23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Judgement lien ( from not paying credit card ) agiasnt my checking account with Wells Fargo Legal Order Processing Department. Once I sent proof to the XXXX XXXX XXXX XXXX  that I was XXXX  they updated thier file. In the meanwhile I recieved letter from Wells Fargo that my checking account was proctected & no one could withdraw monies because it was social security. Wells Fargo did not protect my savings account, Wells Fargo All departments would not help me at ALL. I told Wells Fargo that social security was being transfered into my savings & they are taking my money. I could not cancel the transferring because I would owe Wells Fargo a monthly fee. 
I kept fighting going back & fourth with XXXX XXXX Wells Fargo, Till I finally Won. 
XXXX XXXX XXXX XXXX  asked me to send my checking & savings statements for the 60 days showing that exempt money was transfered into my savings & was not suppose to be taken because its social security money. 
XXXX XXXX XXXX on XXXX sent Wells Fargo a sign release from thier attorneys lifting the lien & allowing Wells Fargo to send me all the money they had taken. 
They sent Wells Fargo another release on XXXX. 
Wells Fargo said they sent the company a check on XXXX {$510.00} but confirmed it was not cashed. 
I have made SEVERAL calls to Legal Order processing department Wells Fargo & told me to bad, they can not give me my check. I have to call the company & ask them to send back the check. My response is : Why do I have to call I do not work for either company & the check is not cashed. 
I have asked for anyone Management, departments anyone who would help at Wells Fargo, They just keep telling me, sorry I have to get the check sent back. 
I have all the dates and names of all employees that I have spoke with. 
The bottom line, Is I did all the work, am procted under the XXXX and now that I won, Wells Fargo will not give me my check. 
this is been going on since XX/XX/XXXX. 
Please help me get my money back from Wells Fargo. I do not know what to do anymore. 
I have all the letters & faxes that are involved in this case. 
Wells Fargo Legal Order case # XXXX XXXX XXXX XXXX XXXX  Case # XXXX If anyone can help me, please. 
my contact is XXXX & of course email.
Product: Credit reporting or other personal consumer reports

Calvary Portfolio Services account # XXXX I am unaware of this debt. I didnt receive proper notification of this debt in order to dispute this debt properly. If you believe that you gave me proper notification as required by federal law, please send me the receipt of the certified mail with my name and signature on it in order to verify that I received proper notification from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, no later than 4 business days after the date of the receipt. I Have Attached My FTC Report To This Compliant To Prevent Further Staff Tactics From Equifax
Product: Debt collection

This account was sold to third party company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$200.00} DATE OPENED XX/XX/2023 SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good afternoon to the Consumer finance. We had a loan being serviced by Shellpoint mortgage servicing and we refinanced with another lender. 

We paid them for the month of XXXX on XX/XX/XXXX but somehow they attempted to withdraw the same amount on XX/XX/XXXX from our account when we had already paid them on XX/XX/year>. The loan was paid off by our new lender on XX/XX/XXXX and we have {$7500.00} in escrow which is to be refunded to us We made several attempts to contact them at their customer service number. Shellpoint Mortgage servicing XXXX XXXX but it appears that once the loan is paid off all phone communication is also cut off. 

With that phone number they asked for either the social security number, the phone number or the loan number and after the recording says " We are unable to find for loan good bye!!! And it hangs up '' " Only people with a current loan number is able to contact them which is a bit unusual. Anyone should be able to speak to customer service even after their loan is paid off just in case there is a question or overbilling, escrow deposit not returned etc... 

We are left in the dark and their is no working number to contact the billing department to inquire about our escrow deposit which should be returned, us being billed twice for the monthly statement of XX/XX/year> and also Interests charged twice on the XXXX mortgage and the HUD ( XXXX statement ) Please help because they cut all communications with us and there aren't a dedicated phone number to ask questions, express concern with billing unless one is a current customer. Anyone should be able to reach their representatives for questions, concerns, escrow refunds etc ... not only current customers, past customers are completely left in the dark and are not able to reach anyone Thanks in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Checking or savings account

On XX/XX/year>, while en route to a counseling appointment, XXXX received a text from Chime regarding a {$30.00} purchase at XXXX, which I did not make. Subsequently, I noticed multiple fraudulent transactions on my account, including : XXXX. {$30.00} at XXXX XXXX. ATM XXXX of {$200.00} XXXX. ATM XXXX of {$200.00} XXXX. ATM XXXX of {$100.00} XXXX. XXXX ATM fees of {$2.00} each, associated with the above ATM transactions I reported these fraudulent transactions to Chime immediately and was not able to file a dispute due to the charges still pending. I formally filed a dispute on XX/XX/XXXX or XXXX, 2024, after the charges weren't pending anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to submit the proof of this part of my last complaint just submitted to Equifax : Last Dispute sent XX/XX/XXXX : ID FOR COMPLAINT SENT TO EQUIFAX XXXX Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter. 1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in JXX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.
Product: Mortgage

Specialized Loan Servicing is refusing to offer a loan modification and only offering a forbearance due to COVID-19. The forbearance does not help me or the vast majority of homeowner 's since the balance of the 3 month forbearance is required to be paid in full at the end of the forbearance. What is the point of even offering this? 

SLS refuses to even offer the prospect of a loan modification simply stating that it 'may ' be available in the future and that they can't offer any additional information pending " a review of applicable laws and statutes ''. 

Their Customer Service has been unwilling to assist me as a homeowner simply because my loan isn't federally backed. My complaint is to try and force them to treat these loans as federally backed and offer loan modifications rather than forbearances. My original loan from 2010 was with federally backed mortgage. Due to circumstances that I had ZERO control over the loan has been sold multiple times and ended up with SLS. Now I am being penalized during a GLOBAL PANDEMIC. I find this terribly unfair and am asking for your assistance
Product: Vehicle loan or lease

On XX/XX/2020 I was made aware of fraud and a lawsuit from Santander Consumer USA in regards to the dealership that I bought my car from. In reading the court documents I was made aware that there are 2 unknown files that was submitted to the financial department at Santander and I am sure they are aware or have some dealings with this matter. I am asking for BOTH files with only the information I submitted and NOT tampered information that was falsely given to them. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, insane interest rates, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties my vehicle will be repossessed. I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus that has been sold and illegally reported to Third Parties.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I was trying to send my mother money using your Remitly App her name is XXXX XXXX XXXX XXXX to XXXX but the transaction has been on hold since Friday XXXX of XX/XX/2020. I want you cancel the transfer and send the money back to my account the reference no for the transfer is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper DBA Nationstar LLC had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to Mr. Cooper via US Mail on XX/XX/2018. I received notification from XXXX, XXXX and XXXX that Mr. Cooper was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by Mr. Cooper, to show that I signed the document in the presence of a notary. Mr. Cooper has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent police report to Capital one credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like XXXX  to delete it I am XXXX  XXXX person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX
Product: Money transfer, virtual currency, or money service

I received a direct deposit on XXXX in the amount of XXXX on my Chime account and I tried to transfer funds it was decline. I checked the mobile app and it was a wire transfer to someone I dont have any acknowledge ofin the amoutnt of XXXX dollars. I reached out to Chime but they was of no help.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit report that do not belong to me. Inquiries for loans and credit cards that I did not submit. The accounts that are showing were ; a loan for XXXX XXXX XXXX a Credit Card Inquiry for XXXX XXXX, and XXXX XXXX Bank
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXX  Account XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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: Credit card

Online merchant XXXX automatically charged me for XXXX subscriptions in the amount of {$91.00} each for a total of {$180.00}, orders were placed on XX/XX/XXXX and XX/XX/year>. They never shipped out these products, and I tried numerous times to contact them, but their customer service line is disconnected, no response back to my emails, no responses back from social media DM 's, their social media account comments are also limited. 

I contacted my Macy 's American Express card to dispute these XXXX charges that were made using this card, and both disputes were denied without reason. I have reopened the disputes, called numerous times to be hung up and not given a reason why I can not get my money back for my losses.
Product: Debt collection

There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX PM just as my daughter was to be arriving at her home in XXXX XXXX after visiting her brother & me in our home in XXXX XXXX, I received a call from a XXXX #. On the other end of that call was my daughter crying hysterically that she'd been in an auto accident. Then a man came on the line stating that she was fine but was in an accident with the wrong person ... claiming he was in the XXXX XXXX. To make this long story, he proceeded to tell me what to do if I ever wanted to see her again. I withdrew cash & attempted to send him {$2500.00} @ XXXX XXXX. The transaction failed because fraud was suspected. Then I went to XXXX XXXX to send a MoneyGram & discovered I'd lost my ID in my nervous frenzy. He told me to pay a stranger to send it for me, so I did. I was instructed to tell him I had a relative in XXXX XXXX XXXX XXXX  XXXX. He sent it for me & brought me the receipt w/the transaction # on it. Just as I was about to read it to the perpetrator, my daughter texted me. I hung up on him & ran through the store to find the guy who sent it for me to tell him it was a scam & get my money back. XXXX XXXX told me I had to file a police report & go through a process which I did, but that was not the case. Now my $ is tied up ( no one received it ), & MoneyGram will do nothing even though I sent them a huge file with everything documented. They could clear it up by calling the person who I paid {$200.00} to send the {$2500.00} MoneyGram on my behalf after misplacing my driver 's license but have neglected to do so. I'm so grateful that my daughter is okay, but it was very convincing, & I lived in a border town for 35 years & these things actually happened. It was the most terrifying day of my life. All is well now, but I would like to have my {$2500.00} back. I have tons of personal/financial documentation & receipts I can provide you when you request them. I pray that you can help me with this terrible dilemna.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing financial injury, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.
Product: Debt collection

I have no knowledge of this account at all. I am XXXX  and have not rented from anyone at all my entire life. I will provide proof that I am a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX    XXXX   Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX