23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage has yet to say why on the day of the California All Purpose Document for Corrections & Power Attorney to why it was presented before me and all the other documents I sign with and by my signature was presented. At the time there should not have been no Notary signing for me or making financial arrangements and making choices on there behalf. It is real strange that it was sign and Notarize by the same person but stated I personally appeared in which I did not. Wells Fargo home Mortgage committed fraud and has yet to justify the document in any truth nothing but deception on there part. 
I'm tired of the games and run around by Wells Fargo to this matter at hand.
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 {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
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 for 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 {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2.  XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report with Experian almost daily. my score was XXXX and for no reason it dropped XXXX points. When i asked why this is the answer i got " We are not licensed credit advisors. That is not what we do. '' I also check my transunion report and it went up XXXX points to XXXX at the same time the other dropped XXXX points. They refuse to give me a reasone and nothing has changed on my report or my credit. I feel they need to put it back where it was or at least give me a valid reason as to why this happened.
Product: Checking or savings account

I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dir Sir/Madam Have A Great Day This is the fourth time complaint to remove 2 unauthorized hard inquiry from XXXX   Agency and after submitted them letter you were provided they didn't want to remove them so i'm ask you please contact them to remove this unauthorized hard inquiry impact my credit score and report Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

The Debt Collector GC Services is collecting on a Fraudulent account that is not mines and is violating FDCPA laws that are supposedly designed to protect me as an original creditor. 

Them and XXXX XXXX are acting against my rights and defaming my character since I can not get a mortgage and enjoy XXXX holidays with my family. 

Stop this fraudulent activity to help me have a happy holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Debt collection

A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much
Product: Checking or savings account

My account is on freeze because my husband is a co-holder of the account and he had a problem with the bank with ANOTHER personal account, so they blocked both accounts. Now my account which im the MAIN holder, doesnt have any irregular activity. All the money i have has been deposited from my job and has nothing to do with whatever investigation they are doing with my husbands other account. I have {$1900.00} on hold and all my payments including rent, credit cards, utilities and food are unpaid which is affecting my credit and my family is going through a huge hardship situation because i can not even take out the money that is proven that comes from my jobs. Capital one closed and restricted my account without me doing ANY type of irregular activity and without me even being aware of whatever situation my co-holder is going through with them..
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Fein Such and Crane continually disregard the Complaint and bring in other issues to distract what the Complaint really is. 
**First they contend that I made no payments since XX/XX/XXXX that is inaccurate as stated in their response I entered in to modifications in which payments were made. There was a payment of {$94000.00} made that is not shown anywhere, Fein Such and Crane was a DEBT COLLECTOR I disputed the debt and the amount due to them repeatedly with NO RESPONSE That is a Violation of the Debt collector act ( WHICH FALLS UNDER CONSUMER FINANCE PROTECTION BUREAU ) I submitted copies to the Servicers received confirmation they received the copies yet no one would show where the payments went ***Second they failed to mention the Loss Mitigation that was submitted to XXXX  5 days before they filed for the Foreclosure Judgement. They claim that they stopped proceedings when they were informed there was a pending modification as the ATTORNEY it is their responsibility not to DUAL TRACK A LOAN which they did on 6 different occasions. This is also a violation that falls under Consumer Finance Protection Regulations and the Justice department for repeatedly violating the law. 
***Third since the law firm and the servicers refused to show where my payments went and I did not want to lose my home I requested a payoff repeatedly so I could pay the mortgage before the sale Fein Such and Crane sent the payoff letter to me the day of the sale so I could not purchase the home.

***My foreclosure was not because I could not pay the loan it was because the payments were repeatedly misapplied put in suspense accounts and the debt collectors refusal to show where the payments were applied. If no payments were received AS AGAIN STATED IN THEIR RESPONSE and affirmed in numerous court documents who got tthis money from payments SHOWN AS RECEIVED  IN XXXX XXXX and XXXX on a print out from XXXX  who also states they received no money YET IT IS SHOWN HERE
Product: Mortgage

I was notified on XX/XX/2023 by my homeowners insurance company, XXXX, that they are canceling my insurance in 11 days due to non payment. 

I was shocked my lender forgot to pay it, as my homeowners insurancr and property taxes are paid out of an escrow account they hold. I have called to tell them the problem and only been hung up on. 

Please see attachement of the email I received from my insurance company.
Product: Debt collection

I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE
Product: Debt collection

In XXXX I noticed false charges on my account for a supplement from XXXX XXXX XXXX that I did not order. I submitted a dispute with my bank and the charge was removed. However the company attempted to bill me continuously. I called their company, and they had an automated only call back system with no option to speak with a live representative. The call system provided the option to send back the product in order to dissolve charges or if there was no package to return, to dissolve charge without returning of the package. Since I had no package, and there was no way to speak to anyone about the fraudulent charge, I requested that the charge be canceled without returning any product. The automated message confirmed the charge was removed, there was no outstanding balance, and the account was closed. I called back to double check and there was no charges pending. Months later I began getting calls from a collector threatening my credit score if I did not pay. I explained the situation and they denied that the charges were dropped by the company. They claimed the package was sent to my address, however I never received any package and I already communicated it was a fraudulent charge. I eventually submitted a complaint with the XXXX against XXXX XXXX XXXX XXXX In XXXX XXXX responded back apologizing for the mistake and resolved to remove the false charges and clear my account- which they already claimed to have done. I hadnt heard anything since and this month the collector began contacting me again threatening my nonpayment. I communicated the false charge had been acknowledged and resolved with the company, but was told it was not resolved and they would mark my account as refusal to pay. Im at a loss for what to do at this point. The company was a scam, their automated messaging was a scam, and their response to XXXX was also a lie. I have reached out to XXXX to request copys of the conversation with XXXX for me to submit.
Product: Money transfer, virtual currency, or money service

This is involving Copper Financial. 


I am XXXX XXXX mom ) and have an account with my XXXX daughter. We have had an account for a couple of years ; my daughter has been working and depositing paychecks lately. She had {$1500.00} in her account. I had around {$30.00} in there. 

We got an email on XX/XX/year>, that they decided to discontinue the deposit account and debit card. They said they expect the account to close the next day and will transfer money to the linked account or send an automatic check. 

I contacted their customer support check. They verified they had our right address and would receive a check in 14 days. 

We then got an email on XX/XX/year>, stating they were notified that one of their partner banks issued a freeze on account transactions and our account was affected. They said there is a delay and funds are safe. 

I went on the site today and it is a chatbot only available. It also shows a transaction from my daughter to me on XX/XX/XXXX of {$620.00}. We did not do this as we could not touch the money starting XX/XX/XXXX. 

However, this is unacceptable and my daughter needs her money to live on. 

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

I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.
Product: Debt collection

Capitol One claimed to have sent IRS a XXXX for a ten year old debt that I own them, the IRS contacted me saying that I owe them about XXXX and some because Capital One sent them a XXXX saying I owed this amount of money, and kelp the owed amount in the Credit agency even after I paid the amount to IRS. I call to get a copy of this XXXX about three times or more, and never received it. This been going on for about two years now.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

both of my credit cards have been reported as closed by consumer, which is not true, both of them are open being used by me and have perfect payments history.
Product: Credit reporting or other personal consumer reports

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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, {$460.00} was fraudulently transferred out of my checking account by Venmo. The unauthorized transfer was to a vendor I hadn't used in over a year. After reporting the incident to Venmo, they froze my account, which prevented the vendor from sending the funds back to me. Although Venmo recovered the funds from the vendor, they have kept my account in a suspended/frozen status, and they will not permit me to transfer the funds back to my checking account. I've contacted them several times by e-mail and phone. They are insisting I send a photo of a Govt ID and a " selfie ''. I have told them I will not provide them with additional personally identifying information as their platform is obviously not secure. This type of information can facilitate additional fraudulent activity. I want them to unfreeze my account so that I can transfer my funds back to my checking account and permanently close this Venmo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent the customer relations department the following secured message : " I will be traveling to the state of Nevada ( XXXX XXXX and surrounding area ) beginning XX/XX/XXXX through XX/XX/XXXX. Please notate my account accordingly. Thank you. '' That same day I received an automated ( canned ) response from the credit card company that said the following : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED. 

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online screen. '' I responded advising the company that I had already notified them of the specific dates and location of my travel. And that it is unknow to me what amounts I will be charging, nor the number of transactions I will be making. It is my assumption that I am permitted to use the credit card in a fashion that I see fit to within the limits of my available credit. 
Citi Bank has refused to assist me with this matter and is requiring me to speak to them personally. This is something that is very time consuming and a simple notation should be permissible on my account using a secured message portal on their system. This company continues to refuse to address my legitimate concern and I am filing a formal complaint against them with your office in order to have my legitimate customer service matter addressed.
Product: Debt collection

i lived in la mirage apartments in XX/XX/XXXX with another person name XXXX XXXX. when we moved out he gave them his forwarding address. they sent him that we owe {$590.00}. i wasnt aware of that.in XX/XX/XXXX i got a call from FCO saying i owe {$590.00}, i told them that that 's the first time i hear about it and that i can pay my half and they would have to contact XXXX for the other half. i asked if itll show on my credit report and they said no if i pay it. they did end up putting it on my report as " settled amount paid less then original amount '' .its been on my credit report for 5.5 years already. i sent them over 20 letters and called them more then 10 times. theyve been nothing but rude and hang up the phone on me saying there 's nothing they can do and " why am i calling you already paid us '' .i sumbit a compliant with the FTC and the company 's response was that they listened to the recordings from their orignall call 5.5 years ago and that they didnt promise me it wont be on my report. i called them today XX/XX/XXXX and asked for the reecording and they hang up the phone on me. i called again and asked for a manager and after 30 min on hold he told me i can send you a letter that you paid and you owe us {$0.00}. when i told him i do n't need that i need a deletion letter or a copy of the recording so i can give it to my lawyer he hung up the phone on me again. i dont know what else to do with this company. they are the only collection account i have on my report and they 're messing up my credit when i dont deserve it.