23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I don't know if this complaint is applicable to the XX/XX/XXXX announcement regarding Wells Fargo Bank but I'll try. I have been a XXXX customer since XXXX. I had a construction loan in XXXX, then a XXXX XXXX XXXX. In the midst of the financial crisis, I was one of the few customers who could qualify and pay XXXX back without going bust. However, the situation was difficult and my first interest only loan in XXXX generated a LOT of money for XXXX. 

In XX/XX/XXXX, I made a business deal that allowed me to pay down my interest only mortgage by almost 50 % and contacted my WF about refinancing. " No problem and absolutely. '' was basically their answer,. The amount of financing needed was probably 30-35 % of my home value, thereby looking like a pretty low risk deal for Wells Fargo bank XXXX The bank proceeded to jerk me around, delay the progress in getting the refi approved and they dragged this process out until XX/XX/XXXX. During those critical months I continued to pay {$10000.00} per month in interest only payments and despite my complaining, the timeline dragged on. 

I feel that they did this on purpose and saw little reason why this process could not have moved faster. They knew me, they knew my property and I was working with their XXXX Bank in XXXX XXXX. 

I feel they delayed and cost me anywhere between $ XXXX {$30000.00} in unnecessary interest only payments. Which I would certainly like to debate if possible.
Product: Debt collection

Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXXXXXX XXXX Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself Lexis nexus another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let XXXX XXXX XXXX core logics lexis nexus Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There XXXX XXXX they was not XXXX XXXX XXXXXXXX. I was they look at me like money gold mine because I was XXXX XXXX XXXXXXXX they are not from untied states.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Debt collection

2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find several unauthorized hard inquiries without permissible purpose by American Express on the following dates : XX/XX/XXXX,  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I only applied for ONE card with American Express on XX/XX/XXXX and for which I was approved but then AFTER my approval I was hit with 5 additional inquires that I did not authorize nor give any permissible purpose to access. When I contacted American Express they informed me that these would be " soft inquiries '' and that they would " fall off '' within 3-5 business days. They indeed are NOT " soft inquiries '' and have not " fallen off '' in 3-5 business days. Therefore it is my specific request that they be removed from my XXXX report as I did not give any permissible purpose for them to access my credit report past the date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$560.00}
Product: Credit reporting

XXXX XXXX XXXX ( collection agency ) reported a debt from XXXX XXXX XXXX. ExperianXXXX deleted it. Now XXXX XXXX ( a different collection agency ) is reporting the same debt from XXXX XXXX XXXX and they refuse to delete it again. Also the debt is being reported TWICE on my credit report for the same amount and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau reporting XXXX days late for Bank of America. I have contacted Bank of America about the incorrect data. They have advised me to contact the credit bureau.
Product: Debt collection

Received a letter stating I owe to XXXX which doesn't make any sense since I have a credit and my account is attached to several forms of payment. This is obviously a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made 4 disputes to TransUnion about an account with XXXX XXXX credit that was charged off and closed that still showed open from XX/XX/XXXX to XX/XX/XXXX. The account was closed but started reporting as open XX/XX/XXXX. My credit score dropped over XXXX points because of the error. I reported it XX/XX/XXXX, it still showed open. It was finally fixed in XX/XX/XXXX and showed closed but my score did not change. I was penalized twice from the initial charge off in XXXX and again XX/XX/XXXX when it was reported as open and lost over XXXX points in my credit score because of the error. I have asked them to fix it several times. It reports that its been fixed, but what about my credit score?
Product: Vehicle loan or lease

Im not sure if this was fradulent but on XX/XX/23 i co sign for a loan. My partner was suppose to be the primary. 
I recieved the paper work from the bank listing me as the primary. 
I called the bank and said this was an error and that i was co signer not primary. The bank NBT stated that the dealership XXXX submitted the application as me being the primary and that for it to get fixed i would have to re finace. 
I called empire XXXX and havent recieved a call back. 
I then called their corp office. A rep said they were going to look at the matter. 
I want to submit a complaint incase the matter is not fixed tomorrow. 
All the paper work i sign says im co signer I can send documents on a reply email
Product: Bank account or service

This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for Transunion. The account i'd like to self-report is with Florida XXXX and XXXX company, account number XXXX which i have shown positive payments. This account is reflecting on my experian report but not currently reporting on my transunion or XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional XXXX is violating bankruptcy law by reporting a debt on our credit files that was included in bankruptcy and continue to report monthly as delinquent debt. This illegal reporting has caused us harm and we will sue for violation of Bankruptcy and FCRA laws. This is a joint loan- XXXX and XXXX XXXX XXXX attachments included to prove. Filed complaint on the 1st and creditor sent back without researching and just said no account. As you can see we had an account, it is continuing to be reported. I will sue for {$10000.00} in damages.
Product: Vehicle loan or lease

My account with wells Fargo auto shows I am 60 days late on my payments for XX/XX/2020. I was 30 days late not 60 days, I have caught up all payments and then some. I paid {$230.00} On XX/XX/2020. Regular payments are {$220.00}. I then paid {$400.00} on XX/XX/2020. My statement date ended on XX/XX/2020. I show a pay off amount of {$6600.00}. As of XX/XX/2020. I disputed the 60 days late on my credit report and when my dispute came back it said that my balance is {$7600.00} on XX/XX/2020 No payment for XXXX was made. I have a statement that shows otherwise. Every time I have had an issue with Wells Fargo Auto it has always been a fight even when I have the factual paperwork in hand to disprove what they are saying.
Product: Debt collection

Im being sued by Crown Asset Management LLC. A company I have never done business with or heard about. Without any warning or notification, I received letters from various lawyers informing me that Im being sued by the referenced company. I have never received any communication from this company that I owed any debt. Furthermore, the debt they are suing me for belongs to an old credit card that had a balance due to being a victim of identity theft as I have already disputed the debt with original creditor through the credit bureaus such as XXXX, XXXX, and XXXX. After the respective bureaus concluded their investigation, this debt was removed from my credit report since it was deemed fraudulent. The debt was due to unauthorized transactions not made by me and didnt have any knowledge about it, nor did I authorize it. The original creditor agreed to write off the balance to XXXX  dollars as it was deemed that I was not responsible for this debt. More than a year later, Im now being informed by various lawyers that this company is suing me which is ironic since I never received any communication from crown Asset management LLC regarding this debt. It seems as if they are trying to collect on a debt that was resolved with the original creditor while acknowledging that this debt was fraudulent. I have never heard of such practices where there arent any kind of communication from this company then just to realize that I have been sued by a company that purchases debt for XXXX  on the XXXX  by taking you to court without any previous written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXXXXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Credit card or prepaid card

HSBC CREDIT CARD ending in XXXX now ending in XXXX ; On or about XX/XX/XXXX I received a paper statement showing that the entire credit limit of {$5000.00}. was used. I called and notified HSBC that this was fraud. I had not used my card for anything. The HSBC is a backup emergency card that I do not use. They informed me they would cancel that credit card and send me a new one ; which they did. The letter from HSBC acknowledging the  unauthorized use on my card was dated XX/XX/XXXX with the new card, received on XXXX XXXX or so. I then received a 2nd credit card statement with a balance owing of {$210.00} and a due date ( DD ) of XXXX XXXX, XXXX. I called HSBC fraud team again and informed them that these were not my charges and repeated I had not used my card. They said they would remove these fees and  charges of the $ XXXX fraudulent cash advance. Then I received a 3rd cc statement stating I had an amount owing of {$220.00}, with additional fees and charges on the original and subsequent fraudulent charges, fees, and interest. I called HSBC on Sun,  XX/XX/XXXX and repeated these were not my charges. I was told I would have to call back between M-F XXXX CT. I have called the HSBC fraud team today, XX/XX/XXXX again and asked them to remove these charges. Again they inform me that it will have to be investigated. One fee of {$96.00} was for the check written for the {$5000.00}. How could they even authorized going over my credit  limit of $ XXXX? I am sorry but enough is enough. These are fraudulent charges. Further, HSBC had reported late payments to the Credit Bureaus affecting my credit score and these are not even my charges. How can I get HSBC to stop billing me for fees and charges that are not mine? How can I get HSBC to correct their late payment reporting to the credit bureaus? How can this situation get rectified? Thank you.
Product: Debt collection

I am being charged for an alleged debt, and I never entered into a contract with L J ROSS ASSOCIATES IN. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. They also never provided me with any written notice or right to dispute the debt before publishing it to my credit report. These acts are severely prohibiting my ability to access my own credit.
Product: Credit card or prepaid card

XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Fl, XXXX Security Deposit Refund Request ( Third Letter ) I am writing this letter pursuant to Section XXXX, Florida Statute ( XXXX ), requesting the return of my Security deposit, which is {$400.00}, to refund my security deposit and/or provide an itemized statement listing the amounts that XXXX XXXX XXXXXXXX has withheld. 
As of XX/XX/XXXX, I have not received my security deposit or an itemized statement. XXXX in XXXX has illegally held my deposit for 6 months, so I can proceed with a small claims action to get my deposit back. 

Wells Fargo ruled the claim inadmissible, because the company told them that they were application expenses, when we attached the certificate indicating that it was for a deposit and to date the company does not want to return the money for an apartment that we never received. It was assigned and we never lived
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had unauthorized hard inquiries on my report. Please remove these hard inquiries from my credit report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a vehicle reporting in my credit report from XXXX XXXX My identity was stolen and used to purchase a vehicleI filled out the theft package and also completed a police report and they still will not remove the account I also sent a copy of an FTC report..
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 Account Number : 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 XXXX 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 card

To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX
Product: Credit card

On XX/XX/year>, I placed an order for a XXXX XXXX XXXX and a XXXX XXXX, and it arrived on XX/XX/year>. Immediately upon opening the package I saw that I was shipped knock off merchandise, so I emailed the merchant and let them know that what I received was not what I ordered. They played clueless and asked me for pictures so I obliged and sent them photos of the shirt and the sweater to which I received a reply explaining that I could not get a refund because all their clothes are custom-made, I explained that it is illegal to knock off name brand clothes like XXXX and make custom-made clothing in their image. Which to me looked nothing like what was being advertised online and even when I was checking out, they showed photos of what I was supposed to be buying and I did not receive any cooperation from the merchant. They stop responding to me. They refused to give me a refund for the fraudulent merchandise that they sent me, I did report them to XXXX. I have reported them to the FTC as well, then I tried to do a charge back with the credit card company that I made the purchase with which was Goldman and Sachs an Apple Card. I submitted the receipt, which was the order that I was emailed that showed photos of what I thought I was buying. I submitted photos of what I received. I also submitted the emails back-and-forth between myself and the merchant and my dispute was denied. The amount that was being disputed was for {$100.00}. My complaint is for Goldman and Sachs Apple Card because they had ample proof that I was in fact scammed and they still ruled in favor of the fraudulent merchant so I am reporting them for not protecting me with this purchase.