23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX, MN XXXX XXXX : Wells Fargo Home Mortgage Modification I am in receipt of Wells Fargo Home Mortgage 's responses to : Myself ; The Minnesota Attorney General 's Office ; and The Consumer Financial Protection Bureau regarding my extreme opposition to Wells Fargo processing of home modifications and foreclosure processes. 

Attached is a chronological itemized list of events and supporting documentation regarding my account with Wells Fargo account from XXXX XXXX to present date. Wells Fargo 's response only includes documentation that attempts to support their position and intentionally omits several communications that they do not want to reveal. They have a broken system at best, and I believe that they put homeowners in a position where they can not recovery from and allow foreclosures to their benefit. 

During this whole process, In addition to working with Wells Fargo 's assigned Home Preservation Specialists, I talked to dozens of additional specialists when I was unable to contact or have my voice messages returned from the specialists I was working with. Over and over again, I was giving conflicting status reports on my account to include requests for additional documentation needed when it was already provided. On several occasions, I was informed that in fact they had received the information that was being again asked for. In addition, I was frequently transferred from specialist to specialist as they could n't figure out the status of my account. Whenever they got stuck with an issue, they reassigned me to a different specialist who would request all documentation be resent. This led to many wasted months of the modification process and put me in a position of losing all of my home owner rights after 28 years. 
Wells Fargo DID NOT address the number of times I FAXED documents to them only to say they did not receive them. And in cases where they did not receive any documents, I would go back to the bank ( I only used Well 's FAX machines ) where they over and over again would say their fax was not working properly. Eventually, they recommended I use a different branch which I did, only to have the same thing happen. I have several Well 's employees that I got to know very well because of this. And I am prepared to have them testify to this situation. Therefore, I am requesting all documentation in their possession regarding my acct. 
Wells Fargo DID NOT address the number of phone calls I made to multiple Home Preservation Specialists who : Were not available ; Or, were available but could not figure out where my documents were ; Or Assistants who could not help me and failed to communicate my messages only to get one apology after another. Therefore, I am requesting all of their recorded phone conversations with me which will validate my claim. 
This matter continues to cause severe personal hardship and mental strain which can be validated by the VA Hospital. As an individual, homeowner and veteran of the US Military, I am requesting further investigation into their incompetence, deception, and fraudulent activities regarding Wells Fargo and these matters. 
Kindest Regards, 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 https : //www.ftc.gov 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 XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX  XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Upon using cash app, I have mistakenly sent money to maybe XXXX or XXXX different people and have requested my money back as they told me to. Upon requesting it back XXXX incident occurred where the person did try to send the money back and cash app blocked it and they denied the claim. They also close down the other parties cash app as well as with their money still in there. They block their account as well with their money still in the account. This person is now not able to get their money or send me any money as well it is. I file a dispute. It gets denied! I read in there policy that when money is sent to the wrong person, its up to the bank to agree to return the money back to the center. I have been told that they are not allowed to do that that thats not in their policy and then again they arent allowed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President XXXX wants to do away with the credit bureaus, they are useless.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

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

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response.

My information was involved in the Data Breach and are unfairly being reported to my credit report.

Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX. XXXX Account # XXXX XXXX. XXXX - XXXX I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my report.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX has violated the FCRA 1681, by not conducting a reasonable investigation into the account XXXX XXXX XXXX ( XXXX ). Transunion XXXX XXXX has also violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days. I am attaching an FTC affidavit validating that the account is not authorized be me. I am also including a XXXX Police report as well. I am also attaching a copy of my identification. Please delete the account from my credit report that you maintain under my personal information. Failure to remove it, will result in a lawsuit being filed against the Transunion XXXX XXXX.
Product: Credit card or prepaid card

They refused to close an account that I have never activated or used. They continue to hit my credit with late payments. I called and asked to close the account they refused. They do not have the right to use my name as it is copyright and trademark!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, Equifax, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

I am REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report numbers related with this complaint XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title XXXX Section. XXXX  that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

I have a XXXX dollar debt originally from an internet provider. It was sent to Transworld Systems, it has been harming my credit for 6 months now. The phone number for Transworld never is answered. They don't have a website and century link the alleged source of the debt can't tell me if I even owed it. I just want this to stop wrecking my credit I am happy to pay if I owe but need a method to do so. Transworld Systems seems to be a credit score destroying company not a debt collector.
Product: Bank account or service

I have been going to a local Chase branch in XXXX NJ for the past six years, since the branch opened. I stop by a few times a months on my way to my son 's school to drop off a deposit at a teller. The account I have does not have a debit card, so I can not use the ATM. I have no problem using a teller and I have become friendly with the tellers that work there. I usually deposit checks, but once in a while I deposit a roll of coins. Coins can not be deposited over the internet or at a ATM, so waiting in line is my only choice. Recently, I stopped by and a new teller was working at the branch. I was deposited a check and one roll of nickels ( {$2.00} ). She asked me for my ATM card or ID. I have my work ID around my neck, which is what I usually show. She called over a manager, XXXX, and they refused my deposit. The manager claimed the {$2.00} roll of coins required a federal ID, such as a passport or birth certificate to deposit. It was to stop money laundering of cash. I explained I did not have ATM card on the account or a passport on my person. The manager became nasty and told me to leave the branch. I left and deposited the coin roll and check at the XXXX NJ branch without a problem. Two days later I came back to the XXXX NJ branch with another deposit and the regular teller was there and accepted it without a problem. 
My issue is that the federal ID requirement is waived if the customer is recognized, but enforced if the manager feels like it. My deposit slip with my customer information should be enough to deposit one or two rolls of coins. It is a deposit, not a withdrawal or cash exchange. I was always told that legal cash and coins are good at any bank. Making customers feel like criminals to place money INTO a bank is just poor customer service judgement, especially for a roll of pennies, nickels or dimes.
Product: Debt collection

I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report. I have taken all of the necessary steps to dispute these accounts, including contacting the bank and law enforcement agency, filing a report and affidavit, and submitting my claim with your bureau for over 6 months. Despite my efforts, I have received the same ridiculous response every time. This is the XXXX complaint I have filed against them, and it's clear that they are not taking this matter seriously. Your bureau is reporting inaccurate information on my account with XXXX XXXX  XXXX XXXX, which is a clear violation of the FCRA . Reporting must be 100 % accurate, or the information must be deleted. I demand that you take immediate action to rectify this issue. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. This matter must be handled with a sense of urgency, and I expect a prompt response regarding the removal of this inaccurate information. I am tired of being ignored and pushed aside, and I demand that you take this matter seriously. Failure to do so will result in legal action.
Product: Credit card or prepaid card

There was fraud on my account and I reported it when I found out. Even though there is supposed to be zero liability for fraud, they are attempting to hold me responsible for it. They told me to contact their fraud department to find out more, but when I call the number to the " fraud department '' I am told they are just some separate entity that is speaking on behalf of Avant and it is Avant who is denying it and they just do what Avant tells them to do. The representative would not tell me what company she was with and said " I do not know what to tell you about who we are '' and then stated I had to call Avant, to which I stated Avant told me to call the number for whatever entity she is with. She then stated she has no idea why Avant does that, but it is what like to do.
Product: Credit reporting or other personal consumer reports

According to my credit report, my credit and personal information was shared during a data breach in XXXX XXXX. I am filing this complaint under the 15 USC 1681 law that protects my privacy.
Product: Credit reporting or other personal consumer reports

At this moment. I am in litigations with three company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is XXXX XXXX. And Lvnv llc funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Furthermore, I have filed an identity theft report which is attached to this letter. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00}