23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a Home Equity Line of Credit for my property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX from Wells Fargo Bank, against whom this compliant is being lodged. I sold this property and closed on XXXX XX/XX/2022, and emailed to my Closing Attorney, XXXX and XXXX XXXX, the Payoff Statement of {$110000.00} ( received from Wells Fargo Bank ). 
My email was intercepted by a hacker/ fraudster, who changed the recipient bank account number on Wells Fargo Payoff Statement while still retaining my Home Equity Account number of XXXX for the application of the transferred funds from the Buyer of the property. The funds were wired by the Seller to the fraudulent account number stated on the edited Payoff statement, and the wire statement had clear printed instructions to Wells Fargo bank to apply the funds to my Home Equity Account. On XXXX XXXX, I observed that the funds had not been applied to my Home equity Account by Wells Fargo Bank. I immediately called my Closing Attorney, who upon quick research observed that the wire had been sent to the wrong bank account. We both called Wells Fargo Bank and requested the customer Service Agent and alerted her of the occurrence of fraud and requested that these funds to be put " ON HOLD '' in their General Account and to NOT APPLY them to any account until this matter was cleared. In this same telephone call, as we were on HOLD, the customer service agent researched and came back to inform us that she had found the funds received in Wells Fargo XXXX XXXX Account. She also stated that she would make a note to put the funds on HOLD and to not apply them to any account. However, two days later, the Wells Fargo customer service agent called me and informed that the funds were applied to the fraudster 's bank account in Wells Fargo Bank and that she had no control over this action. Thereafter, Wells Fargo Bank did not acknowledge the receipt of any funds for application to my Home Equity Account and in order maintain my credit, I have been making the monthly payments for one year after selling my property and the case is still unresolved. Wells Fargo Bank has repeatedly taken the position that the funds were transferred into the bank account to which the wire was sent ( they have not acknowledged at any time that the instructions to " Hold " the funds were not followed or that the funds were NOT applied to my Home Equity Account as per instructions in the wire sent by the Seller.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates continues to damage my credit with false information on my credit report. I have disputed the information multiple times and receive the same generic response. " The information is verified and meets fcra requirements. '' I paid this bottom feeder company thousands of dollars and yet they still ruin my credit. Still reporting false information to XXXX. Please investigate this ruthless company that preys on the weak and the poor.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, i went to a Wells Fargo branch in XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ). I went in to obtain a cashier 's check for {$6900.00}. The total deposited out of my savings account was {$7400.00} because I took out another XXXX money orders for smaller amounts. XXXX was the branch agent that assisted me with the transaction and she knows all the details of what happened. I went back the next day on XX/XX/XXXX to cancel the cashier 's check of {$6900.00} at another branch in XXXX. They told me for some reason they couldn't cancel it because it wasn't coming up in their system and I couldn't get my money back. That same day, I went back to the XXXX XXXX XXXX XXXX branch where I originally got the cashier 's check to resolve this issue. XXXX confirmed that there was a glitch in the system when she created cashier 's check and that is probably why the system didn't capture the transaction, even though they took the money out of my account. They called customer service at Wells Fargo and they said they created a case with my situation and that everything should be resolved by Tuesday/Wednesday of this week. 

I called Wells Fargo customer service on Tuesday, XX/XX/XXXX and they had no idea what was going on. I called the branch multiple times every day this week and no one has gotten back to me with updates. This company is stealing my money and I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.
Product: Mortgage

We have owned our home since XXXX and refinanced into an FHA loan in XXXX that is now through Mr. Cooper. We are very concerned with the way that they have handled the servicing of our loan as they have started the foreclosure process against us and assigned an Attorney to come after us. We ALWAYS paid our mortgage on time until we had major health issues related to XXXX and after effects of a XXXX. This started a snowball effect where we struggled to get caught up. We tried to reach out to Mr. Cooper multiple times to see if there were any programs to help our family skip payments or make partial payments or be considered for any type of homeowner assistance programs but were repeatedly told no, sorry, nothing we can do to help. 

This is outrageous and wrong because we have an FHA backed government loan, and as a servicer of this loan Mr. Cooper is required to provide access to all distressed homeowner options and they did not do this, they told us there was nothing they could do and then started foreclosure proceedings. My husband has a good job with XXXX XXXX on the XXXX XXXX and has worked there for 25 years. I have worked in education for 21 years and as a XXXX XXXX for the last two years. We never had a problem making our payment until my husband had an emergency medical event during a routine XXXX. This led to a weeklong hospital stay followed by XXXX followed by XXXX. We lost over a month of his income as well as staggering medical bills and major car repair emergency and were struggling but still making mortgage payment. 
I began calling Mr. Cooper at that time ( XX/XX/XXXX ) to see what types of programs may be available for our family. This financial struggle was XXXX related and as a servicer of an FHA loan I was under the impression that Mr. Cooper was supposed to offer us assistance such as a forbearance due to XXXX. But this did not happen. I continued to try and make the mortgage payment but finally had to begin making partial payments late XXXX and early XXXX. Once again I contacted Mr. Cooper to see if there were any programs available for struggling homeowners with FHA loans and again I was told sorry. At that time XX/XX/XXXX we were told that Mr. Cooper would no longer accept partial payments and we were not able to make the payment for 3 months. To make matters worse my husband was laid off from his job in XX/XX/XXXX, although we were blessed that it was a temporary situation and he is now back at work. 

At this time Mr. Cooper has told us they refuse to accept payments unless we reinstate in full. We received a letter from XXXX XXXX XXXX XXXX XXXX  who said they are coming after us and Mr. Cooper also sent us a letter that we are going into foreclosure. 

This should not be happening, because we have an FHA loan and from my understanding Mr. Cooper is required to consider us for all homeowner assistance programs including partial claim, recapitalization of delinquent payments, loan modification or repayment plan. We were told repeatedly that none of these options were available.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have three charge off payments on an account. 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 XXXX XXXX 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, Fair Resolution!
Product: Debt collection

XX/XX/XXXX tried to disputed information from an collections agency that was included in bankruptcy that was discharged XX/XX/2020 by the state Of Maryland. Credit Reporting agency contacted and still showing on my credit as owed and affecting my ability to start over. Along with having the bankruptcy. I need help getting it removed. I also sent documentation to the credit agency to verify my statement.
Product: Student loan

American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.
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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00}
Product: Payday loan, title loan, or personal loan

I have been a customer of Self for over 6 years. I have had multiple credit builder accounts and have paid them off and received my payout each time. I just recently paid a credit builder account off in XXXX and received my payout with no problem. Earlier this month, I received e-mails asking me to verify my information so I had to send them a picture of my ID, a picture with me holding my social security card, my bank statement proving that my XXXXXXXX XXXX account was mine and I did all of that. I attempted to pay my Credit Builder off early on XXXX but the system would not allow me to until they verified my information. I received an e-mail from Self stating my information was verified on XX/XX/23 and I could then pay off my account. I was then able to pay off my credit builder account on XX/XX/23 with my final payments totaling {$2700.00}. I then received an e-mail on XX/XX/23 stating that they closed out my Credit Card and kept my {$3000.00} deposit because they " couldn't verify my identity '' but they just verified it on XX/XX/23. Then I received an e-mail saying that my payout from my Credit Builder account of {$3100.00} would be paid out to me on XX/XX/23. I never received my payout at all. I have called Self every day since and they keep saying its " under review '' but when I ask to speak to a supervisor or the review department, they literally act like they are putting someone on the phone and then hang up every single time. I am beyond frustrated. Not only did they close my credit card account, which is going to hurt my credit score, they kept my {$3000.00} deposit from my credit card AND now they won't even pay me my expected payout. I am beyond frustrated. Self keeps telling me they can't verify my social but they literally have a picture of me holding my social security card and everything. This is starting to feel like they are scamming me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal demand for the immediate correction or deletion of inaccurate and unverifiable information reported on my credit file. Despite previous disputes, you have failed to perform a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Your continued failure constitutes willful non-compliance, fraudulent misrepresentation, and a violation of my rights under federal law.

The following violations have been identified under both the FCRA and CDIA Metro 2 guidelines, requiring immediate attention :
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$590.00} Date Opened XX/XX/XXXXXXXX XXXX  Balance {$13000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. 

This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Product: Checking or savings account

My checking account was closed on XXXX with an official notification via XXXX on XX/XX/XXXX. Since then, I have contacted the bank multiple times, but the fraud department continues to say that they are not able to provide me a timeline nor reasons for the account closures. 

Prior to account closures, there were XXXX deposits into my checking account on XXXX for XXXX money orders in the amount of {$500.00} and {$500.00}. 

I am seeking the return of my funds as Fifth Third refuses to provide more information on the account closure. My most recent attempt to contact the bank occurred on XX/XX/year> around XXXX XXXX.
Product: Credit reporting or other personal consumer reports

FCRA Violation Timeframe for Removal It has now surpassedfour business dayssince my initial dispute. The continued presence of these fraudulent accounts on my report is a clear violation of the FCRA, particularly concerning the timeframe for identity theft information removal.

Request for Immediate Action I demand theimmediate removalof these fraudulent accounts from my credit report. Please provide written confirmation of this removal withinfive business daysof receiving this letter. 
My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to dispute the late payment entries recorded on my credit report. These late payments occurred due to a tragic event that impacted my financial management capabilities. The bank associated with these late payments has agreed to remove them in light of the circumstances. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied over the phone for a short term loan in XXXX for {$700.00}, and more recently in XX/XX/XXXX for {$500.00} with the stated agreement that I would be able to pay it off incrementally with the agreed upon minimum payments being toward the principal, with the company to be owed the remainder as interest due within the payment period up to when the principal was paid. 

after a period of 6 months, wherein I was still receiving notices for payments owed and automatic withdrawals from my bank account. I found this odd because six months should be more than enough with the payments I had been seen being deducted to cover both the principal, As well as any interest. 

I contacted them only to be directed to an outsourced call center, who was only able to send me limited details for the loan, which that showed I had somehow put my digital signature on a loan agreement that instead stated I had agreed to a loan with an over 800 % annual interest rate wherein that the minimum payments were to cover the financing, and that I would need to manually submit ADDITIONAL payments to count towards the loan principal. This was/is in direct contravention of what I had agreed upon over the phone with the agent who submitted the loan. 

It is currently six months since the loan was issued, and I have paid into the loan for the full amount of the principal, and nearly an additional 100 % of the loan principal in financing fees and interest. 

I also discovered that unbeknownst to me, The previously completed loan term the year prior where the principal was {$700.00} and with the previously agreed upon terms, I had ended paid over {$2100.00} over several months without realizing. 

The company has refused to acknowledge my attempts to correct this issue and address their fraudulent and predatory conduct. They have undermined my financial security over a significant period of time, and have compromised my ability to even keep food on my table. 

The loan terms are purposefully obfuscated, and the information provided by their loan agents is/was outright falsified. I have been offered no recourse for this, aside from " buyer beware ''. Had they been forthright about the true loan terms, I would not have agreed. Instead, they took advantage of someone with limited information resources and with an extremely limited time frame of action, and lured them into an agreement under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I XXXX seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is reporting a charge off that doesn't belong to me and XXXX is reporting lates that are not correct.