23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my home to foreclosure forced by Wells Fargo. They forced me into default over refusing house payments. Refused to allow a finance company I signed up with to escrow taxes and insurance and pay off taxes to Wells Fargo they stated they paid. They refused to modify loan saying XXXX XXXX would not allow it. That was because XXXX XXXX investigated and learned Wells Fargo had provided me with a predatory loan. XXXX XXXX forced Wells Fargo to buy back all their predatory loans sold to XXXX XXXX. Mine was one of them.I tried again for a modification knowing I had a predatory loan and could not afford a lawyer to help me get my money back or get a new loan.Wells Fargo sold my loan they had to buy back from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. The new servicer was XXXX XXXX who pushed for fast foreclosures on discount properties sold by Well Fargo. Those properties and loans were those they had to buy back due to them being predatory and fraudulent loans. The victims are the homeowners who lost their homes.. Wells Fargo collected from insurance, XXXX XXXX and homeowners. The results were, I lost our home and to date am renting at high cost. I lost my investment of XXXX. Paid to Wells Fargo for a loan that was set to take my money and home by Wells Fargo who did enrich themselves, causing me complete loss and my family and I am still suffering from the damages. I have never been compensated by Wells Fargo for causing this harm to my family and i.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Credit Collection Servic Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email . 

I appreciate your prompt attention to this matter and look forward to a resolution. 

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

In accordance with the Fair Credit Reporting Act. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I was denied credit and found USAA Bank Fraudulent account on my credit reports.
Product: Money transfer, virtual currency, or money service

I was buying a dog and got scammed. I sent {$750.00} through XXXX on XXXX and then today, XXXX I sent {$1400.00} and {$2000.00} through XXXX. 

They said the dog needed a crate. They said the dog needed insurance. Dont ever pay more.
Product: Credit reporting or other personal consumer reports

One Main Financial has my Dad 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my Dad 's SS would be resolved. 

Since then I have continued to receive over 7 calls a week from One Main Financial, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my Dad 's social and lying about the manager advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my Dad 's social security number from the loan. 

They are continuing to call me multiple times per week, around 9 times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.
Product: Checking or savings account

I opened a business account with Citizens bank a few years back and put about {$1000.00} into the account for spending on business expenses. The purpose of the account was to show I wasn't using personal funds when it comes time for taxes. It was never to pay people or send money to others because my business operations does not require me to ever do that. In fact, all my years of operation, I have never had to send funds to another person or bank account from my own business. 

I didn't use the funds because I never needed to spend the money and the account became dormant from inactivity. In addition, I can not access the account despite my efforts to do so online which means I was not monitoring the monthly statements. 

I went to a local bank / teller to close the business account only to discover about {$120.00} is missing due to various fees. I ask what happened ( since I still can not see the statements ) and they said I signed up for a service called XXXX which I had never heard of. The teller also had never heard of it. The XXXX XXXX at that bank location ( XXXXXXXX XXXX XXXX  also never came across anyone who had ever been charged for " XXXX '' service. Everyone I spoke to at the branch agreed it sounded strange and understood why I would have no need for this service. 

Citizens bank phone Customer support claims I electronically signed up for this service back in XX/XX/2022 which I do not have a memory or a record of doing. I never would have wanted this service because it works the same way as XXXX which was already a tool for money transfer built into their online banking portal... therefore, I have no use for XXXX in any situation. Citizens bank only stopped charging me for it because they stopped using it as a bank. I was also never notified that my subscription to XXXX was cancelled. 

Upon reading about XXXX online, no where on the internet does anyone say they subscribed to it on a monthly basis and were charged for it on a monthly basis. I found an entirely different model for XXXX pricing. 

Out of the approximately {$120.00} in fees I was charged, they are telling me they can not refund it all and are providing no advice or path forward. They are saying they can't provide proof that I signed up for this service. They are saying they can't refund the fees in full because of annual " limits '' to refunding per account. If they can't show a record of me signing up, I don't see how it's legal for them to keep my money. If they have done this to many dormant business accounts, this sounds like a class action lawsuit waiting to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

The lease term for the XXXX BMW was for 36 months. 
The monthly payment was {$1000.00}, equaling {$36000.00} for the full lease term. 

The {$51000.00} balance as of the recovery rate on the document is incorrect. Being a LEASE and not a financed vehicle, I am not responsible for the full balance of the cost of the vehicle. I am only responsible for the 36-month lease. 
Of the 36-month lease, I paid - {$13000.00} not including the trade-in of the XXXX BMW valuing {$8700.00} XXXX 

The total amount I paid into the Lease was - {$21000.00}. 
The full lease term was {$36000.00} {$36000.00} - {$21000.00} equals = - ( XXXX XXXX. 
_____________________________________________________________________ The Action recovery amount BMW received for the vehicle was {$33000.00}. 
Plus {$21000.00} I paid into the lease Not to mention the {$19000.00} in fraudulent deficiency balances. 
The attempted recovery of this vehicle is over {$74000.00}. 
MORE THAN THE ACTUAL COST OF THE VEHICLE {$51000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, XXXX  and Equifax stated that a third party agency XXXX XXXX  is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX BankruptcyXX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bank of America credit inquiry completed on XX/XX/2023 for XXXX XXXX XXXX. I did not apply for a new credit card. I reached out to the company and received no help as they stated they did not see the appliccation. I have an email stating it was done. I have added an alert to my credit report.
Product: Mortgage

After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!
Product: Credit reporting or other personal consumer reports

I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the TransUnion and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File Number : XXXX I demand the following account be verified or removed immediately : 1. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested on XXXX XXXX to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.
Product: Student loan

I have a XXXX XXXX XXXX  consolidated loan. I am currently on an IDR ( as well as the PSLF. ) My IDR was re-calculated and went up 250 %. 

My AGI inXX/XX/XXXXs taxes was {$25000.00} My AGI for XX/XX/XXXXs taxes was {$30000.00} My IDR based on 2016 was {$59.00} My IDR based on XX/XX/XXXX is {$140.00} I don't think an increase of 250 % is fair. I did expect the payment to go up, but thought it would be at most an extra {$20.00} to {$40.00} a month. I do not want to go into forbearance, just want a fair payment setup for IDR.
Product: Checking or savings account

I spoke with XXXX XXXX from Wells Fargo customer advocacy support team to resolve a complaint case ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX that complaint ID number has not been satisfied but it was closed without my permission nor have I received any information on it being closed I requested a check dated XXXX XXXX have a stop payment on it and be reissued Wells Fargo has still not done that as of yet they created another case claim number to delay the claim Wells Fargo employee XXXX XXXX has also decline to put a stop payment check on the check they did XXXX XXXX and have it reissued Wells Fargo owes me money for holding my money without my permission in accounts ending in XXXX XXXX XXXX XXXX + XXXX and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.
Product: Payday loan, title loan, personal loan, or advance loan

- I ordered items online in late XXXX, and in early to mid XXXX I made several returns. 

- I was unable to get ahold of the company I purchased these items from. 

- I opened a dispute with Sezzle myself after failing to via their customer service portal. ( less than 2 weeks ago ) - I waited for Sezzle to contact me. They did not contact me until I got an email that the dispute was closed because they had not received any additional information. No additional information was requested- even the emails listed a blank for the reason the dispute was closed. The only way I learned of additional information was when a customer service rep demanded a lengthy list of items be sent to them via the chat feature. 

- Customer service admitted there is no way to reopen my dispute or postpone payments. 

- {$200.00} in payments were expected to resume about 20 hours after the email explained my dispute was closed. 

- Customer service said that I can't access the dispute anymore because it's closed so it no longer exists - I can't open another dispute. 

- Sezzle does not have phone support. If you call their phone number it directs you to use the live chat feature. 

- After trying all day to get ahold of a supervisor via the live chat features, I am now blocked from using the live chat feature - I can send messages, but there is no response, and I can't reset the chat to find another customer service rep. 

- I emailed Sezzle and 24 hours no response. 

- Sezzle has no longer been in contact with me. 

- I am going to block payments to them and cancel my debit card, and will likely report the original business I purchased from to the FTC after this unless they contact me by phone immediately.
Product: Credit reporting or other personal consumer reports

I've disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX. I detailed the violations to my consumer report and attached copies of all dispute letters. According to the Fair Credit Reporting Act and U.S. Code 1681e ( b ) and 1681i ( 5 ), these accounts must report accurately.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting and Failure to Correct Errors Complaint Details : In XXXX of XXXX  I sent a dispute letter to the Credit Reporting Agencies regarding inaccuracies on my credit report. Specifically, the dispute concerned late payments and charge-offs that were erroneously reported. I provided XXXX, XXXX and Equifax with all necessary documentation and requested that these inaccuracies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

XXXX, XXXX and Equifax responded to my dispute, claiming that the information was verified as accurate. However, they failed to provide sufficient evidence to substantiate their verification and did not conduct a thorough investigation as required by law. This response from the Reporting Agencies violates my rights under the FCRA, as they are required to take reasonable steps to ensure the accuracy of the information they report and to conduct a proper reinvestigation when a dispute is submitted. 

Due to XXXX failure to correct these inaccuracies, I have suffered significant harm, including damage to my creditworthiness, loss of business opportunities, and emotional distress. As a result, I am seeking the following remedies : 1. Immediate removal or correction of the inaccurate information on my credit report. 
XXXX. Compensation for damages, including {$1000.00} per inaccuracy, as outlined under the FCRA for willful noncompliance. 
XXXX. A formal apology from XXXX for their failure to comply with federal regulations. 

Additionally, I am preparing to escalate this matter to litigation if XXXX does not resolve this issue within 30-45 days. I believe that XXXX  failure to address these inaccuracies is a willful violation of the FCRA, and I am seeking appropriate legal remedies to ensure compliance and to protect my rights as a consumer.
Product: Mortgage

I lost my job and been having a hard time making my mortgage payment and got a new job and trying to get back on track with my mortgage company but they are pyramiding late fees on my mortgage which is highly illegal and charging me inspections fees on my home that no one every came out and did as I have camera all around my home at every angle and no one showed up on XX/XX/2023 at all for the XXXX dollar inspection fee. I need this removed and waived as I didn't ask for or need an inspection on my home which is illegal as I have to agree to pay that fee as well and they have to ask me. 

Furthermore, they are charging me XXXX late fees per month which is called late fee pyramiding which is highly illegal they are charging me a Default related fee in the amount if XXXX per month plus late fees in the amount of XXXX per month which is a violation of us law and called late fee pryamiding and is highly illegal. They have Lastly they been trying to increase my mortgage payment stating an escrow shortgage which is false because our taxes went down so someone at their company is laudering money and falsely increasing my mortgage payment for no reason at all as there was never a shortgage in my escrow account. I don't agree to pay a higher monthly payment at all and they have no right to increase my mortgage payment for no reason at all and violation of usa consumer code They also have a seprate inspection fee so they are charging me essentiall XXXX late fees as they are stated the default fee is for an inspection that they never came out to my home and did and I didn't call or authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Acct # XXXX Reported XX/XX/XXXX {$1700.00} XXXX Acct # XXXX. Reported XX/XX/XXXX. {$1300.00} & {$560.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$12000.00} XXXX XXXX Acct # XXXX closed and paid but still reporting late