23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. Wells Fargo prior to these incidents admitted in United States v. Wells Fargo Bank , NA ( D.D.C. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, in XXXX 2016, Wells Fargo in the XXXX Wells Fargo & Co. Case No. : XXXX notified the United States District Court of Iowa that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, VA XXXX. Consumer is the legal owner of the land and the land deed is attached. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, have her put in jail and/or a psychiatric facility where she will be injected with XXXX and other contraindicated medications. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of Wells Fargo with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Quit Claim Deeds attached reserves all rights. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.
Product: Checking or savings account

Opened a checking account with Truist branch under a promotional offer for {$400.00} sent in the mail. I completed all required application steps, met all eligibility requirements, direct depositing more than {$1000.00} in the first 90 days of opening as agreed but did not receive promotional deposit. 

I called Truist on XX/XX/XXXXXXXX  to inquire about missing promotional credit and was told that that the bank would research the missing promotional credit. I contacted Truist a second time on XX/XX/XXXX and a bank customer said that I was found ineligible for the promotion, however this was not true. I was clearly eligible according to the terms and conditions of the promotion ( see attachment ). I read the terms of the account promotion to the customer service representative and spoke to a supervisor but the bank still has not provide the promised promotional deposit. 

The terms of the offer stated : " Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. 

Enrollment in the promotion is required at the time of account opening using promo code XXXX. Please refer to the Account Opening and Enrollment section below for instructions. 

*A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. 

Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. 

Offer Eligibility : Offer is only available to individuals who received a direct communication from Truist. Clients with an existing personal checking account with Truist or who have closed an account with Truist on or after XX/XX/XXXX are not eligible to participate. Account holder must be XXXX or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened in a Truist branch. '' All conditions have been met and the promotion should have already been processed.
Product: Checking or savings account

On XX/XX/2021 at XXXX central standard time I received a text message from phone # XXXX that said, exactly, We? ve had a request to change your WorldRemit account details, if it wasn? t you, contact us immediately so we can block the changes and keep you safe, than on the same date at XXXX central standard time from phone # XXXX I received a text message saying, Great news from WorldRemit. Your recipient has received XXXX ) reference number XXXX ). Thank you! Than on the same date at XXXX central standard time I received a text message from phone # XXXX, saying, Great news from WorldRemit. Your has received your transfer.. I did not open this text message to read rest of the message. 
I have never done any business, transfers, anything with WorldRemit, I go on line to check my checking account linked to my debit card and discovered 2 pending transactions both the same exact amount of {$90.00} each listed exactly as WorldRemit XXXX CO XXXX Y, then another one in the amount of XXXX listed exactly WorldRemit XXXX Co XXXX Y at which time I contacted my banks 800 number at XXXX central standard time on XX/XX/2021 to report the unauthorized charges in which the lady who I spoke to immediately canceled my debit card advising me to go to my nearest bank branch location when they open, Im unable to determine if they are open today XX/XX/2021 with the information provided for several branches stating they open at XXXX XXXX  but specifically stating, XXXX XXXX may effect these hours, I will call at least 3 branches after XXXX to check on weather or not they are open, if not I will be at my local branch Tuesday, XX/XX/2021 to fill out fraud paperwork as was advised with the lady I spoke to XX/XX/2021 on the 800 # on the back of my debit card. 
On XX/XX/2021 I received another text message at XXXX central standard time from phone # XXXX saying, XXXX XXXX your WorlRsmit transaction XXXX is pending due to the limits or your recipients mobile wallet. Kindly check your email for details. I have not received any emails in reference to anything remotely close to this WorldRemit not even in my spam/junk email. 
I have filled similar 2 separate reports with the XXXX XXXX XXXX Scam recovery spam tracker forms, the 1st report was for the 3 separate text messages within XXXX minutes of each other and the other report from the test I received on XX/XX/2021 at XXXX XXXX  central standard time. I took screenshots of everything for evidence for anyone who needs them obviously for only those are legitimate companies that combat these type fraudulent activities and my bank institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank USA/Target is falsely reporting that I made a payment on a charged off account that I have disputed. I have written to the bureaus to request an investigation three times. The first time they did not notate the account was in dispute or delete the account. XX/XX/XXXX only sent me an updated copy of my credit report showing the account is in dispute but they did not delete the account. After not receiving a response from XXXX XXXX and XXXX after almost a month had passed ; I found although neither of them did not respond to me in writing they both updated the account as being in dispute and they did not delete the account. 

The second time I wrote to them to request they delete this account based on inaccurate reporting, instead of them deleting the account they updated the account with TD Bank USA/Target falsely reporting that I made a recent payment on the account, which I did not, and they did not change the last activity date and the amount they claim I owe did not decrease. I wrote to the bureaus a third time to request they investigate how the payment was made, by providing me with proof of the payment whether it was a money order, check or confirmation from my bank as is my right. I have not received any proof whatsoever and the account is continuously being reported and not deleted by the bureaus. They are in violation.
Product: Mortgage

Previous to this incident I have never had a missed payment or any issues so this is my first incident with the company. I am currently undergoing treatment for XXXX XXXX XXXX XXXX XXXX and because of this was given a {$500.00} check from the XXXX XXXX to help towards my mortgage. On XX/XX/XXXX I sent the check for {$500.00} along with the remainder of my mortgage payment by personal check in the amount of {$730.00} to total the payment for my XX/XX/XXXX mortgage. Unbenounced to me, Rushmore sent the {$500.00} check back to XXXX XXXX claiming they were unsure how to apply and held my personal check in a suspense account. Nobody ever called me to tell me about the mistake I only found out the issue because somebody was taking pictutres of my home related to Rushmore and I called them myself to figure out what had happened. I was able to get the XXXX XXXX to cut another check and sent it in again to Rushmore with a detailed description of how the mistake had occurred and how to apply this check to clear up the XX/XX/XXXX payment. This was sent in XX/XX/XXXX. I have no received multiple letters about how they are starting the forclosure process on my home if I do not pay the balance, but they have the money to cover the payment. I have called and gotten no return phone calls and they are unwilling to help. I need them to apply the payment that they have and stop the forclosure process. It is very sad that this all started because a foundation was graciously trying to help me during this very difficult time in my life. Such a travesty and we need help.
Product: Credit reporting or other personal consumer reports

I CONTACTED EQUIFAX CREDIT REPORTING REGARDING MY PERSONNAL INFORMATIONS SUCH AS MY NAME ADDRESS AND PHONE NUMBER. 
I DID ASK EQUIFAX TO REMOVE ANY OTHER NAMES AND ADRESSES AND PHONE NUMBERS THAT NOT BELONG TO ME THEY REFUSE TO DO SO I ONLY HAVE ONE NAME ONE ADDRESS AND ONE PHONE NUMBER ANY OTHERES MUST BE DELETED IMMEDIATLY.
Product: Payday loan, title loan, or personal loan

Wilshire Consumer Credit is the worst company that I have ever had to deal with. I had a loan with them, and was paying {$14.00} extra per month just to pay off the loan faster. In XXXX I ran into some health issues and was {$16.00} short on my payment. WCC started calling me XXXX times a day, including Sunday. I spoke with them and informed them of the situation and that I would be paying off the loan. I got the information on the pay off and a check was sent out XX/XX/XXXX. They received and cashed the check on XX/XX/XXXX then on XX/XX/XXXX they repossessed my vehicle. Every customer service rep I spoke with was extremely rude and several hung up on me. They refused to give me any information on where my car was even just so that I could get my work badge and kids Christmas presents. Even though they repoed the car illegality, they refused to return my vehicle or my money. After fighting with them for days, missing work and my son missing school, I was left with no other option than to pay the repo. I sent them the payment of {$430.00} in the form they required and after they confirmed that they have received it, they said they didnt have any info in my vehicle and to call back Monday. I work weekends and this is the last weekend before XXXX!!!! They are crooks and have no sense of company/consumer relations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX , # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX and XXXX opened at XX/XX/23 and amount {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : - DPT ED/XXXX  : # XXXX - DPT ED/XXXX : # XXXX - DPT ED/XXXX  : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

These accounts range from 13 to 15 years old ( XXXX ), constituting a significant violation of my consumer rights. 

I request the immediate deletion of these accounts. XXXX has already deleted these accounts in recognition of this violation. Experian and XXXX must now take immediate action to rectify this violation.
Product: Checking or savings account

Earlier this month, on about the 2nd of XXXX 2022, I attempted to open an online account with Chase bank. I deposited my XXXX relief check in the amount of, {$1800.00}. I tried to acces the account through the online application about 2 days later, and was already locked out of my account, was given a number to call to resolve the issue, I called and was told I would need to go down to the a local branch to present identification in order to have the account unlocked. The reasoning they gave was possible fraudulent activity.I went down to the local branch and provided my information. The person there told me that my account was already being closed. I was also informed by the same person that if the check was being processed I would be sent a cashiers check by the bank.If the check wasnt processed I would still be able to use the check at a different bank. I called about two days later to check on the status, and was told that the check had not been processed and that my account would just be closed. That was fine I went down to XXXX  XXXX XXXX, and opened a checking in the savings account with them I took the check with me to try and deposit it there.I was told by the people at XXXX  XXXX XXXX that the check had already been processed. this upset me because I was told on two different occasions by people at Chase that the check had not been processed.This was on XXXX XXXX I went down to the local chase branch and sat down and spoke with them in person again. I presented my ID my social and had the original check with me.The person at the bank called Chase headquarters and spoke with somebody in the fraud department for about 25 to 30 minutes there in front of me she told him I presented my identification and that I was sitting in front of her. they still refused to unlock the account and release the funds, at this point I was no longer interested in banking with Chase.I had already opened a bank account with XXXX  XXXX XXXX I was trying to move on and have the funds so I can deposit it with my new bank. here I am three days later Ive called them twice since then and they still will not release the funds from my bank account that I no longer want. I spoke with them this morning and theres still a hold on the account I informed them that I would be filing a complaint with the local and federal government.At this point I am extremely frustrated because this is Covid relief check from the treasury department Ive showed them IDs spoken with them several times presented them my Social Security card, and Im still not getting any positive response.Im not sure what else I can do at this point and that is the reason Im filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts reporting on my TransUnion report has the following inaccuracies and are in violation of my rights per CFPB Account # XXXX XXXX XXXX  is charged of with past due amount, Account # XXXX XXXX XXXX charge off with past due amount, Account # XXXX XXXX XXXX charge off with past due amount and account type open, Account # XXXX XXXX XXXX charge off with past due amount TransUnion is in violation of 15 USC 1681s ( 2 ) ( A ) ( 1 ) a person shall not furnish ANY information related to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate. Accounts follow.
Product: Debt collection

Experian, XXXX, XXXX reporting wrong names & other things on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

SPS select portfolio services and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX  XXXX {$4900.00}
Product: Debt collection

ThisbillwasduetoacarAccidentXX/XX/2018XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 Balance : - XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my credit, I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my credit.
Product: Student loan

Hello, I was notified that my student loan servicer has reported me late on my credit report. I was on an income based repayment plan and not aware of a payment due. I contacted the servicer in XXXX and was not told there was a payment due. As a veteran, I rely on my credit which is important. I also spoke to the representative last month, and told her I did not agree with the reporting. She informed me that she would make the account current and what was past due. She never put the account in deferment/ forebarance. I am also including the document history which shows the last time documents were uploaded. 


Between me and my wife we have over XXXX in student loans, my payments are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and saw some accounts on my credit report that I did not recognize. 
I have submitted multiple letters since XX/XX/2022, to XXXX  to get a debt validation on XXXX accounts they have reporting under my name on my credit report. They have not responded. I then sent Experian a letter to let them know that I tried to validate it and there was no response from affirm and experian sends a computer generated '' its been validated ''. SO I then filed an FTC identity theft report as well as a police report and I forwarded them to XXXX  and Experian. 
Nothing has been done to date. XXXX, XXXX  sold this fraudulent account to XXXX XXXX ( which I just received a collection notice from )- but affirm is still reporting this account. 

Ive attached a copy of both accounts credit report, a copy of the FTC identity theft report, police report, and XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed charge from XX/XX/2022 from XXXX XXXX were I DO NOT hold a policy. Have been disputing this company for months and asked to have them blocked because Bank of America allowed them to continue to charge me. Bank of America put a block only of the dollar amount so XXXX charged a lump sum of all disputed charges into one. Contacted Bank of America to dispute the new charge. They disputed it and gave me a new card. however they put the charge back on my new card. I called a month ago and was told the credit was just not moved over from the old card and that the charge was in dispute they were just waiting for the credit to move to my new card. A month later this charge is still on my account. No on e from Bank of America can help or is willing to help. Have spend a total of XXXX XXXX on the phone trying to fix this with no avail Now I am being billed and recieveing late fees for charges that should not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX   XXXX XXXX, XXXX FL XXXX Please remove it