23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo has NEVER contacted me about my mortgage w/ them. 

On XX/XX/XXXX I took out a mortgage with Wells Fargo for the home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Purchase price was {$310000.00}, plus taxes, plus closing costs. 

XX/XX/XXXX I lost my job. 
Immediately after, my then-husband got a GF and left. He'd also lost his job. 

I stayed at this house until Fall XXXX. WF sent many foreclosure letters and warnings. 

I had to pay all utilities thru XXXX XXXX or so. 

Except on or around XXXX I spoke to WF by phone about refinancing this mortgage. 
I sent them back their hardship paperwork. 
Heard nothing. 
In early XXXX, the same. 
In Fall XXXX, the same. 

I never heard anything from WF until right before I moved out. 
They sent a letter refering to the hardship paperwork I'd turned in over a year prior, but still never processed it. 

Breakdown is as follows : bought XXXX XXXX XXXX, XXXX XXXX, NV XXXX parcel # XXXX on XXXX for {$310000.00} plus taxes plus closing fees, mostly put into a mortgage with Wells Fargo. 
Requested help with mortgage on multiple occassions, by phone and online. 
Was never helped, but sent many letters threatening to foreclose. 
On or around XXXX, house was sold to a 3rd party based out of XXXX, CA. 

So WF never processed the hardship paperwork, never helped me at all there was a program for {$150.00} off each month on the mortgage I applied for, they never processed that either, offered any help, suggestions, just left the paperwork in permanent limbo. 

Until the house foreclosed in early XXXX. 
Also leaving me with thousands in fees, taxes, insurance that Wells Fargo told me I was responsible for. 

As a result, I had to declare Bankruptcy and ruin my credit for a decade. 
I lost my house, my home, had no choice but to move out of NV back to MI. 

Wells Fargo not only never tried to help me, they never made any contact at all. Calls and messages and emails all went unsnawered, leaving me witih many outstanding bills. 

To this day, Wells Fargo has not ever sent me anything. 
Except for bills. 

My house foreclosed thanks mainly to Wells Fargo. 

I have never been contacted about any of these class action lawsuits. 
If I'm eligible, I have not received a single penny from them.
Product: Credit reporting or other personal consumer reports

When filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), its important to clearly outline your issue, what actions youve taken, and what resolution you seek. Heres a template you can use to structure your complaint : -- - **Your Name** [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Against Experian Regarding Identity Theft and Inaccurate Reporting** Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of my dispute related to identity theft and the inaccurate reporting of information on my credit report. 

Background : 1. Identity Theft Claim : I filed an FTC Identity Theft Report # XXXX on XXXX XXXX due to fraudulent accounts appearing on my credit report. Along with this report, I submitted other documentation, including my drivers license, and a detailed dispute letter. 

2. Experian 's Response : Despite my submission of the FTC report, I received a communication from Experian on XXXX XXXX & on XXXX XXXX indicating that my request to block the fraudulent information had been declined. They stated that my request was either made in error or based on a material misrepresentation. 

3. Privacy Concerns : I am concerned that Experian is certifying information solely based on the word of the reporting companies without providing me with the evidence necessary to support their assertions. This raises issues regarding my privacy rights under the Privacy Act of 1974, as well as my rights under the Fair Credit Reporting Act ( FCRA ). 

4. Lack of Investigation : I contacted Experians fraud department and was informed that the disputed items could not be blocked without additional documentation. I was advised to provide validation from a law enforcement agency, despite the fact that the FTC report holds equal value to a police report. I believe Experian is failing to conduct a reasonable investigation into my dispute and is acting as a de facto debt collector by reporting inaccurate information without proper validation. 


I have attached proof from the FEDERAL TRADE COMMISSION WEBSITE AND MY EMAIL, PROVING THIS IS A LEGAL DOCUMENT FROM A GOVERNMENT AGENCY, I DO NOT APPRECIATE EXPERIAN ACCUSATIONS AGAINST ME, WITH NO EVIDENCE TO SUPPORT THEIR CLAIM! 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time. 

Sincerely, XXXX XXXX
Product: Credit reporting

Have hard inquiries on my credit report for someone trying to get a card with my information. Not me it is showing XXXX hard inquiries on Trans Union.
Product: Consumer Loan

I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. 

I have submitted a police complaint but the local police are not able to resolve the fraud. 

The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. 

I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Capital One is the WORST bank ever. For the last 5 years they have tried their very best to put my small woman owned business at risk for closing. I will start with the latest nonsense that happened last week, XX/XX/XXXX. A contractor mailed a check from their bank, XXXX XXXX XXXX ( which I found out is just as bad as Capital One ). I digress, my customer told me that their bank " flagged a check '' as fictitious, but to have me deposit the check. I deposited the check as I had been told, and less than 3 days later the check was returned and my account was flagged. I went out of town for 5 days, when I learned that this check bounced in my business account, but also my personal account. Capital One locked me out of my accounts while on holiday. I spoke with numerous Capital One reps from the Recovery Department, again on holiday when after 2 hours of callbacks, getting placed on hold, a lovely CS rep was able to remove the block from my personal account. I learned that the replacement check for the " fictitious '' check was not going to clear for 5 business days, and it didn't matter that I had to pay my employees health benefits, payroll, rent, etc. Finally, after arguing with Capital One about the unfair treatment of ME ( their customer ) ; they told me that if we bounce anymore checks, they were going to drop my company as a customer. The utter nerve of this bank who has caused me more grief than any other institution, threatened me! I am the victim, NOT Capital One! They deserve punishment for ruining my vacation, and causing my XXXX  to become intolerable. This is NO WAY to treat long term customers. Capital One needs to formally apologize to me for treating me as if I were the criminal bouncing checks all over. I hate Capital One, and will be removing my personal and business funds. Meanwhile, I expect satisfaction for the stress, aggravation and the payment of every bounced check this has caused. Capital One Bank must pay for what they continue to do to my small business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Im contacting you because I had this removed from my credit report many times already and they sale the debt in put it back on my report this account doesnt belong to me I asked for validation in signing of the contract many times and they could never provide it so I would like this to be investigate and removed if they cant show validation and that this is the original company and original contract with a wet signature from me
Product: Debt collection

On XXXX XXXX, I saw a health debt collection on my equifax report. The date of first delinquency is on XX/XX/2018 and the original creditor is a doctor in pennsylvania. There are a couple of problems : First, I have never been to pennsylvania in 2018, let alone visiting any doctors there. I don't recognize the doctor name ( creditor ) at all. 

Second, I haven't ever been contacted by any agencies/doctors about this debt. 

Third, this collection record only appeared on my equifax report but not other reports from XXXX  or XXXX. 

I disputed using Equifax website on XXXX XXXX however Equifax sent me their investigation report on XXXX XXXX saying the record is " accurate ''. 

Equifax has a history of matching wrong records to my credit report. They used to match wrong credit cards, addresses, names, and phone numbers to my files. Each time I needed to file a complain with them. Sometimes it is handled quickly but more often than not, like this time, they don't fix the problem despite that it is so obvious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : 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 XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : KEYBANK has violated my rights. 

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

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 mandates 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. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX, and 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The XXXX XXXX. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA XXXX XXXX : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Payday loan, title loan, personal loan, or advance loan

Sent certified letter re original documentation Service Finance Co XX/XX/year>. No response. Never received anything from XXXX XXXX XXXX. In XX/XX/year> received mail Service Finance would handle my account. Terms XXXX % interest, monthly payments {$250.00} payoff XXXX. Never accepted any of this. They also altered my personal check from XXXX to XXXX. I have contacted them with no success. Original loan {$23000.00}.
Product: Debt collection

Received a call from XXXX XXXXXXXX XXXX today regarding a XXXX  ( yes that's right a XXXX ) car claim. Fairlane Credit is the main creditor. They have tried tactics in the past where this has been XXXX in bankruptcy and the statute of limintations has LONG expired. Yes that's right, 2003 was the repossession date and they are threatening me with legal action and phone calls for this debt that the statute of limitations provides. 

They have tried these tactics in the past as well and now I get this phone call today. They're fishing for information to try to get me to pay on a debt. 

The person at XXXX XXXX XXXX noted to me they are trying to put a XXXX on my taxes or something I didn't understand. 

STOP THE HARRASING PHONE CALLS OVER A XXXX XXXX XXXX DEBT!!!!! 

If you call me again or threaten me with legal action, I will hire an attorney to come after you. PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - NAMES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ADDRESSES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE NUMBERS ARE NOT MINE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.
Product: Debt collection

Dear CFPB I represent a client who settled a debt of XXXX. The client has XXXX and is selling his home. I have tried to no avail to obtain a release for this matter.
Product: Debt collection

I had set up a payment plan with XXXX XXXX XXXX  to pay this account for XXXX a month and the payment plan stopped without my knowledge.
Product: Money transfer, virtual currency, or money service

I tramsfered money from XXXX XXXX acc in too the Venmo acc in the minute of XXXX they first said acc was closed from XXXX when I contect red XXXX they said they have no holds on any acc then they said I have submit my XXXX again XXXX XXXX etc. then the said I own money in another acc I tried paid it off what was owed in another XXXX of XXXX then they said they have hold my money for XXXX then I added another XXXX in acc by mistake then now they said acc in closed
Product: Credit card or prepaid card

I just want to clear that no one is doing any kind of fraudulent activity on my accounts you have my authorization to remove anything other than what I am putting today XX/XX/2019 American express has been giving me the biggest headache Im trying to verify myself I have verified myself over and over you could reach me at XXXX my other numbers are no more longer in service
Product: Credit reporting or other personal consumer reports

I'm furious with how Equifax, XXXX, and XXXX are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards.

Prove theres a valid reason for these inquiries or accounts, or admit you failed. The Equifax data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A.

15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
Product: Credit reporting or other personal consumer reports

I never gave concent to no third party and all my info is incorrect my name address charge off its all fraud I ask for the 1099 they won't provide me and I know they have them I told them these laws and they still don't give me no relief 15 us code 1682 ( 2xi ) ,15us code1666b 12 cfr1026.13,15us code 1635,15us 1681 ,15us code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt XXXX XXXX. I do not have a contract with that company. I have contacted Experian regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters, and complaints to have information removed and it still remains in my credit. Its inaccurate and they continue to remain in my credit : You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 Your Dispute Results are ready. 
XX/XX/2023 Notifications Preferences Select all Mark as read Archive All alert types Sort Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX  You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX Your FICO Score has decreased by XXXX points. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX has reported your account as over or at your credit limit. 
XXXX XXXXXXXX XXXX  Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXXXXXX XXXX XXXXXXXX got a copy of your Experian Credit Report. 
XXXX XXXXXXXX XXXX Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXX XXXX Your Address Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Address Dispute has been updated. 
XX/XX/2023 You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/20XXXX XXXX