23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a very hard time with Wells Fargo mortgage. I am trying to do a short sale to avoid foreclosure. Previously, we had been trying to save my home through a modification but was declined. I have fallen behind on my mortgage after my husband was diagnosed with XXXX. My husband XXXX XXXX XXXX on XX/XX/2015. I have recently tried to do a short sale with Wells Fargo but they have refused to let me do one. Wells Fargo is stating that my home is worth {$890000.00} and would not look at my offer. My home is not worth {$890000.00}, this is 100 %, ABSOLUTELY, PURE BANK FRAUD. Wells Fargo seems to never change and is up to the old tricks again. Wells Fargo has not done an appraisal on my property, they have only run comps from Iowa, on a computer. In the area I live in, that is not smart. I have also sent photos, and list of repairs need on the property by licensed contractors. This home needs a rehab. With the medical hardship, our family went through we have been unable to keep up with needed repairs. Wells Fargo is stating this does not affect the price of the property, which again, is pure fraud. We have several, brokers, title companies, and appraisers tell what they feel the property value is at. This property is worth {$680000.00}. We are submitting the highest and best offer to Wells Fargo for short sale review and to avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft report was sent in to credit bureau about this item that is placed on my credit report. I have no knowledge and was never provide proof of this account. 

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

In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After three weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified XXXX, through XXXX XXXX, about the cancellation. XXXX instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within XXXX business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called XXXX, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, XXXX claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, XXXX did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or XXXX, and the issue remains on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information.I found there were fraudulent accounts that I have no knowledge of.I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made.I believe I am a victim of identity theft.

These accounts being reported in my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is a clear violation of my fair credit reporting act ( FCRA ) I ask that the accounts listed below be removed because its in clear violation of the fair credit reporting act section 15 U.S code 1681i-Procedure in case of disputed accuracy.I ask that the accounts and inquiries be investigated throughly and as a result removed from my credit report.
Product: Checking or savings account

I opened a managed investment account with Moneylion. I put around XXXX $ into the account, and now I want to withdrawal my funds on XXXX. XXXXas told it would take XXXX business days to complete. Then I got a email to confirm my identity, was instructed to take a photo of my ID was I did and completed. As of today XXXX I still have had no luck in receiving my money, I've called mupitle times and have gotten no where.
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 or https : //www.ftc.gov 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 XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these erroneous XXXX  on my credit report. I have sent letters from the court stating Mismatch social. And still TransUnion reports this on my credit. Recently I noticed that both of those accounts were Re-Aged which is a direct violation of the FCRA Section 605 ( C ) .States 7 year from the date of delinquency. Also if it's not verified and 100 % accurate reporting it has to be deleted. It caused me to lose opportunities due to the credit re-aging of these accounts now shows them as new delinquency.
Product: Debt collection

Collection professionals inc is trying to collect on a different payment contract for XXXX XXXX XXXX XXXX  of XXXX Wy. The contract states money is due when 2019 tax return comes in. With Covid 19 and all we have not gotten our taxes back yet and they filed with collection agency that has been given the contract and refuses to acknowledge the original contract.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX AM CDT, I used Google pay transaction XXXX to transmit XXXX XXXX XXXX {$100.00} for goods invoiced via XXXX XXXX and invoiced via Google electronic mail. 

After contacting the recipient five times with no delivery of goods or status provided, I requested a refund via Google Support inquiry [ XXXX ] on XXXX XX/XX/2019 XXXX PM XXXX. After a cursory review lasting less than 11 overnight hours, Google opined on XXXX XX/XX/2019 at XXXX AM CDT that " no system error or other unauthorized activity was connected to this transaction, so we cant take any further action. '' Google pay supported fraud and theft via their telecommunications and financial credit processing system, acting as an accessory to the crime after the fact. Google chooses to make no amends for illegal activity occurring with their financial support and benefit to Google pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I sent in a dispute to remove 2 fraudulent accounts that were opened up in my name without my knowledge. I sent Equifax a copy of my credit report, an identity theft report, a police report, and copy of my social and drivers ' license so they could properly identify me. I sent in the packet via certified mail and Equifax did an investigation and sent me a letter back XX/XX/2019. They've stated that both the accounts are accurate and it is verified as such. I am very frustrated because they did not remove the fraudulent accounts. This is not the first time Equifax has completely disregarded doing a proper investigation. I am convinced that they never actually investigated it. Equifax has continued to violate my rights, and refuses to remove the fraudulent account. My life is negatively effected by these two accounts, and I've done everything they've suggested I do, and I even spoke to a supervisor at Equifax on Wednesday XX/XX/XXXX and she said there was nothing she could do. BOTH other credit bureaus XXXX and XXXX have already verified my claim and removed BOTH of these fraudulent accounts. I've attached all supporting documents. In addition i've attach one of the letters Equifax sent me saying the account is 100 % accurate and mine, even though its not!
Product: Money transfer, virtual currency, or money service

I had communicated with a woman XXXX XXXX who was to send me two tickets to XXXX in XXXX RI. I was purchasing said tickets for my son 's birthday gift and had already arranged plane tickets, hotels, ect. 
After I sent the second payment to XXXX XXXX, her supposed husband to this email address : XXXX, she completely deactivated her XXXX account and deleted all messages containing ticket information. 
I immediately tried to cancel the transaction, and thought I had done so with my bank, XXXX. However, the money still came out of my account the fradulant woman was paid. I was able to get one of the two payments sent to the woman returned, however, this payment of {$78.00} was not able to be recovered. 
I contacted ebay, they did nothing to recover the funds, and I contacted XXXX to get the woman 's information. None of these actions did any good that is why I am now reporting it to you. 
Please assist me in getting these funds returned. It may not seem like alot of money to some, but at this time I am unemployed and truly need it. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX FTC VIOLATION AS STATED : A mortgage servicing subsidiary of XXXX  XXXX XXXX XXXX agreed to settle Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTCXXXX XXXX, 2012 the FTC 's multi-million dollar settlement with XXXX  XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... 


WOULD YOU PAY A CIVIL VIOLATION
Product: Prepaid card

I made an online transaction to XXXX XXXX. XXXX and the order was cancelled almost immediately by me. I called XXXX XXXX they told me they do not withdraw the funds they only put a 3 to 5 business day hold on it to verify the funds. XXXX XXXX emailed me a confirmation that the order was cancelled and that they did not withdraw any funds. I called Rushcard Prepaid card and they called XXXX to verify the transaction was cancelled, XXXX XXXX told Rush card representative they did not withdraw any funds. RUSHCARD REP. told me your funds should be in your account by XXXX XXXX or XX/XX/2015. My funds do not show up on my account with Rush card. I call and email them and no one can help me I am told the computer is loading, they put me on hold and hang up on me. The transaction shows as pending. The amount is {$940.00}. When I log in to see my balance it shows a balance of {$11.00} and it shows pending {$940.00} when I download a summary statement it shows balance {$940.00}, but Rushcard tells me they do n't see no transaction, but when I call They tell me different stories. The transaction was made and cancelled on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : XXXX Account # 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Experian, XXXX XXXX, and XXXX XXXX name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name XXXX XXXX XXXX Account XXXX XXXX -- Not my account x -- - Was never late -- -- -- Account paid in full -x -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account -- -- -- x Was never late -- -- -- Account paid in full -- -- -- x- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXX -- -- Not my account X -- Was never late -- -- Account paid in full -- -- -x -- Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Mortgage

I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  docket # XXXX this public record was remove from XXXX and XXXX dued to false information. Trans Union has been unjustly degraded a error which has impacted my credit report. Trans Union has also falsified information protaining to verification of debt. This agency has been contacted numerous times to remove this public record due to falsifying debt verification. I received a letter from the Bankruptcy stating the credit Bureau Transunion did not verify debt nor do the do verification with the credit bureaus. I'M requesting this public record be deleted immediately from my credit report. This is a unjusted improper behavior under the FCRA reporting.
Product: Debt collection

I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals,  provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract
Product: Credit reporting

have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account
Product: Debt collection

Company illegally reporting information to credit bureaus under 15 U.S. Code 1681a Chapter 2 states ( 2 ) ExcLUSIoNS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

Citi official informed on XXXX, XXXX, that they are working on the transfer, and within XXXXXXXX XXXX, of the notification, the account will be credited. 

On XX/XX/XXXX, a Citi official sent another email to inform me that the transfer will be {>= $1,000,000} if I pay {$3800.00} which I refused to pay.
Product: Credit card

The credit card company will not allow me to activate my new card due to not having access to my old phone number. I have verified every piece of information and they will not allow me to change my phone number, activate my card or close my account although I have been an established customer for over 2 years. No where in there terms or conditions, or user agreement requires you to have a phone to activate their services. I spoke with XXXX XXXX XXXX XXXX and she refused to escalate my call or provide a resolution. She said that is a " rule '' and not a policy written anywhere. There is no way to update contact information online or speaking with a representative.
Product: Credit reporting or other personal consumer reports

****also see attachments as well**** I'm writing because all account numbers are reporting inaccurate on my reports. 

Im notifying you that the following account ( XXXX ) is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character ( defamation ). 

There's inaccuracies on my consumer report. All the account number are different and the law states the agencies shall follow maximum possible accuracies. ( SEE BELOW ) XXXX XXXX Code XXXX ( B ) - Compliance procedures ( 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. 

XXXX DELETE THE ACCOUNTS BELOW ( proof attached ) EQUIFAX XXXX XXXX XXXX  XXXX - Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX - XXXX ATTACHED ) they are reporting with inaccurate account numbers which is a violation under XXXX XXXX XXXX XXXX B ) so they XXXX XXXX XXXX these account like XXXX did XXXX