23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Potential clues Wells Fargo 1. {$370.00} + {$230.00} refunds.from XXXX = {$600.00} 2. {$1000.00} escrow balance, {$1000.00} unapplied {$18.00} fee returned 3. {$440.00}, {$560.00}, {$520.00}, {$900.00} retuned {$530.00} paid twice {$800.00} not accepted 4. IRS market value {$62000.00} balance {$53000.00} 5. Stay of Relief value {$78000.00} 6. XXXX XXXX insurance value {$150000.00} 7. {$3900.00} cash out was made to commerce Bank. 
8. {$41000.00} payoff + {$9300.00} to XXXX 9. Never had a second mortgage XXXX purchase. {$10000.00} Cash {$48000.00} rehabilitation loan 11. {$47000.00} XXXX stream line refinance in XXXX {$43000.00} 12. XXXX taxes {$370.00} insurance {$590.00}. XXXX T & I {$1100.00} + {$820.00} ( we protested XXXX insurance of {$1000.00} reduced + {$110.00} refunded to Wells Fargo - {$370.00} refunded to WF after foreclosure I believe the balance included escrow payment to another property. To which I made separate payments to another servicer. 
I want CFPB to investigate {$18000.00} ( + {$140000.00} total paid to XXXX on both properties. We were offered a modification after 3 returned payments a foreclosure date. 
Request for a longer term ( to reduce the higher payments ) was denied hours before they foreclosed. I believe -especially with payments to the other property that this loan was paid - in full I believe money paid to commerce was the escrow at refinance I believe this amount was included ( or from ) the amount already added into the first mortgage on my house I believe that a credit card from XXXX XXXX XXXX ( {$11000.00} limit {$8000.00} balance ) was the escrow. A credit line increase to {$12000.00} in XXXX was the equity This would mean {$24000.00}. I paid {$24000.00} to XXXX on the other property. 
The balance of the other property was {$15000.00} in XXXX Payments made to the duplex between XXXX and XXXX were {$15000.00}. I think there is a servicing error and it cost me my duplex I had owned since XXXX. 
1 year after foreclosure there was a {$91000.00} mortgage on XXXX XXXX -the duplex I believe this was how much I had paid to principal and interest {$53000.00} would be taxes and insurance on the XXXX property 12. Total payments due on Wells Fargo loan {$29000.00}. ( {$54000.00} paid to XXXX refinance ) there is something drastically wrong. And I believe i just paid it again in my loan modification on my house to XXXX. I would like CFPB to investigate and provide me with results - Duplex is XXXX XXXX XXXX XXXX Wells Fargo ( modification denied by XXXX ) - other property XXXX XXXX XXXX XXXX ( i did not own ) servicer XXXX XXXX - house XXXX forestpark XXXX XXXX XXXX XXXX XXXX and just transferred to XXXX There is much more that can be found in the -probably XXXX 's of - complaints And documents I have filed 13. A subordination agreement filed by XXXX is linked to the duplex for a lien on my house-? 
14. XXXX reported {$80000.00} as extinguished but was never removed from balance 15. Were {$5000.00} HAMP incentives applied 16. Did they count the payments to the first trial. 
There seems to be at least {$230000.00} missing {$120000.00} I never owed and {$300000.00} equity I should have
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX  ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX I
Product: Credit reporting or other personal consumer reports

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXXXXXX  that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX  b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXXXXXX  which was filed aginst me in XX/XX/XXXXXXXX  but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax documents- There is some confusion on the information that I provided to Equifax XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX XXXX XXXX  for a late payment in XXXX of XXXX Account # XXXX XXXX  XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX  ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report
Product: Vehicle loan or lease

On XXXX Santander consumer usa billed me for {$11000.00} dollars and was sent to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. It's been 52 charge-offs and now the Past due amount is {$3600.00}. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX 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/XXXXXXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023.
Product: Credit reporting

My score on Equifax is totally wrong!! It says I have late payments. I always pay my bills on time. Can you please help me get this corrected???? 

Thank You
Product: Debt collection

i would like all this removed based off the laws below. 

15USC section 602 A states i have the right to privacy 15 USC section 604 A section 2 it also states a consumer reporting agency can not furnished account without my written instructions 15 1681 section c ( a ) ( 5 ) USC no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information other than the records of conviction of crimes which anedates the report by more than 7 years.

15USC 1681 s-2 9A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or as reasonable cause to believe that the information is accurate. 

Companies Springoakcap XXXX XXXX ins Comnwlthfin webbankavant ccredit coll credit coll creditonebank celtic/cont cb indigo bk of mo fist premer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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

I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX..

fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) X ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ). before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

XXXX I was paying XXXX a month until XX/XX/2023 they stop taking the payment PORTFOLIO RECOVERY Have put me in collection with 2 accounts!! How can they do that if this company is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned accounts lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the accounts in question. Below, are the accounts they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

In XXXX I opened a Well Fargo checking account. At the time I lived in XXXX, GA. I thought that I would be XXXX of the people notified when the lawsuit was filed but I was not. Maybe because I've been back in SC since XXXX. I had nothing but agony the entire time I had this account. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bank always found a reason to allow my checks to deposit a following day. I would have so many checks with NSF. Every month. The employees were rude. On XXXX occasion during a dispute, a XXXX followed me out of the bank as if he was going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After I was denied a housing loan I left the bank. Even today, I still carry the hate I have for Wells Fargo. In XXXX my mother took out a {$2500.00} loan for us to go XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX she was still with Wells Fargo and still paying back the loan. I told them that they were lucky because if it was me they would never get another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with Experian, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. 
If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. 
Thanks.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 Section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under15USC1666B A creditor may not treat a payment on on a credit account under an open and consumer credit plan as late for any purpose. XX/XX/2023 XXXX XX/XX/2023 XXXX
Product: Credit card

capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund. 
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund.
Product: Checking or savings account

I requested XXXX sent my XXXX termination distribution of {$XXXX} from my former employer to my financial institution XXXX XXXX. XXXX sent me the checks in the mail which I mailed in XXXX to Betterment through the XXXX. But after waiting for months since XX/XX/year>, I contacted XXXX and found out that the checks I sent were deposited. However XXXX found that those checks bounced. I have not received help from XXXX after contacting them repeatedly, but have only been met with robots and no humans who I can contact. I just lost my retirement savings and I have been unemployed for XXXX  months now.
Product: Credit reporting or other personal consumer reports

Received a text alert from Transunion that XXXX XXXX  received a copy of my credit report which created a hard inquiry on my credit file. When I called to report that this was FRAUDULENT, they refused to assist. I have to send them a letter proving I didn't authorize the inquiry, XXXX XXXX  acknowledges the inquiry but has also refused to assist based on the application being denied. 

The company that accessed my credit report will not send anything to me in writing and has remained silent on this request. Transunion has refused to help even after I contacted the company that did this. 

I have sent 4 letters in the last month to help rectify this issue, and then last night on XX/XX/XXXX  XXXX XXXX  accessed my credit profile again in less than a month. That twice since XX/XX/. 

Transunion refuses to help.
Product: Checking or savings account

Tried to link bank accounts to transfer funds between them. They refuse to communicate to facilitate the transfer linking.