied and they keep requesting for more new documents each time for almost 1 year! The latest request was dated XX/XX/XXXX and XX/XX/XXXX. All documents requested have been submitted to Wells Fargo Bank and Administration. They threaten to remove my Home Loan File from the " Modification Attempt '' by XX/XX/XXXX and Foreclose our Home with my XXXX son. 
Wells Fargo Bank continues to be unreasonable and intimidating consumers like myself. 
I have sent several requests respectfully for your kind assistance to help me and my family with this extremely long modification process to please process as soon as possible. I feel that my family and I are being discriminated and retaliated upon because of our National Origin as Filipinos. Wells Fargo Bank and Administration is going to Foreclose my home like it happened to me in XXXX  as with several homeowners in California and the USA. Sadly this big institution continues to hurt consumers like myself who are simply trying to keep our home affordable. 
Wells Fargo Bank and Administration are retaliating because I have filed many Federal Government Complaints since XXXX. 
I will have no choice but contact the National and local medias like XXXX 60 Minutes or 7 on Your Side regarding this Discrimination and Retaliation. 
Did the Wells Fargo Bank and Administration and their Law Firm make XXXX XXXX XXXX, the Home Mortgage Specialist purposely send me an email ( XXXX ) threating to terminate the Home Loan Modification request? How SAD that such an injustice is being done to us. 
Recently the US Govt. announced a new Federal Program " The Homeowners Affordability and Financial Stability Plan ''
Product: Debt collection

i got my credit report from the three credit bureau and found there is three account that don't belong to me and a result of identity theft and fraud, two of these account is charge off account and one collection. these account are : 1- professional debt date opened XXXX amount : XXXX $ filing dispute for this account. 


2- ONEMAIN date opened : XX/XX/2018 amount : XXXX $ filing dispute for this account. 

XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/2018 amount : XXXX $ filling dispute for this account
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracy over 5 times with XXXX, equifax and XXXX, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over 10 times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed XXXX and equifax and XXXX and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all XXXX credit companies XXXX equifax and XXXX to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding Equifax 's inaccurate reporting of a bankruptcy to no avail. Equifax states it receives it's public record information from XXXX Consumer Center however Equifax 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX Consumer Report has " No Records Found '' listed in my Bankruptcy portion of my report. Please refer to page 11 of my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights  and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved asap.
Product: Credit card or prepaid card

I have gotten my unemployment benefits on this card and have not had a problem till now i changed my address online and us bank puts a hold on my card its been 3 weeks plus and have my unemployment benefits for a 2 week period they asked me for id verification i have send documents 5 times and every time its something else u told them about my id situationand how dmv in texas is by appointment only n all i had was a copy in color of my dl to today I have no access to my money I was not able to pay my bills cause i have no way to them this really frustrating n us bank has no action on they part every time i call they verify my identity so why cant they verify submitted documents thanks and any help will b appreciated ps.

Im attaching all the documents i send us bank
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


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

A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Product: Debt collection

I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my ability to obtain credit and needs to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple loans with XXXX reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to XXXX explaining I was receiving unemployment and could not afford to pay my loans during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union Credit reporting services for 3 months requesting that they correct the credit limit information associated with my credit card account with XXXX XXXX. 
I have worked with XXXX Card services in getting them to send multiple account corrections to Trans Union to get this resolved. 
They correct it temporarily for each of the months I have called in only to have the erroneous information appear back on my credit report the following month for the past 3 months. 
XXXX Card services also sent them and me a letter stating the correct limit on the card.The card issuer has been very helpful in going above and beyond in assisting me with this matter. 
This error has been adversely impacting my credit utilization and causing a score drop of 20 points, which seems questionable also. 
TransUnion is also reporting balances for XXXX card services, when there is a XXXX balance. This leads me to question their practice of the timely updating of information that is correct. 
The two major reporting agencies, XXXX and XXXX have the correct information. There was never an issue with my XXXX account with them. 
So where and why is TransUnion supposedly getting all of the wrong information???
Product: Debt collection

CCS is furnishing a negative account on to my consumer report. I have sent CCS a cease and desist to remove the negative account from my consumer report as that is a form of communication. However, CCS is still furnishing the negative account which is causing me to be denied credit and causing mental anguish. 

Tracking number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a XXXX statement that just shows late fees. Original credit is Synchrony Bank and amount owed is noted at {$820.00}
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 platforms, 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I filed for a VA streamlined refinance loan on XX/XX/2020 & XX/XX/2020 loan # XXXX. Thereafter I filed for cares act protections due to covid.

The company repeatedly contacted me to review my Cares Act forbearance although I never missed a payment but refused to provide any guidance on the loan I reached out several times inclusive of a callback request to notify the lender I could not access the documentation to secure the loan but the lender has provided no responses in the matter.

I feel I am being penalized for merely filing for protection under the cares act and have been denied a refinance that would have provided significant savings.

I also believe the lender sent documentation to the incorrect mailing address further delaying the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage since XX/XX/XXXX initially with XXXX XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to Mr. Cooper ( NationStar ) ; my credit report has been absent of any payments made on this account since it was transferred to Mr. Cooper NationStar. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.
Product: Credit card or prepaid card

I received my XXXX unemployment benefits on the US Bank Relia Card. My money is on the card but I'm unable to access it because the account is restricted for no apparent reason. I have been without money for 3 weeks unable to pay my bills and facing an eviction. They tell me that XXXX has flagged my account and XXXX has not had any flags on my account ever. I have called and confirmed this. Yet US Bank refuses to believe me and I can't get anyone to speak on my behalf. I have sent them 8 different documents confirming my identity yet it is not enough. The us bank has sent me letters telling me they will close my account and return the money but XXXX SAYS THERE ISNT ANYWAY THEY CAN DO THAT AND IF THE CARD EXPIRES WITH FUNDS ON IT THEY will then return it but they can't re issue me that money. I need this money. I have confirmed my I. D. With u. S. Bank in my opinion. They are not satisfied. I have even sent them copies of the correspondence they have sent me. XXXX has never made me verify my identity so why does the Relia card insist upon it and why don't they comunicate with them if they insist XXXX has the restriction instead of using me as a mediator a go between? XXXX assures me my account with unemoyment is good. They told me if it weren't they would have never issued the funds to US bank if my account was flagged. Please help me to get my money I need to pay my bills and eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple disputed to TransUnion, XXXX and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called TransUnion multiple times they said they could not remove the security freeze they have violated XXXX5 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XX/XX/XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation
Product: Credit reporting

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old debt
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts with XXXX XXXX XXXX XXXX XXXX were discharged in my XXXX XXXX XXXX XXXX XXXX they are reporting all accounts as a late payments. Lowered my credit score by XXXX points
Product: Mortgage

Even though they received nearly {$2000.00} in the 3 month period from XX/XX/XXXX until XX/XX/XXXX they still had their attorneys run up legal bills to turn an interest payment of only {$700.00} into a new debt of almost {$5000.00} at the beginning of XXXX.
Product: Credit reporting or other personal consumer reports

By Checking my credit report i noticed these 2 inquires that i dont recognise. please remove those form my credit report
Product: Checking or savings account

On XX/XX/2022, I had my wallet pick pocketed from me. I had thought it was only misplaced or lost at the time, so didn't cancel my cards until a week later which ended up being a big mistake. I thought nothing of it until XX/XX/2022 when I noticed a large transaction at XXXX ( A grocery store ) for {$3300.00} on my Debit card on XX/XX/2022. I surmise that the products purchased were a great amount of gift cards, and I can't understand why that doesn't trigger any red flags. Nor why the thief didn't have to use my pin for my debit card. 

I immediately filed a fraudulent Debit card claim with Bank of America, which was quickly denied due to their assumption that the spender was " an authorized user on this account ''. This was obviously not the case, so I called their fraud department hotline to give them additional details and reopening the claim, which was shortly denied again for the exact same reason. 

I then figured BOFA wasn't going to do anything about this, so I filed a police report. The case number is XXXX for the XXXX XXXX Police Department. There is currently a subpoena for the XXXX to pull their tapes and provide video evidence that the spender was not me, but it has already been over 4 months and I highly doubt that any timely progress is going to be made. 

This is no small amount of money, and it's frankly ridiculous that someone can look at this transaction for thousands of dollars at a GROCERY STORE and think yup this looks legit. Anyway I attached the police report for review. 

Thank you for your time, and I look forward to hearing from you.
Product: Debt collection

NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from XXXXXXXX XXXX XXXXXXXX committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/2023, XXXX XXXX and XXXX XXXX executed and delivered to XXXX XXXX XXXXXXXX a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/2023, in Official Records Book 140, Page 251, public records of XXXX XXXX, Florida, in mortgage INSTR # XXXX. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Title altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. XXXX XXXX XXXXXXXX and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Title, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. XXXX XXXX XXXXXXXX and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. XXXX XXXX FRAUDULENT PRACTICES, SECTION 535. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. LoanCare LLC and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( FDC PA ).
Product: Credit reporting or other personal consumer reports

I file a XXXX report for ident theft due to information on my credit report which is in accurate and TransUnion is refusing to delete. Within a XXXX, transUnion responded with a response. Mind you XXXX XXXX up to this point can't provide any proof of the fictions address the gave to the XXXX reporting XXXX. TransUnion didn't require any proof From XXXX XXXX. Please see TransUnion response in the letter I am going to attach. I requested TransUnion to provide me with the Name, Date and time of the person who they spoke with to verify they debt, they still has not provide me with this information.
Product: Debt collection

Im a XXXX and they repeatedly called my phone on XX/XX/XXXX when we were already in process of completing payment. We repeatedly set up our account after we opened a new checking account and they were drawing off the old account. The company called my number several times while I was driving, even though I told them it was being taken care of this has happened on several occasions. I do not have the dates.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605B. Please remove the fraudulent account. Attached are proof of the fraud FTC REPORT *****PLEASE READ FTC REPORT***