23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I called and settled my debt with Wells Fargo XX/XX/XXXX, XXXX with XXXX XXXX . He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my XXXX XXXX Credit report. My report is reflecting XXXX points lower than the other 2 scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for Wells Fargo was XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Phone : XXXX ( ext. XXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX No, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.
Product: Money transfer, virtual currency, or money service

No live represented. Letting my personal information out.
Product: Credit reporting or other personal consumer reports

experian credit has been reporting me with bad credit for XXXX. there is XXXX many name. i am XXXX XXXX and can't handle this PLEASE HELP ME.
Product: Mortgage

SLS Loan XXXX XXXX leinXXXX XXXX Loan XXXX XXXX leinXXXX XXXX XXXX XXXX XXXX CA XXXXWhile in escrow during an approved short sale we discovered issues with title which brought to light a XXXX. We immediately started negotiating with, all of this was being discussed with SLS, via phone calls and paperwork faxed! Out of the blue SLS decided to deny the short sale and foreclose my house while in escrow!!!!! I have a foreclosure set for tomorrow - my question here is how is that possible that a lender can deny a short sale while in escrow!! How can they do tat when they had approved the short sale while in communication with us - NEVER once mentioning that they would recinde their approval. When called they told us that they needed 37 days to review a new file and that now there is simply no time as they are too busy with other files - 37 days???? How can they review a file that has already been approved and all parties amounts are the same?? We have to live with a foreclosure on our back because SLS is too busy for us when we are trying to do the right thing???
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.
Product: Money transfer, virtual currency, or money service

Consumer suspecting fraud by a third-party regarding his Bank of America Business Accounts . The Defendant failed to provide any updates of their investigation, while also failing to respond to requests made by the consumer. Upon discovery of these findings, the Consumer has prepared an overview here within detailing this claim of the Defendants acts of omission, negligence, and wrongful conduct in whole or in part, causing significant financial & emotional damage to the Consumer, pending their investigation of the Consumers claim.
Product: Bank account or service

On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds
Product: Credit reporting or other personal consumer reports

Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and

properly remove these fraudulent accounts. Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.! Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX  Closed account XXXX Charged off XXXX XXXX Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you. 

I have provided the companies with the FTC report. The XXXX XXXX XXXX XXXX reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense XXXX? 
I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank you
Product: Mortgage

I received a marketing campaign to refinance my property with Carrington Mortgage Services who currently services this loan. I was pre-approved and informed that I must secure an appraisal to close the refinance. Two weeks prior to closing, I was informed that this company does not finance manufactured homes and therefore would not be able to refinance mine. Again, this organization is already servicing this mortgage. The loan XXXX informed me that their data did not indicate that this was a manufactured home and therefore, he did n't know and had he known, he would not have pre-approved my application. Subsequently, they agreed to refund the amount I paid for the appraisal as there would have been no business need for me to purchase the appraisal if they had no intention or ability to refinance the property. I have yet to received the promised funds.
Product: Credit card

On XX/XX/24 I paid an attorney {$5000.00} with my Wells Fargo Visa, to file a discrimination lawsuit on my behalf. 

He never worked on my case. He strung me along for XXXX weeks, and then ghosted me. For XXXX  months, starting XX/XX/24, I tried to reach him XXXX times, unsuccessfully. I have documented proof of my efforts. 

Finally, I dropped my case and disputed the charge with Wells Fargo Visa on XX/XX/24. 

They denied my complaint a few weeks later, with no explanation. 

Today is XX/XX/24. For the last XXXX weeks, I've been calling Wells Fargo Visa customer service. I've spoken with XXXX people at XXXX different levels of hierarchy. I can not reach anyone with authority who can take approrpriate action. 

It is untenable to stick me with a {$5000.00} charge without giving due consideration to the unique circumstances of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of an fraud inquiry issue relating to companies pulling my TransUnion report without my consent. The following companies are listed under hard inquires on Transunion that need to be removed/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
Product: Money transfer, virtual currency, or money service

Same-day wire transfers successfully sent from XXXX checking account to Coinbase/GDAX ~XXXX according to BofA confirmation e-mail. Opened support ticket XXXX ; still have received no response nor account balance.
Product: Credit reporting or other personal consumer reports

I noticed hard on my report from XXXX  XXXX i never gave XXXX  XXXX permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Named Perfection Collection {$2400.00} was disputed to XXXX and subsequently removed by XXXX between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me XXXX placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or XXXX have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter XXXX  from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX  XXXX XXXX Balance : {$400.00}, XXXX  XXXX XXXX Balance : {$440.00}
Product: Money transfer, virtual currency, or money service

I have an account with Crypto.com. 

Starting in XXXX I have not been able to sign in to account. 
I have been back and forth with customer no service for months. 

The problem is the email I signed up with no longer works. 
I sent them new email info and just get caught up in this doom loop of no service.
Product: Debt collection

Specialized Loan Services continues to call and mail me collection notices of a debt they purchased from my original mortgage company. This debt was discharged in a bankruptcy over 10 years ago. They have also sent people to my home to leave notices on my door and photographed my home. They have also contacted friends on their personal cell phones. I have absolutely no idea how they obtained this information.
Product: Mortgage

Per the Deed ofTrust, we reinstated our loan on XX/XX/XXXX the amt due of {$32000.00} was funded via certified ck. The XX/XX/XXXX was at a XXXX bal. On XX/XX/XXXX Bank of America served us with foreclosure notice. We went to the local branch to work it out. XXXX called BOA customer service. Their response was " we do n't retract foreclosures. You will just have to go to the hearing on XX/XX/XXXX @ XXXX. In the meantime, we made XX/XX/XXXX & XX/XX/XXXX. pymts @ {$1600.00} each. The bank recorded them as regular pymts. We tried to pay XX/XX/XXXX & the teller advised that our pymt had more than doubled. The new pymt would be {$3300.00}. XXXX tried to help again then she turned us away, stating, " if you ca n't pay {$3300.00} then you ca n't make your pymt today. We tried again in XX/XX/XXXX to pay. We were turned away, again. The XX/XX/XXXX XXXX hearing was cancelled/rescheduled. The home remained in foreclosure all of XX/XX/XXXX and in turn, we were unable to make pymts. When the foreclosure was dismissed XX/XX/XXXX we tried to do a loan modification to keep the home.No XXXX followed up w/ us. The bank would serve us w/ XXXX additional foreclosures after this. We tried XXXX more loan modifications until finally in XX/XX/XXXX the President/CEO 's office handled our loan mod. They denied the modification after promising to help us obtain a loan mod. THEN they sold our loan to XXXX XXXX days after denying our loan mod.The LAST monthly statement we received from BOA states that we owed {$84000.00} the XXXX monthly statement we received from XXXX states that we owe {$120000.00}. WITHIN XXXX DAYS our amount increased by {$37000.00}. During all XXXX loan modifications, BOA had us in foreclosure. We also tried, to no avail, XXXX loan modifications XXXX XXXX Bank XXXX We are now being kicked out of our home after the bank kept us in foreclosure and not allowing us to make pymts. PLEASE HELP US SAVE OUR HOME! We have been fighting for XXXX years to be able to make our house pymts and continue to raise our son in the only home that he has ever known. WE HAVE BEEN BULLIED IN TO FORECLOSURE and have been unsuccessful in our legal actions, thus far. I will be filing a complaint against XXXX as they bought the loan from Bank of America in XX/XX/XXXX and they have been less than forth coming with their actions as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names : I am not XXXX, XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 XXXX XXXX 2 Experian 3 XXXX I am disputing Derogatory accounts 5 XXXX XXXX 4 Experian 5 XXXX I am disputing public records 2 XXXX XXXX 2 Experian 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.
Product: Credit card or prepaid card

I received a credit card from Bank of America Allegiant that I never applied for. I have not had an account with BofA for years now. I called the number on the letter I received and back of the card and sounded like a I was calling a fax line. I called the Bank of America # on XXXX XXXX. The representative that answered after letting her know the situation said, " Is it an Allegiant Card? '' then transferred me to Allegiant and spoke to a representative named XXXX which verified that there was a credit line opened under my phone # and mentioned there was already a claim, which I told him this was the first time I was calling about this. He then transferred me to the fraud department and said they would help me cancel this card and also provide steps to get this off my credit report. Spoke with XXXX in the fraud department and he said the application for credit was submitted on XX/XX/XXXX. He closed the account and labeled it as Fraud. He said they will be working with all 3 bureaus to take this off my credit report. He was not able to tell me how the application for credit was submitted. I will be following up with th credit bureaus myself as well.
Product: Mortgage

This is a continuation of a previous CFPB Filing Case # XXXX In XX/XX/XXXX I reached out to Wells Fargo to have the PMI removed from my mortgage. 

I had Wells Fargo do a BPO ( Broker Price Opinion ) on my  property. 

The Value of the BPO that was given was {$380000.00}.

The BPO was done incorrectly - Please see previous CFPB Case for details. 
I included proof that it was done wrong and that the value of my property was not accurately assessed, both to Wells Fargo and in the previous CFPB case listed above. 

Wells Fargo refused to make any adjustments or corrections to the BPO or even have it re-done unless I paid for it to be re-done. 

This dispute went on from XX/XX/XXXX to XX/XX/XXXX where Wells Fargo basically said they would stand by the BPO findings.

I decided at that time to have an Appraisal done on the Property. 

The Appraisal Dated XX/XX/XXXX stated that the property had a value of {$410000.00} ( on the low side ).

Wells Fargo did remove the PMI due to this Appraisal.

This valuation was much more in line with the true value of my home and proved that the BPO was done incorrectly.

My request is that the PMI from the time that the BPO was done to the time the PMI was removed be refunded to me as the BPO done  by Wells Fargo was nearly {$30000.00} off in the valuation of my home.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX became aware of interest rate law that prevents excessive interest rates. 
I contacted loanmart customer service. They basically stated that this practice of charging excessive rates is legal, and through cc bank.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite four mail certified written requests to Experian credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not  be verified.
Product: Checking or savings account

I have a checking account with Citizens Bank that had an amount that was over {$17000.00}. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX to notify me that a check in the amount of {$12000.00} was made under my name and under my account. The check was from Citizens Bank and it was cashed at XXXX  XXXX XXXX. I contacted Citizens Bank right away. I went to the Citizens Bank branch that is in XXXX Massachusetts. They made me file a claim which did by phone. They also made me filled out two declaration forms which I did and answered the questions at best of my knowledge. They did received both of the declaration forms. I called the claim office on XX/XX/2023 for an update, the person that I spoke to insisted on telling me that I was the one who wrote the check which I honestly didn't. A fraudulent check was made under my account and under my name. Citizens Bank is showing no interest in giving me back my money or finding a solution to the problem