23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a U.S. military service member currently assigned to XXXX XXXX. At this time my military paycheck is made payable to Wells Fargo bank. Trying to transfer my funds from Wells Fargo to a bank account that is capable of paying my rent here in XXXX has resulted in a " sorry sir we can not make this happen '' based on the fact that a authorization code isn't able to be sent to my XXXX number even though there is a branch available in XXXX. There was never a warning at any time that stated that at any time that I were enlisted and chosen by the U.S. government to serve overseas that I would not have access to my deposited funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXXXXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX, Equifax and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Owed : {$85.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$79.00}
Product: Mortgage

Complaint number amendment XXXX didnt see an option to amend complaints but I believe the fact that Mr. cooper instructs its reps to state if you cant pay up the forebearance all at once upon ending that the customer must refinance. As a sub server of XXXX XXXX, they should know better, and my fear is that this is forcing people, who dont research everything like I do, are unecceassilly stressed and may lose their homes. There are numerous options and Mr. cooper is directing XXXX to tell struggling home owners only two options. Im not holding my breath as Ive seen so much corruption with the banks after my mothers account was embezzled and your agency did nothing about it, despite the laws of the state we are in and the branch was based out of, they certainly broke the law, so I take these acts with a grain of salt, sadly, but by definition, this is a violation of the truth and lending act.
Product: Checking or savings account

I have been trying to close my CHASE account for months. I withdrew all the money in there so that my bank balance is XXXX. Then i went into the app and requested via their secure messaging service to close the account. After a few back and forth messages they eventually said the account was closed. However, I received no official confirmation of its closure and I realised that my account was still open. So I messaged them a few more times until they again said it was closed. Now on my online profile it no longer showed the account. But it was clear that the profile was still active and had not been closed. They said it was closed. 

However I am still receiving emails from Chase. Even today, I received an email from Chase saying that my online statement for my account is ready for viewing. If my account is closed, why would I be receiving such an email? 

It seems to me that Chase is trying to retain my account and refusing to close it properly. Chase has no right to keep all this and keep my data when i close the account. I do not want any association with the bank and I want the account properly closed, my profile deleted and all my private information deleted from Chase 's servers.
Product: Debt collection

The company due to data breaching. My personal information is out on the XXXX XXXX It has eliminated me from open up eternal bank accounts as well as getting mortgages as well as getting higher extended credit on my existing credit line. I have disputed charges due to incorrect information that was on the credit reports as well as information that was submitted due to identity theft, incorrect addresses as well as incorrect information that was utilized in my name. I have requested this information with proof of being my debt and I have not got any response regarding this matter. I am looking into more in-depth information that would exceed to dismiss this that or debts in collections as well as information that is on my credit that is not correct in existing in the proper manner
Product: Debt collection

They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX.
Product: Mortgage

Trying to apply for a loan. Credit report shows a mortgage is still open. Mortgage has been paid in Full since 2003. Second mortgage also paid in full. We owe nothing on XXXX XXXX XXXX dwelling. Thank you
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX for a the original singed agreement document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX County Clerk Of Courts and began employment XXXX 2007 and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in 2007 I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to Experian, XXXX, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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. I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$1000.00}. 

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: Mortgage

On XXXX XXXX, XXXX we received a discharge on our Chapter XXXX. Shortly after, we got a modification on our first mortgage with XXXX. XXXX was unable to find the paperwork on the HELO loan. This resulted in XXXX filing a foreclosure. On or about XXXX XXXX, XXXX, Chapter XXXX was filed. It was agreed that {$500.00} per month would be paid to XXXX until the back interest was paid. 

On XXXX XXXX, XXXX, XXXX transferred the servicing of the XXXX Mortgage to Seterus. At the time of the transfer, the XXXX Mortgage was current. The following has become an issue:XXXX Seterus claims that the XXXX Mortgage is in default. 
XXXX. Seterus applied to the court to get the payments for the HELO transferred to themXXXX. Seterus will not give statements showing any credits to the account for the regular payments made by me and the payments they fraudulently received from the trustee. 
XXXX. Seterus did not respond to the " Notice of Error/Information Request/QWR '' thus violating itXXXX. The Chapter XXXX payments have been redirected back to XXXX but Seterus has not returned the payments collected back to XXXX. 

A letter Notice of Error/Information Request/QWR ( See Attached ) letter was sent to XXXX and Seterus to address these issues. While XXXX has been diligent in trying to rectify the issues, Seterus has all but ignored them. The only response from Seterus was that the claim is valid. I never asked for confirmation of the claim. I will attach a copy of the QWR. It is my contention that Seterus is acting in a manner to force the loan into default.
Product: Debt collection

I do not recognize this debt, amounting in {$1200.00} reported to XXXX & XXXX but not to XXXX. Which makes this collection inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX  and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Product: Checking or savings account

We visited Wells Fargo Bank on XX/XX/XXXX and met with the banker to report missing funds from my moms High Yield retirement account. She is missing over {$45000.00} from her retirement account. The Banker acknowledged that someone has committed fraud activity at the local bank ATMs and stores making unauthorized cash withdrawals for over 15 months. The Banker contacted another bank manager to request a photo or video of a recent ATM cash transaction so we could view it and ID the possible perpetrator. She stated that the photo was not available? The Banker also refused to reinstate her lost funds that we requested on our visit. We left the Bank that day feeling that Wells Fargo will take care of this serious situation and start an investigation. This has not been the case. Wells Fargo has been obstructive, negligent, and abusive and making false accusations against our family on this fraud reported case. They notified us that we did not want to have this investigated. This is a flat out lie and has been in disputed by us with Wells Fargo bank branch, Well Fargo customer Grievance case #, Wells Fargo executive office case #, the police, XXXX  XXXX XXXX   and legal attorney. Wells Fargo has refused to investigate this matter for the past 6 months ( today is XX/XX/XXXX ) since our complaint. No resolution or investigation. You can't make this up stuff up. Wells Fargo will not produce a photo or video of the criminal that made these fraud withdrawals adding up to {$45000.00} ( over 100 Fraud ATM withdrawals of {$300.00} per transactions, like 8-9 times per month for 15 months ). My mom is still without her stolen funds from her retirement account. I have well documented this activity with sent and received emails. Read the article on Wells Fargo. XXXX : XXXX This is our situation. Well Fargo bank needs to be investigated seriously and elder people accounts seem to be the targets. What happened to Wells Fargo Security software to red flag these very frequent ATM withdrawals monthly? No customer notification to verify frequent ATM Daily maximum withdrawal transactions for over 15 months. Something is very wrong and suspicious. Still no resolution? What do you do as a customer, Media exposure to force the issue? The criminal is still out there probably targeting another senior. 
After all the Wells Fargo false accusations, Refusing to reinstate her lost funds, stating dishonest lies that we did not want an investigation after reporting it XX/XX/XXXX, reporting our family to XXXX XXXX XXXX with no proof of wrong doings, reporting us to the police who questioned our family for 4 hours at the police station with aggressive accusations and refusing to produce any photo or video of the ATM fraud perpetrator. We have been very cooperative. Wells Fargo bank, we do not trust at any customer level at this point. This will require an escalation procedure, not just the local and bureaucratic bad actors we have been dealing with for the past 6 months with no resolution. This is a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.
Product: Mortgage

My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX
Product: Debt collection

I am the victim of identity theft. I have notified SPS/Select Portfolio Servicing on XX/XX/XXXX and XXXX of XXXX  and again on XX/XX/2020 to CEASE AND DESIST THE ATTEMPT TO COLLECT OR TO REPORT THIS FRAUDULENT DEBT. 
I have mailed numerous letters which I have attached to SPS/Select Portfolio Servicing notifying them that I will only speak to the original creditor of this fraudulent debt. 

Please see letters sent to SPS/Select Portfolio Servicing.
Product: Credit reporting or other personal consumer reports

My consumer report shows identity theft-linked accounts I never authorized. I recently informed you of this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have prevented key financial goals like buying a home and supporting my family.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is clearly stated on all credit bureaus. My mortgage company was hacked and my name, address, date of birth, and social security number were sold to the dark web. I was not notified of this data breach until 6 month after the incident which allowed my information to run rampant. Several utility agencies and apartment complexes have been opened using my information. I have spent 2 years with collections hitting the credit bureaus and me disputing them. This is usually never an issue, I am able to supply police reports, the initial letter from my mortgage company stating the data breech, my license, and the federal identity theft report. Usually the collection agencies and apartment complexes see the evidence and immediately take it off my credit report. However, source receivables mng and XXXX XXXX XXXX have deemed that I guess I am untruthful and not a victim of identity theft and they have told XXXX that the account should remain in collection. I am a victim of a crime and have supplied the proof. They have supplied me no actual information such as the date this account was opened, which apartment complex, etc. I also have alerts and freezes on my social so I am curious of the date of this account opening because I was never contacted by XXXX XXXX XXXX to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding account Acct starting with XXXX I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. This company is refusing or neglecting to address my inquiries in a timely matter as required by law. I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions