23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.
Product: Mortgage

On XX/XX/XXXX I sold my house and paid off the existing mortgage to Freedom Mortgage Company. I was subsequently sent an escrow refund check for the amount of XXXX. I could not cash the check because it had my ex wifes name included on it. I contacted Freedom Mortgage and explained to them that I needed her name taken off the check since the divorce decree had been satisfied by her having gotten her portion of the equity in the house. I was instructed to send in a copy of the final divorce decree verifying that the house was awarded to me. I sent in the divorce decree and was told that the check would be electronically deposited into my account but it hasnt been and it is going on a month. This same thing happened in XXXX and it was resolved by simply changing the conjunction between the names on the check from and to and/or.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report.

The following fraudulent accounts and inquiries have been identified : Fraudulent Accounts 1. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} Fraudulent Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX OF XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found several billing discrepancies, particularly late payments that do not reflect my usual payment pattern.
Product: Money transfer, virtual currency, or money service

This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.
Product: Money transfer, virtual currency, or money service

Cash app never had a way to actually speak with a live person to get customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX  XXXX XXXX  and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion with a balance of XXXX when it has been paid.
Product: Credit reporting or other personal consumer reports

I have ask XXXX multiple times to remove old accounts in order which there updates to be recent accounts on my credit report like they are reporting a account from which is XXXX XXXX XXXX from XXXX XXXX XXXX they are reporting another account for LVNV funding which is not a license company in New York State a non license company which must follow nys law must be removed because they are not able to collect a debt in nys they are being paid by the company to held in accurate information they didnt send me any signed documents that I need to pay lvnv funding which they should be sent to me if no proof is shown must be removed in 30 days or less
Product: Vehicle loan or lease

In XX/XX/XXXX I was under XXXX XXXX when the truck I purchased through Santander was totaled. The person ran into me on XX/XX/XXXX on my way to church. The police report number is XXXX. The XXXX XXXX case number is XXXX. I did a substition of collateral with XX/XX/XXXX/under written by XXXX XXXX XXXX. Insurance number was XXXX XXXX. I purchased a new car with the insurance funds. Yet payments was still being payroll deducted from XXXX XXXX XXXX XXXX. Their EIN # is XXXX, payments was payroll deducted. I was laid off XX/XX/XXXX, I was no longer employed with the company to stop payments. My severance packet was continuing to go to the courts and the bank. XXXX XXXX XXXX XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX. I used the money from the insurance to purchase a XXXX XXXX XXXX with XXXX. The vin number on that vichle was XXXX. The policy number on the XXXX XXXX for the insurance was XXXX XXXX. My drivers license number is XXXX, social security number is XXXX. My new insurance policy number was XXXX XXXX XXXX. I was discharge in XX/XX/XXXX from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.
Product: Debt collection

Hello : Over 30 days ago I disputed the charge of XXXX placed on my credit report by this agency. They falsified reporting of my debt. They re-aged my debt which is illegal. They reported it to my credit report as if it was a new debt. The original date of delinquency is over 7 years old. Please remove this debt from my report as you have reported this incorrectly and also have not responded to my dispute request in 30 days. 
As you can imagine I will have no choice but to obtain a lawyer who can sort this out if this is not resolved. thanks very much for your time. 

FAIRWAY CAPITAL RECOVERY # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Re : Description of Procedures to Validate Reported Item After reviewing my credit report file with Experian, I disputed the following line item associated with XXXX. XXXX XXXX on XX/XX/scrub> 2025. Experian completed their investigation on XX/XX/year>2025. I am requesting a description of the procedures used to determine the accuracy and completeness of the disputed information. 

I am requesting the following : XXXX. Full payment history details from the original creditor XXXX. Date of last payment XXXX. Date of delinquency XXXX. The original signature that I agreed to on the contract for this creditor XXXX. Has there been any insurance claim found on this debt? 
XXXX. Provide the chain of assignment contract Who did Experian interview regarding this account? 
How did they come to this determination? 

Since XXXX. XXXX XXXX can not provide the chain of assignment contract, I respectfully request this item be deleted from my consumer file as it is a misrepresentation of my financial obligations and such reporting impacts opportunities for new purchases, suitable housing, etc. Furthermore, self-initiated research revealed XXXX. XXXX XXXX is not authorized to collect for my state. 

Experian has demonstrated a history of " sham investigations '' as it appears to be the case with this matter. As a data & information broker, it is their fiduciary responsibility to ensure the integrity of data reported is correct, fair and complete.
Product: Credit reporting 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. 
XXXX XXXX XXXXXXXX : # 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. ( A ) in general, if, any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This company is reporting an unverified account and the account status is wrong status. Please be further advised, I dispute the validity of the alleged debt in its entirety. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  *Account Name : XXXX XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX, Account number : XXXX, *Account name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXXXXXX, Account number : XXXX *Account name : U S DEPT OF EDXXXX, Account numberXXXX XXXXAccount name : XXXX XXXX, Account number : XXXX 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. 
It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. 
I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute for XXXX. On XX/XX/XXXX I was credited XXXX by an suprivsor named XXXX. Today I called to get my card unlocked for use. They had removed my XXXX on my card. I asked the supervisor XXXX on why my account did not have XXXX like it was the past 7 days. He told me he did not know. So where did my money go? The money they credited my account should have never went anywhere. I now have no money and I need an explanation on where my money that was credited to my account since I was unable to use it.
Product: Checking or savings account

I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.
Product: Credit reporting or other personal consumer reports

This car was involved in car accident before they took possession of this car and the balance is incorrect the account was closed and written off and I never reviewed 1099 please remove and update my credit report
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report recently - I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting or other personal consumer reports

My credit was exsposed during a data breach and I need my credit fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit card

Applied for a credit card thru XXXX XXXX, with Aspire, back in XX/XX/2024. Was approved but still havent received a credit card, now they are billing me {$39.00}. I have called several times and get no results, was even hung up on once, and another time computer problems and would call back, havent gotten a call yet! 
Another company thru XXXX XXXX I was also approved for, XXXX, same situation, was approved and havent gotten a credit card, this also has been going on for several months.
Product: Money transfer, virtual currency, or money service

Cash was presented at the specific offices for transfer but it was never received in XXXX. My money was never refunded.
Product: Credit reporting 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 Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Checking or savings account

I have notified TD BANK, online banking department about a Marketing issue TD Bank and I have collobrated on errors. However, the issue according to TD Bank is " I did '' meet TD BANK marketing qualifications for opening a new Premier Checking Account. 

Detailed Summary : [ TD Bank correspondents acknowledges TD Bank has failed to met financial liability of 300.00 usd within the scheduled time frame of 95 to 125 days according to Premier Checking account ending in XXXX under account holder XXXX XXXX XXXX. ] This document officially introduces an correspondence effort in which expresses TD BANK has breach its online Marketing promotion banking agreement and Federal Banking Statute of the United States 25 U. S. CODE 3316 stats ( a ) when an individual enters an  agreement for obligated in return for financial assistance in which in this case is financial credits. Also, ( b ) requires a repayment of financial assistance provided, pro-rated for the amount of time obligated to obtain after customers agreement accomplished.