23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.
Product: Debt collection

I been a victim of identity theft its been happening for a while now Ive had my phone service changed to other carriers with out my consent, my emails hacked and social medias. Ive had my pay stub app hacked and bank accounts and mail service hacked. Ive made a police report of this happening to me and my wife we have never lived in these states we also have had cars under our names ran and taken out. And even had people arrested with our identity.
Product: Student loan

I had a student loan from 2009

one that was subsidized and one that was unsubsidized. Up until several months ago, I owed around {$20000.00} and had submitted my PSLF information and many of the payments were taken off because I worked for non-profit for over 10 years. Then all of a sudden, I go to look at my student loans because they say they are now transferred over to MOHELA and I owe {$31000.00}. And that my loans were apparently consolidated without my knowledge.
They were transferred to MOHELA from XXXX XXXX and I had no knowledge of all this until the past few months I've been trying to deal with this nightmare and I get no assistance. Also, they have my name written wrong, as if I'm dealing with identity theft.

Can someone please help me with this matter, thank you.
Product: Mortgage

Every year when my insurances on my home is due i pay it on time. never late. but every year i get a threat letter that Quick and Loan shows insurance expired. 

Threat to buy insurance an escrow my account. I can not give proof until i receive the documents back that i have insurance coverage. 

But every year same threat letter stated our records show insurance has expired. Its renew every year! 

Sick of the threat letters of legal action.
Product: Debt or credit management

On XXXX XXXX, XXXX I was served garnishment papers from the American Collection System, INC. In the amount of {$23000.00}. The total judgment is {$11000.00} and the post judgment interest is {$12000.00}. On XX/XX/XXXX my employee check was garnished in the amount of {$590.00}. This debt is 12 years old and has been off my credit report since XXXX. In XXXX I made arangemnts to pay {$50.00} a month since I did not have much money than since I was going through courts for custody. The manager at ACSI said once I made consistant payments for a few months that she would stop the interest payments. A few months go by and I call to talk to the manager and asked if she would stop the payments. She said she could not do that and never told me that she would in the first place. I have talked to many people that she has said the same thing to them. While making the payments the payments went twords that smaller bills, while the larger bill got hit the hardest with interest. Ususally when applying interest it is on the balance and not on every item. So making the monthly payments did not even make a dent on my debt. When I started this the amount was around {$21000.00} in XXXX. 


Before garnishment i called ACSI to see if I could make payment arrangements the manager said she could not make any kind of arrangements until 90 days. On XX/XX/XXXX the manager called me to see if I wanted to make some type of arrangement. She said the garnishment was a one time garnishement. I do have a court date on XX/XX/XXXX. XXXX. 
Prior years I have tried to offer {$10000.00}. to settle this case many years ago and they will not work out anything unless its more than 75 % I feel like this company is taking advantage since I am a single mother. I also feel like my due process right have been violated.
Product: Debt collection

Ive received multiple notices from XXXX XXXX XXXX about an outstanding balance that is not mine. I opened a new account with XXXX with XXXX separate phone lines in XX/XX/XXXX. I received XXXX new phone numbers at the time of purchasing because I didnt have number transfer pins at the time. Within a week I had all my old numbers ported over and all the phone numbers they provided should have been cancelled. I started receiving notices about an unpaid account beginning XX/XX/XXXX. I spoke with XXXX on multiple different occasions and each time I was told that the debt wasnt mine and that I could just ignore it. On XX/XX/XXXX, I received a collection notice from Transworld Systems Inc, a debt collector, stating they are now attempting to collect a debt on behalf of XXXX.
Product: Mortgage

My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.
Product: Checking or savings account

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 process 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: Vehicle loan or lease

The weekend of XX/XX/2022 someone went and got a vehicle in my name. The loan they got was thru Toyota Motor Credit. Upon checking my credit a week later I notices a ton of inquiries on my report and a loan from Toyota Motor Credit in the amount of {$39000.00} the account number is XXXX... This is not mine I did not purchases a car, I have been fighting with toyato over this for months now. I file a police report and sent it to Toyota .I have spoke with several people at Toyota and each time it a different outcome.In XXXX I spoke with them and they said that the investigation was in process and that they sent a request to the credit bureaus to be remove. Monday XX/XX/2022 I call toyota again after seeing that it is still appearing on my credit report. When I talk to them they told that they cant prove if it mine or if it was fraud,, This is total XXXX. Now there is XXXX late payments on my credit that is effecting my score. I have sent in everything proving this wasnt me and all the calls to them and im getting no where with them.. I need your help in resolving this matter. I should not have to go thru all this just because I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous CFPB compliant EQUIFAX stated the collection account XXXX XXXX XXXX was deleted from the report in its response ( report has been attached ) EQUIFAX then removed said account and less than seven days later placed said account back on my credit file dropping my score again even lower than when the initial CFPB report was filed. So now after a dispute and a CFPB compliant EQUIFAX knowingly gave false information which resulted in an adverse response to secure housing for my family. This agency continues to remove then add back this particular INACCURATE debt this dropping my score significantly each time they have done this ( now three times ) which has an extreme adverse reaction and is detrimental to my financial wellbeing. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Equifax stated everything was complete and this was removed. But how is that possible if this is back on my credit file.. the open date, date of last activity and much more is incorrect and completely untrue. And each time they add and remove this account it affects my score DRASTICALLY ( now three times ) which is causing serious hardship and affecting my livelihood. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly 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 items 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. DELETE ALL ACOUNTS LISTED ABOVE
Product: Checking or savings account

I reported fraud charges to Bank of America and initially the funds were credited back to my account but then they reversed the charges and left my account in the negative. They also closed my account without discussing it with me. I have explained to Bank of America what happened with my debit cards being stolen and someone charging thingsw to my account without my consent. They advertise ZERO fraud liability but they definitely made me liable for these charges. I no longer have access to the account and can not access direct deposits being sent to the account. I can't stop the direct deposit because it's coming from the IRS. I would like the fraud claims to be handled, the negative balance to be removed and money placed back in my account, and I would like to be able to access the account to receive my direct deposit.
Product: Debt collection

Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had sales of over {$700.00}, Square says they cant find my transactions, but all of the transactions went through on my side.
Product: Credit reporting

I have disputed XXXX a collection item on my credit called, XXXX XXXX XXXX with Equifax. However, Equifax results of the investigation were that the collection item belonged to me. On XX/XX/2015, I disputed the collection item pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ). However, two days later Equifax came back and stated the item belongs to me. Equifax failed to provide me with the request information pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaza Service # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting or other personal consumer reports

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these items are not correct please remove them.
Product: Vehicle loan or lease

On XX/XX/XXXX my car was repossessed.. 
When I set up arrangements and they stated I didn't. There was repossession fee of XXXX XXXX dollars storage fee each day it was storage.Also, a XXXX dollars possess fee. This is unlawful practices!!
Product: Credit card

On XXXX XXXX, XXXX, I faxed the attached FCBA dispute to Discover. Discover never acknowledged it by the mandatory deadline, or resolved it, as required by FCBA. On XXXX XXXX, XXXX, I contacted XXXX XXXX in Discover 's Exec. Office of Customer Advocacy about getting a {$50.00} refund, as required by FCBA. He never addressed my issue. In XXXX XXXX, I called XXXX XXXX in Discover 's Exec. Office of Customer Advocacy. He promised to follow up with XXXX XXXX. However, he instead left XXXX vague messages on my answering machine. On XXXX XXXX, XXXX, he sent me a letter, requesting " more information ''. XXXX XXXX had the " information '' he needed. XXXX XXXX ignored my follow-up questions as to whether he consulted XXXX XXXX, as he had promised. Discover has stonewalled for 7 months on issuing my {$50.00} refund.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Demand for Removal of Unverified Debt from My Credit Report To Whom It May Concern, I am writing to address your continued reporting of an alleged debt to the credit bureaus, despite your failure to provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ).

I submitted a formal validation of debt request under the FDCPA. To assist in verifying my identity, I provided : A copy of my Social Security card A copy of my drivers license Despite having all the necessary information to verify my identity and investigate the alleged debt, your agency has failed to provide adequate validation or supporting documentation confirming the validity of this debt. Instead a response indicating your inability to verify my identity.

Under 15 U.S. Code 1692g ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease collection activities and provide verification of the debt before resuming. This includes : Providing evidence of the original creditor 's ownership of the debt. 
Showing the exact amount owed, including itemized fees. 
Establishing a clear chain of custody of the debt. 
wet signature of debt on original contract. 

The inability to validate the alleged debt demonstrates that the reporting of this account is inaccurate and unlawful. As such, I am formally requesting that your agency : Immediately remove the alleged debt from my credit report with XXXX, XXXX, and XXXX. 
Cease all collection activities related to this unvalidated debt. 
Provide written confirmation that the account has been deleted from my credit report. 
Failure to comply with this request will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office for violations of federal law. Additionally, I reserve the right to pursue further legal action for damages caused by your negligent and unlawful reporting. 

Letter from collection agency attached and letter that I originally sent with my request to them.
Product: Money transfer, virtual currency, or money service

My XXXX access was restricted due to an individual filing a false report. I called the bank to have my XXXX reactivated. I was told in order to have my XXXX reactivated I need to contact the person whom filed the false report and advise them to let their bank know that the report was false. I advised my Bank WellsFargo I do not have that person updated contact information and can not get in contact. I also provided WellsFargo proof of the payments I received in my account. 

Personally I think its a little absurd to request someone to contact an individual who filing false reports and conducting in fraudulent activity. 

Ive been with this bank for XXXX years and Im feeling under appreciated as a costumer at this point. 

The last calls made to have to rectify the matter was XX/XX/year> where I spent almost XXXX hours on the phone between several reps and waiting times. I was even advised to contact XXXX directly to gain access, in which they advised me the bank is the only entity with that authority to reinstate the XXXX for the bank. I will add I advised WellsFargo rep this information before I called XXXX, and had to end up calling WellsFargo right back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute dated XX/XX/2024 regarding the blatant errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Product: Credit reporting or other personal consumer reports

There have been applications made in my name that I did not authorize, recognize, or apply for. These fraudulent inquiries led to companies pulling my credit report, which has negatively impacted my credit score. I previously contacted the bureau, and a representative assured me these inquiries would be removed, yet they still appear on my report. This ongoing issue is causing unnecessary stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Payday loan, title loan, personal loan, or advance loan

I had an installment loan under my name that was taken out for my ex husband. I paid for it for quite some time then I couldnt manage the payments. There was less than {$2000.00} remaining and I tried to negotiate the loan to a smaller amount or longer time to pay off the loan. Ener bank denied both. They have written off this loan but keep on adding fees to it to the long where now the amount I owe is over {$5000.00}. I also had someone from Enerbank come to my house one time when I wasnt home and was yelling at the person that answered the door and he threatened to take legal action against me. This was a very scary situation for people in my home. I want to come to a reasonable amount below {$2000.00} to pay off the loan. I am a single parent and I take care of my old mother and young child that is ready to go to college. I want to do the right thing but need help with the reduced amount and payment terms
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached identity theft report for accounts that have been reported to the FTC as identity theft