23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage refused to allow me to audit and make a validation of debt claim prior to foreclosure. The reentry department will not send information regarding the loan per my request to validate the loan. The debt letter dated XX/XX/XXXX which gives me thirty days to dispute the debt. They immediately sent my file to foreclosure before allowing me to obtain access to relevant information to dispute such claims. I received a packet from XXXX XXXX today with loan documents only portions of the information requested in my validation to support the debt. Wells Fargo Bank refused to postpone the foreclosure and allow me time to review the documents. I received some of the documents requested on the day of foreclosure. I have submitted three requests to all allege parties to supply sufficient information pertaining to my loan. The office of President staff, XXXX XXXX XXXX, also refused to send me information from the inception of the loan to present. Also, a request for a affidavit was requested, Wells Fargo has refused. Wells Fargo refused any supporting documents prior till XXXX to support there claim of foreclosure. There have been account numbers changes recently at the time of account sent to foreclosure, the service lenders name changed without proper notification. Wells Fargo Bank does not have any of my records prior to XX/XX/XXXX to show claim to foreclosure scheduled XX/XX/XXXX. Alleged attorney sent a XXXX packet sent to my home on the day of foreclosure to validate the debt, nor does this allow me sufficient time in order to audit, review and dispute any issues to this claim with Wells Fargo Home Mortgage. The balance that the allege attorney differs from the amount Wells Fargo states I owe. The payment history XXXX XXXX provided verbally was also discrepancy
Product: Credit reporting or other personal consumer reports

The account and XXXX inquiries ( SEE ATTACHED ) that are reporting negatively on my Equifax credit profile are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Money transfer, virtual currency, or money service

I sent XXXX international wire transfers from my Bank of America account to XXXX in the XXXX, each in the amount of {$40000.00}, totaling {$80000.00}. Both transactions were rejected by the recipient bank due to a misspelling of recipient business name, and XXXX has provided documentation showing that the funds were returned via XXXX and routed through Bank of America XXXX. 

It has now been XXXX weeks since the funds were rejected, and Bank of America has not returned the money to my XXXX account. Despite my repeated inquiries and a formal request for a trace, I have received no clear update, timeline, or resolution. This amount is significant, and the delay is unacceptable. I am requesting the CFPBs assistance to ensure the funds are located and returned immediately. 

I made the transfer on XX/XX/XXXX. I requested the trace on XX/XX/XXXX. On XX/XX/XXXX they tell me they didn't assign a team to the trace.
Product: Mortgage

During the month of XX/XX/XXXX, Wells Fargo transitioned my mortgage account from a Home Equity Loan to a Home Mortgage Loan, during this time, they canceled the lender- placed insurance they had on my property effective ( XX/XX/XXXX ). On XX/XX/XXXX I called Wells Fargo about my insurance payment, I was told there would be no payment for 45 days, so I obtained other insurance for the property. I Received a letter in XX/XX/XXXX, thanking me for providing evidence of hazard insurance coverage on my property, but their records show a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, an insurance charge of ( {$110.00} ) may be charged to your account for that time period. I received a letter in XX/XX/XXXX stating the ( {$110.00} ) XXXX XXXX XXXX dollars will be divided into two payments, beginning with the XX/XX/XXXX mortgage payment. 

My complaint is, how can they charge me for insurance coverage they didn't provide during that time period because they cancelled the policy without indicating or notifying me of what would happen once the lender changed, or obtaining my consent to proceed. 

During the transition period from Home Equity Loan to Home Mortgage Loan there was an advance balance of ( {$1900.00} ) that the Home Mortgage Loan absorbed, this also was insurance charged, but no coverage. It was retroed back to the first day of no insurance, whether they provided insurance coverage or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. 

I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. 

I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to let me dispute previously disputed negative accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Exter Fin pulled a hard inquiry on XX/XX/2017. I am unaware of the company and what they do. I did not give permission to pull my credit
Product: Credit reporting

Hello - As per Federal Law, the statue of limitations, 7 years, has elapsed on this alleged debt below, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. We have asked Experian to remove the misinformation, however they refuse to comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). Please note, XXXX and XXXX as complied with the Fair Credit Reporting Act and removed these ZOMBIE accounts months ago. Please investigate why Experian is refusing to remove this inaccurate information and comply with federal law. 

1 ) XXXX XXXX {$6400.00} {$5000.00} 128 % Revolving Negative XX/XX/XXXX -- - 2 ) XXXX XXXX {$3700.00} {$2800.00} 133 % Revolving Negative XX/XX/XXXX -- - 3 ) XXXX XXXX {$6600.00} {$5000.00} 132 % Revolving Negative XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to Equifax, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Accounts and Address Update under FCRA Section 605 I am writing to formally request the removal of fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which provides for the blocking and permanent removal of information resulting from identity theft. Additionally, I am requesting that my current address be updated in your records.

I have recently become aware that the following accounts were opened fraudulently in my name due to identity theft. Please investigate these accounts and remove them from my credit file : Under Section 605B of the FCRA, credit reporting agencies must block this information within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information ; 3. A statement from the consumer indicating the information does not pertain to them.

To assist in your investigation, I am enclosing the following documents : 1. Copy of my Identity Theft Report filed with FTC 2. Copy of a government-issued photo ID Additionally, please update your records to reflect my correct address : New Address : XXXX XXXX  XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In acc

ordance to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Debt collection

I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. 

XXXX HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR THOUSANDS OF DOLLARS. 

XXXX UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT. ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. 

I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. XXXX IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED. 

THANK YOU.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX. 
I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand. 
Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy. 
Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem. 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I TRied making a deposit to an Bank of America Bank atm to make a deposit before I got hit by many over draft fees bank errors
Product: Credit reporting or other personal consumer reports

I disputed unauthorized inquiries on my credit report with XXXX and TransUnion. These inquiries were not authorized by me, and I requested that the credit reporting agencies investigate and provide proof of authorization, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ). 

However, both XXXX and TransUnion refused to initiate an investigation, stating that I needed to contact the creditors directly, which is incorrect according to the FCRA. Under the FCRA, it is their responsibility to verify the accuracy of the disputed information or remove it if it can not be verified. 

I am requesting that the CFPB ensure these companies fulfill their legal obligation to investigate and remove any unverifiable or unauthorized inquiries from my credit report.
Product: Credit card

On XX/XX/23 a fraudulent credit card by preferred credit was opened in my name using my social security number. I have contacted the merchant to get this fraudulent credit card removed. I did open this card and ask that it be removed from my credit profile. 

Preferred credit XX/XX/23 {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint with other companies however neglected to file with the last and final repository company. I have a debt being reported to the Equifax credit bureau that does not belong to me however I have been unsuccessful with having the company remove the debt although it has been identified as belonging to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX  XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( Experian  ) Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX   ( XXXX  ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX   XXXX  2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party party or agency. Please see attached documentation and identification as it contains my complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX RO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will 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.
Product: Vehicle loan or lease

The dealer sold and securitized the contract/agreement i signed after which they superimposed my signature on to at least 3 different additional contracts that i did not sign and sent it to the Banks. I called the bank and asked for a copy of my loan documents and to my surprise the contracts were different from the Federal Truth in Lending disclosure, The finance charge was changed added fees and surcharges, the credit life insurance not included any many more violations. It is also my understanding that the bank is also complicit with regards to the securities fraud and contract manipulation and securitization. I sent notices of my findings to all parties involved then initiated arbitration but the XXXX would proceed with the arbitration due to the dealer not following the rules of arbitration disclosures to consumers. The letter from XXXX XXXX this " Accordingly, we must decline to administer this claim and any other claims between XXXX XXXX XXXX XXXX XXXX and its consumers at this time. '' I will attempt to settle this matter once more before filing for all appropriate federal suits and refer the matter to the Securities Exchange Commission.
Product: Debt collection

They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off
Product: Bank account or service

I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

They have been sued by me in civil court and were informed of law suit and dispute before reporting and still reported
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

am listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

There a lot of hard inquiries that dont remember applying on credit report that I would like to have all of them removed for they can stop hurting my credit score