23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally lodge a complaint regarding the wrongful foreclosure of my home. My account has been marred by multiple violations and irregularities, which I believe warrant your urgent attention. Below, I outline the key issues that have contributed to this unjust situation : 1. Application Completeness Notification : We were never informed whether our application for loan modification was complete or incomplete, leaving us in the dark about our eligibility for assistance.

2. Net Present Value Calculation : There was no calculation of Net Present Value ( NPV ) conducted to determine our qualification for a loan modification. This is a crucial step in evaluating our case, and its absence indicates a lack of due diligence on the lenders part.

3. Bankruptcy Motion Notification : Prior to the auction sale, the trustee was notified of our motion to reopen Bankruptcy case # XXXX with the Central District Court XXXX This should have halted any foreclosure proceedings.

4. CARES Act Violations : We have been charged fees that are in direct violation of the CARES Act, which was enacted to protect homeowners during the pandemic.

5. Overcharging for Services : Our account has been overcharged for services and fees that fall outside the terms of our loan agreement, exacerbating our financial distress.

6. Dual Tracking Practices : Despite submitting a Request for Mortgage Assistance, foreclosure activities were not halted. This dual tracking practice is not only unethical but also illegal.

7. Unreasonable Fees : We have incurred unreasonable fees charged to our mortgage account, which we believe are unjustifiable.

8. 2009 Payment Application Issues : In 2009, our payments were not properly applied, and despite our requests for a review, no action was taken to rectify the situation.

9. Foreclosure Rights : The current foreclosing party has no legitimate right to foreclose on our property, as the notice of sale was filed prior to the transfer or assignment of mortgage. 

Given these serious concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. We are seeking restitution for the damages incurred due to these violations and hope to resolve this issue promptly. 
Thank you for your attention to this urgent matter. I look forward to your response.
Product: Mortgage

Please refer to previous complaint where Loan Care is stating that they are not responsible for this complaint ( XXXX ) dated XX/XX/XXXX. However, I received there response on XX/XX/XXXX that they did acknowledge my complaint. The response is being sent to the sold property. I also want to address my concern once again on question # 3 of their response. HOW CAN SOMEONE PUT MONEY IN AN ESCROW ACCOUNT WITHOUT MY KNOWLEDGE AND BUY THE HOUSE 2 DAYS LATER? Also, who was the letter addressed to regarding authorizing someone to perform an activity on my account ; dated XXXX XXXX ; after the house was supposed to be sold. It is considered MORTGAGE FRAUD.when a third party put money in an account while the owner is still in the house and before the sale, so I want my complaint addressed correctly to explained how can a house be foreclosed without talking with the lender after a transfer ; even though it was a continued trustee sale. This sale was on behalf of XXXX sated XXXX not Loan Care, so Loan Care or XXXX XXXXl should not have accepted money for this account until they had allowed the owner to correct the account, participate in the sale or do a short sale at least. Also, is XXXX XXXX really a company because they are not responding on their letter head but they have the sole rights to the loan? My complaint has been sent to other agencies but Loan Care is contradicting themselves by saying that they are not responsible when in fact they are responding to my complaint. Please assist in resolving my concern while my letters are still being sent to a SOLD PROPERTY address. If I am not in your system, then stop sending me form letters and address me as a former owner.
Product: Student loan

I already had a case with the CFPB board. It was number XXXX and I was dealing with Wells Fargo. They have not been able to get a check to me since XXXX of 2019 way before Covid 19 hit began. The kicker is that your company was involved and they sent me a check and it BOUNCED and now I have to pay a {$20.00} for their incompetence and they still have NOT paid me. This is the craziest thing to me that a XXXX dollar company can not ensure that a check is given to me. I even contacted their representative AGAIN and crickets. NO ONE takes responsibility at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 Responded to a Wells Fargo credit card VISA offer online using mynewcard. The mailed solicitation provided a reservation number for the application allowing for minimal personal inputs to submit the form. The letter implied automatic approval. I have multiple checking and savings accounts with Wells Fargo bank. Within 5 minutes, I received an email identifying that my application was denied. The next morning I received a text message from a phone number, that I have verified originated with VISA Wells Fargo. The message states that 2 fraudulent charges have been charged to my credit card, ending in XXXX. If the card application was denied, why is there any Wells Fargo credit card associated with my telephone number? 

This is the message : XXXX : Verify Wells Fargo activity. Card XXXX {$22.00} @ XXXX XXXX {$10.00} @ XXXXXXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs. 
1 ) I did not authorize Wells Fargo VISA to make any test charges 2 ) I believe {$22.00} is Social Security Administration. 
3 ) I do not recognize XXXXXXXX XXXX  4 ) Wells Fargo VISA did make a hard credit inquiry, as I got a warning from my credit monitoring system. 
5 ) I have not had a credit card with Wells Fargo for more than 3 years, so I do not know where the 4 ending digits are associated with ; At that time I requested that ALL credit card accounts be closed and received notification from Wells Fargo VISA that the accounts had been closed. The numbers do not match any bank account that I have. 

I have been on the phone with VISA Wells Fargo for the past 30 minutes : XXXX. It is Friday, a normal business day. The front office associate is not able to connect to their executive office or their Fraud department to help explain what is going on. If this is the 'efficiency ' of the Wells Fargo VISA  credit.
Product: Credit card or prepaid card

I went to use my MD unemployment debit card the week before XXXX. Checking the balance before going shopping I noticed a {$1000.00} withdrawal that I didn't make. I contacted BK of America to see what the issue was. It was obviously a fraudulent withdrawal. They closed my card, started a claim and immediately send me another card. When trying to activate that card I found that card to be closed as well. I had money in my unemployment debit card over the amount of the {$1000.00}. That money plus additional benefits for 2 weeks are sitting in my account, not being able to be used. So I am without the fraudulent withdrawal of {$1000.00} plus other benefits. 
On Saturday, XX/XX/2021 I received a letter from BK of America stating the claim had been closed and they believe the claim had been the subject of suspicious activity. I did not take this money out of my account. I only used ATM 's to withdraw from this account and have never withdrawn more then {$300.00} at any ATM. I asked them to re-open the claim. 
I need help as now my money is frozen and have lost the {$1000.00} to fraud. Until this issue is resolved the extention of PU benefits that I qualify for are in jeopardy as well. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. Upon discovering this fraudulent account, I contacted the associated bank, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Equifax credit report. The bank has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

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

i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 XXXX notified me that my credit score dropped XXXX points and that I had a Hard Inquiry from Capitol One Bank for a credit/bank account. I called XXXX to have that inquiry removed from my report as I do not recognize it nor do I have any accounts/affiliation with Capitol One. Then I called Capitol One and was transferrred to the Fraud Department where the representative " checked everywhere '' and confirmed that Capitol One doesn't have any accounts being opened in my name or using my social security number. The representative at Capitol One stated that contacting the credit bureau should be my next step. Which I had did first. Additionally, XXXX recommended that I file a police report with the FTC and that has led me here to the CFPB. 
XXXX 's representative did state that they would have the hard inquiry removed from my report within 24 - 72 hours. It appears that the hard inquiry was a mistake on Capitol One 's end and hopefully will be remedied soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on Equifax that I do not recognize. This is fraud since I did not consent to this. I have filed a dispute with Equifax saying that the inquiry is fraud yet they continue to report the inquiry. 

I demand under FCRA : Section 604 : XXXX Permissible Purpose XXXX. My written authorization XXXX. Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX REMOVE need to remove this inquired as a Request because its a fraudulent inquired on my name. 
FACTUAL - XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX TRANSUNION REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

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

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, XXXX.
Product: Credit card or prepaid card

In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX  in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX  a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.
Product: Prepaid card

I applied for PA unemployment for the first time ever after being let go from my employer XX/XX/XXXX. I was issued a Money Network debit card for my unemployment benefits to be issued. I was allowing the funds to build then i would transfer to my bank account and pay my monthly bills. 
On XX/XX/XXXX, I went to transfer funds from the Money Network card to my account and noticed {$1000.00} was missing from my balance. I immediately researched this and noticed my external transfer account was no longer my account with XXXX XXXX and XXXX XXXX, the information on the external transfer page was changed. I looked up the routing number and it was for XXXX XXXX XXXX in XXXX. I have never banked with XXXX XXXX. So, I immediately called Money Network closed the card and filed a dispute. I was told to contact US Treasury, PA unemployment and file a police report with my local police department. I did all of that on XX/XX/XXXX, and since then i have been in communication weekly to try to retrieve my stolen funds. 
My concern is that Money Network indicated that a transfer of funds takes about 2 days to reach your bank and i contacted them within the time frame that they should've been able to stop the transfer but did not. I received a letter from them indicating my dispute was closed and the funds were deposited to me. I then, called them and filed an appeal since the Officer handling my case informed me that this was in fact fraud and i never received the funds, they went to a bank that was not mine. He was also in process of reaching out for the bank records to prove this. I did ask him to fax the police report to the Money Network Card and he did this. 
On XX/XX/XXXX, the officer called me to indicate that he received the bank records and was hoping to make an arrest in Florida.

I hope they do to avoid this from happening to someone else however, he also mentioned that i most likely wouldn't have my money recouped. This is extremely frustrating since i have a financial working background and do not understand why when i followed all the necessary procedures i am being told that i am out {$1000.00}. 
I am hoping that reaching out will help me understand why i will not be reimbursed. 
Thanks.
Product: Credit reporting or other personal consumer reports

I found discrepancies on my credit report, citing 15 USC 16c-2. Unauthorized inquiries are affecting my credit score. Please have them removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion 1099c, tax transcript from IRS, and proof that XXXX XXXX XXXX finance can not report a charge off that has been claimed on our tax return on my consumer report. Transunion will not delete XXXX XXXX XXXX XXXX from my consumer report, once a 1099c is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent inquiries Synchrony Bank Amazon Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.