23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After 6 months of submitting applications with all my tax returns, bank statements, and all the many documents required XXXX times over, Wells Fargo Bank is moving towards foreclosure on my property. After making the payments required to test me, which were all returned to me, Wells Fargo Bank reneged on their contractual agreement with me in order to go to foreclosure as fast as possible. This is called bank mortgage fraud against the victim myself as the borrower. The reason Wells Fargo Bank is doing this is that they know the value of the property exceeds the loan amount so they do not wish to try to give me a remodification agreement. It is easier to just make themselves whole and XXXX me. The property in name is XXXX XXXX XXXX XXXX. # XXXX XXXX, CA. XXXX. I have had XXXX of phone calls conversations and messages to them. Please help me.
Product: Student loan

For the past week it has been nearly impossible to access the account to check balances, make payments, monitor interest, etc. The login page loads almost immediately, but when trying to go any further the page either does not load or it kicks back to the login page. This is not due to incorrect account information, it is the system itself that will not load. The only thing I've found successful is to try at multiple times through the day, and OCCASIONALLY I can make it through after about 20-30 attempts. This is ridiculous, especially from the " Official Service Provider for Federal Aid ''.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, Transunion, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor Transunion nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies Transunion XXXX and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called Transunion department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, XXXX and Transunion and it is NOT
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lexis Nexis for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S. Code 1681s2 ( a ). The details of my dispute and the events leading to this complaint are as follows : On XX/XX/2023, I submitted a " Dispute and Request for Verification of Bankruptcy XXXX under FCRA XXXX ( a ) ( XXXX ) '' letter to Lexis Nexis. This letter was accompanied by my valid ID and current utility bill. The correspondence was sent via certified mail, and the United States XXXX XXXX verified its receipt on XX/XX/2023, with tracking number XXXX. 

Despite the certified mail confirmation, Lexis Nexis claims to have reached out to me via email on XX/XX/2023. To my knowledge, no such email was received, and considering that all necessary documents were sent on XX/XX/2023, there should have been no need for additional verification of my identity. 

It appears that Lexis Nexis is reluctant to provide the information I requested regarding the verification of the alleged bankruptcy, specifically, the details of whom they verified the bankruptcy with at the US Bankruptcy Court. 

In a letter dated XX/XX/2023, Lexis Nexis informed me that I could access my Lexis Nexis consumer report. However, upon attempting to do so and entering the provided PIN, I encountered technical difficulties as the PIN did not work. 

As of today, XX/XX/2023, a second letter " Dispute and Request for Verification of Bankruptcy Information under FCRA XXXX ( a ) ( XXXX ) '' is being sent via XXXX XXXX Mail with Tracking ID # XXXX. Enclosed are my valid ID and XXXX XXXX XXXX. I am also requesting the unverified information to be deleted immediately. 

I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the FCRA by failing to respond adequately to my dispute, requesting unnecessary verification, and providing inaccurate or inaccessible consumer report information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Lexis Nexis for potential violations of my rights under the FCRA, specifically under 15 U.S. Code 1681s2 ( a ). If necessary, I am prepared to pursue legal action to rectify these violations. 

Enclosed with this letter, please find a copy of the original dispute letter, certified mail receipt, tracking information, the letter from Lexis Nexis dated XX/XX/2023, and the second dispute letter with its corresponding certified mail receipt and tracking information. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit card is issued by USAA ... I also have it linked to my checking account for overdraft protection.. .. 

MY MISTAKE .. {$1900.00} taken out on XX/XX/XXXX .... I immediately paid the monies back to the bank very next day XXXX I also made sure to make my required payment. AND made sure there were no new charges or overdrafts ... 

I have 0 % balance on monies already on the card. Each month afterwards they have been applying about 40 % of any ADDITIONAL payments I make to the 18.6 % credit balance and NOT the entire extra payments. This has lead me to be charged interest each subsequent month. I have called in about this several times to no avail. 

I do NOT make extra charges against the account. NOT getting more overdrafts and my extra payments are several $ 100s of dollars In fact XXXX extra payment totaled {$900.00} and XXXX payment total {$2000.00}. I called USAA XXXX months in a row. Asked them if they understood The Credit Card Accountability, Responsibility and Disclosure Act of 2009 and that my extra payments are supposed to go towards the highest payment amount. Was told that only a portion has to go towards highest interest as long as I had a balance on the card .. even though that balance is 0 %. They are aware am not making any new charges! 

I gave them a chance to correct the problem and was told that they will continue to split my EXTRA monthly payments as they see fit. Requesting this stop and ALL interest be refunded back to me. Have been instructed by the USAA Agent that my account has been noted.
Product: Checking or savings account

I had a checking and savings account with Wells Fargo. I was induced into opening them in branch by a representative who highly recommended that I open the account even if I didn't need it since the were no fees whatsoever. I followed his recommendation. Later I learned the bank had drained my account by taking {$25.00} per month out for service fees and charged over draft charges after they had taken all of my money. I called Wells Fargo for assitance and they did not return my calls. Today I spoke again to XXXX in their customer Redress Department who refused to assist. I never received a claim form.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKSYSTEMS ... ... THEY HAVE ACCOUNTS LISTED THAT MAKE IT HARD TO APPLY AND GET BACK ON TRACK CAUSE OF THE WAY THEY LIST THINGS OR THEY DONT CARE OR THEY ARE RIPPING ME OF MY AVANTAGE OF GETTING BACK ON MY LIFE .. THEY ARE REPORTING ACCOUNTS WRONGFULY AND MAKING MY LIFE HARD I DONT APPRECIATE THE WAY THEY MAKE ME LOOK BAD OR LOOK LIKE I CANT HANDLE LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting that I have two outstanding loan balances through XXXX  XXXX XXXX-XXXX  as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter XXXX was able to give me ) and my StudentDataDocument from the National Student Loan Data System - both showing I have a XXXX balance for all my student loan accounts. 

TransUnion has denied both my disputes saying the information being reported is correct. They have documentation showing XXXX " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, XXXX, they are showing they have not reported anything to TransUnion since XX/XX/XXXX. 

When I call TransUnion they say that XXXX is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if TransUnion is wrong or XXXX is wrong but the information being reported on my TransUnion credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called TransUnion and XXXX multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I can have a freeze placed on my credit for free. I have gone to the major credit reporting agencies to do that. On Equifax 's website, I have to create an account before I can place a freeze electronically ( there's no way I'm giving my social security number over the phone and I'm definitely not printing it off and sending it through the mail service ). In order to create an account with Equifax, I have to agree to their terms of service, which, besides potentially changing at any time, require that I agree to Equifax selling my personal information ( see here : https : //www.equifax.com/terms/myequifaxterms/ ). This is not acceptable. Legally, Equifax is required to allow my to place a freeze electronically without charging me, correct? While not asking explicitly for legal tender, requiring me to allow them to sell my personal information is a cost to me and I believe violates my right to a free credit freeze. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX Sincerely XXXX XXXX
Product: Debt collection

I am not liable for this debt with Wakefield and Associates, I do not have a contract with this company. I still have not been provided with a contract with my signature stating this is my debt The balance amount is {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Experian 's continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

I am reporting a violation of the Fair Credit Reporting Act Willfully and recklessly reporting false information after being notified of the problem and failing to investigate or correct the problem. I recommend the highest maximum fine for this indiscretion and that the the unverified items be deleted immediately! 

They have not verified anything! I have letters from the debtor which clears me of this amount reading " past due on my file ''
Product: Credit card or prepaid card

I received statement of account ending in XXXX from Discover on XX/XX/XXXX. I never applied for nor received any account from Discover since I paid in full and closed my account. I put security freeze on my account with all the major financial institution to make it impossible for any company from opening any account on my name. I do not apply for any account from from Discover. Discover is sending me statement of account I did not open from them. I want Discover to stop sending any statement to me and if Discover opened any unauthorized account on my name, it should please close such an account. I do not have any account with Discover as such it should remove my name from the list of its customers. 
I do no want further contact by the Discover credit card. 
Discover should not open or operate any account on my name. I had earlier reported my complaint with XXXX XXXX XXXX  ; I only received acknowledgement. I do not want to wait for Discover to contact me again.
Product: Checking or savings account

On XX/XX/XXXX I realized after logging into my Chase online banking that one of the balances in my accounts was lower than it should have been then opening that account I realized a wire in the amount of {$160000.00} was sent to an account within XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX located in XXXX Arizona. This is a company I do not know nor did I send the wire. I immediately went to Chase and changed all of my bank accounts and cancelled any online access to ensure nothing else could be taken from the account. I then find out within 48 hours that my cell phone has been hacked and the date it was hacked was XX/XX/XXXX the same day the monies were wired out from my bank account. It just so happens this was the same day that I had downloaded a mobile application from XXXX which I signed up for to protect me against Identity-Theft strangely their headquarters is located in Arizona the same place my monies were stolen from me and sent too to a corporation XXXX XXXX XXXX XXXX is also located and was formed a month prior to this all happening to me. I dont believe this was all a coincidence. Somehow me signing up with XXXX started a chain of events which ended in someone stealing my identity and wiring money out of my bank account. These monies have not been replaced and I after filing police reports, reporting with the FTC and DA And Chase Fraud department I still feel like no one is really helping or giving me any answers. No one can tell me anything except sorry we have done all we can do.. Tis is not an acceptable answer when monies that have taken me years to save up are now gone from my bank account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, MA XXXXXX/XX/XXXXDear Sir/ MadamTo Whom it may CorncernAm writing to you to dispute a collection on my credit report. 
In XXXX or XX/XX/XXXX I called my cell phone company XXXX to cancel my service as I could not get service at my palce of residence. We agreed to cancel the contract after I had sent them my lease and other documents. I did that. 
On XX/XX/XXXX I got a call to join the united states XXXX which I did. I was originally scheduled for XX/XX/XXXX. For four months I was away and had no access to my mail. 
When I came back I found out that my cell phone provider had taken me to collections. 
The said amount was for {$450.00}. I called the provider up and disputed it. 

From the dispute it came to my knowledge thatXXXX. The said documents the requested for never got to them. That was corrected and there for they waived about {$300.00} which was for the equipment ( phone ). 
XXXX. In light of that I paid half of the remaining balance to the provider. ( XXXX ) XXXX. I was also assured the the credit reporting agencies will be duly notified and the necessary corrections be made on my credit report. It is rather unfortunate that it has not being done. 


Am writing to you to dispute this record as it 's affecting my ability to get credit. 
Please kindly give me a call to rectify this situation XXXX
Product: Credit reporting or other personal consumer reports

I opened this credit card in XX/XX/2019, just before the onset of the pandemic. I have consistently maintained a good payment history once you review my history. Unfortunately, I encountered financial difficulties and was unable to keep up with the monthly payments, which led to falling behind. I reached a settlement agreement with Goldman Sachs, resulting in a charge-off of {$1300.00}, which I paid on the same day we finalized the settlement XXXX XXXX during our discussion with Goldman Sachs Apple credit card, we also agreed that upon full payment, the late payments would be removed, and my credit report would be updated to reflect on-time payments, eliminating the negative marks. Since then, I have provided proof of payment, but the agreed-upon changes have not yet been implemented.
Product: Mortgage

In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.
Product: Credit reporting or other personal consumer reports

I did not approve the inquiry. There has been no communication between me and the lender on the specified date.
Product: Debt collection

NOTICE AND WARNING TO AFFIRM FOR FAILURE TO DISCHARGE ALL DEBTS PURSUANT TO HJR 192, PUBLIC LAW 73-10 AND TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I dont not consent to e-Oscar verification. It is FACT that XXXX is engaged in trust actions with regards to loan XXXX. By claiming I, beneficiary, owe a debt, XXXX is in violation of 15 USC 1692B ( 2 ). My duty as beneficiary is to keep records and report to the IRS in case of trust fraud suspicion. I am suspicious of XXXX and their management of my private data elements. XXXX is trustee in this matter in their fiduciary capacity XXXX should correct ALL records accordingly INCLUDING the removal of ALL negative remarks reported to third parties. This is NOT a request for verification or proof of my mailing address. I respectfully request your offices provide me with competent legal evidence that i, beneficiary, have any legal obligation to pay you, XXXX, trustee. The misrepresentation of the trustee and beneficiary relationship between us can be rectified. i hereby accept all title rights and interest and instruct XXXX to handle ALL principles balance. The term charged off means XXXX has been paid in reference to loan XXXX.