23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is my loan services. I have never missed a payment. After ten years the majority of my payment still goes to interest and not the principal. There are months that my {$1600.00} payment is not credited in full for either principal, interest or escrow they will credit {$2.00}. Im wondering where my payment is going? The reason is because Im in the XXXX XXXX know your options program which is for struggling homeowners facing foreclosure. Wells Fargo has a history of fraudulent practices with their customers. I have never expressed any communication with them about struggling or trouble paying my mortgage. Where are my payments going? Why is the full amount not credited at times? What is the other category on my statement and why is money going there? Why am I in a program for pre-foreclosure with my lender? Why is the majority of a full payment still going to interest and not principal? 

These are my concerns and I never get straight answers from Wells Fargo please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ( original creditor XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Bank ( hard inquiry ), XXXX XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

Yes I did a pay to anyone transaction to pay my wife XXXX and someone else received the XXXX dollars because they have my wife 's number hooked to there account so when I did a dispute they keep denying it even after I sent them the proof that she did not receive the money someone else did I have sent them phone contracts that show what my wife 's number is and had her write something out to say she did not received the and the phone number is hers and not the person who received the money. Now when I try to call they keep hanging up on me and when I call back they say we must of got disconnected but I know for a fact u don't get disconnected XXXX times in a row there just hanging up so it is really starting to make me angry. No one is helping me with the situation and I'm about to go to XXXX because she thinks I didn't really try to send her the money to take care of my son
Product: Debt collection

In 2017, I moved with my husband and XXXX young children to the XXXX XXXX apartment, Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, we did a 12-month lease. Within 10 months of reading, the condo became infected with Mold, many of the apartments in the condo had to close due to the infection. Our apartment got mold infected as well. The condo 's maintenance department hired an agency to clean up the mold, they closed our apartment, for weeks, we had to go to our parents ' house. In the process, all of our furniture, clothing, and other items had to be thrown away due to the infection. Our children got sick from the infection. We require the condominium to close the contract, to rent elsewhere due to the high volume of infection. After 3 weeks, the condo informed us that due to the mold, we could leave without problems, because there were only 2 weeks until the expiration of the lease. and that it was not required by law to sign any document to complete a lease. We left the condominium, with many material losses, but, 2 years later, a debt for the value of {$5800.00} appeared on our credit report. We never received notification from the condo, any calls, or emails to tell us there was a problem. We contacted the condominium about this problem, they told us that all the staff had been fired and they had no information, that we should contact the management of the condominium. We contacted the central administration, and after 1 month, the general manager asked us if we had proof of the problem to solve it. We emailed him photos and videos of the mold, the apartment closed due to infection and after 2 months of waiting they cut communication and sold the debt to a collector.
Product: Debt collection

On XX/XX/2021, I received an alert from the credit reporting agencies that Afni added a new account on my credit reports without ever sending me a dunning letter. Plus, I do not owe Afni nor am I responsible for this alleged debt with XXXX. I need them to not contact me, close this account, and delete this account from my credit report. 

Account : XXXX Amount : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The address used in these reports are not mine or do they belong to me some names are not mines along with those address I'm requesting for a further look an resolving these issues
Product: Vehicle loan or lease

I had a car lease through XXXX XXXX XXXX. I traded my car in on a new car and the dealer sent the full payoff via certified letter on XX/XX/20, which XXXX XXXX confirmed they received the check for the correct and full amount on that date. The payoff was good through XX/XX/20. After numerous calls, emails, and resubmission of paperwork they still havent processed the payoff on XX/XX/20. Between the dealer and myself we have called 9 times and Ive received multiple notices that my payment is due with late fees. Im concerned this will hurt my credit rating for something that should have been handled almost a month ago. I repeatedly have been told there is no one that I can speak to directly in order to have the situation resolved. Instead they keep saying they have sent emails to the department that handles payoffs. I called again today and have spoken to 3 people and still no one can resolve the issue.
Product: Credit reporting or other personal consumer reports

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

A merchant is using my credit card doing unauthorized auto payments or buying things from the Net Spend accounts. XXXX 1,2023 and XXXX XXXX2023. in dispute. The social security office Located on XXXX XXXX XXXX has sent my XXXX check to them and would not report it as lost or stolen, my option of choice. The social security office and Net Spend is playing some game with that check I do not want back even if they return it. I ask place it as lost or stolen and reissue me a new check.
Product: Debt collection

There was a account open fraudulent so The Bureaus got that account in collections. I called them after many letters and I settle that account and paid {$260.00} on XX/XX/2017. They sold the settle account to another company and they want me to pay {$340.00} to settle it again. They have harassed me over the phone. I am XXXX and Last year I XXXX my baby from XXXX and I do not want to happen again. I paid that account and they are a dishonest company because they got the money and now pretending that they never got a payment. I need your help to solve this situation.I get hundreds of phone calls and when I speak with them its horrible how they treat me and make me feel like if I don't pay something bad will happen to me. I'm worried about my baby. Please just make them see that i paid that debt 2 years ago. Please just make it go away. God knows I paid that debt that was open without my consent. Please I beg you for help. I can't take any more of their phone calls. I am not working and I can not pay what they ask but that account should be close because I paid it 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In regards to the property located at XXXX XXXX XXXX XXXX Ca. XXXX Wells Fargo Bank : The property is being rehab after a fire destroyed it XXXX %. I am trying to complete the final stages of XXXX out of my own pocket. I have fully reinstated the loan twice, the last time in XXXX XXXX for approximately {$16000.00} all this in effort to sell the home. Wells Fargo has done nothing to assist in this process, in fact in XXXX XXXX, Wells Fargo Agent 's came to the subject property and kicked in the doors thereby destroying the door frames and breaking newly installed windows under the guise of inspecting the property. I filed a claim in XXXX XXXX for the damage Wells Fargo caused, however, I repaired the property once again out of my own pocket, and forward the insurance of {$4700.00} to Wells Fargo with specific instructions to apply the funds to the mortgage payments. Wells Fargo refused and instead filed a Notice of Default with XXXX XXXX XXXX T.S. # XXXX as the Trustee. However, when I reinstated the loan in XXXX XXXX, XXXX XXXX XXXX XXXX was my Trust Deed, I have never received any Notice of a Substitution of Trustee, moreover, Wells Fargo has not disclosed where the aforementioned {$47000.00} is being held, nor will Wells Fargo provide a statement about the amount filed on the Notice of Default. The property was up for sale however, because of circumstances which Wells Fargo contributed to, it had to be pulled. Wells Fargo has not provided a single point of contact, every time I telephone I get a new person, I am told that someone in the executive office is working on the loan, however, I have never spoke with them, additionally, they are not equipped or work in the capacity of a point of contact as prescribed by the Attorney General of California.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or undemonstratedly asserted. 

My primary complaints are as follows : 1. Unverified Bankruptcy Reporting : After formally requesting information from Equifax regarding the verification procedure for the bankruptcy reporting on my credit report, I received a response stating that the bankruptcy information was obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX. However, upon contacting the courts, I received a letter ( attached herewith ) explicitly stating that they do not report to any credit reporting agencies or third-party agencies. The lack of validation of this information with the original source, the courts, compromises the integrity of the reported information. Therefore, it is deemed unverifiable, and I request its immediate deletion from my credit report. 

2. Privacy Act Violation : According to the Privacy Act of 1974 552a ( b ), no agency, including Equifax, is permitted to disclose any record contained in a system of records to any person or another agency without the written request or prior written consent of the individual to whom the record pertains. I did not provide consent to Equifax or any other agency to collect or share my personal information without proper verification. 

I am requesting the Consumer Financial Protection Bureau to take appropriate action to address my concerns and ensure that Equifax rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from Equifax 's records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 
- A comprehensive review of Equifax 's reporting practices to ensure compliance with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern.
Product: Mortgage

I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit card or prepaid card

I filed 3 disputes with Citibank for charges made by the same merchant, XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Arizona. All 3 disputes were denied and rejected by Citibank. I believe these denials were unfair based on the facts of the situation, I have tried to communicate and work with both Citibank and XXXX XXXX to resolve this matter both to no avail. In matter of fact, I have been met with outright hostility and scorn. 
On XX/XX/2020, my car would not start. I got it over to XXXX XXXX, XXXX # XXXX in XXXX, AZ. Based on their testing and recommendation, they said they could fix my problem for {$650.00}. I agreed and was charged on my Citibank credit card. 
The next day, XX/XX/2020 again my car would not start. I got it back over to XXXX XXXX. They said oops to get my car fixed and starting properly, it would cost me another {$590.00}. I had a car that would not start. I could not drive it somewhere else, At that point in time, I did not know where to have it towed to anyway. I had no choice in my mind but to agree. 
I was charged twice to fix the exact same problem. My consent to the first charge was based solely on their testing and recommendation and direct communication to me that it would fix the starting problem with my car. The second charge emanated from the " hostage '' situation I was in. 
Obviously Citibank has not been helpful to me in resolving this matter. 
Thank you for your help and consideration in this matter.
Product: Vehicle loan or lease

My vehicle was repossessed in XX/XX/XXXX while I was in the XXXX XXXX without warning. I was in contact with the bank the entire time during my financial crisis due to the car breaking down and requiring XXXX of dollars in repairs ( entire new motor ). 

They seemed to understand over the phone and gave no warning they would repossess my car. 

After the car was repossessed I called to ask how I could get the car back, they told me they will mail me the auction location. 

By the time the mail came it was passed the date of the auction so I had no chance to retrieve the vehicle. 

I asked how much they sold the car for and how much they took off the loan. Was never given this information. 

Over the course of 6 years this loan debt has been sold more than once like its still a car. 

The company wrote this off on their taxes years ago and are still throwing this around on my credit report. They also tried to scam me into sending them money even though they are no longer the loan holder. 

I want this account closed, as I have suffered enough over the last 6 years due to this company not communicating with me. It was unfair the way this company went about this entire situation. Not disclosing the amount I was owing after the auction and mailing how to get my car back instead of telling me over the phone. No warning when I spoke to them a week before the car was taken, even though I told them payment will be sent in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX unknown inquiring on credit report.
Product: Debt collection

Under 15 U.S. Code 1601, 15 U.S. Code 1666b and 15 U.S. Code 1692c ; I thereby request the following : 1. Verification of the debt 's validity, including documentation proving that I owe this debt. 
2. Proof that REMEX INC has the legal right to collect this debt.

3. A complete accounting of the debt, including the original creditor 's name and the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX and I only request to remove the inaccuracies
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I saw an advertisement on XXXX XXXX for a XXXX XXXX  for {$140.00} I contacted the seller right away via text as the seller ( scammer ) wanted. I text the scammer the same day and they reply with " The item is available ''. They told me to send them the money and and the shipping information thinking XXXX XXXX has some sort of protection but unfortunately they don't. I sent them the money via cash app ( {$140.00} ) and extra money ( {$20.00} ) for overnight shipping as they provided me with pictures taken at the XXXX  facility. Their cash tag is " $ XXXX ''. once I sent them the money, they stopped replying to my texts or calls. after I try texting them from a different number asking them if the item is still available and the reply with yes. this scam is sickening and something should be done to punish these people. the account was on XXXX XXXX and the account 's name was XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX refunded XXXX on my Pay Pal account. Pay Pal refuses to refund the money to my account - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off collection and am being told that they wont report to credit until 45 days
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX