23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

OK, so in XXXX I was incarcerated on charges of false accusation and charges of XXXX which XXXX at the time was not legal which it is now long story short I filed taxes and already completed. The identification process is to it being me that filed the taxes my name is XXXX XXXX and I need someone from the IRS to explain to me why its taking so long to get {$11000.00} in my refund. Is it have something to do with the fact that someone else claimed my child during incarceration which they did not have verbal or legal written consent from me to do so also said persons would be the biological father, however, biological father never verbally communicated any desire to want to file taxes on behalf of the child And possibly 10 year review audit on my behalf for my TAX account as well as the biological childs fathers account if any more detailed information is needed I do have information for anyone in the XXXX department. They could explain why I am being held up over a year or so when the money is needed I am in an immediate situation where I need housing and transportation Otherwise well be left to create detrimental financial hardship upon self by taking too many steps backwards when I need to keep moving forward Therefore, if you could have someone in your department order an immediate resolution to this particular individual situation, all of my information can be located on file through the state of XXXX XXXX XXXX XXXX XXXX in which you will reference case number XXXX If any questions or needed to be answered on my behalf, I may be contacted via the XXXX XXXX number available XXXX at the earliest possible convenience as this is an immediate complaint with multiple relevant reasons regarding immediate resolution as to small business owner and Single head of household for tax year XXXX these implications are causing replications or repercussions that are beyond normal delay and should be looked at immediately as to financial hardship being released desired outcome for anyone individual in Arizona or otherwise permitted in the United States of America as to legal residence status, including myself Assistance are jammed up and theres no resolution through the provided phone numbers, as well as no resolution through Internet at the current time. Should this situation be resolved either by recipient or receipt of government issued check in the proper amount as deemed proper by the government entity assigned to run such tax Departments being irs.gov It is at this current time that I respectfully request due diligence and due process as to constitutional human rights for resolution of this complaint this complaint should be known to be time stamped for XX/XX/XXXX at approximately XXXX XXXX  time
Product: Checking or savings account

Purchased concert tickets from XXXX XXXX XXXX XXXX for an event in XXXX. XXXX XXXX XXXX ( Florida ) is refusing to release the tickets and requiring will call pickup. Which we live in PA, and this wasnt disclosed upfront. Capital One rejected dispute, claiming I authorized the purchase. But the dispute was specific to the fact that XXXX is refusing to refund or release the tickets, digitally. I have done everything from trying to contact the Artist, resolve with XXXX, and with Capital One. I will be out {$1100.00} Capital One has denied dispute under the umbrella that I have the ability to obtain services in Florida. But it was never disclosed that tickets must be picked up at Will Call. 

For this, the FTC has provided guidance and Capital One is a co-conspire under PART 435MAIL, INTERNET, OR TELEPHONE ORDER MERCHANDISE. And Capital One is not honoring the Consumer Protection Act as outlined here https : //consumer.ftc.gov/articles/what-do-if-youre-billed-things-you-never-got-or-you-get-unordered-products.
Product: Mortgage

My mortgage company is withholding my insurance property claim money and not accounting for its whereabouts and hindering me being able to get repairs completed. They will not endorse checks and when they do they keep money.
Product: Money transfer, virtual currency, or money service

RE : problem with my Square acct I'm a very upset Square customer. I'm about to file a complaint about my account w/the XXXX  & CFPB, but was hoping someone could help me possibly get this fixed. I've never had a single charge back on my acct & been an excellent customer for many months. I tried to process a payment this morning & the system kept going down, which meant I tried logging into my acct 3 times then was notified my acct is deactivated. I've NOT rcvd any notification from Square, I called cust svc & was told she would try to get my acct reinstated & I would be notified in 1-2 business days. I'm very upset about this & will be filing a complaint w/the XXXX  because I have done nothing wrong, absolutely no negative actions on my acct. I have given Square quite a large amt of processing fees since I started using your services & now I'm deactivated for no reason, certainly not due anything negative on my acct. Can someone please help me? I have appreciated your services, but I am also a paying customer & I want to protect my good name. I strive very hard to keep my accts in good standing. I only rcvd a generic response back to this email above, no reason given at all. The XXXX  has hundreds of complaints filed stating exact same thing w/only a generic response back
Product: Checking or savings account

I got a new debit card on XX/XX/year> and I used it one time on XX/XX/year> I went to the doctor 's office and tried to exit the parking deck with my banking card but it was declined and when I reached out to my local bank Truist I was informed that a block had been placed on my account because of fraudulent activities. I verified the transactions that the clerk questioned me about but I was still told the block could not be removed. I was told to contact the fraud department of Truist and I did and the basically verified the exact transaction as the local branch and told me that the block was placed by a higher up and they had no information and I would be receiving a letter. I received the letter on XX/XX/year>. I called the number on the bottom of the letter but still no resolution from the person I spoke with in the fraud department, I was told to call back in XXXX hours but there was not guarantee that the issue would be resolved. I have asked each representative how long the process usually take but I have not receive a definite answer as of XX/XX/year>. I do not have funds to pay any bills, purchase my medication, buy groceries etc. I have been borrowing money from everyone to try to make it until this is resolved. My livelihood has been take away from me. I am very depressed and my XXXX  is out of XXXX  because I am so stressed about all that's going on.
Product: Debt collection

To whom this may concern, I am writing to dispute a charge from XXXX XXXX. 

Last XX/XX/year> I went in to cancel my membership after I had asked management to put my account on hold, which they agreed to. I never received confirmation of my cancellation and they just kept charging me. I disputed it with my bank but now they took it to a collection agency. Ironically I am not the only client who has been going through the same issue. Whoever is running and managing this gym is scamming their clients. I need the charge removed from this shady company please. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.
Product: Credit reporting

I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$240.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX XXXX XXXX Balance Owed : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} 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

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Mortgage

I entered into a Covid Forbearance Program in early 2023. I was struggling to make mortgage payments due to loss in income. As i was struggling to make payments an associate on the phone offered this program to me. I was described to me as a program that would pause payments until I was able to resume making payments on my mortgage. I could use this program for up to a year. I talked with this specific representative as well as many others while in the program confirming that when I was ready to pick back up payments that I would be able to resume. XXXX it was coming to the end of my plan I contacted Mr Cooper as I was ready to begin mortgage payments again. When contacting them I was told that this was not actually an option as I do not qualify for this. At no time before or during the program was I notified that I would have to qualify for this program. The only options I qualified for was bringing the loan current or a loan modification. the loan modification would increase my mortgage payment drastically. All I am asking is that company do what they said they would do all along and let me resume mortgage payments.
Product: Money transfers

I am XXXX years old. I was conned into transferring money via Western Union to an individual in XXXX. The amount was {$450.00}. Below is a copy of the letter I wrote to the US Attorney General on the matter. I hope you will be able to help me get back my money and also put an end to the harassment that includes : freezing my computer, freezing my XXXX mail account, freezing my Internet while I am on it. The scam artists profess to be " certified engineers '' working for " XXXX 's XXXX XXXX XXXX. They are very clever in the proofs they offer to help individuals like me who encountered problems while using my computer. Please review the details of the letter I am attaching. The money transfer occurred on XXXX XXXX, 2015 at XXXX. from XXXX # XXXX in XXXX XXXX, XXXX, XXXX. The money was wired to XXXX XXXX in XXXX. Converstion password was " XXXX. '' Telephone contact for service was XXXX. The man you perpetrated the fraud was from " XXXX XXXX. '' Their representatives worked with me from telephone contact numbers such as : XXXX, XXXX, XXXX, and XXXX. They promised computer technical support they never provided. Instead, they took control over my computer and my programs in it. Please HELP!
Product: Mortgage

I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please help me.
Product: Credit reporting or other personal consumer reports

I got into a wreck XXXX of XXXX 
Credit acceptance put this on my credit report as 3-4 months past due. This ruined my credit and I'm unable to refinance because of this. I wasn't past due. I paid up until total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

I am writing to formally dispute the recent threat of XXXX on my property. This action appears to be based on alleged non-payment, despite my consistent efforts to resume payments following a forbearance period and ongoing attempts to resolve payment processing issues. 

Background In XX/XX/XXXX, my mortgage entered a XXXX program due to financial hardship caused by XXXX XXXX. The XXXX agreement covered the period from XX/XX/XXXX to XXXX XXXX XX/XX/XXXX, I contacted you to confirm the plan for repaying the deferred amount during forbearance. We agreed that the deferred amount would be added to the back end of the loan since I didn't qualify for a XXXX XXXX. 
Following the forbearance conclusion in XX/XX/XXXX, I resumed making monthly payments as instructed in the amount of {$2200.00}, starting in XX/XX/XXXX. 

XXXX XXXX and XXXX Attempts Since XX/XX/XXXX, I have successfully made monthly mortgage payments as required. The payments are being returned to me, seemingly unapplied to my account. 
I have attempted to contact your company by phone on multiple occasions to resolve this issue. However, after numerous calls with unanswered rings, I finally reached a representative on XX/XX/XXXX. 
During this conversation, the representative acknowledged the phone system issues and informed me that my house was in danger of XXXX due to XXXX 
I explained the forbearance agreement, my consistent payments since XXXX, and the returned payments. Unfortunately, the representative could not provide a clear explanation. 

Request for XXXX I am deeply concerned about the potential foreclosure on my home, especially given my consistent efforts to make payments. 


Documentation I have attached copies of the following documents for your reference : XXXX Agreement Payment Records ( including receipts or bank statements showing returned payments ) XXXX XXXX XXXX Letter ( dated XX/XX/XXXX ) Additional Information The XXXX XXXX XXXXXXXX letter indicates the current value of my home is {$520000.00}. This valuation should be considered in relation to the ongoing requirement for private mortgage insurance ( PMI ). Given the increased value and the likelihood that the XXXX ratio is now below XXXX XXXX, I request a review of the PMI requirement and potential cancellation since I'm still expected to pay it despite having received notification that the loan dropped below the ratio.
Product: Debt collection

Once debt was paid old XXXX agreed to remove off my report please see attachment.
Product: Credit reporting 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 items 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 any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items 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 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 
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: Mortgage

Wells Fargo has collected the following mortgage payments AFTER they ( Wells Fargo ) placed my home into default and subsequently Foreclosure.

Wells Fargo has not accounted for these mortgage payments nor have they applied these payments to my mortgage. 
XX/XX/XXXX {$980.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$98.00} XX/XX/XXXX Check XXXX {$84.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1000.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$750.00} XX/XX/XXXX Check XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, EQUIFAX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Product: Student loan

Over the last several years I have requested the payment history for payments that I made towards these federal student loans. I got an email finally just a few days ago, from Mohela that says I have an e-message on my account with the information I requested regarding financial activity. I click on the link they provided in the email, enter my login information, and I'm taken to a web page that tells me I no longer have access to this account. Therefore, I do not have access to whatever attachment with the information I requested.