23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today ( XX/XX/2019 ), I received a voicemail from a representative ( identified herself as " XXXX XXXX '' ) who presented herself as being affiliated with the federal student loan services and had updated information about my defaulted loans. I returned the call, which was answered by " XXXX XXXX '', he said " XXXX is busy but I can assist you! ". He proceeded to tell me that they were able to offer me an income-based loan repayment plan and described how it works. He asked me some " identity verification '' questions, which seem legit at the time because I believed that I was speaking with someone legit. He said that I would not have a loan payment due for 90 days, but then described 3 monthly payments of {$190.00} as a fee. I did not realize what was happening at first, it seemed like a wonderful opportunity and I was caught up in the joy of getting my credit repaired and taking care of my debt with reasonable payments. It was not evident that I had been taken advantage of and scammed until I received an email stating that my password for my federal loan account had been updated. It turns out that the man on the phone, without my knowledge and without my consent, had used my information to reset my password and access my account information. I called back to the direct line that XXXX provided and it was answered by a man named " XXXX '' who said " XXXX is busy but I can assist you! '' I told him I have spoken to enough people and I want to speak to a supervisor. He put me on hold, came back on the line a few minutes later and said he had put a hold on the transaction until XXXX could call me back. I told him I want a supervisor and he then said he would have XXXX call me and disconnected. XXXX called me a few minutes later and assured me that their company ( Student Loan Financial Assistance ) was affiliated with the department of education and were an approved loan servicer, but he did as I asked and cancelled everything. I received the email confirmation minutes later.
Product: Mortgage

XXXX CFPB casses compaints against wells fargo bank [ morgages ] wells fago bank has comitted fraud and perjury in courts across america, THAT MEANS ALL FINAL JUDGEMANTS FROM XX/XX/XXXX to XX/XX/XXXX SHOULD BE ANNULLED and propertys stolen by fraud and perjury should be returned or the total value plus interest to date and jail for all that took part in this criminal act of crime and this is more important than acounts that were falsly set up THIS IS A DELIBERATE ACT TO COVER UP OR DECEIVE JAIL FOR CROOKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and however, this is affecting me with my goals and my credit score. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from transunion and XXXX but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX  dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block all of the accounts, collections and identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email. I have been a victim of Data Breach with bureaus. 

DEPT EDUCATION -OPENED XX/XX/XXXX, BALANCE {$1400.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$190.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$260.00} XXXX-OPENED XX/XX/XXXX, BALANCE {$4400.00} XXXX XXXX OPENED XX/XX/XXXX, BALANCE {$7700.00} XXXX XXXX-OPENED XX/XX/XXXX, BALANCE {$210.00}
Product: Debt collection

I have received calls via an automated dialer every morning this week ( XX/XX/XXXX through XX/XX/XXXX ). On only two of these calls did the dialer ever even address me - one call was silent so long that I hung, on another call, the operator was engaged in another conversation which I could hear half of, and I hung up on her. This morning, the operator I spoke with was exceptionally rude, and she refused to tell me what she was calling about until I provided her with my social security number as identification, which I wasn't about to provide a random unidentified stranger with. Finally, she told me that she was calling from " XXXX XXXX XXXX, '' but was exceptionally rude and refused to even tell me what the call was regarding without my providing information I had no intention of providing a stranger, so I hung up. This is both a cellular phone, and my work line. It don't believe robocalling it, or using it for collection calls is legal. I looked up the company to see if I could utilize email or some other method of communication, but their site requires an account number to contact them that way, and I don't have one. I am not aware of any outstanding debts, but I am happy to review any debt validation information which they can send me through the mail. However, I refuse to provide personal information to some stranger on the telephone just to find out why they're calling me, and I need these calls to stop.
Product: Debt collection

I so not have a contract with this company not do I have knowledge of why they are trying to collect from me. If this is a medical debt I have not received written notice of this debt nor have I had the chance to dispute this validity of this debt. Therefore, it should be removed from all 3 credit bureaus where this debt is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make PSA, required me to purchase title insurance from XXXX XXXX XXXX XXXX, and force me to use XXXX XXXX as the closing agentXXXX XXXX Sales Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a XXXX, in the mask of complying with contract. 

Wells Fargo failed to deliver the appropriate loan documents required for the closing, never issued a written loan approval. However, Wells Fargo registered a forged final inspection approval. 

On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from Wells Fargo, which on XXXX confirmed that they had never issued loan approval, nonetheless, the closing agent performed a fake closing. On XXXX, Wells Fargo wired the undocumented loan proceeds of {$490000.00} - which is {$7000.00} less than the expected loan amount - into the escrow account. 

By law, XXXX XXXX shall survive the closing date. However, soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge, robbing me with the help from Wells Fargo. XXXX XXXX immediately put the property back to the market. 

Below is the contact information of Wells Fargo Home Mortgage representative : XXXX XXXX XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got a Home Depot board for XXXX credit limit the payments are XXXX a month last month I made a XXXX dollar payment which I called three days ago and asked why is this payment being reported to the credit bureau they gave me a run around today XX/XX/XXXX I checked again and my XXXX shot down XXXX points because they are not reporting it. Which even the credit report states high impact credit card and the only credit card I have is Home Depot. If they were gon na mark negative on my credit report by fcra law they half to notify me. That goes for everyone on anyones credit report and you can go down the line and hit every one for that violation but Home Depot never reported my payment still shows I used XXXX of XXXX credit limit when in fact I paid XXXX in XXXX which they never reported. I want them charged criminally and civil that is a direct violation and corpus delecti just because I went and graduated from school with a phd in criminal law dont mean I dont know the fair credit reporting act. And if you dont Ill be sure to file criminal charges against all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Insufficient Response- FCRA Violation On XX/XX/2021 I submitted a complaint under case # XXXX and it was closed on the basis that TransUnion stated they will respond and investigate my complaint. 

After the CFPB closed my complaint, I received a GENERIC letter once again along with a copy of my credit report file # XXXX dated XX/XX/2021 indicating the item regarding the Bankruptcy has been verified. The letter was received on XX/XX/2021 VIA the United States Postal Service. It's evident that Transunion has refused to provide sufficient information as they are required by law. 

In my initial complaint filed on XX/XX/2021 I submitted a copy of my Fico credit report that showed the information was removed by XXXX and the information reporting for both TransUnion and XXXX did not match ; which means it was not 100 % accurate, fair or timely.

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is my final attempt to resolve this matter voluntarily or I will take every necessary step to ensure this complaint reaches the Attorney General offices XXXX XXXX. Also, I will be providing copies of all correspondences that were sent certified along with your responses to an attorney as proof of non-compliance as per the FCRA section 609 a ( 2 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX unauthorized transactions were made via my cash app account totaling {$4300.00}. Cash app refuses to refund my money period saying its XXXX and cant do anything about it has stood by that since day XXXX I have disputed the transactions have requested refunds from the parties and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number n my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
Product: Mortgage

XXXX XXXX first refinance and XX/XX/XXXX second refi by XXXX from XXXX Texas have caused me XXXX XXXX XXXX at the age of XXXX now by XXXX my deeds after they were notarized including but not limited to Grant deeds and trust deeds and they worked in concert with the banks and insurance companies. The notary XXXX XXXX confirmed this as well. I have all proof and certified stamped documents showing the fraud by all the attorneys involved down to the officer in control of currency that uncovered XXXX XXXX XXXX fraud and fraud upon the courts. There have been 2 Civil cases first was XXXX XXXX XXXX Civil case # XXXX and the second Civil case # XXXX where we had a XXXX dollar judgment in our favor that was awarded XX/XX/XXXX against XXXX XXXX XXXX   XXXX XXXX. Upon prevailing one of the attorneys got an unlawful stipulation to set aside for good cause and we lost the judgment. First lawsuit will show conflict of interest showing their attorney was handling the case which we had an attorney already and had no written concent or prior discussion with my son. Forensic report I have in possession will show Security fraud and lenders not paid ( investors wallstreet not paid ). There are more provacle forms of fraude done by the banks in concert with title and attorneys etc.
Product: Checking or savings account

Submitting a complaint about the rediculous lack of response I am getting from HSBC. I tried to open a new checking account ( my first banking relationship with HSBC ) with HSBC, making my initial {$500.00} deposit on XX/XX/XXXX, and then roughly {$3400.00} was deposited 2x/month via direct deposit starting XX/XX/XXXX, meeting the terms of a new account promotion offered by HSBC. Note - it took about a month from the time I requested the new account before it was created for me - not fraudulent, but really bad service. This in itself may be worth looking into as I dont know if there is some sort of accounting advantage related to how they time recognizing new accts. I inquired about when the new acct premium would be applied, and they sent a secure message on XX/XX/XXXX noting it takes 8 weeks to apply after earned. I gave them ample time to confirm I had met all requirements, and allowed 8 weeks, when I re-inquired in XXXX about the status of my new acct premium. I received a secure message on XX/XX/XXXX that they submitted my inquiry to their " Campaigns & promotions '' department for review and would need 7-10 biz days to compete their research. it is XX/XX/XXXX today ; how are those 7-10 days looking? I've reinquired every month, and received secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX, with each referring to some area of their company working on this. This is a simple research exercise - what were the terms of a promotion that was in effect, and did the customer meet those terms - if no, explain you are sorry and why you cant award the premium ... ..if yes, apologize for the delay and award the premium. This is not hard, and this is not a small company. I must therefore conclude that this company is purposely delaying awarding the {$750.00} new account premium that is due, and there is no reason to believe they are singling me out - this is likely happening to many customers who observed HSBC 's offer, responded and complied in good faith, and are now either battling to get the award they were promised or have simply given up and have been cheated out of what they earned. HSBC makes too much money to nickel dime customers this way, and I'm hoping the CFPB can impose its will to review their new account award advertising, fulfillment, and research processes as you may find gross sloppiness, but I suspect you will instead find proceduralized fraud. I thank you very much for any support you can provide in this effort, both for the fraud I have encountered, and that which I am very confident is happening to other HSBC customers.
Product: Debt collection

XXXX Contacted cra - XXXX and Creditor for validation of debt sent // used USPS XXXX Ph number to Credit grantor on CRA reports are not valid USPS returns address on CRA reports as vacant locations Requested all 3 CRAS to remove due to not being a validated debt ( Refused ) XXXX XXXX attempt at correction - wrote to all 3 CRA 's and sent in exhibits to show the returned mailing to the Creditor by USPS , along with the inaccurate payment history showing on the report // USPS XXXX XXXX response from XXXX was furnished has validated debt which is a lie since he furnished does not exist at the phone number or address as shown on my CRA reports and as proof by the returned USPS mailing labels and package XXXX, I sent my Final notice to The CRAs and explained I would be contacting CFPB and filing for possible arbitration or court because the name listed on the debt is not mine, and it is being reported as per the compliance office of a third-party creditor who wrote an email on XXXX ( Genesiscred.com ). The name showing of the person liable for the debt is XXXX XXXX, the original creditor stated in the email received is XXXX XXXX XXXX, and the party who wrote the email was Genesis Credit. 

XXXX USPS XXXX with 13 exhibits to show all the errors in the reporting and violations in reporting. 

Please help me to rectify this matter that is causing me financial harm.