23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan refinance on XX/XX/XXXX with Intercontinental Capital Group ( https : //intercontinentalcapital.com ) after receiving an offer from XXXX XXXX XXXX Mortgage Loan Officer NMLS : XXXX. I quickly submitted all the requested forms and documents. On XX/XX/XXXX I was contacted via email by XXXXXX/XX/XXXX, Submission Processor at Intercontinental Capital Group NMLS : XXXX, and additional information was requested. I submitted all requested information the same day, uploading it via the lender 's secure portal. Then the delays began. I would regularly email XXXX asking for updates. She would be slow to respond, usually waiting several days, and then kept asking for information pertaining to my employer ( a multispecialty medical group where I am a partner ) so I directed her to communicate directly with my group 's executive director. Despite the executive director verifying my employment and my income, XXXX kept avoiding giving me a closing date. She eventually said the closing date would be XX/XX/XXXX, but nothing happened on this date. I was able to reach her by phone after this date and she said that the application was held up in the underwriting process due to lack of income verification, which I had submitted multiple times already. On XX/XX/XXXXI emailed and called her again, and my email was returned as blocked and my phone calls are now being unanswered.
Product: Credit reporting or other personal consumer reports

I have tried to contact this company multiple times to resolve this debt and they have been ignoring my calls, letters. I need to be able to something sent from this company to be able to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.
Product: Credit card or prepaid card

XXXX stores were in a lawsuit currently with the State of Washington and XXXX. The lawyer in charge of FBA properties for Temporary Receiver XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Find a case FBA Stores I have files with the FTC also as the products and services were not provided. Currently, there is NO communications between XXXX stores and the public. Case is in settlement currently. Were purchased a package with them that was to give us lifelong access to a warehouse and packaging company, resources to wholesale companies, a paid trip to a XXXX XXXX and 16 lessons to teach us how to sell online/XXXX. We had issues with the company from the start and tried to resolve them on our own. In XX/XX/XXXX the entire company closed without warning. We no longer had access to any of the things we had paid for. We had no contact with the company and all forms of communication with them was out of service. We heard of the attorney handling their case. they were being sued by State of Washington and XXXX for fraudulent misrepresentation and others issues. I filed with credit cards As soon as I knew any of this was happening. Since this was something that was out of my hands and unforeseen I hoped the CC companies would work with me to get some of my money back Since I no longer had the goods or services I paid for. XXXX XXXX was very unwilling to work with me to try and help me get any of my money back. I received a letter saying Sorry but the length of time since purchase has been to long. I made the purchase in XX/XX/XXXX and filed fraud dispute in XX/XX/XXXX. I am very unhappy and disappointed that this CC was not willing to try to refund even a partial amount of my cost. Just a big fat SORRY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan account XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Other Identity Theft Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$460.00} XXXX Account number XXXX Date fraud began : XX/XX/XXXX Date I discovered it XX/XX/XXXX Total fraudulent amount : XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well proff that my information was breached by XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Received a text message at XXXX XXXX XXXX XXXX  alerting me about the XXXX in debt through Wells Fargo Text support for a XXXX. 

And had a website to click to approve funds. 
I didnt not click the website but the number is : XXXX I am scared someone has my phone number and applied for this without my knowledge or consent
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Wells Fargo Blocks my bank Account so XXXX XXXX Wont work XXXX XXXX may Work fore 98 % Of Wells Fargo Customers and Wells Fargo Block XXXX XXXX use fore Anyone the bank Docent Like Wells Fargo Block me making XXXX XXXX Money transfers then Wells Fargo Says that Wells Fargo is not responsible fore 3rd Party Bank Machines that dont work with My bank Account that is Blocked by Wells Fargo and XXXX XXXX may Work fore 98 % of Wells Fargo Customers 4 years Im a XXXX in Foreign Countries like XXXX is {$110.00} Dollars max ATM Withdrawal with {$10.00} Dollars in bank Fees and XXXX XXXX Transfer transfer {$2500.00} dollars fore {$6.00} XXXX XXXX Askes fore my Online Banking Wells Fargo User name & Password Wells Fargo Denied then 5 Minutes later the XXXX XXXX Transaction works with XXXX XXXX I enter my XXXX XXXX Online User Name and password and XXXX XXXX Works I contacted XXXX XXXX says Wells Fargo is Blocking the XXXX XXXX Transaction is Blocked by Wells Fargo is what XXXX XXXX Customer Service told me XXXX XXXX 500000 Agent locations worldwide XXXX XXXX probably Work with All Countries online Banking and XXXX XXXX docent work fore me because Wells Fargo Block my bank account almost all my Online banking is blocked by Wells Fargo I complained a Wells Fargo Bank Teller might have Robed me then Wells Fargo Fraud Department Refuse Two File the Complaint a Wells Fargo Bank teller Robed me and my only and Next 20 Trips Inside a Wells Fargo bank all of my 20 Cash Withdrawals a Bank Teller had two Verify me 3 years Wells Fargo Block my Wells Fargo Credit Card wont work with XXXX
Product: Mortgage

Please refer to my Memo and Videos attached. 
A brief background - I found out XX/XX/XXXX that XXXX employee - I do not know who - placed me in a contract with a non-existent lender - XXXX a New York Corporation as of XX/XX/XXXX. An inside employee at XXXX sent me further information concerning fact that someone was financially benefitting from my monthly payments and that my loan application was changed after I signed it i.e. increased my checking account balance to meet the guidelines to fund the transaction. I know this is identity theft. I have been asking the debt collectors XXXX XXXX XXXX for the Account Loan Data from Original Lender since XX/XX/XXXX and made clear -- -- -- -- I stand on UCC 3501 and I am not in default in accordance to UCC 3501. Deserve to know the truth and expect the truth. XXXX XXXX XXXX strung me along and I believe charged off the debt to collector the ledger credit which I know about after reading the Federal Reserve Publications of XXXX, XXXX and XXXX This was not good enough for debt collectors XXXX. I also found out about the credit default swaps and default insurance taken out using my signature. Fast Forward to XX/XX/XXXX, without my permission pursuant to 15 USC 1692c, XXXX XXXX XXXX Debt collector sold my private information to another group of misconduct debt collectors - XXXX XXXX dba XXXX XXXX XXXX and also Residential Credit Solutions -- XXXX XXXX was caught lying about not having an interest in my other property in XXXX ; XXXX uses shell companies to steal real property -- -and I have the proof and witnesses which I plan to turn over to authorities. So he is the last person whom I would want to have my personal data -- -CFPB has already determined that these misconduct debt collectors purchase only electronic data. XXXX 's partner is Residential Credit Solutions Inc. also a firm debt collector. I am very well versed in FDCPA and FCRA. I teach a class every Sunday to varied professionals via XXXX. 
Greed and failure to refuse to abide law and respect lives of others - I should not be punished for abiding to law and educating myself on this theft and the abuse against others who have no voice. Let 's see person hiding behind Residential Credit Solutions XXXX who chose to work with XXXX XXXX XXXX : choosing to XXXX me around and choose not to provide me with the Account XXXX XXXX from the Original Lender feel my stress and pain ; the thought of not able to house myself due to the credit issues caused by crooked XXXX XXXX who works closely with these misconduct debt XXXX and the rigged auction buyers. Let 's see this person live in their car in the cold with children. These debt collectors need to be shut down -- our lives matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, Equifax, and XXXX from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information. 

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected inconsistencies. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided so that I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For about 1 year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Service is incorrectly reporting I'm in collections with 2 credit card companies XXXX XXXX and XXXX XXXX. My own reports show both accounts have been closed since XXXX XX/XX/XXXX. XXXX XXXX effective XX/XX/XXXX closed the account with a XXXX Balance. Today XX/XX/XXXX XXXX XXXX reported the account has been removed from my credit report. XXXX XXXX has added remarks to my report indicating the account is closed and not in collections. I'm attaching information from all 3 credit agencies which verify my above statements.
Product: Mortgage

My mortgage is with Wells Fargo. I fell behind on my payments a while ago due to divorce and loss of income. I also had to file for Chapter XXXX bankruptcy. 
I tried to work out my options with Wells Fargo to possibly get a loan modification which I wasnt able to. I was then given two options, either to have the property qualified for short sale or let it go to foreclosure. I chose option one and started working with Wells Fargo to qualify for a short sale. 
I found a buyer whose contract was approved from Wells Fargo and we had a set sale date of XX/XX/2019. While getting a title report, we discovered that there were a total of 6 liens on the  property. 
I paid a lawyer to have the liens removed. My lawyer unfortunately was only able to get one of the liens removed. I started working with the party that had placed the other liens on the property directly. 
In the meanwhile, Wells Fargo listed the property for foreclosure and told me that I only have until XX/XX/2019 to have all liens removed or the property will get foreclosed. Unfortunately, I was not able to meet the deadline and it took me just two extra days to have all liens removed. 
At this point Wells Fargo tells me that I can not short sale the house and it will have to go to foreclosure since I did not meet the deadline set by them. The house has been scheduled to foreclose on XX/XX/2019. 
We are still about two weeks from the foreclosure date. I need help from somebody that can help convince Wells Fargo to allow me to move forward with the short sale. Thank you!
Product: Credit card

I signed up for a US Bank Altitude Connect personal credit card this summer, and made the {$2000.00} purchases within 90 days in mid-XXXX  to qualify for the XXXX bonus points offer. US Bank confirmed this several times from XXXX when I called them to ask why the points had not posted on the XXXX or XXXX statements like they said they would. US bank employees verified I qualified for the points already several times when I spoke with them, and said it would appear on the next statement, which was a month or two ago now. On XX/XX/year> I called again and they said a case was being started to investigate and would resolve in 7-10 days. Today 11 days later I did a chat session with them and they said it would be several more months & they're not sure why it's taken so long, not resolution or points in my account yet. In early XXXX, US Bank devalued the points value by 20 %, so the {$500.00} statement credit I should have on my account with the XXXX points is now worth just {$400.00} if the points were to appear today. I would like US bank to credit my account {$500.00} as promised under the offer I signed up with & earned back in XXXX. It's been several hours of follow-up with more than 5 employees since XXXX to try and resolve this issue.
Product: Credit reporting 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 corrected immediately. The XXXX 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 or remove the following inaccurate items in my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX AUTO  LOAN  NO.XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I received a payout from my homeowners insurance of {$8200.00}. This was for damages caused to my home and out building due to a tornado that touched down less than 20 foot from my home. My roof on my home was leaking, shingles pulled off and my building was missing the doors, tin from the roof and post were knocked from the ground. I didn't ask for {$8200.00} to be issued to me, that was the adjustors choice. Why am I being penalized for using my homeowners insurance? 

The outbuilding is not listed on the claim and I felt it was important for it to be known the total damages was not all on the home.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$590.00} with XXXX XXXX XXXX Account Number XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00} I demand this account to be deleted on my credit report.
Product: Mortgage

XXXX XXXX ( NMLS # XXXX ) representing US Bank provided a clear to close for the buyer of our townhome on XX/XX/XXXX for a scheduled closing date of XX/XX/XXXX. The day before closing, on XX/XX/XXXX at XXXX XXXX, XXXX admitted that a final Closing Disclosure was never issued to his borrower. As a result, closing would need to be delayed by three days. 

As we were also closing on the purchase of our new home on the same day, our closing had to be delayed as well. We suffered numerous expenses including moving truck expenses, housing, meals, personal days from work, and distress to a new mother. COVID-19 exasperated these issues. 

On XX/XX/XXXX, we sent XXXX and US Bank a letter detailing their negligence, and seeking a resolution. There was no response. On XX/XX/XXXX I called XXXX/US Bank to follow up and received no response. On XX/XX/XXXX I emailed XXXX/US Bank to follow up and received the response that there was no resolution available.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations was sent to XXXX  XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe