23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX WF Crd Svc ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX  ( XXXX ) Type : XXXX XXXX XXXX/Automotive Date : XX/XX/XXXX XXXX FL XXXX XXXX  ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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. 
XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Mortgage

I was behind on my mortgage payments, and in XX/XX/2022 was sendind documents like income taxes to the mortgage company to apply for a loan modification & in XX/XX/XXXX I sufferred XXXX XXXX & get in XXXX XXXXXXXX here in XXXX XXXX, Texas, been in hospital since that date & the mortgage company set up my property for a foreclosure on XX/XX/2022.
Product: Credit card or prepaid card

I applied for and obtained a {$500.00} secured credit card ( ending in XXXX ) around XXXX. I misplaced my card and got a new card that I never activated and had a XXXX balance. I received an email late XXXX from a credit agency alerting me that my credit score had dropped severely. I was told because of non-payments with my credit card. I contacted Wells Fargo and was told that I had an outstanding balance of {$510.00} and that my card had been cancelled and the {$500.00} security had been used towards my balance and I owed them {$14.00}. I objected and informed them how could this be when I never activated the card and it hasn't been used not even once. I was then informed the fees was because of an overdraft facility for one of my other accounts and that I had agreed to have overdraft protection for my checking account tied to secured card. I informed them I never agreed to any such thing and that I wanted a full refund of my {$510.00} secured card and to have the items removed from my credit report. I was forwarded to the " executive office '' and had a case # XXXX with a gentleman named XXXX. Wells Fargo and I have been going back and forth to my dissatisfaction. I was offered {$140.00} credit along with {$50.00} good will several times and to which I have refused. 

Wells Fargo informed me back in the first quarter of XXXX that they were going to contact me as the case was sent to investigations department. I called them today and was told the case was resolved in XXXX and that I owe {$14.00} but that they will credit me {$140.00} and a {$50.00} goodwill. I inquired as to why I wasn't being refunded the entire {$500.00}, I was informed that because I paid the overdraft fees in the past, I basically accepted the overdraft protection fees. I informed the agent that I had several accounts with the bank and that when a person sees there account in the negative, they pay the outstanding fees and that's all I did. I never knew, agreed to, or was aware that I was paying overdraft fees or that my secured credit was being charged these fees because I never activated the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and Transunion. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with XXXX XXXX. I tried disputing this with TransUnion again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. XXXX XXXX is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. TransUnion refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
Product: Credit reporting or other personal consumer reports

15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identify theft Instruction : as a consumer by law this account must be deleted immediately this account is inaccurate or pay fine of {$1000.00} per violaition none of the accounts or inquiries attached are mine - please removed this. this is affecting me and i have a XXXX XXXX  and dont deserve for my credit to be reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I was using cash app and someone hacked my account and took XXXX on XX/XX/2020 and also XXXX XX/XX/2020 I emailed cash XX/XX/XXXX and they told me i couldnt do anything unless request a refund, which wouldnt make sense because someone hacked me.
Product: Debt collection

They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter onXX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
Product: Consumer Loan

I have been cheated by Wells Fargo! They were to set me up on an interest free payment plan, and I trusted them to do that. However, they set me up on a payment plan that took me way beyond the interest free date and even though I paid more than was required each month, I 'm now stuck paying almost {$300.00} in interest, as well. Wells Fargo really sucks! I will avoid doing business with them in the future.
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 ( CPFA ). 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 Funds 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

On XXXX I received a letter from Resurgent Capital Services. The letter stated that enclosed was a document that I request. I requested validation of an alleged dept pursuant to 15 USC 1692g. All I received was a statement detailing false information, such as listing XXXX XXXX  as an original creditor, where 15 U.S. Code 1692a defines a creditor as " any person who offers or extends credit '' which in fact XXXX XXXX  can not do. This statement along with the attached document is a violation of 15 U.S. Code 1692j, as I requested validation but instead was issued a deceptive form of a statement and a letter stating than an alleged debt was owed, which is also a violation of 15 USC 1692b ( 2 ) which details how a debt collector shall " not state that such consumer owes any debt ''. Additionaly this organization has violated USC 1681 ( 4 ) of the FCRA when they obtained my location information from an unauthorized 3rd party " LVNV Funding '' and then contacted me without my receiving " prior consent '' as mandated in 15 USC 1692c of the FDCPA. Pursuant to federal law, this organization has violated several laws of the FDCPA as well as FCRA and is liable for both willful and civil negligence. This negligence has tarnished my reputation, as well damaged my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. XXXX showed a zero balance on this loan as of XX/XX/2021. I contacted XXXX in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am 180 days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. Experian is the only agency reporting this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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
Product: Mortgage

I received a letter in the mail for a 1.75 % VA XXXX loan refinance from ClearPath Lending on XX/XX/2021. I called ClearPath lending the next morning and asked them about qualifying for the letter I received in the mail and they said ... after a lengthy conversation that " that programs quota has been filled up for the month and that I should call them back after XX/XX/XXXX as they only allot 300 of these every month. '' This is a classic bait and switch in which the consumer receives a piece of mail offering a mortgage and terms and then do not make that product available to the consumer.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willf
ul noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

Wells Fargo Credit Card opened in my name without my permission or knowledge, person ran up over {$50000.00} in debt before I became aware of the problem, canceled the card immediately upon knowledge. 
Wells Fargo refused any help with the matter, this was during the time period of fraud the CFPB fined Wells Fargo {>= $1,000,000} but before the problem was made public. 
I 'm looking for restitution and penalties and restoration of my financial credit reporting.
Product: Credit card or prepaid card

Their autopay system failed to process my payements even though I had funds in my account. I reached out to their team but they just won't give me straight answers as to what happened. 

This already negatively impacted my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifaxs willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests, Equifax has failed to verify or remove an unverified derogatory account and impermissible inquiries on my credit report. 
1. Unverified Account : Name of Account : XXXX of XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Status : Open Equifax has failed to provide documentation verifying this account. Under FCRA Section 611 ( 5 ) ( A ), Equifax must delete any information that can not be verified. 
2. Impermissible Inquiries : Hard Inquiries : These inquiries are not tied to credit products I currently hold, violating FCRA Section 604 ( a ). 
Soft Inquiries : These inquiries are unrelated to legitimate purposes or products I hold. 
Promotional Inquiries : Promotional inquiries must meet prescreening requirements under FCRA Section 604 ( c ). Equifax has failed to demonstrate that these inquiries serve a legitimate purpose.

Identity Theft Report Filed : In XX/XX/XXXX, I filed an identity theft report with the federal government regarding fraudulent activity on my credit report. Under FCRA Section 605B, Equifax is required to block or remove all fraudulent or unauthorized information within four business days. Despite this, the unverified account and impermissible inquiries remain on 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my account, then locked me out my account preventing me from paying my bill and then wrote my balance off and sold the debt giving me a collection account on my credit even though I was still current on my monthly minimum payment. Then ignored all attempts of contact including the XXXX.
Product: Credit card or prepaid card

I strongly believe that Comenity Bank is purposely not offering automatic payments in order to collect as many late fees as they can from their consumers. 

I have a Victorias Secret credit card provided through Comenity Bank. I hardly use this card, and when I do I always make my payments on time and or in full. Comenity Bank does NOT offer automatic payments and I have never been able to schedule more than 2 payments at a time. I missed forgot to keep scheduling the payments ( my ONLY card that doesn't do autopayments ) and it is now showing on my credit report as 30 days late. The late charge was refunded to me and I paid the balance in full, but they will not update my credit report.
Product: Credit card or prepaid card

I FILED MY XXXX TAXES WITH A TAX PROFESSIONAL AND I GIVING THEM MY DIRECT DEPOSIT INFO TO HAVE MY REFUND DEPOSITED THERE SOME WAY MY DIRECT DEPOSIT INFO WAS CHANGED SOMEONE OPENED UP A NET SPEND PRE-PAID CARD IN MY NAME WITH MY SOCIAL SECURITY NUMBERS AND HAD MY TAX REFUND SENT THERE AND THEN SPENT ALL THE FUNDS I CONTACTED NET SPEND WHO COULDNT TELL ME WHERE THE PREPAID CARD WAS MAILED TO OR RECOVER BACK ANY OF THE FUNDS THEY SAID I ACTIVATED THE CARD. THEY SAID ON XX/XX/XXXX THE CARD WAS ACTIVATED FROM A PHONE NUMBER. IP ADDRESS OR DEVICE LINKED TO ME AND WOULD NOT ISSUE THOSE FUNDS BACK TO ME THEY CLOSED THE ACCOUNT ON XX/XX/XXXX THE DEPOSIT WAS MADE ON THE CARD XX/XX/XXXX XXXX HAVE CONTACTED THE IRS TO DO A TRACE ALSO FILED A POLICE REPORT AND A REPORT WITH THE FEDERAL TRADE COMMISION I ALSO PROVIDED NETSPEND WITH PROOF OF MY ADDRESS.
Product: Credit card

We received a statement for {$3000.00} with bunch of different charges from different states not everything was local and that card was not activated at all.
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Filed a dispute with the XXXX credit agencies ( XXXX, XXXX and Experian ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company continues to report a debt on my credit report in violation of the FDCPA despite payment having been made in full. Attached is a picture of cleared payment.