23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am sorry that this refers to a situation in the past. I have finally realized that it may be a part of the greater problems that were a part of Wells Fargo.
Over a year ago I asked the Wells Fargo representative who was involved in our mortgage refinance about doing it again, at the new, lower percentage.
He told me that " the company '' does not allow him to offer this to current clients.
This did not seem right to me, but I let it go and was not able to take advantage of the lower interest rates.
I failed to take action at that time, but now it seems that it might have been a part of the general illegal actions that Wells Fargo have been embroiled in over the last few years.
I am not sure what actions could address this, but would appreciate a response from Wells Fargo. And it just may have been experienced by others, who also have not taken any action. Thank you
Product: Mortgage

Mortgage was transferred from XXXX XXXX  to XXXX/LoanCare recently. I paid my monthly payment on their phone system and it charged me approximately {$800.00} over the amount that I had been paying to XXXX. I called to find out what happened and they said it was to put more money in Escrow. I have never received any document that explained the increase and why it needed to be paid all at once. I have the bill for the month and it has the old amount on the bill. After I got them on the phone, the agent was unable to determine why the system billed me the higher amount and was not able to offer any resolutions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXXXXXX called me XXXXXXXX XXXX  they called themselves XXXX XXXX badge number XXXX I blocked and they called XXXX to share my screen and get me to do fire fraud XXXX I tranfered XXXX to XXXX XXXX XXXX I called real wellsfargo to pause account I call the FBI around XXXX to make IC3 report they me to do it online then around XXXX I called to get account info to call XXXX XXXXXXXX XXXX and do the IC3 report I am told that they can't give it. So I go to the bank in person XXXX they also said they couldnt give to me :
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

I paid my two Conns account in XX/XX/XXXX. I have called several times but XX/XX/XXXX I spoke to a Conns rep and she stated that she shows the account settled and will send it to the review department AGAIN. This has been two months on going and still they report my credit as open and none payment .. delinquent.. for the full amount. I have letters of settlement by this company
Product: Money transfer, virtual currency, or money service

I use multiple exchanged for crypto including coinbase which has neved given me issues like this and robinhood which im writing about. I have over $ XXXX in my robinhood account and on XX/XX/XXXX after buying XXXX  to transfer to my one of my crypto wallets, robinhood locked and restricted my account with XXXX explanation and said i have to wait until they resolve this issue what issue is there? ive done nothing wrong and now my money is locked up i cant sell or transfer anything. ive been warned by so many people to not use robinhood and i finally learned my lesson. please any help because i dont know when they will do anything about this.
Product: Vehicle loan or lease

request was submitted to provide the Form1099-C for the settlement of debt cancelation payment of {$2500.00} made effective XXXX 2023 and it has not been received. Also the form of ID that was used to open the account because several letters from this auto loan has come with multiple errors in the name and address which has lead to misleading information, discrepancies an inaccurate reporting on the credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has violated my rights numerous times under 15 U.S.C 1681. 

In accordance with the Fair Credit Reporting Act XXXX XXXX account number # XXXX has violated my rights.

According to 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.

This Account was Opened Fraudulently without a written signature to show validation!
Product: Checking or savings account

On XX/XX/2019 my apartment at XXXX XXXX XXXX XXXX XXXX flooded and looted and I had to abandon the apartment and someone got a hold of my credentials and debit cards and fraudulently committed fraudulent charges and fraudulent transactions and depleted all of my Wells Fargo Bank accounts. XXXX XXXX XXXX and XXXX was affected by the financial fraud also but immediately accepted responsibility. Wells Fargo Bank has not accepted responsibility.I submitted DC police report XXXX.
Product: Credit card or prepaid card

On XX/XX/22 I submitted a payment in full using my credit unions online bill payment service to the XXXX XXXX by Marcus Sachs. The online bill payment system shows that a check was sent to MarcusXXXX XXXX and was scheduled to be paid by XX/XX/22. ( This was the due date on the bill from MarcusXXXX XXXX XXXX On XX/XX/22 the credit card company suspended card usage to my account claiming non payment and assessed a late fee and finance charge to my account. 

I contacted Marcus/XXXX numerous times to resolve the issue via phone and social media platforms. No one was able to resolve this issue to my satisfaction. 

MarcusXXXX claims that they could not find the payment in question and continued to restrict credit card usage. The check number, confirmation # and date of transaction were provided to MarcusXXXX on numerous occasions. 

I do not want this reported on my credit report as a late payment due to malfeasance on the part go MarcusXXXX credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have sent letters to the credit reporting agencies : XXXX, Transunion, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Received a call I thought was from my nephew, on Monday, XX/XX/XXXX who flew to New York for a friends wedding over the weekend.. He had a few drinks and got into an accident. No major injuries but said he did XXXX XXXX XXXX, this is why I thought he did sound a little muffled but he did still sound like my only nephew. I asked him if his wife knew. He said no and asked me not to say anything to anyone until he got home. He wanted to explain to her in person. He was just recently married. He was issued a XXXX and they would n't release him until he paid the woman he hit for her car repairs. Supposedly the wedding and accident was on Sunday and he had a flight to come home on Monday night. He said he was going to have his lawyer call me with the details of how to send {$1000.00} for the car repairs and if we could send it right away he could n't wait to come home. He sounded very scared!! I then received a call from his lawyer, XXXX XXXX who explained to us that we needed to do a wire to wire transfer from XXXX to XXXX to the state of New Jersey attention to a XXXX XXXX who was the woman 's lawyer and that it had to be cash. Never doubting this was not on the up and up, we sent the money via a debit card. A little while later, the same day, the lawyer called us again to say the woman he had hit had just come back to them to say she had ended up going to the hospital and wanted the money for that bill. We needed to send another {$1100.00}. We went back to the same XXXX but a different lady helped us and she had no problem sending them the money. We then received a call from the lawyer again telling us that the money had not gone through because XXXX should have only done one transfer per day. They were going to send us our money back but it would take about 5 days or so. He then wanted us to go to a XXXX XXXX at a XXXX to send the {$1100.00}. Of course we then suspected that we were being scammed. When we told him that we were not going to do that but that we were going to call my nephew 's wife, he hung up on me. We were finally able to reach my nephew to find out that it was not him calling us and that he was safe here in Illinois. My husband has gone to the bank, the local police and has called every government office we were told to. He found out from our bank that XXXX is not suppose to do more than one transfer for a person within one day. We are out both amounts of monies along with the XXXX fees. They really played on our emotions and it is a horrible feeling. We have the name and phone number of the lawyer and we have both of our XXXX receipts with reference codes, etc.
Product: Mortgage

I refinanced with security national then got collection notices before my payment was even due and i had made the payment, now t hey have failed to pay my homeowners insurance and that is included in my mortgage.
Product: Debt collection

Medical Breach of records and filed Ftc dispute and they Velocity Investment never contacted me and they are the third company trying this debt and they just send a lawyers letter threating a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit fraud on XXXX accounts that I did not open. XXXX XXXX XXXX XXXX XXXX All-State  XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX was opened onXX/XX/XXXX The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX XXXX and Equifax ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Dispute Letter for Unauthorized Inquiries XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am disputing unauthorized inquiries on my credit report. Below are the details of the disputed inquiries : Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX XXXX Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian XXXX Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian I did not authorize these inquiries. I request that the CFPB investigate and direct the companies to provide proof of my authorization. If no such proof can be provided, I request the removal of these inquiries from my credit report. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Attached are the relevant documents for your review and reference.
Product: Debt collection

false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 
" This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. 

The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 

XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND
Product: Checking or savings account

Well it has happened so many times already and the past and they haven't still gave some of my money back and I really need it to pay my bills I'm really behind, it has effected me and my family a lot and recently I have had transactions that I haven't authorized taken out my savings account by someone again I have made the money back but want that money I worked hard for back too and the money that was taken from me in the past too I had almost XXXX in my savings taken away from me and that's not ok at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and want my money back. The bank is Wells Fargo it happened multiple times and I lost money to XXXX too and never got it back XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX regarding authorized and fraudulent accounts activity, hard inquiries ony transunion report for the last 11 months with no success or resolution. XXXX refuses to delete incorrect information and accounts, inquiries that are not mine and also refuses to provide me with proof confirmed report after completing thier due diligence. I XXXX has repeatedly been asked to correct information on my credit report, such derogatories places a even gardree burden and we are desperately trying to recover from the pandemic. 
In the 11 months there has been 21 hard inquiries places on transunion report and despite the orher credit agencies Removing in accurate information transunion has yet to perform new diligence and and take the necessary steps that is needed to correct this ever
Product: Debt collection

This complaint is for the lack of caring or reading comprehension for my cfpd complaints as now USAA is closing my complaints without even reading them/ responding to them. 

USAA marked my complaint XXXX as Marked as a duplicate complaint on XX/XX/2022 even though I went through USAA responses and inserted my comments to their responses. It's obvious USAA does not care to communicate in a fair/reasonable way. 

I'm making this complaint because USAA says I'm making un-founded claims however I assure you USAA continues to make unfounded claims on my credit report and continues to lie and attempt to re-insert the accounts on a near-monthly basis. This complaint is to show how shady USAA can be and how they really don't care. 

Also, USAA claims " if you have any additional questions, XXXX XXXX '' however when you try to call you just get sent to voicemail, and the voicemail is never returned because USAA doesn't look into anything or care about getting back to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Bureau is erroneously reporting information that was corrected on my credit report by XXXX XXXX XXXX. The refusal to correct the information is causing my credit score to dip by over 50 points. XXXX XXXX XXXX has sent me documentation correcting the error and has also sent the same information to TransUnion. Instead of accurate reporting, the account now shows " Account closed with XXXX balance '' which is not true. The account should be reported specifically ( as stated by XXXX ) as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES.
Product: Debt collection

Company called Zelzer, Patrick and associates shows up at my Apartment all hours! They constantly ring the door bell annoying my neighbors in the building. 
Phone # XXXX.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Product: Money transfer, virtual currency, or money service

I 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: Credit card or prepaid card

Fraud charges to XXXX >10 years ago Balance of {$6000.00} Company filed for debt dispute with Midland Credit Management Case Number XXXX
Product: Money transfer, virtual currency, or money service

I 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.