23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, XXXX XXXX. XXXX in XXXX XXXX. XXXX name is on the note from Wells Fargo XXXX. 
In XXXX of XXXX XXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but had my own financial debacle in XXXX XXXX thru XXXX XXXX XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XXXX XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XXXX XXXX, XXXX was dismissed on XXXX XXXX. 
We received Notice of Sheriffs sale for XXXX XXXX, XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XXXX XXXX XXXX XXXX XXXX. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the trust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; which verifies the assignment is void Exhibit XXXX XXXX Banks definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX XXXX XXXX ; Note to Exhibit XXXX XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have much more information : Start of Application for Modification ( XXXX of them ), XXXX XXXX Notice XXXX XXXX XXXX days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XXXX XXXX Chapter XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX Same Address XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please call XXXX XXXX for more information or questions We need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 card

Date of Transaction : XX/XX/year> Type : purchase of coffee and cake at hotel in XXXX XXXX for {$15.00} Issue : I was charged a XXXX cash advance fee for this purchase even thought it was clearly not a cash advance. I requested a waiver of the fee or a credit of the XXXX. I was told the merchant rang it up as lottery ticket or casino chips and the system would not allow that to be waived. Spoke with XXXX, she also said the system would not allow her issue a waiver or credit. Obviously the charge was done incorrectly but was told there was no way to issue a credit back for me, because the system would not allow this. 
We all know a credit can be issued, they just dont want to be bothered. 
I simply want a credit of the XXXX dollars. 
Company : Synchrony Bank. Phone # XXXX These companies make XXXX  on consumers per year, they should not be allowed to take advantage of us for any reason like the system wont let me. What kind of nonsensical reason is that? Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- Experian I noticed two address I.D number that don't belong to me. 
Address ID # XXXX Address ID # XXXX These addresses are not on my Experian credit report. Why are these creditor reporting this on my credit report? I have attached a copy of my most resent credit report which shows my previous and present address along with the address ID 's in question.
Product: Vehicle loan or lease

This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it
Product: Money transfer, virtual currency, or money service

XXXX - XXXX Cash App Transactions. 
Multiple fraud from other accounts.
Product: Consumer Loan

I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
Product: Credit card

Requested copy of contract between myself and said creditor and no response was given.
Product: Credit card or prepaid card

on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

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

An inquiry was made by XXXX XXXX on XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX permission to look at my credit report.
Product: Credit card

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Credit bureaus stated XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX  account # XXXX and XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification from credit monitoring services stating that XXXX had done a hard credit check against my TransUnion credit report. I had not requested any credit from XXXXXXXX XXXX or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted XXXX XXXX  by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted TransUnion at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The TransUnion representative made a note on my file, but told me that XXXXXXXX XXXX would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to XXXX XXXX ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : TOYOTA MOTOR CREDIT, Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX 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 an account without my written instructions
Product: Student loan

I had a settlement agreement with the company and gave them permission to deduct a specific amount from my checking account. They deducted an amount 33 % greater than the agreed upon settlement committing wire fraud and are refusing to issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX/22 XXXX verify XXXX/22 XXXX  XXXX XXXX XXXX/22 XXXX XXXX/22 XXXX  XXXX XXXX I do not recognize these iquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  .... Account # XXXX Account Name XXXX XXXX  .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recieved a phone call to call them back. When i called them back i was speaking to a representative of Evergreen Professional. The rep claimed I owed {$300.00} something dollars in medical debt for a service in 2021. I requested a letter detailing the medical debt they claimed I owed. The representative on the phone refused to have the information sent. According to the FDCPA, they are not allowed to refuse to validate my debt.
Product: Checking or savings account

Open Date : XX/XX/2021 Close Date : XX/XX/2021 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.
Product: Debt collection

I have accounts on my credit that the credit bureaus keeps claiming is verified but I the collection agency can not and did not verify the debt with me, LVNV funding can not provide any contract with my signature, payment history or dislclaimer of any kind to prove I owe this debt. I have been challenging items in my credit report with XXXX XXXX for over a year with same inaccuracy and unverified accounts. They are taking over 45 day to complete investigations only to get no results, I need them to remove the inaccurate nonverified accounts from my report.
Product: Checking or savings account

On XX/XX/2024, my Wells Fargo debit card was compromised and two fraudulent charges from XXXX were placed on it. One charge was {$140.00}, and the other was {$320.00}. The phone number attached to the charges was listed as XXXX. It appears to be a legitimate pay in XXXX company. However, I can not get through to a live person at their company to review the charges. 

I placed two disputes with my bank, Wells Fargo, but have not heard back yet.
Product: Credit reporting

I have sent in  2 no torized certified mail and still have been ignored the following information is incorrect and I did not authorize these inquiries or account (  1  )   XXXX   XXXX    XXXX  (  2  )   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX  ( 3 )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  4  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( 5  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  6 )   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Reply XX/XX/19 Complaint ID XXXX has not justified to why XXXX XXXX XXXX was removed. I did not request it be removed. Experian reply has stated or justified the removal of XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Also there was no request by me to remove it. I paid the account on time. The account was paid off and closed and should show that. I also have last year print outs as the loan for XXXX XXXX XXXX. 
I want to no why the account was removed I did not request no removal nor can Experian show any letter or request with my signature or any other form of documents requesting the removal o ( XXXX XXXX XXXX XXXX )
Product: Debt collection

Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {$5100.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {$5600.00} XXXX bal {$4900.00} ; Late Fee, {$47.00} ; Retun fee {$25.00} ; Repo $ XXXX {$5400.00} to release ; Towing {$150.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {$320.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {$320.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX. 
XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!
Product: Student loan

I was attending school and failed out of my XXXX class. However, tutuion options was the loan lender. The school name was XXXX  XXXX university. I was trying to get my payment lower then XXXX dollars a mount to XXXX tuituion options said i had to call the school back and settled that with them. Well today, I received a call from XXXX today atXXXX XXXX I didn't get tha name of the rep, he was very rude to me, telling me I need a Job, this is why I'm In this situation, he wouldn't let me speak to no other rep, nor get his supervisior name nor put them on the phone he called from the headquarters of the company in XXXX, fl I was able to retrieve the number from the XXXX, fl locattion is the number I called back I explained my situation to the young lady she called him he came back on the line and stated " oh! you have time to hold on when you need to be working fulltime " Go get a Job " I hang up 3 times he kept calling back. Yes! I called the office back several timepraying I can get someone else to answer apparently they have caller ID so he knew it was me and would answer the phone not given his name nor number. These people are trying to collect a debit but are being very rude and nasty in the process calling harrassing the customer is not fair i really need to take action about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Try to contact Cash App, but the phone number that they provided was not even working. Funds were being transferred in and out of my account incorrectly, and they kept trying to take more money out of my account instead of giving it to me. I tried to contact customer service, but there was no one that I could reach at all ever.
Product: Checking or savings account

Please re-open complaint  XXXX  immediately. I have gotten no satisfaction. I 'm starting to think this department is completely automated.  US Bank stole several hundred dollars from me and I caught them red handed! I received one phone call from someone with the bank who essentially told me that I was out of luck because I was forced to close the US Bank account from which the funds were wrongfully deducted as a last resort measure to stop them from paying unauthorized recurring charges each month. I closed the account and opened another within the same 15 minute period and they suggested this was sufficient reason for them to get a way with not repaying the hundreds of dollars they stole.     Do not close this ticket until I get an explanation! The only answer they have given thus far is that they will look into it and get back to me in a couple of months! I have heard this before. If there is a live person reviewing these complaints please re-open my ticket!!!     Thank you  XXXX