23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF?
Product: Credit card or prepaid card

I have never been more disappointed in a product I had such high hopes for. As I watch the banner video on this page I can truly say what they claim border on fraud. 

XXXX XXXX ( a part of BBVA Compass ) claims to be servicing the " Expat '' Community but this is the WORST financial product for an Expat. Adding to the already well noted issues about its inability to provide a current reconciled balance ; significant delays in posting direct deposits ; and part-time customer service ; I've now experienced the " security block '' of the card because it was used in multiple cities. While traveling within the US ( my home country ) then even internationally, my card was declined ... there's no 24/7 Customer Service never mind even regular reliable customer service hours where you know you will reach someone ; and when I finally did get someone who could look at the account - they had NO idea why the card was being declined ( side note - literally sounded as if the guy had me on speaker phone in some empty office on the other side of the world which didn't offer much confidence ) ; and it took another 3 or so days to say it was a security check because of the use in multiple cities, and another day to " resolve '' that. They said the card was unlocked, yet when I go to use it - STILL declined ... still not able to reach anyone in customer service.

So as of today I have been out of my home country one week without access to or use of my card. 

No one takes any responsibility for the poor service and even worst execution of this product - all I get are excuses ... 

" The demand for the card was much greater than we expected '' ; " The app is still being developed '' - Perhaps instead of saying we're " Founding Members '' we're actually BETA Testers we should have known this. 
" The security lock is something VISA does '' ; The only actions I've seen XXXX take toward resolving any of the other customer complaints on this forum is that I've noticed now instead of the phone directly going to voicemail, there's a delay, message and some nice music saying they're looking for someone to assist before my calls are sent to voicemail. 

So in summary, I've given this card time and energy to see if it does what it says and in every way imaginable XXXX FAILS to deliver as a product. This is truly an example of " you get what you pay for '' - there are no international transaction fees ... and there's no service or support as well. This card not only grossly underperforms but operates directly contrary to its advertised capabilities. Nothing with it happens in anything close to " current '' status ' and it is FAR from anything close to being convenient for the Expat community. 

Then to see in some of their XXXX page comments obviously scripted exchanges with " customers '' just adds to the concern this is a fraud of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - Chargeoff- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - Late/Closed - XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and illegal reporting of multiple charge-offs on my credit report related to XXXXXXXX XXXX  account XXXX. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as a creditor is legally permitted to charge off an account only once. Any subsequent charge-offs reported for the same account are misleading, inaccurate, and constitute unlawful multiple derogatory listings. 

Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Charge-Off Dates : XX/XX/XXXX Through XX/XX/XXXX According to the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information to consumer reporting agencies are responsible for ensuring that the data they report is accurate, complete, and not misleading. Reporting multiple charge-offs for the same account misrepresents my financial history and negatively impacts my creditworthiness. Furthermore, under Section 623 of the FCRA, the credit bureau is required to investigate and correct any inaccurate information within 30 days of receiving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them. I was told " sorry we don't dispute/delete hard inquires " these inquires are false and not mine. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of two many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones belowXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX RXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK Date Opened : XX/XX/XXXX Amount {$250.00} Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report are we going by the FCRA laws or not? Under XXXX USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on Equifax, XXXX, and XXXX XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX
Product: Vehicle loan or lease

2019 right when XXXX hit many people were out of work and in my line of work as XXXX they decided bot to work with me XXXX shut everything down and being a XXXX  XXXX we have rules in place that support and XXXX XXXX refused to extend my loan nor did they want to work with XXXX on payments the vehicle was taken back and I was out of work due to XXXX  I had no transpiration sine the reclaimed the vehicle, y whole life was ruined and I lost my home drained my XXXX had to maintain XXXX XXXX XXXX XXXX XXXXXXXX XXXX and helping my XXXX  mother and grandmather both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 year apart same moth and a different year
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently there is something negative on my Equifax report. I requested it at the XXXX and received XXXX and XXXX without any issues. There is nothing negative on either report. Equifax system was down and it said, basically, ask for one by mail. I logged in to the Equifax site the next day and requested it. It said " we are unable to process your request at this time '' and gave me a phone number to call. I called the number and went through the prompts and received the email attached below. Notice that it says " Equifax credit file failed {$0.00} ''. I then called two or three more numbers and the agents in each case said I had to wait until next year to attempt it again, however, they could provide me one right now for {$10.00}. They are running a complete scam over there. I haven't requested one of these in five years. I believe Equifax is deliberately making it impossible to get a free credit report in order to squeeze money from individuals.
Product: Bank account or service

I received a message from XXXX XXXX informing me my credit had dropped due to a hard credit inquiry from CBNA Bank on XXXX/XXXX/2016. I do n't know CBNA and I did not apply for a credit card or loan so I did not approve a hard inquiry. Now I 'm worried someone has used my information to open an account.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a data breach. Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiries be blocked and permanently deleted from my credit file : Account to be Blocked and Deleted : XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from.
Product: Debt collection

Lvnv funding LLC is in Violation of FDCPA section 809b. I did not receive notice of dispute prior to the company reporting Account to the credit bureaus. A violation of FDCPA
Product: Debt collection

I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As XXXX leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
Product: Vehicle loan or lease

I sent a cashier 's check to Mechanics Bank to pay off auto loan. I overpaid the interest due and the bank states they do owe me a refund of the overpayment. They have released the title and sent it to me and they admit they owe me a refund of the overpayment amount. My problem is they say they will hold my overpayment amount for 45 days even though the cashiers check has cleared, they have released the title, and I have no other accounts with them. 

Why can they hold my money and not refund for 45 days??
Product: Credit card or prepaid card

I received an offer in the male From Chase United MileagePlus card for promotional balance transfer checks. The promotion included a zero interest through my X/2018 bill cycle. The fee was 2 % of the outstanding balance. I used checks for a total of {$25000.00} and paid the one-time fee of {$500.00}. I was not expecting to make any payments until my X/2018 statement cycle. Unfortunately, I learned this was not the case and I have to make a certain minimum monthly payment. The offer correspondence I received did not disclose this requirement ; it made no mention of any monthly minimum payment. I contacted Chase about this issue but received no help. They insisted the balance transfer offers are no different than a purchase and required a minimum monthly transfer.
Product: Checking or savings account

I'm trying to find the source of an ACH transfer made to my checking account from CIBC bank to XXXX bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them access. It seems to me a simple request and information I should have. Neither bank was cooperative. For me, the amount was considerable, {$1600.00}. I don't want the same source to begin withdrawals from my account
Product: Debt collection

in XXXX of XXXX a lease was signed electronically with my name and information fraudulently. Subsequently the parties were evicted and Fair Collections & Outsourcing ( FCO ) contacted me about the debt. After numerous phone calls. I completed a notarized fraud affidavit and sent to them on XX/XX/XXXX. FCO continues to state the information is being verified by their client. After more conversations i finally received a copy of said lease XX/XX/XXXX the electronic signature first has an incorrect middle initial for me and the email address used to electronically sign the lease is for my ex-wife whom i divorced in XXXX. FCO has stated their client ( XXXX XXXX ) states i was in their office physically in XXXX, FL ( XXXX XXXX ) i live in XXXX XXXX, FL over 3 hours away and have never been in their office. I have disputed this information with the credit reporting bureaus and XXXX continues to " verify '' the information back to them. In XXXX the original debtor, XXXX XXXX, was sold, the person who signed the lease is no longer with the company and there is no one at that company that could verify the information even if it were true, which it is not. I see where the CFPB has filed suit ( Case 8:19-cv-02817-GJH ) with the United States District Court for the District of Maryland, Southern District with FCO for essentially the same thing I am claiming. Your help in this matter would be greatly appreciated. Thank you in advance
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My credit report shows billing mistakes with late payments that are not consistent with my payment record. Please correct these and update my account.