23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Money transfers

Posted Bedroom furniture on XXXX for {$1000.00} ( XXXX/XXXX/16 ). Was contacted by XXXX XXXX XXXX. He said was on assignment on XXXX. Would have assistant send money order for {$1000.00} to cover furniture + {$40.00} to hold. Later notified that assistant made mistake sending XXXX {$980.00} money orders ( MoneyGram XXXX and XXXX ) instead of XXXX for {$1000.00}. He asked if I could send change of {$930.00}. I was suspicious, but when I took money orders to XXXX XXXX branch ( XXXX/XXXX/16 ) in XXXX XXXX, NJ was told by cashier ( XXXX ) that the money orders were " good '', " same as cash. '' I made the mistake of believing the cashier. I sent a MoneyGram money order to XXXX XXXX XXXX in the XXXX ( MoneyGram Reference XXXX, XXXX/XXXX/16 ). On XXXX/XXXX/16 XXXX XXXX returned both deposited money orders as " fictitious. '' I went to XXXX XXXX and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). I contacted MoneyGram and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). MoneyGram case XXXX. XXXX told me I should contact the local police. I filed a police report with the XXXX XXXX police ( XXXX/XXXX/16 ).
Product: Bank account or service

Consumer filled out the opt-out form for overdraft protection with Wells Fargo Bank of all debit card transactions ; however, Wells Fargo has cleared a debit payment that should have been declined. I am in the process of moving, every thing is hectic, and I forgot to change the due date for this auto pay. Under normal circumstances, this transaction would have been declined and not cleared. This has caused an overdraft fee and overdraft of my account which would have a balance if this illegal transaction had not gone through. Wells Fargo refuses to reverse the transaction, stating that Wells Fargo has the option of paying the transaction even though I have filled out an opt-out form. What is the use of this form when Wells Fargo will not honor it.
Product: Mortgage

Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect in XXXX of XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into tUnemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.
Product: Debt collection

Diversified Collection Agency states that I have an alleged debt with them for a XXXX XXXX Account int he amount of {$1000.00}. I have disputed this alleged debt several times since XX/2016,X/2016,X/2016,X/2016. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. During this validation process, please cease and desist any attempts to collect this alleged debt and remove and or delete any negative marks from all three major credit bureaus ( XXXX, XXXX, XXXX ).
Product: Credit reporting or other personal consumer reports

Multi people have had used my personal information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even 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 There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX home loan under my XXXX XXXX XXXX XXXX XXXX. XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX for drug trafficking stolen cell phones under my information XXXXXXXX XXXX XXXX
Product: Debt collection

this collection company is trying to collect money i do not owe to an insurance company. it is on my credit report as derogatory info.
Product: Credit reporting or other personal consumer reports

Upon review of my most recent credit report I noticed credit inquiries with ( XXXX, TransUnion XXXX XXXX ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed 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 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: Mortgage

I applied for mortgage relief in XXXX due to loss of income related to COVID 19. After several months and getting the VA involved, the loan modification was approved but added a second mortgage and ten additional years tof payments o my mortgage account. I went into foreclosure this year, unbeknownst to me, because XXXX  was returning my payments. I finally got this settled and got my loan reinstated only to be hit with an escrow analysis and {$600.00} mortgage payment increase. US Bank, the mortgage company, is attributing the {$600.00} per month increase to the homeowners insurance company, USAA. The premium increased by {$2500.00}, from {$5000.00} to {$7600.00}. If I do the math, this is an increase of {$210.00} per month for the annual increase of {$2500.00}. I do not pay property taxes because of my XXXX  disability rating. Neither company has adequately explained to me why my mortgage increased by {$480.00}, from {$1700.00} to {$2200.00}. Furthermore, my account was reinstated in XXXX and the escrow was analyzed in XXXX. Im being told my mortgage escrow account will be reanalyzed again in XXXX. I closed on the house in XX/XX/XXXX and my escrow is usually analyzed in XXXX. I am not sure why the escrow account is being analyzed multiple times per year. The analysis impact my monthly payments which is a big deal for me right now. Furthermore, I feel as if XXXX and US Bank are in cahoots with each other since XXXX referred me to US Bank for my mortgage when I initially started this process. When I asked XXXX what the rebuild estimate was based on, I was told the characteristics of my home not the market value. This makes no sense to me since no homes in my neighborhood are priced at $ XXXX. I dont understand how the rebuild price is more than a new build price for a nighborhood with homes ranging in price from $ XXXX to $ XXXX. I also asked if my home were to be a total loss today, would XXXX pay me the insurance value or the value of what was owed on my home and I was told the rebuild value but dont believe that response. Consumers should be able to decline insurance premiums over and above what they owe on their mortgages.
Product: Debt collection

I was checking my credit report and saw that I had a collection on my account from Midland Funding LLC saying I owed a debt of {$1400.00} from a XXXX XXXX credit account. I have never had a credit account with XXXX XXXX ever. I tried to dispute it through credit karma but have not been able to have it removed. I have never received a validation of debt or anything like that. I have never even been contacted by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, an inquiry was made by XXXX XXXX and Wells Fargo Dealer S that i did not authorize or recognize.
Product: Credit reporting, credit repair services, 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 - XXXXXXXX XXXX XXXXXXXX Account - XXXX XXXXXXXX Account - XXXX XXXXXXXX Account - XXXX XXXXXXXX Account - XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account - XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXX Account- XXXX XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX XXXX XXXXXXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX IL XXXX Address 3 : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. I have also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX
Product: Mortgage

XX/XX/XXXX-Emailed origin bank the then current servicer of mortgage to request payoff statemnt for XX/XX/XXXX XX/XX/XXXX-Called origin bank to check up on issue-they said that it takes 48 hours XX/XX/XXXX-Called Providence financial the new servicer of mortgage to request payoff statement-said loan is not in computer now so they can not give me XXXX XXXX XXXX origin bank -- they said to call Providence financial and talk to supervisor since they do not service bank XX/XX/XXXX-Providence financial told my husband that it would be in the computer by end of day, they told me that it woudl be in there by noon on Tuesday XX/XX/XXXX XXXX-Closed on house, no longer the owner of home but still paying on house XX/XX/XXXX-XXXX Not in computer, called PRovidence financial again and they said that it may be in computer by friday. Asked to speak to supervisor who was rude and said it was my fault and there is nothing they can do. Continuing to lose money because pay off date is moving farther out and do not have funds to make other purchases.
Product: Checking or savings account

Citibank XXXX XXXX I am trying to transfer money from my saving account to my husband account since last 10 days. We both have citibank accounts. However, citibank is not letting me transfer money from account. They are randomly calling for security verification from potential span number. After calling them back to their official numbers several times ( several hours ) and verifying all details, my money still was not able to transfer. We needed the money for closing a house. We are really annoyed and once the money is transferred, we will close all our citibank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked in to my credit report and notice that a company called XXXX XXXX XXXX XXXX is reporting missed payments I do not know the company and ask for Experian to verify company but there lack of effort in to looking in to the matter was pointless due to them hitting a button saying verify when they have yet to show proof of documents to me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with drug possession that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Product: Mortgage

Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Transunion. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXXonsumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section XXXX. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I files this complaint earlier : In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions. 

Equifax ' response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : XXXX XXXX XXXX ( SUPPORT XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
This investigation failed to provide me with the initial proof of debt collection i earlier requested which is : 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida.
Product: Mortgage

The sold my mortgage on me and sent my payments back and now the hole foreclosure is so messed up no one wants to deal with it. 

They had me paying eight different companies over a two year period and my balance went up instead of down
Product: Student loan

My loan was serviced by Navient and beginning in 2009 i spoke with a counselor about my options. I provided information over the phone and was told my monthy payment would be around XXXX a month. My original loan amount was around XXXX. I was living in California and they encouraged me into forbearance for many years. I went through a loan rehab program with those feeds added to my balance. I came to find out that i was NEVER in an incomed based repayment plan. 

I have struggled to pay this amount and once when i missed a monthly payment which i called about and was told my note would not increase that it would just be added to the end my note was increased to around XXXX. 

I feel as though this was planned at the most and misinformation at the least. 

I asked for details many times and was never able to get anything other than a balance which as ballooned to XXXX.
Product: Debt collection

All the debt they are trying to collect are not mine and continue to text call and send messages multiple times a day