23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''
Product: Money transfer, virtual currency, or money service

Listed and sold an item ( XXXX porcelain Micky Mouse vintage statue valued at approximately {$1200.00} ) through XXXX marketplace. 
A fraudulent buyer agreed to purchase the item through XXXX for {$1400.00}. 
The fraudulent buyer- ( XXXX ) deceptively informed my wife that she couldn't send over {$1000.00} to her unless it was a business account w/at least {$500.00} in it actively. 
XXXX then had my wife send them ( via XXXX XXXX payments, XXXX of {$500.00} and also XXXX of {$100.00} ) through my bank ( Chase Bank USA ) to create a XXXX business account. My wife informed buyer that she didn't have {$500.00} to do so. So the buyer emailed her a ( fraudulent ) statement showing buyer had funds ( {$1900.00} ) pending in my wife 's XXXX account to cover the cost, then asked to trust her to send {$500.00} plus a {$100.00} refund for shipping costs. 
The buyer then sent a fake XXXX email to my wife stating that her ( my wife 's ) XXXX account was a plus {$1900.00} received from the buyers XXXX account with verification. I have attached the emails. 
My wife then sent, 'as instructed " {$600.00} total to : XXXX thinking she had reimbursed her for the initial sign up cost of {$50.00}, {$500.00} min. balance + {$97.00} in FedEx shipping costs to XXXX Florida. 
Durring this whole process, multiple emails back and forth from XXXX were made with assurance that {$1400.00} would post to my wife 's XXXX account in a short manner of time. 
After a reasonable amount of time, zero money was posted to my wife 's account. In fear of being scammed my wife canceled the transaction with the buyer ( XXXX ). 
My wife has also canceled the shipment and is in process of recovering the {$97.00} from XXXX.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card

On XX/XX/XXXX, I obtained from XXXX, XXXX, and XXXX the annual free credit reports to which consumers are entitled. XXXX reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. XXXX similarly reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. THIS MEANS THAT " CAPITAL ONE '' ( or someone purporting to represent them ) REQUESTED MY INFORMATION ON XXXX SEPARATE OCCASIONS WITHIN A XXXX MONTH TIME PERIOD. 

I do not now nor have ever had any accounts with Capital One or their affiliates. I received no solicitations for credit card business from Capital One. I similarly have no credit, gas, or store cards. Likewise, I have not made any application for credit to any financial, retail, or any other type of business. Additionally, I have no intention to initiate any business, professional, service, or any other type of relationship with " Capital One '', given the fact that each telephone conversation I have had with their representatives included dismissive and unprofessional responses on their part. Each time I called them, Capital One refused to provide any explanation, other than to confirm that I have no active accounts with Capital One. 

During the time period in which these inquiries occurred, I was involved in a dispute with a XXXX, NJ. attorney ( who once served both as a member and a XXXX of the New Jersey Supreme Court XXXX XXXX XXXX ) regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Following the discovery of the credit report entries, I initiated disputes with both credit bureaus. XXXX response was to simply remove the entries from the credit report without providing an explanation. XXXX 's response was to keep the entries on the report and not provide any explanation whatsoever. 

This activity is highly suspicious. Capital One will not acknowledge requesting the information, and both XXXX and XXXX refuse to address the incidents. I reiterate : During all of XX/XX/XXXX, I was not once contacted by " Capital One '', nor did I make applications for credit to any corporation, financial institution, or place of business. I strongly believe that XXXX ( XXXX ) hard-pulls for my CR within a XXXX MONTH TIME PERIOD by a company which I had and have no accounts with, nor solicited me regarding same, is ABUSIVE, EXCESSIVE, and SUSPICIOUS. The CRs reflecting these occurrences are attached to this Complaint. 

I request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why these incidents occurred.
Product: Debt collection

In XXXX of XXXX had to visit the XXXX XXXX XXXX XXXX XXXX XXXX for a life threatening emergency. 

On XX/XX/XXXX, I receive an alert stating that a new collection account was added to my credit report. After, reviewing my credit file, I noticed that a collection company named PROFESSIONAL FINANCE CO falsely reported incorrect information to my credit file. I never reveived a statement XXXX XXXX XXXX XXXX stating that I had an outstanding balance. My notice of a balance was the alert I received from my credit monitoring service. According to the false information that PROFESSIONAL FINANCE CO entered on to my credit file, the balance owed is {$1600.00} and they are reporting that account was opened XX/XX/XXXX. 

Finally on XX/XX/XXXX at XXXX, a rep from PROFESSIONAL FINANCE CO finally calls me about the account. I asked them to explain to me how is my 1st notice of this possible outstanding balance coming from a collection agency and not XXXX XXXX XXXX XXXX? The only explanation the rep was able to offer was an apology. 

My wife and I have been the market looking for a house since XXXX of XXXX. We had been literally checking and verifying our credit file 6 to 10 times a month. During this time, this illegitimately reported account ( XX/XX/XXXX ) never showed on my report until XX/XX/XXXX. So not only was the collection agency my 1st only notice of this possible debt, they also incorrectly reported that delinquent debt has been on my credit since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing inaccurate information on my credit report XX/XX/2022 with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account numbers XXXX and XXXX, and XXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Prosper on several occasions to update the status of my closed accont. The status is closed and ner late. It is reported late in XXXX and this is inaccurate. Prosper agreed to remove this late reporting. However, this removal with the credit bureau 's has not been updated.
Product: Credit card or prepaid card

I have disputed a charge with my Citi card for the amount of {$34.00} with XXXX XXXX XXXX, on XXXX  Citibank closed the dispute XX/XX/XXXX siding with the merchant after receiving a response with just a copy of the order details but not really explaining anything about the reason of my dispute which is about a defective product for which I contact the merchant first but they ignored me. After closing the dispute, I signed the letter sent by Citibank as well as copy of the email exchange between myself and the merchant where they deny any fault with the item even when it is faulty, but still Citibank refused says they have not received any further information.
Product: Debt collection

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified American Express and have sent over all the necessary paperwork, I am also asking XXXX XXXX XXXX XXXX XXXX to do the same as stated on the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC. 

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX FRAUDULENT NAMES : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a copy of the certified letter I sent to Experian and I have also attached a notarized Identity Theft Victim 's Complaint and Affidavit : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom This Concerns : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to succession ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 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. 

The following inquiries are unauthorized : Company Name : Date Of Inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in our response time. 

I look forward to receiving an updated copy of my credit report reflecting the above deleted inquiries. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

My credit card payment in XXXX was due on XXXX XXXX. I made the payment, and paid off the outstanding balance on XX/XX/2020. However, i was assessed an initial late fee on this payment as i made it at XXXX and evidently the cut-off time is XXXX. When i learned of the fee, i immediately called to have it removed as i do not feel this is appropriate, and all of my other credit cards have a cut-off time of midnight of the due date. 

When I called to have the initial {$26.00} late fee removed, I thought the issue was resolved, but all they waived is the interest. That didn't make any sense to me and i refused to pay the {$26.00} fee on the XX/XX/2020 payment, and again paid the balance off from actual charges. This time they charged me a {$19.00} late fee because i didn't pay off the previously owed {$26.00} late fee. So basically they are pyramiding late fees. 

In XXXX I called again to discuss the late fee issue and explained that when the only balance is a late fee ( that never should have been assessed ) and they are assessing additional late fees that is a deceptive act and potentially illegal, depending upon State law. 

The Customer Service Manager stated she couldn't do anything because that is how their system works with cut-off times, etc. and that she can't waive late fees, and that a late fee is part of the principal balance owed. I told her that was nonsense, as I should have been able to make the payment due in XXXX up until midnight without being charged a late fee. 

I went ahead in XXXX and paid the {$46.00} in late fees because i did not want anything reported to Credit Reporting Agencies ( CRA ) that would negatively impact my Credit Score or rating. However, I feel this is a predatory and abusive practice and want the {$46.00} refunded to my account. Additionally, I want any negative reporting to the CRAs to be reversed. 

Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under ABSOLUTE RESOLUTIONS INVESTMENTS and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Student loan

I switched jobs and informed sallie mae i would not be able to pay on time. They told me that I would have a 15 day grace period and their would be a late fee. I said i would not be able to make it in that window. They said too bad you'll need to speak to collection the person i spoke with refused to let me speak with his supervisor. Wait a week until your bill os past due. When i called i discovered that my $ XXXX  monthly bill had a late fee which doubled it to XXXX. I sat on hold trying to get to collections for over an hour. I used their online customer service to temporarily change my payment plan. However my complaint is bring filed due to the predatory nature of their practice.