23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have on numerous conversations, e-mails, and written coorspondence tried to work with my Mortgage Company, Wells Fargo, Mortgage, Home Preservation Specialist, XXXX XXXX, Phone Number XXXX XXXX, regarding loan number XXXX to work out payment options and modifications to assist me with a sudden XXXX Retirement which decreased my income by 66 % and due to a violation of the County Court Im still paying full alimony to my ex-spouse which is at the XXXX Supreme Appeal Court finalizing their decision on XX/XX/XXXX. At which time the alimony discrepancy and monthly pay I currently receive after garnishment will be {$7800.00} a month versus the {$3700.00} a month I am reduced to at the present time plus having to pay legal fees. I have been struggling since XX/XX/XXXX to make house payments and pay required legal fees with 401k withdrawals, selling all valuable assets, etc. I recently contacted the Honorable XXXX XXXX office to request assistance and was advised to speak with a firm that assists with foreclosures. I learned that according to the findings of the foreclosure assistance firm, Wells Fargo has violated several Federal and a State ethical violations in how they processed my first loan modification and the lack of  working with me to avoid foreclosure on a VA loan. Im a XXXXXXXX XXXX XXXX Veteran about to lose my home and be forced to live on the streets because the court process and a extremely incompetent attorney I hired failed to represent me in court for my recent hearing. So Ive had to wait almost 15 months for the Appeal Court to finally rule on this Appeal which will be in support of me from the County Court Order by the Judge violated 3 significant Federal Laws applying to 10 USC,  Colorado Statute for lack of appropriate legal representation, and the awarding of attorney fees in a Alimony case which violates Colorado Law. I just received another letter from the Law Firm of XXXX XXXX XXXX XXXX XXXX, Phone Number XXXX, Representing Attorneys ( XXXX XXXX - Reg No XXXX, XXXX XXXX - Reg No 44900 and XXXX XXXX - Reg No 45482 ) expediting the Foreclosure Process by the request of Wells Fargo with no coordination, or contact made advising me of these actions. Ive tried hard to keep paying my mortgage but with the current financial hardship Im experiencing, which will be resolved in the Fall XXXX timeframe, Wells Fargo has been of no assistance and has on several occasions disconnected my phone calls, avoided calling me back, or trying to work with me on my loan. I currently have a contract which should close this week but with the recent court order I am unaware if I can still sell my property, which Wells Fargo advised me in late XXXX I had until XX/XX/XXXX to work a payoff on my own. In addition, I have been charged legal fees, additional interest, and other fees due to their unethical conduct regarding the support and financial assistance will my mortgage in the amount of approximately {$40000.00}.
Product: Checking or savings account

My bank Simple was purchased by BBVA which was purchased by PNC. I struggled to get them to close the account, but eventually gave up and just transferred my funds out instead. Now they're charging a card associated with a bank that was closed over two years ago and charging me predatory overdraft fees that I never consented to because my money was transferred to them without me ever agreeing to their terms of service. They are even threatening to send me to collections even though this whole mess was caused by their refusal to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 1681. 

MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer Reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer Reporting agency shall - ( I ) promptly delete that item of information fromt the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fromt the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently checked my credit report XXXX  and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )
Product: Credit reporting or other personal consumer reports

Too much inquieres that make my credit score be low Please I need to dispute all the I quiere stray is like 34 inquieres.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry from Capitol One popped up on my credit report allegedly on XXXX which I have no knowledge of whatsoever. Called capital one and they said they have no info about this so they asked me to call the XXXX, XXXX and XXXX directly. I filed a dispute claim with XXXX online but XXXX and XXXX said the Capital One need to send a letter so the hard inquiry disappears from my reports. Tried hardly again to reach Capitol One and after long wait and transfer from multiple departments I was transferred to the application department and literally waited for one hour before giving up.

Need Capital One to contact transion, experion and equifax directly to remove this fradulant hard inquiry made on my behalf which I have no knowlwdge of.
Product: Money transfer, virtual currency, or money service

Purchased an item on ebay and paid with paypal for {$690.00}, ended up canceling with seller, Paypal stated a refund was issued XXXX, however no funds were ever received due to a " guest account '' being used. I used my mastercard debit card, which paypal didn't recognize as a Mastercard they referred to it as a star card that doesn't allow refunds. SEVERAL phone calls were made to Paypal with NO RESOLUTION, paypal made excuse after excuse that they claim i was refunded! I spent hours on hold and i am a truck driver and can not afford to be on hold for those long periods of time. I had to open a dispute with my credit union to get back our money since paypal didn't refund. We receive an email from paypal XX/XX/XXXX stating they apologize for the delayed refund as the refund experienced a " technical difficulty '' and yet I STILL DO NOT HAVE THE FUNDS from XXXX. Luckily the credit union issued a provisional credit. Another phone call revealed funds were in a " guest account '' and when I questioned how can we access the guest account, the reply from the executive of escalations responded with a generic answer of due to the chargeback, we have to wait for the cardholders decision and to call him back, i was never able to reach him and left several messages. XXXX XX/XX/XXXX, 3 months later paypal realized the issue and finally refunded our paypal account. I have all the correspondence from paypal with all the excuses and i feel they have broken reg e regulations and simply didn't assist me, the consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal due to the unjust limitation of my account and the lack of proper communication regarding the issue. 

On XX/XX/XXXX, I contacted PayPal support to confirm whether receiving a payment from XXXX would cause any issues. I was assured that there would be no problems. However, after receiving the payment, my account was suddenly limited without any explanation. 

To make matters worse, I now believe my account has been compromised, as I am unable to log in. Despite multiple attempts to contact PayPal, I have not received a clear reason for the limitation or any assistance in regaining access to my account.

The payment I received through PayPal, {$450.00}, is my monthly income from working as a freelancer, and this is my first time receiving payments through PayPal. Unjustly holding my funds has put me in a difficult financial situation, as I rely on this income to pay for my rent and daily expenses.

This situation has caused significant inconvenience, and as a user, I have the right to : A clear and specific explanation for the account limitation. 
Access to my funds unless there is a valid and justifiable reason for withholding them.

Assistance in recovering my account, especially given my concerns about unauthorized access.

I require immediate access to my funds and request that PayPal promptly review my case, provide a transparent explanation for the restriction, and restore my access without further delay. If this issue is not resolved promptly, I will consider escalating the matter further through legal channels or financial regulatory authorities. 

I urge you to treat this matter with urgency and provide a fair resolution. 
XXXX account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX11XX/XX/XXXX {$4100.00}XX/XX/XXXX XX/XX/XXXX {$4000.00}XX/XX/XXXXXX/XX/XXXX {$3500.00} XX/XX/XXXXXX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$850.00} XXXX XX/XX/XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

The continuous monthly reporting of this charge-off for XXXX misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).
Product: Debt collection

My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to equifax and requested that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. 

In accordance with the Fair Credit Reporting Equifax 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX Address:XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/2022 XXXX XXXX Address:XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/2022 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all inaccurate information that do not belong to me
Product: Credit reporting

I have disputed this account with the credit bureaus on several occasions as well as disputed with XXXX. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Additionally, this company claims I said this was a fraudulent account ; however, you can see in attached documents that I only requested that they indeed prove beyond a reasonable doubt that this account indeed was mine. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report without authorization AMEX Account Number : XXXX This is not mine. 

Identity Theft AMEX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, LVNV, XXXX, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from LVNV stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00}
Product: Mortgage

During XX/XX/XXXX we obtained a line of credit from Morgan Stanley Home Loan ( MSHL ) for the amount of {$200000.00}. We used this line of credit throughout its 10 years period. It matured XX/XX/XXXX. When it matured XX/XX/XXXX, we asked MSHL to give us some time to refinance it and payoff their loan. They did cooperate with us and we did continued making payment on time paying even above the regular payment. 
On XX/XX/XXXX we received a set of loan document from MSHL regarding a new Home equity Line of Credit Modification. The fees were very excessive, we told them that we are not interested in that loan. XX/XX/XXXX we send them a qualified letter ( RESPA 12 U.S.C. Sec. 2605 e ) and requested complete history and documentation for this loan. The reason for this request was that we received a check in the mail for small amount from an attorney for a class action settlement for MSHL misconduct and mishandling mortgage loans. Meanwhile we were making our regular monthly payment timely and sufficiently. 
MSHL after receiving our request RESPA letter, not only did not respond to our RESPA letter sent through certified mail, they transferred the servicing of this loan to XXXX their Collection company. They also stopped accepting our payment. We insisted on making our payment. They refused to take the payment. 
Since then, we have been trying hard to get a complete history of this loan to pay it off. We have not been successful Until a few months ago, we filed a complaint through Consumer Financial Protection Bureau cfpb. Thanks to cfpb we did finally got a satisfactory response to our request on XX/XX/XXXX. 
On XX/XX/XXXX we responded to their response. We brought to their attention a few mistakes in their response and also stated to them that we are ready to settle this loan immediately. The amount of the settlement has to be {$180000.00}. This is the amount of the loan at the time they stopped accepting our payment and were not able to give us a complete loan history according to RESPA law. 
So far we have not received any response to our offer dated XX/XX/XXXX. We are getting automated letter and settlement demand from XXXX for much higher amount. We expect a response to our offer of settlement. We have set aside {$180000.00} for paying off this loan for the past several years. We are still waiting to get a response and fair settlement for the right amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request and continue to violate US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate my right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of Aggravated identity theft of Public Records when the furnisher does not report and also XXXX  XXXX XXXX for inaccurate unverifiable but somehow you still verify something that is not on my report... .make it make sense I have sent you proof several times that this has been deleted and you still violate me XXXX  XXXX Bankruptcy case # XXXX XXXX  XXXX Bankruptcy case # XXXX
Product: Credit card

On XX/XX/year> I was given a fraud warning telling me that I had a transaction in the amount of {$270.00} on a card I have not used in a year. I quickly checked the card and saw that it was used by someone not me. I called Bank of America on XX/XX/year> to submit a claim about the card being fraudulently used. I was then told they would look into it. One day later, I was sent an email stating that they looked into it and that I signed the transaction.

I have not used the card in around a year, and I can confirm I never signed anything.