23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Fraudulent Hard Inquiries into my TransUnion Credit File On XXXX XXXX I received an alert notification from XXXX about a new inquiry into my credit. After logging in to both XXXX and XXXX XXXX, I was able to confirm that a fraudulent new Hard Inquiry was made into my TransUnion Credit File by XXXX ( whoever that is ) on XX/XX/ ( Today ). 
I was also shocked to see that another fraudulent hard inquiry was made on XX/XX/ by XXXX ( whoever that is ). 
Both inquiries listed the contact phone numbers for both companies. I tried contacting both companies but the numbers are disconnected ( no longer working ). 

I am hyper conscious about managing the number of hard inquiries into my credit file due to the impact it has on my credit rating. These Fraudulent inquiries are killing my credit score After contacting TransUnion Fraud dept, I was instructed to file a complaint with the FTC for Fraudulent Transaction as part of the process to have the hard inquiries removed. 

I have frozen my acct at TransUnion for now out of an abundance of caution that my ID may be compromised.
Product: Checking or savings account

On XX/XX/2023 I saw the Wells Fargo advertisement about opening an Everyday Checking account and receive {$300.00} bonus if I follow the terms and conditions. There was a specific sign up bonus button to use, I was taken on the site and signed up. The requirement is I have to have {$1000.00} direct deposit with in 90 days upon opening the account, the deposits were from my work and not transferred money. After 90 days, I haven't received the bonus and when I googled, it says I have to wait another 30 days because the bank has to check if I qualify which I know I did. After the 30 days, still nothing and so I called WF and I was told there was no promotional code linked into my account. Because I know I followed the procedures and I qualify, I insisted and was transferred to a lady who gave me a request code, she talked to me making sure I understand the terms and conditions which she told me that clearly I did understand, she submitted a request for me to get that bonus. She said it'll take 10 days until I hear back from WF. After the 10th day still nothing, I called the bank and was told it was still denied because I don't have the promotional code. There was nothing on the site that says I should receive a promotional code, I clicked on the button they said I should use to sign up.
Product: Mortgage

I noticed recently that the principal payments are not getting properly distributed to my mortgage balance. I closed on my condo on XX/XX/XXXX. XXXX XXXX had this mortgage before they sold it to Ocwen Financial in XX/XX/XXXX. On XX/XX/XXXX I noticed the mortgage balance is incorrect and called them. I was on the phone over 2 hours and spoke with a manager specialist regarding this case. The current balance on my mortgage that Ocwen has is {$150000.00}. The original balance Ocwen has is {$190000.00}. I asked for a amortization report for the history of the loan and they said they can't provide this b/c they don't provide on fixed loans. They don't have any of XXXX XXXX records either when loan was transferred. The original loan amount actual real numbers are {$170000.00}, which I have proof of all these numbers and original docs. I refinanced pulling $ XXXX out, which changed the balance to {$180000.00}. The balance was never {$190000.00}. The records online only go back 3 years. I saw that {$430.00} per month is going to principal. When Ocwen acquired the loan, they said the balance was {$190000.00}, which is impossible considering I paid my mortgage for 6 years and no principal was applied. They will not supply records. My mortgage balance should be {$120000.00}. Ocwen will not show me the amortization, or any documents that were transferred to them when they acquired the loan. This is in clear violation and the correct balance needs to be updated. It's not possible to pay a mortgage for 6 years and have no amount that goes to principal. This has always been a 30 year fixed mortgage. Ocwen is under investigation, and has been for some time for providing fake financial records, among many other things. This is a very stressful matter, and hope to get solved soon. 
Thanks
Product: Debt collection

Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, XXXX is using a collection agency called Allied Interstate to collect the debt. Allied Interstate sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted XXXX, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to Allied Interstate. I asked the representative, "XXXX XXXX," to request a letter from XXXX confirming the proposed debt settlement. The Allied Interstate representative stated "XXXX will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Made an out-of-state automobile purchase and had to pay a down payment of {$1000.00} cash. When the merchant ( evolution cars ) debited my account without I called my bank ( chase JP Morgan ) and ask them to observe the debit, because I did not authorize it to be debited at that time. Meanwhile my chase bank takes over and without even informing me immediately cancels my debit card and files a dispute on the unauthorized debit. I want to make it known that I never requested or asked to file a dispute. A Couple of days go by and I receive a phone call from the merchant, asking me if I disputed the down payment. I briefly responded and stated I never filed any dispute. The merchant responded that he has no cash on file for me, and that this had to be expedited. In order to move forward with purchase the evolution cars requested {$1000.00} be paid by XXXX oclock cst on the specified date XX/XX/year>. Keep in mind my bank provider after disputing this transaction canceled my debit card. How could I ever meet the merchants request if I had to manually complete a credit authorization form? I didnt have a debit card to write a debit card number down with. It had to be printed off and manually written. Why would the merchant have to have my debit card info if in the beginning they debited my account by my account # and routing #? As a result of that, I made a trip to the local branch and withdrew the requested amount out of my everyday checking account, just to go down the street and deposit it into an outside source Account ( cash app ) so I could honored their deadline. ( See attachments ) Meanwhile, since this has began, this merchant has continuously brought havoc on me, my everyday life and my financial bearing. Ive been disputing this with Chase Bank and the merchant ever since the first unauthorized debit. the bank has given me a provisional credit and then they would reverse it back to the merchant. Because of {$1000.00} that was debited without authorization. Put my account in a negative balance however, I receive XXXX payroll direct deposit a month. Without any notice whatsoever or sending me any type of letter in writing chase has decided to place a restriction on my account, and I just found out that they are closing my account per chase, and will not provide any information as to their decision made. Meanwhile I have a direct deposit from my employer and they will not let me have my money. I dont owe any money to chase. I actually repeatedly deposited money in my account to make all attempts to make it right and Chase took over {$300.00} on overdraft fees. Any help and clarity would be greatly appreciated.. just like every living citizen I have bills to pay and my providers are calling me wondering where their payments are. Meanwhile, Chase Bank is just pondering and lingering and taking their time Ive respectfully and patiently asked them to expedite the process. I can not get anywhere with them whatsoever. Please help.
Product: Credit reporting or other personal consumer reports

**Subject : ** Debt Validation Request. To whom it may concern, I am writing to formally dispute the validity of the debt you have reported under the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws, including recent updates under the **Regulation F** of the FDCPA. I am requesting full validation and proof of ownership of the alleged account. Please provide the following documentation to substantiate your claim : 1. **Proof of Ownership : ** A copy of the original signed contract or agreement with my signature that establishes my liability for this debt. 2. **Validation of Debt : ** A detailed account statement showing the breakdown of the alleged debt, including the original creditor, principal, interest, fees, and any payments made. 3. **Right to Collect : ** Documentation that confirms your legal authority to collect this debt, including any agreements or assignments between you and the original creditor.

4. **Compliance with Regulation F : ** A full disclosure of information as required under the new rule, including itemization of the debt and my rights under federal law.

Until the requested information is provided, I do not acknowledge ownership of this debt, and I request that any collection efforts, including reporting to credit bureaus, be halted. I demand this account to be deleted from my credit report. Please consider this letter a formal dispute under the FDCPA, and be advised that failure to provide proper validation may result in additional complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX Social Security XXXX
Product: Mortgage

Wells Fargo is the worst bank on the planet they keep on making the worst decisions. Recently I read Wells Fargo closed a lot of people 's accounts and told them they had to give no explanation for clossing accounts. That's their right. Recently Wells Fargo transfere my loan to XXXX XXXX XXXX and they don't have to give me an explanation because I know why they did. They transfered it because I made several complaints about them on CFPB and went through mediation which was a joke. They transfered my loan on my home because I wanted them to pay for the damages they done I am almost 10 years into paying on my loan and it's higher than when it started because of the modification Wells Fargo screwed me on. I went through mediation they offered nothing but {$1000.00} I am still out around {$19000.00} because of Wells Fargo and worst part Wells Fargo is now going to be petty since I recently submitted these complaints on CFPB and since I said their check wasn't enough. They are going to be petty and transfer my loan. XXXX XXXX XXXX worked with Wells fargo in the past and the reviews about Wells Fargo and XXXX working together are horrible. They basically sell the loan to try to do anything shady forcing the homeowner to lose and it not be put back on Wells Fargo. They may even had a lawsuit against them. Nevertheless, I record all my calls with them I do not want to be with XXXX XXXX XXXX but Wells Fargo sold my loan to them and didn't even tell me till recently. On XX/XX/year> my loan was transfered. On XX/XX/year> XXXX XXXX XXXX takes over servicing my loan. XXXX XXXX XXXX has sent me nothing besides today in the mail I get a XXXX page letter saying they got my loan. I called and recorded my phone call the other day to XXXX XXXX XXXX and they said it is not in their system yet. This was on XX/XX/year> XXXX is Wells Fargo is selling/ transfering/ closing accounts ending relationships with customers who complained the settlement wasn't enough or complained to another government agency or something to that nature and it's wrong. I know this because my friends account got shut down and he told Wells Fargo the settlement wasn't enough. However his mom who is going to close her account on her own because the way Wells Fargo closed her kids account did not complain about Wells Fargo and her account was never closed. My mortgage loan is transfered when I complain how I am out {$19000.00} I go through mediation and that's a joke however since I complained I guess they don't want me as a customer. Guess they think the money that was paid out to settle lawsuits was always their money. I assure you it wasn't it was money they stoled from consumers like me and so many others that when we complained about getting it back or got it back Wells Fargo classes our accounts or transfers us to a company that has horrible reviews together with Wells Fargo.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX My sister asked if she can transfer money to another bank account through my account. Because she was unable to do it through her account. We sent XXXX US dollars to an account that was in XXXX XXXX. This was the information given to my sister. 
BANK NAME XXXX XXXX ACCOUNT .NAME XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX BANK ADDRESS XXXX XXXX, XXXX , NY XXXX My sister sends me a message on XXXX XXXX telling me she found out that it was actually a scam. 
I bank with Chase Bank. I called immediately about the issue That it was fraud. They simply told me they are not able to retrieve the money that was transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX not my account never applied or did business with this account XXXX XXXX XXXXXX/XX/XXXX never applies for this account this is not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXXXXXX XX/XX/XXXX not my account XXXX XX/XX/XXXX not my account XXXX XXXX XX/XX/XXXX not my account XXXXXXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I applied for a capital one credit card on XX/XX/XXXX and XX/XX/XXXX. Capital one denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see 2 hard inquiries one on the XXXX and one on the XXXX. I sent a letter to capital one to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.
Product: Checking or savings account

So a cashier check was made out to me from my girlfriend and we both went to the bank to get it made and I deposited it in the same bank it was made with her next to me.. 

Days later I tried to pull a small portion out and it said my account was restricted.. 

So I went to the branch and they said we have to be validated by our phone numbers .. mines was Valid But some how her Number didnt validate but she had he number for years and its been connected to her Actual Name .. now I got 8 days before they close my account and take all of my money it done make sense. Im validated why am I goin thru this I really need help my savings is in my account I have nothing right now..
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Apex mortgage had reach out to me asking if i was in the market to obtain a Heloc i said yes XXXX XXXX run my credit and offered me a personal line of credit based on asset but he said i need to give him XXXX so he can put it in escrow account, he then changed the amount to XXXX i gave him a cashier check then he asked for XXXX send via XXXX XXXX he then proceeded of asking for XXXX with an excuse of the underwriter kept changing the amount. He then never get me the line of credit and neither my money back
Product: Credit reporting, credit repair services, 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 Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Transunion is showing a company known as XXXX to the be the originator of a loan I have which is inaccurate. Furthermore, the loan is in a forbearance so it should not be showing as in collections. I have opened several disputes with Transunion and I have contacted XXXX directly and no action has been taken as it relates to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Product: Debt collection

XX/XX/year> is when XXXX XXXX XXXX filed for bankruptcy ; abruptly stopping all treatments and customer services promised in the Lifetime guarantee when initially signing up for treatment. What makes it worse was that they proactively messaged/email me about stocking up on retainers and deals for getting friends or family to sign up prior to the announcement of bankruptcy. 

Im now left with giant gaps on the sides of the teeth that I cant fix without starting a new treatment plan with a more reputable company and my very last pair of retainers that I have to barely wear for fear of breakdown. HFD has made multiple attempts to withdraw money from listed debt cards in their system and weve made it perfectly clear, we will not accept half XXXX treatment nor pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by Shellpoint mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage Shellpoint proceeds to report me delinquent during this protection period. They were aware of the COVID XX/XX/XXXX bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted Shellpoint regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies