23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXXXXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXX Equifax, and XXXX have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over 40 violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692
Product: Mortgage

Wellsfargo did a reinstatement of my {$220000.00} mortgage balance. The fees brought it to {$260000.00}. I was told if I paid the mortgage on time for XXXX yrs, {$30000.00} would be taken off. I was never told about an additional {$100000.00} deferment or the extra XXXX they added to my reinstatement to make it a XXXX instead of XXXX. 

When I asked questions in XXXX  about the {$30000.00} being taken off they did not. That's when the mortgage was sold and then I was told about an additional {$100000.00} on top of the {$40000.00} already charged in fees. 

It was sold to ASC and that's when I found out about a XXXX mortgage. 

This deal was done with XXXX XXXX, a mass mutual financial adviser that sold insurance products, who told me he was able to get Wellsfargo to reinstatement my mortgage, but the intrestrate wouldbe high, 9.5 % I believe. 

The mortgage broker met at the city line office, in XXXX, where I signed, and she explained this as a reinstatement. 

My complaint is Wellsfargo and ASC hid my mortgage from the class action case and did not include it on purpose, because many other people had the same complaints of extending the mortgage terms of yrs, without the borrower 's knowledge, and adding absorbent amounts of unjustifiable fees. Wellsfargo added {$140000.00} in fees, penalties and court cost to an outstanding {$220000.00}, that will have me paying them almost 5x the original amount, or close to {$1.00} XXXX dollars, that includes a lump sum of over {$50000.00} in yr XXXX at the age of XXXX old. 

This story needs to go in a book, Time magazine. Please tell the world. I want this mortgage dismissed, because Wellsfargo hit an all time low gor fraud, and sets a new all time precedence, for mortgage fraud dirrcted towards XXXX XXXX 

I want to give this to XXXX XXXX. This is discriminatory, racist, and goes against my human and civil right to the pursuit of everything I am allowed under the constitution of America, as an XXXX and a XXXX. 

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

In XXXX XXXX I sent a letter to Experian regarding 7 accounts they are reporting inaccurately and its severely affecting my credit score. They are in FCRA Violation. Payment statuses are to be the CURRENT payment status. They are reporting paid/ontime accounts as delinquent. Ive included the letter I sent them, as well as a copy of my credit report for ALL SEVEn accounts. 

They have not responded, they have not notified me of an investigation, nor have they corrected any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My son had some XXXX work done. He financed the {$6000.00} procedure with XXXX XXXX XXXX XXXXComenity Bank. However, the bank charged ME with the debt. I have made consistent attempts to get them to transfer the loan to my son 's name, but they insist that that they can not transfer the account and that my son is guilty of XXXX. They presented me with my " signature '' as evidence of my liability. 
Meanwhile, my credit rating plummeted, they constantly hounded me with threatening phone calls, and continued to accuse my son of XXXX. After a year and a half of this I showed my son a comparison of my signature with the one they had. Lo and behold, it was my son 's ( illegible ) signature all along! Yet, even when presented with this new evidence they persisted in the insulting directive to send my son to XXXX for XXXX! If there was any fraud, it was on their part not ours. Both my son and I have repeatedly tried to rectify this situation, but they will not listen.
Product: Debt collection

I have received a letter from Mandarich Law Group with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. Mandarich Law Group represent XXXX XXXX XXXX which purchased the debt from XXXXXXXX XXXX credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXX and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXX New York state collection law is XXXX years.
Product: Debt collection

On or around XX/XX/year> I was informed of a collection account on my credit report from XXXX XXXX XXXX in the amount of {$XXXX}. On XX/XX/XXXX, I contacted the agency who informed me the account was with XXXX XXXX for a homeowners policy for a property located at XXXX XXXX XXXX ct, XXXX, XXXX. I informed the agency, that we never purchased the home, furthermore, we never purchased the policy. I provided documentation that we never lived at the residence, and submitted a consumer dispute directly with their agency. Roughly 2 weeks passed and I heard no information from the agency regarding my dispute and I followed up for an update to which they informed me the dispute was closed the following day stating I did not provide enough information, despite providing two residential leases covering the time period showing that I resided elsewhere at that time. I also provided information that the home purchase for that property was not successful. They have refused to remove the account from my report and have continued to ask me for more information that I do not have. Please help. This is having a great impact on my credit report and my ability to purchase a new home.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement.

The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. 

On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this.

I believe UMB is making their decision based on either racist, sexist or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my father 's account. Also, because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized to run a hard credit check on my credit report and they explained that they was doing a soft credit pull.
Product: Credit reporting or other personal consumer reports

Its been XXXX  years Ive been trying to get a report and score update, I was told numerous of times to give it a few weeks and nothing ever changed.
Product: Money transfer, virtual currency, or money service

in XX/XX/2017, i sent {$1700.00} to my friend through cashapp and she never received it and that amount was cut from my account with XXXX XXXX XXXX. When i contacted XXXX XXXX XXXX, they filed a claim and the came out with a result that cashapp said they pay out the money that was lie. the recipient printed out her bank statement for six months including XXXX no such amount was found in her account. i tried to reach out to cashapp through email no one responded. and they do not have a number that you can talk to someone. This money was my hard earn money from my salary to take care of my family but just disappeard. will be very happy to see this people refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

I mailed the same letter to XXXX, on the same date. XXXX NEVER responded regarding the inquiries.
Product: Vehicle loan or lease

Santander refused for us to purchase gap Insirance on our vehicle loan. Six months after the purchase of the vehicle we were involved in a total loss. They did not give us the opportunity to get adequate protection and now we are at a fiancial loss because they forbade us to get gap insurance to protect our loan. They also malreported how much was refunded to them with the extended warranty that we had on the vehicle which the refund was XXXX not XXXX which is the amount reported
Product: Debt collection

I have reported theft by someone at Wells Fargo and news reports confirm Wells Fargo admits stealing millions after I made my report. This agency claims Wells Fargo has responded. Wells Fargo has bought advertisement and made the evening news but they have NOT responded to me. 

Reporting to this agency has done nothing. This appears to be a method our government uses to steal from us. People getting paid to do nothing while banks steal from the poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - XXXX  XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX  to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with XXXX  and that the XXXX  report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted XXXX  and asked them what happened to my credit score - XXXX  said I have 10 " Hard Inquires " that deducted points from my credit score each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on XXXX  ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to XXXX  that I did NOT apply for a loan except 1 with XXXX XXXX  and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to XXXX  that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - XXXX  suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called XXXX back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that XXXX  only passes this information along - I pointed out that XXXX  has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do
Product: Debt collection

Valley Credit services, has reported, on my XXXX credit report, a collection account for an alleged debt. I contacted the agency today at XXXX, I spoke with XXXX , whom failed to disclose communication was attempt to collect a debt ever during the phone call. I obtained a recording of the call as proof of the violation to my consumer rights. The agent also informed me the account has been sold to another collection agency, since I live in that state of Texas. Under Section 392.101 of the Texas Finance Code laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. According to the Texas Secretary of State, Valley Credit Service does not have a bond filed in the state of Texas therefore are not bonded to collect in the state of Texas. The account is reporting as open on my credit file, as well as showing an updated date for the balance they are currently trying to collect on. So this account is now being collected by XXXX separate collection agencies, and XXXX showing as open, and current on my credit report, which again is a violation to my consumer rights. I sent Valley Credit a certified letter with a tracking number, requesting validation of the alleged debt, which they received XX/XX/XXXX. I never received validation, or a response of any kind from the agency. I then disputed the account with the XXXX Credit bureau, on XX/XX/XXXX, the account came back as verified and accurate, on XX/XX/XXXX. Again, Verifying not only false information to my credit file but the account in general, with the Credit bureau, before sending me, the consumer validation of the account is violating my rights. Valley Credit not only failed to conduct a reasonable investigation, but clearly has a blatant disregard for my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX led eventually to a TransUnion webpage, which demanded a telephone number. The form rejected the Truth : I am burdened with no telephone service, as XXXX refuses to provide the service for which I qualify and have applied. 

After the TransUnion rejection, the system stopped, refusing to proceed to XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$610.00}
Product: Credit card

I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in XXXX seperate payments just in XXXX alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and transfer fee, the payments never get applied. I want everyone who reads this that this offer is nothing but a scam and that anyone who attempts to pay down their balance transfer will never get it paid off since payments mysteriously disappear and are not applied to the account. I have a friend who works in the banking industry and has put me in contact with the Securities and Exchange Commission as well as the Federal Reserve. They as well as my attorney are very interested in this illegal activity.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

We have had many loan servicing companies XXXX XXXX, XXXX, XXXX, XXXX and now Shellpoint ) and again one is sequestering money into the escrow account, only used for property taxes, that isn't needed for property taxes which suddenly disappears and they don't account for it. Though they have paid our property taxes ( {$5300.00} total for the year, XXXX payment was only {$2600.00} XXXX they have not accounted for the additional money that they put into the escrow account ( XXXX YTD total {$14000.00} XXXX which disappeared at the end of the year. 

The second issue is the inaccuracy of the mortgage statement. 
* I did not receive a mortgage statement for XXXX ( and it isn't listed in their online system XXXX. 
* The statements says past due amounts due prior to filing Chapter XXXX are not included in the mortgage statement. My sister and co-owner filed Chapter XXXX in XXXX to forestall foreclosure. Note that I have not missed a payment in over 6 years and have the bank records to prove it. 
XXXX The fact that the past due amounts do not correspond to my monthly payments makes the statements even more non-sensical. I not only called them about this but also wrote letters. One letters dated XXXX, XXXX. 
XXXX No clear accounting is made on the monthly mortgage statement of what amounts are in the suspense account. There are months where the partial payments listed equals a months payment but it isn't applied as a payment. This is also concerning. 

My inability to get them to correct these errors has prevented me from refinancing the loan and I don't trust their accounting of the balance of the mortgage. I currently am working with XXXX XXXX  to refinance and they stated that the only thing I need is a statement stating that the loan is current for them to finish processing my loan at a much lower interest rate. 

Your help with this matter will be greatly appreciated. 

XXXX XXXX
Product: Checking or savings account

A bank account was opened fraudulently in my name. I received a letter in the mail from the bank stating insufficient funds. I have never opened an account in my name with this bank.