23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

UPDATE AFFIDAVIT OF FACT WELLS FARGO FRAUDULENTLY CONTINUES UNFAIR & DECEPTIVE BUSINESS PRACTICES THAT LEGAL AID OF XXXX XXXX XXXX " XXXX '' DESCRIBED DURING A XX/XX/2022 XXXX. CONFERENCE CALL " ASK A LAWYER '' AS CONTINUED FRAGRANT ABUSWE OF CONSUMERS REPORTED TO CFTC THIS CONTINUES TO INCLUDE FALSE NARRATIVE CONCERNING LACK OF HOMEOWNERS AVAILABILITY BY PHONE TO DISCUSS THE " ISSUES '' THE " ISSUES CONTINUE TO BE THE INFLATED COST OF ESCROW THAT DOES NOT COMPARE WITH THE XXXX XXXX OFFICES FOR TAXATION, THE INSURANCE COMPANY CONCERNING COSTS TO INSURE AND MOST RECENTLY THE DISTRUBING ISSUE THAT WELLS FARGO ACQUIRED A " STRUCTURALLT DAMAGED PROPERTY MORTGAGE '' FROM XXXX XXXX WHO MISS REPRESENTED PROPERTY VALUE DUE TO THE STRUCTURAL DAMAGE THAT HAS LITERALLY SHOULD PLACE THE PROPERTY FOR CONDEMNATION UNTIL EITHER RESTORED ( WHICH IS NOT SUSTAINABLE BY THE OWNERS ) OR DEMOLISH THE STRUCTURE & SELLING THE LAND @ A VERY HIGH VALUE. THE LATTER CAN NOT BE ACCOMPLSIHED UNTIL THE PROPERTY IS RAZED. 

WELSL FARGO HAS REFUSED TO INTERVENE & PURSUE WHAT SHOULD BE JOINT DAMAGE WITH THE OWNER TO SECURE DAMAGES BECAUSE XXXX XXXX  LIB AILITY IN VIOLATION OF STATE OF NEVADA REQUIRED DISCLOSURE LAWS. 

WELLS FARGO PER THIS AFFIDAVIT HAS REFUSED TO COMMUNICATE SOUND FINANCIAL FIGURES FOR THE ESCALATION OF ESCROW & UTTER VIOLATION OF THE AUTOMATIC WITHDRAW OF FUNDS SINCE ACQUIRING THE MORTGAGE FROM XXXX XXXX. 

WELLS FARGO MUST REIMBURSE XXXX XXXX FOR THESE INFLATED WITHDRAWS THEY MUST INSIST THAT XXXX XXXX BE HELD ACCOUNTABLE FOR THE FRAUD THAT THEY HAVE IMPLEMENTED & AS A RESULT PROVIDE DAMAGES TO BOTH WELLS FARGO & XXXX XXXX PROMPTLY & WITHOUT DELAY. 

FURTHER EVIDENCE OF FRAUD : @ THE VERY LAST MEETING BEFORE XXXX XXXX DISAPPEARED & WAS A NO SHOW TO MEET @ THE XXXX XXXX XXXX XXXX XXXX STATED THAT EVERYTHING WAS FINE & THAT THE APPLICAITON WOULD BE APPROVED BEFORE THE HOLIDAY! 

HIS DISAPPEARANCE WAS BOUGHT UP TO ASSUMING SUPERVISOR WITH NO AFFIMRATIVE ACTION- ITS LIEK THE MILLION PLUWS FRAUDULENT ACCOUNTS THAT WELLS FARGO XXXX IN A XXXX XXXX XXXX PROGRAM! 

THEY CHOOSE NOT TO ADDRESS IT- BUT STATE FALSELY THAT FINANCIAL INFORMATION REQUESTED WAS NEVER PROVIDED. 

WHAT IS THERE EXPLANATION FOR NOT CLOSING ON TIME THAT COSTS XXXX XXXX {$1500.00} IN EARNEST MONEY?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp, ( Block , inc ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because XXXX, XXXX and Experian refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my EXPERIAN report and there are 4 on XXXX  and 4 on XXXX. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. EXPERIAN, XXXX and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that EXPERIAN, XXXX and XXXX verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
Product: Debt collection

A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and closed my TJMax Master Card credit card as they weren't ( once again ) allowing me to use my card in my hometown. they sent me emails later, and letters stating I couldn't use my account until I did XXXX to activate it and i called AGAIN and stated I closed this account due to the inept customer service on XX/XX/XXXX, they sent me more emails, again called. Then on XX/XX/XXXX a charge was autodrafted to this account. I called again, It is CLOSED, why did this go through? Then on XX/XX/XXXX another charge was autodrafted and again I called, it is closed, but they refused to close it until XX/XX/XXXX and told me I owed the charges. I was able to get both charges refunded and owe them nothing. They behave as if they are above the law. Why is this? This has affected my credit report. Today I called them again and my balance is XXXX but they said synchony bank handles my Belk and Walmart cards, so I cancelled both.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 reporting 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

I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX, XXXX XXXX XXXX JXXXX XXXX XXXX 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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX Account number XXXX  XXXX : XXXX XXXX XXXX, Account number XXXX XXXX : XXXX XXXX XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

{$1600.00} Jefferson Capital Representatives has already told me the name and D.O.B do not match, I do not have ant written agreements or contracts with them. XX/XX/2020 I have spoken to rep. This negative remark is causing damage to my credit score
Product: Credit reporting or other personal consumer reports

I was not aware of the existence of this account until XX/XX/XXXX while apartment hunting, and I checked my credit report XXXX weeks prior and it was not there. I was shocked because I have never used this company. I am working to investigate this account on my end. 
I have reached out to this company several times to request a thorough investigation and it has been incredibly difficult to talk to someone who can handle this situation. They have not made any true effort to investigate, they have not provided any writing ( and I see that this loan was from XXXX ), and they will not responded to any correspondence I send. 

In addition to previous information I have given, I am adding that I also never received any form of a XXXX regarding this account or received any form of communication regarding the status of this account over the course of XXXX years. The first time I have had contact with this company was in XX/XX/XXXX to question them about this account. 

I do not recognize how this account is reporting on my credit report. I do not recognize the account number, status, balance, nor the payment history reported. It does not meet the FCRA
Product: Money transfer, virtual currency, or money service

Im writing this complaint about my account I had with XXXX XXXX for years. I had multiple products and accounts with them. I never received my settlement which I started the process on XX/XX/XXXX XXXX XXXX. I never received any more information about it. Ive reached out to XXXX XXXX plenty of times no response. I was a victim of XXXX XXXX XXXX XXXX XXXX XXXX fraud as well with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX has been deleted of my credit file/ report from XXXX  and I am requesting the same for Transunion and XXXX . This has been an ongoing dispute and long process with Transunion and XXXX. XXXX XXXX has held me accountable for unauthorized interest charges, late fees and charges that accumulated after this account/ card has been reported fraudulent and has continued to be left open for accumulated charges, interest charges and late fees informed for this company to get funds from me not owed. My information was compromised in the XXXX data breach in 2017 and also in the recent XXXX  data breach. I am currently conducting a XXXX Settlement through XXXX for this matter. I have also did a Identity theft report, filed numerous disputes with them that has been unsuccessful due to them trying to collect moneys not owed to them. I have also been harassed on many occasions.This account should not be still reporting and should be deleted off my credit report with Transunion and XXXX as this is damaging my credit and not accurate. The balance on this account owed is XXXX dollars and I was informed that this account will be deleted off my credit file as XXXX did already. Please see attached documents
Product: Debt collection

To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company. 
Assignment : transferring some or all property rights and obligations to another person through a written agreement. 
I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT. 
ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail. 
The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises. 
Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX  XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity. 
With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : XXXX XXXX    XXXX
Product: Debt collection

Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
Product: Debt collection

i have a this negative report of some amount of money that i dont know of they have reported on my credit i try to find and contact but no response that who they are so please help me delete this out of my credit report. 
many thanks
Product: Debt collection

XXXX XXXX XXXX XXXX CASE # XXXX. Im kindly asking they remove all negative items from credit. I sent in complaint about them but then I looked up to see if they were licensed in NEW JERSEY and I didnt see their name listed. So Id like them to verify all license and bonds for debt collection also. But the fact that there is extra fees on front page and not on contract agreement is enough for deletion. Im looking to resolve this out of court because I will have to go after damages at this point. Time and damage to credit with fraudulent evidence please respond. Thanks and hope to resolve soon
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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: Debt collection

in XX/XX/year>, I returned the phone I am being charged for, I believe it was received due to an email they sent saying as much. However, because they originated the XXXX postage provided to me to return said phone - there is no access to track the delivery, despite repeated requests for the tracking number. 

Repeated attempts, of which I never was able to get past XXXX ring of XXXX, has led to deliberate service drops after hours on phone and chat. XXXX sim card replacement did not remedy as I believe it was entirely deliberate. My service was disconnected & reconnected during a call in which I lost my temper because he stole my current phone XXXX  number and applied it to the missing XXXX online and in real time. 

I have chat transcripts and correspondence, as well as email to attach. I can not prove but I believe my pc was hacked while on the phone with this same XXXX  - XXXX. {$500.00} dollars was XXXX  out of my checking account once call was ended
Product: Credit reporting or other personal consumer reports

I sent my dispute XX/XX/23. Experian updated my Experian portal saying they can not process my dispute. I sent in all of my verification documents ( drivers license, social, and utility bill ) They are refusing to give me my results while continuing to report negatively on my credit report. This is a problem and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
Product: Credit card or prepaid card

I have a duplicate charge of {$44.00} for XX/XX/23 & XX/XX/23. I have called XXXX which is where the charge originated from and apparently it is Direct Express glitches ' that are causing the double billing. They collected on the XX/XX/23 charge and have not collected on the XX/XX/23 charge and do not intend to, per XXXX this is not longer a pending transaction and should have been credited back to my accoung I have called Direct Express several times over the last week. I actually waited on hold for two ( 2 ) hours and again for over an hour. You can not get through. I called Comercia bank as they are the bank which issues the card and they could not help and refused to even talk to me. 

Someone needs to be held accountable for this. I have tried to dispute the charge, but can not get through. Something is going on with the company. XXXX stated that it is XXXX XXXX and Direct Express experiencing this problem with double billing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : XXXX. Proof that I owe the debt and that the amount is accurate. XXXX. The name and contact information of the original creditor. XXXX. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX  credit card balance down to {$0.00} before my due date. I have my XXXX statement proving I paid everything to {$0.00}. 
But XXXX incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few hard inquiries on my credit report from navy fcu and XXXX XXXX and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down considerably on this account from XXXX XXXX  XXXX, XXXX, XXXX, and Experian are reporting incorrect information. The balance is now XXXX and it should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Depot did a hard inquiry on my credit report that I explicitly objected to. The loan rep is XXXX, XXXX.