23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : Wells Fargo Home Mortgage With reference to the above-mentioned Mortgage Company, I XXXX XXXX hereby wish to appeal the decision made by Wells Fargo to offer a Short Sale as the only option offered for keeping my home. 
I was afforded the opportunity to enter into a Forebearance arrangement due to the Pandemic which severely affected my ability to pay my mortgage as usual. 

Prior to the Pandemic Relief Program being initiated on my account, my husband lost his job which was the start of my hardships. This unfortunate situation was communicated to Wells Fargo who then allowed us to enter a hardship program. Whilst going through that hardship, COVID-19 struck the entire World at which point we entered into the Pandemic relief forebearance program. During the Pandemic, I lost my XXXX XXXX XXXX XXXX XXXX and within 7 months of her death XXXX XXXX XXXX XXXX XXXX XXXX. These along with other unfortunate situations was communicated to Wells Fargo, and created monstrous hardship for us, only to be told by Wells Fargo at the end of the Forebearance program that a modification was not possible. 
Of course, this news has left us now totally devastated as we were anticipating that Wells Fargo would have taken our circumstances fully into consideration and at least move our missed payments to the end of the mortgage and allow us to continue paying our monthly mortgage as we transitioned to normalcy once again. 
I consider the actions of Wells Fargo to be totally unfair and unreasonable, as I am now quite able to and have every intention to keep my home and every intention to continue paying my mortgage and meeting my obligation. We feel totally abused by Wells Fargo to say the least. Having paid tons of interest to the bank over the years and having accrued substantial equity, it seems quite unfair to have the rug pulled from under our feet without a reasonable option to recover by denying us a modification offer in spite of, the horrendous hardships we have been through during this very difficult time, is the reason I am appealing to your sense of humanity for your assistance on how to move forward in order to keep our home
Product: Debt collection

When I paid this debt, one of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.
Product: Credit reporting or other personal consumer reports

I am reaching out to address an issue concerning accounts that have no monthly historical data yet being reported negatively by your agency. You have also failed to notate this accounts as in dispute when I have disputed before. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is required to promptly remove these accounts from my credit report immediately.
Product: Debt collection

I have been paying on this account for over 10 years and I feel I have paid to much. The original amount owed was {$20000.00}, and the agreed amount is {$11000.00} I've paid this debt amount down to $ XXXXThe monthly payment is XXXX. The amount of the loan was {$5000.00}. They didn't explain to me about the high interest amount. I thought I had paid the full amount, but they turned this into a collection agency. The collection agency is XXXX XXXX XXXX XXXX. The original account number is XXXX and the current account number is XXXX ill you please investigate this company to see if this is legal Thank You.
Product: Mortgage

Hello, my name is XXXX XXXX XXXX I am a victim of wells Fargo foreclosure suit. I had a mortgage with Wells Fargo and they did not modify my mortgage to avoid foreclosure. 

They didn't allow me to put the owed amount on the back of my loan and told me I had to get out... Ultimately causing me to have to foreclose on the home. 

Here is my personal information to reach me XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX If you need any further information, please feel free to contact me via phone number above or via email. 

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

I have these items that does not belong to me and i want them to be removed from my credit. 

XXXX  1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I've been getting several phone calls from a company called Credence in which keeps calling me several times a day and harassing me. Not only do they call my personal phone but they also call my business phone number in which I've never given them nor did I give them my personal number.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to dispute a charge on my AMEX account XXXX 
Despite the fact that I have forwarded all the communications to dispute department it seems that AMEX dispute dept are just ignoring it. Below I will try to explain briefly. 
The transaction in question is listed on my account as XXXX XXXX XXXX XXXX of companies ( when googled you can see it as a scam company ) Contract which was signed by me XXXX XXXX, on XX/XX/2023 contains incorrect names that do not match the names of the parties involved in the agreement. 
Specifically my name XXXX XXXX is listed as XXXX XXXX. Since the names listed on contract are incorrect it is NOT LEGALLY BINDING, therefore I am requesting AMEX that the contract to be voided and charges reversed. 
I am requesting that this charge be removed from my account and any associated fees or interest be waived. I have attached a copy of merchants communications for your reference. 
Thank you for your prompt attention in this matter regards, XXXX XXXX
Product: Checking or savings account

On several occasions I would have money come up missing from my account, and my debit card was cancelled all the time because of the missing money when I went to the bank to find out what was going on, they always said that I was the one taking money out of my account, but didn't do because when this was happening it was usually in the middle of the night when I was sleeping, and one time it happened I miss placed my card in my room and couldn't find it, when I finally did find it in my room I was missing money from my account.when I went to ask about it they said it was me taking the money from my account because it was my chip being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable accounts showing on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term ofimprisonment of 2 years. 
An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
List Account/s here : Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX XXXX FTC reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of XXXX on my part. Also I felt I am being taken advantage and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX re : IC System Inc. 
I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I was alerted by XXXX XXXX about a debt of mine falling into " Collections '' I rushed to see what that was all about as I am very responsible with my debts and take care of my credit as best as possible. As I investigated I see on my Equifax report this supposed account with XXXX XXXX XXXX as being the culprit. Also at the same time I see a new " address '' of mine show up on the Equifax report as well. I do not recognize this XXXX, PA XXXX address at all. I have never lived anywhere outside of XXXX XXXX and have no business at all linking me to this electric utilities company and much less living in the state of Pennsylvania. I am certain this has to be a huge mistake by Equifax or my identity has been stolen. Oddly enough I have no other negative remarks on record nor anything else has shown up on either of the buraus monitored by XXXX XXXX or XXXX. I strive to keep my credit in top shape. All my accounts are in good standing. And I pride myself for being a responsible adult, specially in these matters. Nonetheless my biggest gripe apart from this huge burden being laid upon me, is that when attempting to file a dispute with Equifax as so graciously XXXX XXXX guides me to do, I am unable to do so as the forced process that requires me to log into MyEquifax seems to be broken. I've been trying to log in to complete this dispute claim and have this looked into yet every single time I attempt to I am met with a " We are temporarily unable to complete this request. Please try again later. '' message. It has been this way for the past 2 weeks almost and no help over the phone either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Per my compliance with the XXXX Credit Bureau, I have called and sent numerous letters in regard to the matter. I checked my credit report and I see an inquiry authorized on XXXX on XX/XX/2023, however, on the XXXX website the dates are different XX/XX/2023. I asked for the hard inquiry to be removed from my credit report, I did not authorize this to be done, and to show me proof that I authorized this credit card company to run my credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT DUE TO XXXX DATA BREACH NOW I DO HAVE ACCOUNTS THAT DO NOT BELONG TO ME THAT ARE BEING VERIFIED BY THE CREDIT REPORTING AGENCIES FURTHERMORE IT IS BEING REPORTED AS CHARGED OFF IN WHICH THEY DENY TO SSUE TAX DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted and removed the following account from my Experian credit report over 1 year ago for the account being a fraudulent account : XXXX  XXXX # : XXXX, balance # : {$2000.00}, Experian has put and listed the fraudulent account back on my credit report. The account is not my XXXX account. Im frustrated and tired of Experian putting fraudulent accounts on my Experian credit report after sending Experian the Federal Trade Commission Identity Theft Report and steady informing Experian Im a victim of identity theft, but Experian continues to put and list fraudulent accounts on my Experian credit report. Something has to be done about this recurring issue and problem. The U.S. government has to investigate these credit bureaus and take over the credit bureau industry because Experian, XXXX and XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and do whatever they want to do without following federal law and violating federal laws, by continuing to do the same thing putting fraudulent accounts and credit inquiries on peoples credit reports, even after receiving notification from people that, that person is a victim of identity theft, the account is fraudulent and unauthorized, and not that persons account. Experian continues to put fraudulent accounts they previously remove from my Experian credit report back on to my Experian credit report like the above XXXX XXXX account. Its very frustrating because it hurts and drops your FICO credit score instantly.
Product: Mortgage

XXXX XXXX when I called my Mortgage Co. asking on the status of my " auto pay '', the representative ( her name is XXXX ) told me that my auto pay has not been set up yet, so she advised me to pay by phone to avoid late fee, so I did. Today XXXX XXXX, Seterus ( a Mortgage Company ) charged me twice ( on my checking acct ) dated XXXX XXXX and XXXX XXXX. I called Seterus and I have requested to send the money back to my account but they say that they cant do that unless I request a letter from my bank. XXXX took the funds from my XXXX savings and they charged me for the transfer fee. I called my bank XXXX re : such letter that Seterus is asking but XXXX said that they cant issue letter to a XXXX party. I called Seterus again but they said that there 's nothing else that they can do but considered it as " advance pay '' for the next month. I have asked for the assurance that they I will not get double charged again but they cant give me XXXX. 
I hope that someone can help me regarding the situation, I want my money back on my account, I also hope Seterus will pay the transfee fee that XXXX charged me when they took the funds from my savings to cover. 
Please help.
Product: Checking or savings account

I am writing to formally file a complaint regarding the unacceptable treatment I have received after opening my accounts with USAA. When I initially applied, I was required to open my checking and savings accounts over the phone with an agent. I successfully opened and funded both accounts. Immediately after, I applied for a credit card, at which point my accounts were inexplicably blocked and locked. 

Not only have I been completely locked out from accessing my own money, but I have also been unable to speak to anyone over the phone regarding this issue. I was instructed to upload my ID, which I did, yet I have received no further communication or resolution. No one has been able to assist me, and there appears to be no avenue through which I can speak to a representative who can resolve this matter. This is entirely unacceptable. 

It is not uncommon for new members to open multiple products at once, including checking, savings, and credit card accounts. Using this as a justification for locking my accounts is not only unreasonable but also indicative of poor customer service practices. The inability to reach a representative who can provide assistance only exacerbates the issue, leaving me without access to my own funds and no way to resolve the situation. 

USAA must immediately remove the lock on my accounts and restore my ability to access my money and process my credit card application. The lack of support and transparency in this process is wholly unprofessional and deeply concerning. I expect an immediate response and a resolution to this matter without further delay. 

I demand prompt action to resolve this issue, and I expect to be contacted with a resolution immediately.