23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account
Product: Credit card or prepaid card

Capital one credit card keeps sending me cards I did not open or want or agree to and theyre showing up on my report like I opened these accounts these cards need deposits to open so therefore I did not agree to them so I do not think its fair that it showing up on my report it looks bad on reports and hurts my score please help I have never use them or agreed to account to be opened especially when you need a {$200.00} deposit to open So therefore I declined and it still showed up that I open the account but as you can see I never used it so it should not be on my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX  days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Product: Mortgage

In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My card was stolen and there was charges on my card that I didn't make and Venmo was very helpful to begin with so I disputed the charges and they come back in my favor and the money was credited to my account so I went to withdraw the money and then venmo is suspended my account immediately. Have contacted the most several times ask him just to release my phones so I can withdraw them I have even sent them a copy of the eviction notice that I received solely because Venmo will not release my money so now I am having to stay in motel which the church provided for me with my XXXX grandkids. I have the motel for 10 days and after that I don't have a clue what I'm going to do. I don't even understand how the transactions were able to be made on my account I am the card holder and I go to use my account and they spend my account immediately but someone can steal my card and use my card back to back over 30 times and it not be red flagged it doesn't make sense. There's no reason for them to hold my funds for 108 days because there's nothing on my account that can come back and put my account in a negative. I am going to upload a few of the disputes that shows it was in my favor I'm not going to upload all of them because there's over 30.
Product: Mortgage

I have a mortgage with Lakeview Loancare and have been making bi-monthly payments since XXXX of last year. I am retired, and make payments based on when I get paid which has become an issue. Social Security pays on the XXXX Wednesday of each month. This means some payments come in a week later than others, depending on the month. XXXX  charges a late fee if full payment is not received by the XXXX of the month. I have called XXXX repeatedly over the last 5 months to try to get some kind of help, while the late fees continue to accrue. Today I was told, basically, too bad, the due date cant be changed, and by the way, we know were getting the full amount each month, heres your late fee anyway. Heres what really frustrates me : I can not get ahead no matter what I do. If they dont have the full payment by the end of the cycle, EVEN IF I PAID A FULL MONTH AHEAD, I will still be charged a late fee! They refuse to work with me in any way. If I pay my auto loan ahead, its ahead. My mortgage? Apparently not. This is simply predatory. Ive called multiple times to fix this, and not been given a solution. 
XXXX automated payment system will not allow additional monies to apply to the principal, and they are not set up to allow bimonthly payment. I have to make principal payments separately and specifically. Therefore I use my bank payment system to make my bimonthly payments, and XXXX system only for additional principal payment when I can afford it. I will refinance as soon as its economically feasible but in the meantime Im stuck with this company. Other mortgage companies I have used automatically applied extra monies to apply to the principal. Not XXXX! 

I can and will change how I pay this mortgage, and will do so immediately, at great personal hardship. However, XXXX refuses to reverse the late fees. The escalation XXXX I spoke with said XXXX fees ( out of XXXX ) could be reversed if I made an immediate full payment while I was speaking to her, but doing so would not affect future late fees, as it does not put me ahead.
Product: Vehicle loan or lease

I want to require Mercedes-Benz Financial Services to verify account XXXX and send me proof that they used their own funds when extending my credit to pay for the XXXX XXXX  XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. I also spoke with the manager of the XXXX XXXX dealer and he claims in a recorded call from them that you paid for my property with your own funds, your own credit. His representative corrected me that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642.

" In federal courts, it is well established that a n
ational bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.
" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.

" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 
" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550. " ... the bank is authorized to lend money as per
sonal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.

" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.
" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Account : XXXX Billing Service, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - 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 an account without my written instructions.
Product: Mortgage

Complaint Against Wells Fargo Bank N.A.

I am filing this complaint against Wells Fargo Bank N.A. regarding unethical practices, violations of the FCRA, and attempts to illegally foreclose on my property. Below are the details : 1. Background Information I purchased my home located at XXXX XXXX XXXX XXXX XXXX XXXX  using a VA loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Later that year, Wells Fargo Bank N.A. became the servicer of the loan. However, the deed of trust was signed solely by me. 
XXXX. Transfer of Property In XX/XX/XXXX, I conveyed the property to the XXXX XXXXXXXX XXXX XXXX XXXX and received the deed to the property from the XXXX XXXX XXXX XXXX. 
After this transfer, I revoked Wells Fargo Bank N.A.s Power of Attorney via IRS Fo

rm 2848 and sent the bank a revocation of security interest, signatures, and revocation of sale via registered USPS mail. 3. Wells Fargos Unlawful Actions Despite no longer holding any agreements or mortgages with me, Wells Fargo attempted to sell my property in XX/XX/XXXX for half its value. 
The bank continues to report foreclosure activity on my property to consumer reporting agencies, damaging my credit and violating the Fair Credit Reporting Act ( FCRA ). 
Wells Fargo is also filing tax documents as if they are the original issuer of the mortgage, which is a misrepresentation of their role as a loan servicer. 
4. Unethical Practices Wells Fargo has engaged in unethical behavior, including : Attempting to foreclose on a property they have no legal claim to.

Misuse of my personal information in reporting false foreclosure activity.

Filing misleading tax documentation.

Resolution Requested I request the following resolutions : 1. Wells Fargo must immediately cease and desist from all foreclosure attempts on my property. 
XXXX. Remove all false foreclosure reports from consumer reporting agencies. 
XXXX. Provide written confirmation of their lack of claim to the property and issue a formal apology. 
XXXX. Reimburse any financial or reputational damages caused by their actions. 

Supporting Evidence I am prepared to submit documentation, including : Proof of property transfer to the XXXX XXXXXXXX XXXX XXXX XXXX 
USPS records of mailed revocations.

Evidence of false foreclosure reports from consumer reporting agencies.

Tax records showing Wells Fargos misrepresentation.

Please investigate these serious allegations against Wells Fargo Bank N.A. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

Complaint about Mortgage Servicing Practices Dear Sir/Madam, I am writing to file a complaint against Rushmore Loan Management Services LLC regarding their handling of my residential mortgage account. I believe their actions may be in violation of certain provisions of the Real Estate Settlement Procedures Act ( RESPA ). 

My mortgage account has been transferred multiple times over the past several months, starting at XXXX XXXX XXXX and eventually ending up with Rushmore Loan Management Services LLC. These frequent changes have been problematic, especially because Rushmore and the previous banks have refused to accept my payments. Furthermore, the payment operations at these banks have not been functioning properly. 

On XX/XX/2023, I attempted to make a payment on my mortgage via a cashier 's check of {$1600.00} and a wire transfer. Despite my efforts to fulfill what now appear to be fraudulent obligations, Rushmore has verbally refused my payments and has subsequently claimed I owe over $ XXXX in fees. I believe these fees are unjust and that Rushmore 's actions appear to be a calculated attempt to exploit the system and unlawfully seize my family home. 

Section 3-604 of the Uniform Commercial Code ( UCC ) provides that if a person tenders a payment to a party who has the right to enforce an obligation, and the payment is refused, then the obligation is discharged to the extent of the amount tendered, given certain conditions. I am concerned that by refusing my payment and retaining the cashier 's check without crediting my account, Rushmore may be acting inappropriately and possibly in violation of RESPA or other applicable laws. 

I am attaching copies of the cashier 's check and confirmation of the wire transfer, as well as written correspondence with Rushmore documenting their refusal to accept these payments, their retention of the cashier 's check without crediting my account, and the unfair fees they have levied against me. 

I kindly request your assistance in reviewing this matter and advising on the appropriate next steps. I am seeking to ensure that my rights under RESPA and other relevant laws are upheld, and that my mortgage account is handled appropriately going forward. 

Thank you for your attention to this matter.
Product: Debt collection

A while back in XX/XX/XXXX i did a dispute with convergent outsourcing about someone using my identity to get a cell phone. There was a remaining balance of {$620.00} dollars which i disputed ad fraud. XXXX asked me to come back and re investigate when I got a police report. I did that. I wrote a new dispute three months ago in XXXX. sent a police report in XXXX as well as another dispute letter. And in XXXX i sent a demand to comply letter. They have still yet to provide me any written or verbal proof of how they validated the debt. they have sent in my credit report with the same fraudulent inaccurate debt still reporting. XXXX have not given me proof of a wet signature signed by me from sprint or convergent of the person who committed fraud. I told them to stop and take it off or I would seek legal action.
Product: Credit card or prepaid card

Dear CFPB, I am writing to report a possible deceptive practice by Chase Credit Card, which I recently encountered while using their services. 

Today, I attempted to set up a Pay Over Time option but was unsuccessful. However, upon reviewing my transactions, I noticed a separate transaction from XXXX XXXX for {$340.00} on XX/XX/2023, which was successfully set up as a 9-month installment plan with monthly payments of {$38.00} on XX/XX/XXXX. I have the email evidence to support this. 

The issue is that I do not owe this amount as the merchant had already refunded the {$340.00} on XX/XX/2023. Despite the refund, the balance still reflects this payment, even after successfully setting up the installment plan on XX/XX/XXXX. The banks explanation is that I can set up the plan like this, but I find it an inadequate justification. 

It is evident that if someone were to forget about the refund from three months ago or have cognitive difficulties like XXXX, they might end up making the payment. In this case, Chase would profit {$340.00} from this apparent mismanagement. 

I am concerned that this could be a deliberate trap or, at the very least, a mismanagement issue. Regardless of the reason, if such misconduct is proven, it should be subject to regulation. 

I request your intervention and supervision in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was alerted today XX/XX/XXXX from XXXX that my social security is on the dark web. Had to receive a new Debit card. 
My old Debit card was close on XX/XX/XXXX. 
XXXX Bank issue a new one on XX/XX/XXXX I was a victim of identity theft in XXXX. Someone file my income tax. Is it true that once you are on the dark web it can't be removed.
Product: Debt collection

I'm being contacted by Midland Credit from XXXX on my work phone. I answer with my company and full name. Then they ask for someone named XXXX despite me clearly stating my name. When I say that this is a work phone and not to call me, they call back again the following day. 

They have asked if anyone who works here is named XXXX. They have claimed I'm his wife. I've repeatedly asked for them to not contact me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX