23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.
Product: Credit reporting

This account does not belong to me. I reside in California and it stating this account was for gas services in XXXX XXXX Nevada. I disputed this with XXXX and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Product: Money transfer, virtual currency, or money service

I was trying to buy concert tickets and the person on XXXX said to send money through XXXX. I said, " how do i know if i send you money you'll send me the tickets '' and they said " its a secure transfer through your bank ''. They gave me a phone number and a name to find on XXXX, I transferred the money ( XXXX ) and waited for the tickets. They never sent them and disappeared. I immediately called Wells Fargo and they opened a claim. Right after that I called non-emergency police and filed a claim as well as said to press charges if they find the criminal. I gave them the XXXX XXXX ID number, and all other information I had. Wells Fargo closed the claim and said I can resubmit with any new information, I tried again and it was closed again saying it was not fraudulent, and taking not helping with XXXX at all. I called to find out information, and all they said was they can not " go into someone else 's account and retract funds '' even with a police report. I issued a complaint on the phone then with Wells Fargo, and they said they'd mail me any updates. XXXX has no fraud department, and hangs up on you when trying to connect. I don't know what else to do at this point. 

Date of money transfer through Wells Fargo using XXXX : XX/XX/2019 Amount : XXXX
Product: Credit card or prepaid card

I've been trying to dispute a charge on my American Express since XXXX. I've submitted several pieces of documentation to American Express but they continue to reject my claim without a clear understanding of why. When I call the disputes department, I'm only told to resubmit new information. How can I provide information without knowing what American Express is looking for? 

Nonetheless, I've provided American Express proof that the vendor is misrepresenting facts, and the goods were not as described. I would appreciate if American Express would clearly state why they are rejecting my claim when I've provided sufficient evidence.
Product: Credit reporting or other personal consumer reports

This credit reporting agency is reporting inaccurate information. I am a victim of Identity theft and have reported this to the bureaus sent in the documentation and nothing has happened to resolve this matter. I have attached the identity theft report with misinformation and accounts opened fraudulently. 

According to the FCRA, Information shall not be furnished without my written consent. No one has my written consent to furnish inaccuracies that result in negative items being added to my report.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

A company which i originally thought was a scam continuously called my phone, I was told I owed money for a loan. I never took out a loan and or request one, the lady stated their was 2 loans taken out, I recently filed bankruptcy due to identity theft, I'm still getting calls about debts that I never authorized and or have any clue to who these companies are. I'm wanting them to investigate and send me all info that was used to get this loan. If not dis-associate me with this account and remove from your system.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXXnformation Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

Gla Collection Compa has sent a debt to all three credit bureaus of a {$32.00} debt that was handled by my Medicare and Medicaid. I have spoken to my Medicare insurance provider and they stated I shouldn't have any claims sent to the credit reporting agencies as this is an violation under the FTC under Medicare Filings act. XXXX XXXX XXXX XXXX sold the account to GLA collection which I notified GLA of this violation and they told me they was going to continue to report it anyway to the credit bureaus. I sent legal affidavits to the credit porting agencies and GLA keeps verifying the debt is in compliance of the FCRA which it isn't. Now I am requesting the CFPB to get involve, Medicare has stated to me several times to file with the CFPB against GLA, since GLA willful violates federal laws.
Product: Credit reporting 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 dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( 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 Balance : {$5200.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

My daughter has a loan with Sallie Mae. I am a co-signer. Times are bad so we did fall behind on the payments. I am helping her by making catch up payments for her account. In XXXX I talked to Sallie Mae loan dept to tell them of this. They kept asking for more payments as we spoke saying they did not receive recent ones. I told them I can not, but will continue the monthly pay. Tho they repeated they did not receive my last payment, my bank records did show the pay went thru. The staff was either lying or ... ..On XX/XX/2019 Sallie Mae called my wife, -- 5 times in 3 minutes -- son, brother and sister in law -- not even same last name -- to tell me to pay. BUT ... did NOT try to call myself or daughter. Shrug? Sallie Mae calls show on caller ID as unavailable. calls come on weekends but when trying to call back says only open Monday thru Friday. This tactic is harassment and will not result in my ability to afford to repay faster.
Product: Debt collection

Landlord fraudulently took security deposit then ceased all communication. Debt collection appears to be related to landlord but they did not provide verification, only sent the name of an XXXX, and used my former address as the creditors address. Debt collector did not respond when I requested the correct information and then reported debt to credit bureau.
Product: Mortgage

To whom it may concern, I have been in the process of refinancing my home through XXXX XXXX. My current mortgage company is Citimortgage. The process has been on hold for a month due to the lack of cooperation from Citimortgage. To complete the refinance I need to have a Verification of Mortgage from Citimortgage for both my accounts. In order to do this they needed to have a " letter of authorization '' from me. Which I have submitted several times. 
Currently, I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me, they can not fax it to XXXX, even with my authorization. Every time I call, I speak to a different individual, and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out, because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost, I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school, we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful, not XXXX customer service representative can be held responsible because you can never reach the same XXXX again. 

I am very frustrated, concerned that my refinance will not happen because of their gross neglect to respond to me or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX and Equifax credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact XXXX and Equifax to please remove these inquiries but in the end it turn to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I have a couple of problems with this company. 
The first is that they refuse to remove optional insurance from my account and tell me to call them. I emailed them from my account of record. 
The second is that I spoke with a woman at that office a couple of months ago and asked her to stop automatically billing me and she said that she did, but I was charged again this month. They took money out of my account without my permission. 
My other issue is that they refuse to send me the policy that allowed them to charge my account without my permission. 
They keep telling me to call them and they called me after I asked them not to. 
I feel that in addition to refusing to service me and my loan, taking money from my account without permission, and calling me without permission, they are also trying to avoid giving me documents in writing. 
When I do speak with them on the phone it seems that they don't do what I ask and they waste a tremendous amount of time on the phone. They're very slow when you get on the phone with them and the calls drag on for a long time with every interaction. 
I have additional phone records and emails showing that I canceled automatic payments and requests no calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENTAGON FEDERAL CR UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I have a Citi checking and savings, on XX/XX/XXXX there was a check presented writtem out mt account ending in XXXX for XXXX ( XXXX ) XXXX dollars. The fraud department phoned, I spoke with them and informed them that the check that was presented was not written out by me do not let it go through. They assured me it would not go through, the check did in fact go through thus promoting a fraud/hold on my account. After countless phone calls leading me no where I went into XXXX Citi banks meeting with bankers trying to get clarity on what was going on with my account, the banker at the last branch I went into assisted me in getting all the necessary documents signed and sent into the proper departments of Citibank back office. 

Was told that it would take 90 days for the investigation to take place. Not understanding why at minimum I can not receive a temporary credit and why it is taking so long for this internal investigation to take place when the check that was written is not my handwriting and or signature. 

I had to open a new account at a different bank in order to pay bills.
Product: Debt collection

SUNRISE CREDIT SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX Placed an account on my credit report without contacting me. They claim that I owe XXXX XXXX XXXX XXXX from 2011. I asked them to provide proof of ownership of original debt or delete from credit report, this account is past XXXX XXXX XXXX. I have never been contacted by this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure Experian is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification f
or dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in XX/XX/2020 that I had a late payment reported on my credit. XXXX XXXX holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ), Section 605B. This section mandates the removal of all fraudulent information from my credit report. 
Unauthorized accounts have been opened in my name without my consent, impacting my creditworthiness. I have filed a police report and notified the Federal Trade Commission ( FTC ) regarding this matter. 
I respectfully request that all fraudulent accounts and inquiries be investigated and removed promptly. Thank you for your attention to this urgent issue. I look forward to your swift response. A LIST OF THE FRAUDULENT ACCOUNTS AND INQUIRIES : 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

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

I am frustrated by the ongoing merging of my credit file with someone sharing a similar name. Despite assurances from banks, the erroneous accounts remain on my report. 
Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Self lenders said that I had an account in which I never had an account with them! I was a victim of XXXX XXXX.I provided police reports and all documentation that was need to show inaccurate information.It was in the amount of XXXX account number XXXX.
Product: Credit reporting or other personal consumer reports

I have detected unauthorized inquires on my credit report. They are from : XXXX XXXXXXXX on XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/year>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