23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted Wells Fargo to set up a payment plan to pay off my credit card. As you can see for almost 6 years I have never missed a payment and never had a late payment. The second the COVID-19 pandemic took into affect in 2020 I had taking a major pay decrease as everyone did. I told Wells Fargo this and they did not help me but rather cancel my card and charged it off after a missed month. I am willing to pay this debt in full now in either one payment or multiple payments over a certain amount of time. However the charge-off statements on the credit report will need to be removed. I have been trying to contact Wells Fargo about this before it was going to become a problem knowing that I was going to potentially lose my job because of the pandemic. They were extremely rude, did not do anything to accommodate, left me in the dark, canceled my card, and reported me as delinquent. I need help settling this debt and I need help removing the unfair marks off of my credit score edited as it is now affecting my entire livelihood to purchase a car and finance a home
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}
Product: Mortgage

The dates are from  XXXX    XXXX   to current. There are thousands dollars involved here and even more thousands of hours involved. The people involved as the paper handlers, i.e.,   XXXX   XXXX   XXXX   etc., has changed  four ti mes. It all started with  XXXX , then switched to   XXXX   XXXX   XXXX  , then to  XXXX , then to and currently with  Shellpoint Mortgage Services.  I have had to go through  three mediations, two  of which failed, and have made hundreds of copies of documents and filled even more forms, over and over again. Shellpoint is trying to hold me responsible for thousands and thousands of dollars in charges and fees from these pas t seven y ears of trying to deal with this mess. If this had been handled properly and in a timely manner, none of these charges would exist and I would not be typing this complaint right now.    XXXX   XXXX   XXXX   XXXX   XXXX    is involved somehow and no  one  person owns my loan, it is owned by a computer system. I have spent countless hours on the phone, writing letters, typing emails and I have also gotten Senator   XXXX   XXXX   XXXX   office of   XXXX   Nevada involved.  XXXX , my contact there, suggested I contact your agency. So, here I am, contacting your agency. There is no way I could possibly send you the documents regarding this " modification '' as there are hundreds and hundreds of them and I would not even know where to begin or what to send you first. I will need assistance fro m one  of your representatives in this matter. I will need someone from your office to tell me what you want first.
Product: Mortgage

Refinanced my home mortgage, closing date XX/XX/XXXX. Wells Fargo received pay-off funds from XXXX XXXX  in excess of the amount owed ( {$1600.00} ). This over-payment occurred with my HELOC and other debtors related to the home, and all have returned by overpayment within weeks. Every time I call Wells Fargo they say next week, or 14 days. Its been 34 days since closing on my mortgage and Wells Fargo received the payout amount directly from XXXX XXXX. Please assist me with the return of the overdue funds from Wells Fargo.
Product: Mortgage

Complaint to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX XXXX ( " Defendant '' ), a XXXX XXXX XXXX XXXX, purports to be a lender but has been using various iterations of its name to conduct business unlawfully. 

Despite the transfer, Defendant XXXX XXXXXXXX XXXX XXXX, which is not a licensed lender, continued foreclosure proceedings against Plaintiff. 
Defendant has used multiple variations of its name, including XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX, among others, to obfuscate its true identity and avoid regulatory scrutiny. 

Defendant lacks proper registration and licensing as required by the XXXX XXXXXXXX Organizations Code 9.251 ( 1 ) and ( 12 ) ( C ), which should disqualify it from enforcing any deed of trust lien against the property. 

Issues with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX use of multiple names is intended to mislead and defraud the court and the Plaintiff. This fraudulent behavior needs to be addressed. 

Texas XXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX, not being a licensed lender, has no legal standing to collect on any mortgage or enforce any lien, especially considering that it has never provided any loan to the complaint. 
The Complaint has suffered significant harm due to Defendant 's actions, including wrongful foreclosure attempts, financial losses, and severe emotional distress. 
IV. Legal Arguments Violations of Texas Business Organizations Code : XXXX XXXXXXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX has failed to properly register as required, making its actions in enforcing the deed of trust lien unlawful. See Tex. Bus. Orgs. Code 9.251 ( 1 ) and ( 12 ) ( C ).

Unconstitutional Actions : The complainant challenges the constitutionality of Defendant 's actions under Section 9.051, arguing that the statute should not protect entities engaging in fraudulent practices. 
Lack of Lender Authorization : XXXX XXXX XXXX XXXX a XXXX XXXXXXXX XXXX company is not authorized to lend money or enforce a lien as it has not proven to be a legitimate lender. Case law such as Bierwirth v. Fannie Mae, which involved registered and recognized lenders, does not apply to complainant. 
V. Request for Action Complainant respectfully requests the CFPB to : Investigate the fraudulent activities of XXXX  XXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX and its use of multiple names. " XXXX XXXX XXXX, XXXX '' with the " O '' spelling Impose appropriate penalties and sanctions on XXXX XXXXXXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX for violating regulatory requirements and engaging in deceptive practices. 
Provide guidance and support to the complainant in seeking restitution for financial losses and damages incurred. 

Ensure that XXXX XXXXXXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX ceases all unlawful foreclosure proceedings against the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 a account without my written instructions
Product: Student loan

My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief. 

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : Enclosed with this letter are copies of the following documents, which support my claim of identity theft : XXXX. XXXX XXXX a. Account Number - No Account Number -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$20000.00} XXXX. XXXX a. Account Number - -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$3000.00} A copy of my identity theft report or a police report indicating that I have been a victim of identity theft. 

Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

A list of the fraudulent accounts and inquiries ( listed on the other Letter ), as mentioned above.

Under Section 605B of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within four business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies. 

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained. 

Thank you for your prompt attention to this serious matter. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft. 

Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email ]. 

Sincerely,
Product: Credit card

On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS PRIME INVESTMENT. I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES IN REGARDS TO THIS ACCOUNT IN THE AMOUNT OF {$640.00}. I HAVE ASKED CKS PRIME INVESTMENTS TO PROVIDE ME WITH A CONTRACT BETWEEN MYSELF AND THEIR COMPANY TO SHOW PROOF OF THIS ACCOUNT. CKS PRIME INVESTMENTS HAS YET TO PROVIDE ME WITH THE REQUESTED INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do Not live in Virginia but Equifax lists this as a Current Address. I have submitted a Current utility bill but Equifax Failed to Fix this. I can not afford to live in 2 places nor would I ever. Equifax has it listed that TN is a Former address.. My one credit card has submitted Correct ( TN ) address to the credit bureaus but Equifax does Not care. 
Do not respond to this with your generic garbage. I am uploading PII data and the utility bill and Virginia Must be deleted. 
I tried to do this dispute on the portal but Equifax states I can not due to the claim being open. That is Not true. The two that I submitted are marked as completed - XX/XX/XXXX submissions. 
Equifax is Terrible to work with and when I purchase a house Equifax will have to FIX this Issue ( bc that is what was demanded of them in XXXX when they Failed to list addresses Accurately - I have documentation )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought it to the attention of Experian that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Experian has ignored my previous request to update my utilization to 0 % and 0 balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX* DPT EDXXXX Account # XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Checking or savings account

Back in 2011 Had my lawyer case of $ XXXX And had it for 4 months I traveled to XXXX When coming to the United States again Until checked and only {$600.00} Was left in my account I did not make any large purchases And bank withdrew my money I went to bank and did not get any help Or any information on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> resurgent/ lvnv funding popped up on credit report and its not mine {$1300.00}
Product: Debt collection

! n accordance with the Fair Credit Reporting act Lvnv Funding, 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 a account without my written instructions Lvnv Funding has been sending me collection notices in the amount of {$310.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was on XXXX, I was making payment through XXXX XXXX XXXX program to capital one credit card and they report to credit bureau that I was late payment for 120 days even if I was paying to them through XXXX XXXX XXXX  program. I was very disappointed with XXXX XXXX XXXX and capital one credit card company. I was injured with XXXX XXXX XXXX that makes me unable to work for 3 months as well. I have only been in US for 3 year through refugee status and I dont understand much about credit game. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fresh start funding says attorney fees and a bankruptcy that is not mine all the agencies are reporting wrong name and addresses they have corrected some but my reports are still incorrect open disputes for months and no communication on them. I would like to file suite for every wrong on the reports
Product: Mortgage

I find it interesting and not a coincidence that Nationstar did an escrow analysis on my account AFTER I filed a complaint on XXXX. complaint # XXXX. When I checked their website before I filed the complaint on XX/XX/XXXX, it said my next escrow analysis would be XX/XX/XXXX. Before XX/XX/XXXX, it showed the next escrow analysis would be XX/XX/XXXX. So why was one completed AFTER the complaint was filed? Why did the website show the next one would be completed next year XX/XX/XXXX? I am sorry but I XXXX! 

AFTER I submitted the complaint and right after they responded, on XXXX, on XXXX they did an escrow analysis. So I do n't believe this is a coincidence but rather a result of filing a complaint against them. 

so now my payment is going up again by almost {$100.00} which again defeats the purpose of the modification, my payment is now higher then before it was modified. If I dont make the full payment then I get kicked out of the modification program and my house goes back into the Foreclosure process. How is this helping homeowners stay in their homes???? 

They cant admit they are wrong EVER and still refuse to prove that a lower interest rate was given over the phone multiple times. They have the proof in their phone recordings but refuse to provide that proof because they know they are wrong. Yes the modification paperwork was signed but again phone records should prove that this was still in question but due to the shortest timeframe ever, there was too much of a risk of losing the modification while the interest rate was still being disputed. which I was reminded of multiple times over the phone.
Product: Credit card or prepaid card

I AM XXXX XXXX. I XXXX XXXX XXXX  AND IF A PERSON AT CITI CARD DOES NOT REMOVE THE HEADSETS OR IS OVERSEAS, I BARELY UNDERSTAND A THING. I HAVE MADE THIS VERY WELL KNOWN TO CITI CARD AND OFTEN STILL HAVE GOTTEN FOUGHT WITH AND HUNG UP ON WHEN I ASK FOR A PERSON ON A HAND HELD PHONE AND A SUPERVISOR.

CITI CARD HAS MADE SEVERAL ERRORS ON MY DISPUTES TOO AND I HAVE HAD TO CALL SEVERAL TIMES DUE TO ERRORS DONE BY THEIR STAFF TO HAVE THIS FIXED.

MY CARD WAS CLOSED UNEXPECTABLY AND CAN YOU ONLY IMAGINE IF I WAS OUT OF TOWN, HOW DANGEROUS THIS COULD HAVE BEEN AND I WOULD NOT BE ABLE TO GET HOME AND I AM TOO XXXX  TO CALL ON A CELL PHONE AS I COULD NEVER HEAR.

I WAS AT CENTRAL MARKET BUYING GROCERIES WHEN THIS OCCURED AND I WAS TOTALLY PUT TO SHAME AND EMBARRASSED TO THE EXTREEME.

I HAVE BEEN A CUSTOMER FOR YEARS AND TO BE BLAMED FOR LYING ON A DISPUTE IS SO MADENIG AS IT WAS ME, WHO CALLED, WHEN THE MISTAKES WERE MADE BY CITI AND NOT BY ME.

XXXX  FROM CITI CALLED ME YESTERDAY AND TOLD ME THAT IT IS POSSIBLE THAT CITI IS WRONG ON ALL THIS AND THAT MOST LIKELY THEY WILL RE OPEN MY CARD DUE TO THEM AND NOT ME.

I CALLED AND LEFT XXXX A NICE MESSAGE ON THIS MATTER AND I BELIEVE SHE WAS ALREADY GONE.

XXXX  TOLD ME TO GIVE HER SOME TIME TO CHECK ON THIS AND SHE TOO SAID THAT IT IS VERY POSSIBLE THAT IT WAS JUST A CARELESS ERROR ON THE PART OF CITI CARD.

I AM SO UPSET OVER THIS FOR SURE.

CITI HAS REALLY BEEN WRONG ON THIS.

AT XXXX   IT WAS A MESS AS THE VENDORS REALLY MADE SO MANY ERRORS AND I DID HAVE TO CALL CITI TO GET THIS FIXED.

I ALSO HAD MY HAIR RUINED IN XX/XX/XXXX. I WAS VERY HONEST ON ALL MY DISPUTES.

I STILL FEEL THAT CITI CARD CLOSED MY CARD DUE TO MY HORRIBLE HEARING. THEY WILL NOT JUST COME OUT AND SAY SO, BUT I AM SURE THIS WAS THEIR WAY OF WANTING TO FIND A WAY TO GET RID OF ME.

I WILL GIVE XXXX   A CHANCE TO MAKE THIS HORRIBLE ERROR RIGHT. I WILL SEE IF THEY DO AND IF THEY ACTUALLY DO ADMIT THAT WHAT THEY DID WAS WRONG. I BELEVE THEY WILL FIND THAT THEY DID WRONG AND WILL RE OPEN MY CARD.

I WAS TOLD TO PUT ALL IN WRITING. I AM TOTALLY XXXX  AND MY DOCTORS HAVE MORE THAN ONCE THAT HAVING TO PUT STUFF IN WRITING CREATES A HUGE STRESS ON A XXXX   PERSON AND I AM NOT TO GO INTO IT AS I HAVE XXXX  THAT CLEARLY STATE THIS SHOULD NEVER BE DONE.

TO MAKE A PERSON WHO IS XXXX AND HARD OR HEARING AND WHO HAS OTHER XXXX SUCH A XXXX AND MORE, THIS IS VERY CRUEL.

LIKE I STATED EARLIER, PRAISE THE LORD I WAS NOT OUT OF TOWN AND NOT ABLE TO GET HOME.

I HAD NO WARNING OR A THING. THIS WAS VERY CRUEL.

TO BE ACCUSED OF LYING, WHICH, I NEVER ONCE DID, IS VERY NASTY. I WAS THE ONE WHO CALLED WHEN THE KIDS MADE THE ERRORS TO MAKE IT RIGHT. CITI IS SO WRONG ON THIS. I HOPE THEY OPEN THE CARD AND MAKE THIS RIGHT.