23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a check from Money Network issues by XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. It is made out to me, has an amount entered numerically and also written out. 

I do not know who this came from and/or if it is a legitimate check or some scam or fraud. Any time I've tried calling I get nowhere... noone seems to be able to answer. They've asked if I can tell them the name of the person who issued the check. I tell them there is no name, but there is an " Issuer number '' I can provide. But they tell me there is nothing they can do with that. Furthermore, they tell me there is nothing more that can be done, no matter what. 
The back of the check requires endorsement that also asks for my DL/ID number. No way I trust providing that to these people as it sounds like fraud to me. 

The phone # they provide is XXXX. I have held onto this check for nearly 4 years, and have tried a few times over the years to contact them again, but it just never goes anywhere. 

The routing and account numbers printed at the bottom are XXXX XXXX, followed by XXXX XXXX. The check # matches the routing #, XXXX followed by the digit 4.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX, AMOUNT {$210.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX  AMOUNT {$2700.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XX/XX/XXXXXXXX Balance Owed : {$12000.00}
Product: Bank account or service

Wells Fargo reported on my credit report falsely. They claim I had a missed payment of {$0.00}. I want that removed, since I never had any missed payments.
Product: Student loan

On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. 
Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. 

I am including a copy of the correspondence that was included with my loan payment.
Product: Debt collection

this debt owed was a part of litigation that was resolved in XXXX with all monies owed to Capital One being resolved in a settlement. Further the debt was from XXXX but XXXX XXXX has updated the debt to XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed a copy of my credit report and notice I have fraudulent accounts of my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.
Product: Credit card

I was checking my credit report and noticed an issue with it stating I was delinquent with a payment. Called Capital one on XXXX XX/XX/year> to report this as a fraud account they said they would investigate. Got a response via a letter that after investigating that I was responsible for this account. I did my own investigation and found out that my Son was the one that opened this account and I reported this to them on the XXXX of XXXX and less than 10 days later I got a letter from them stating that I was responsible. This account has negatively impacted my credit. Please help, thank you for your assistance on this matter.
Product: Credit reporting or other personal consumer reports

Experian lying about this complaint calling it a duplicate well all my complaints have XXXX and to dismissed one as this is criminal
Product: Debt collection

They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!
Product: Debt collection

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX EXPERIAN sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EXPERIAN the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EXPERIAN is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. EXPERIAN is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info
Product: Debt collection

Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as The Best Service Company. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.
Product: Credit reporting

I have resolved a credit issue and am in possession of the letter from the creditor to delete the record from my credit report. I tried to use TransUnion website to do this but it is fraught with technical problems and the process failed. I proceeded to call the telephone support number which is XXXX XXXX. These people registered the case but I am unable to supply supporting documentation ( the XXXX page letter ) because 1. the FAX number at TransUnion does not work, 2. they do not use email and 3. they request I use snail mail which will delay removal of the offending record. The process will take at least a month and many calls to TransUnion to resolve. This is effecting me very badly. Should not take so long. With lives in the balance these companies should be required to fix credit reports on demand, within 24 hours.
Product: Mortgage

This mortgage servicer has been sued in Massachusetts for bad practices they employ to discourage borrowers from pursuing a loan modifications. They string you as long as they can. Fabricate need for paperwork or find flaws even on the date you put on the documents they request from you. " Oh you dated the document XX/XX/XXXX, but XXXX has 31 days, so it should have been XX/XX/XXXX ''. Use that excuse to restart the whole process from the beginning and then blame you and say that it is your fault the modification is not complete because you did not submit proper paperwork. Once you correct that and submit, they take about 2 weeks to let you know they have to restart the process again because there is yet another paper they need. Mind you, they  never said before they needed this paper to begin with. They just keep fabricating and fabricating ... Attorney General of Ma, made them pay fines to all homeowners they had conned. But they have still not learned anything from that and continue with the same deceiving practices. You should see the long list of complaints against them sitting with the Attorney General. Mine is one of  them. 

I am now going through a financial hardship due to losing my job. I know I will see better times and when I do, I will do my best to get rid of this unscrupulous disgusting parasites that call themselves a mortgage servicing company. It would not surprised me if all those positive reviews were fake. I expect nothing less from this company. 

They kept rejecting my application every two weeks and would tell me you had all you need it and then would wait three weeks to say they didn't have what you needed. They had been doing this to me since XXXX, when I first notified you that I had lost my job and was going through a financial hardship. They will say the application is complete and is sitting with the underwriting department, then would wait to weeks to come back to me and tell me they needed more paperwork. They did this until I was 3 months behind. 

Then last Thursday, frustrated I went to their XXXX page to express my frustration with you and let everyone know how crooked they are. It's my right. But this is when you blocked me from your XXXX page, and reported me to the credit bureau the very next day. After three months. All of the sudden, they were not happy about my comments and buhuhu reported me to the credit bureau. Then two days ago, when I decide to send a mass email and include the attorney general 's office. So now after three long months of me waiting, frustrated with your scams and games, they told me that they have denied my application for a modification. It took you three months???
Product: Credit card or prepaid card

On XX/XX/XXXX someone else used my credit card fraudulent to purchase an XXXX XXXX XXXX XXXX without my consent at an XXXX XXXX XXXX XXXX XXXXXXXX. 
The credit card was in my possession at all times. After finding out that my card was charged fraudulently I contacted Citibank ( the card is theirs ) and let them know on the same day that my card was charged for the amount of {$1500.00}. They replaced my card with a new one and a new account and the amount was put on hold due to the fraud investigation. 
On XX/XX/XXXX the charge was reinstated. Contacted credit card and their answer was that the charge on my credit card was valid and myself picked up the merchandise from the XXXX store based on the answer from XXXX. This charge is not valid. I was not ordering anything and i did not pick up anything from that store period!!!. Of course XXXX said it was me because they do not want to be left empty handed!!! Shame on them!!! 

If this is the way that a credit card company is protecting their consumers then they are very WRONG!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making a personal business phone call when in the transfer of calls Lexington Law marketing audio began playing. The organization I was initially was on the phone with was a government organization regarding business of maintaining my daily life. Lexington Law seemed like the solution based on advertising and the government organization affiliation so I had no choice I felt if the government recommends them it can not be bad. Hundreds of dollars later and several emails sent to them requesting help on matters each time receiving rejection, they did not deliver and swindled me out of desperation money. They promise people like me can have hope but just want the money.
Product: Debt collection

debt collectors constantly calling my phone all day before XXXX and XXXX. even on weekends sometimes they call from private number they refuse to tell me which company their representing as well. sometimes
Product: Debt collection

I was never contacted or sent anything in the mail about this debt and one day it just popped up on my credit so I had to research myself to get a number and when I called the women was so nasty and rude and would n't let me even ask her anything she just kept saying " how are you going to pay for this debt credit card or money order '' the amount is absurd and I do not owe it. Every time I dispute it they wait a month and put it right back on my credit.
Product: Debt collection

The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just obtained a credit report from Trusted ID ( Equifax ) and I found in my personal information section XXXX addresses from Colorado that I never associated with. Those XXXX addresses must have recently appeared as they were never in any report up to a few years ago when I checked my credit report. All other addresses are OK but I never been associated with any address in Colorado for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report is has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My Information was also impacted by the XXXX XXXX XXXX and may have got into hands of the wrong person.
Product: Debt collection

The National Service Bureau called my fianc trying to find me for a XXXX  debt in 2019.They also gave her all the information about my debt which is illegal. I never receive any information on this debt until I called, then I had to pay right then and there or they were going to start the process to suspend my license.
Product: Student loan

I had raised a CFPB complaint for final disclosure documents, complain id : XXXX. I was only offered partial documents at the time. There were 3 loans that needed the final disclosure documents and only 2 were provided. I need the 3rd document. I have been waiting for over a year now for the third document but still have not received it.
Product: Checking or savings account

My family recently relocated from XXXX to XXXX. Our previous bank does not have branches in XXXX so we opened an account with US Bank. We provided all documentation requested upon opening the account. That was on XX/XX/year>. On XX/XX/year> a hold was placed on our account due to our identification being from another state. On XX/XX/year> we went to a branch and provided them with our signed lease agreement in Colorado, and we were ensured that we would have access to our funds by the end of the day by a banker. On XX/XX/year> we received communication that US Bank needed another copy of our IDs to lift the hold. Those were provided to a US Bank representative within an hour. It is now XX/XX/year>, a Saturday, and I have gone to XXXX branches and spoken to a phone rep and still have no access to the funds. The reason cited by a XXXX at a branch is that there is no one available in the fraud department on weekends. This is causing severe financial strain because we have bills that are now accruing late fees.
Product: Mortgage

Wells Fargo is in violation of the court order and stipuation agreement signed XXXX22 identified as XXXX 

Wells Fargo refused to offer the restorative orders of the court and failed to take steps after acknowledging that they took " proactice business decisions '' and extending the forbearance without borrowers knowledge and a a result denied a modification request under the XXXX XXXX XXXX under the VA loan progrom for mitigation. Wells fargo failed to offer and present options for home preservation at the end of the inital 3 month forbearance period and every period of extension therafter. 

These actions are directly in line with the reason why the CFPB fined and imposed penalties and restorative order and stipulation agreement against Wells Fargo in the first place. I have been denied a modification based on an illegal forebearance and breach of contract and breach of good faith by Wells Fargo. There is also a pending class actions before the courts for this same action of illegal business practices violating consumer and finance law which stems from the illegal business practices of automatically extending forebearances without the borrowers conscent or knowledge. 

I reached of the XXXX at the mediation line who told me there was no process to further evaluate claims for restitution under the referenced CFPB order and stipulation. XXXX further referenced me to the executive office who I have filed XXXX case files to investigate the illegal practrices of forbearance and loan modicfication denials which is specifically stated in the order as being affected. 

Wells Fargo has failed to put a system in place to identify those affected by the illegal practices identified and agree in the order. Wells fargo ( customer agent in the mediation department to identify those affected ) told me to " had to take other calls '' when I asked to research and investigate and conference with the executive office. I had both the executive office and the mediation person on the phone line established for the pupose of the CFPB order and XXXX refused to conference and investigate the nature of the request for restitution as stated in the order. 

The request for resitution under the CFPB order was also brought to the executive office many times who had no knowledge of the CFPB Order. They subsequented closed all the cases and deemed the case " resolved '' I am requesting that the CFPB investigate Wells Fargo for failure to comply with the Court Order and Stipulation agreement dated XXXX XXXX 2022 and attached hereto.