23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargos continued denial of wrongdoing is unacceptable! When its beneficial to Wells Fargo, the lack of records they dont have access to anymore, claims theres nothing they can do! I have the original Wells Fargo home mortgage statements late payment notices, foreclosure notices every month! All the payments I have attached and sent with this complaint, are the payments from the multiple monthly statements, the XXXX XXXX records, and every single payment written down, has the date, amount, and confirmation numbers with each payment. For Wells Fargo to insinuate they are forged, or whatever excuse is beyond ridiculous. They also have the audacity to say the payments reflected in our bank account XXXX, our bank must have charged a fee and that is why their payment amounts are not the same as our and our bank! Wells Fargo had no idea even in XXXX how much our actual payment was. XXXX had manipulated and defrauded our account. Wells Fargo just began making up numbers and lost payments. We have been assessed late fees from XXXX! On top of the bogus accidental death insurance, the other charges! And the numerous payments made in one month! The last foreclosure XX/XX/2014. As stated in a response about Account foreclosure actions! I have sent a letter from Wells Fargo, refusing our XXXX XXXX XXXX! Rhey couldnt accept the XXXX. Due to it not being enough???? 
Wells Fargo continues running a criminal enterprise! They continue to lie deny and produce fraudulent statements and documents! I have proven that they have and continue to lie and defraud us.
Product: Debt collection

I 've received a letter from this company, claiming I have an account with them or I them you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report. 

Furthermore, the debt that they are trying to collect has been a result of identity theft. 

I do not owe this company anything and I want them to close my 'account ' with them immediately.
Product: Student loan

My loans are in forbearance and are not supposed to be accruing interest, but interest has continued to accrue during this time. 

Student loans and college have been nothing but deceiving since I originally decided that it may be an option for me with XXXX XXXX. I did not understand what interest rate accrual was when I signed up for the loans and that each month I would be spending as much as a car payment and still be falling further into debt month to month. My IDR plan has been messy and I do not know how many payments made qualify toward forgiveness. I was told that these payments would be transferred to the XXXX plan when I signed up but I do not know if this is the case ( as well as the non interest accruing months during COVID furlough ). I put off having kids until my late XXXX 's and finally decided to buy a house because it was now or never. The student loans have placed a burden on my life and slowed me from advancing through my personal life and starting a family. After graduating I was unable to find a job in my field and the ones available were nowhere near a salary that would allow me to pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports
Product: Credit card or prepaid card

XXXX charged my American Express card {$2200.00} on XXXX XXXX and did not provide the service. It was a hotel stay at XXXX XXXX in XXXX XXXX, FL I booked the hotel through XXXX   for a stay XXXX XXXX. I heard through a news report that XXXX was taking money and when people arrived at their hotel, there was no room because of no payment. So I called XXXX to discuss my reservation. They put me on hold and hung up on me 3 times. 
Then I called American Express for help XX/XX/XXXX. They assured me Not to worry. However, I still emailed Customer service with XXXX to tell them of the action I was taking through American Express. No response from XXXX. 
AmEx Gave a provisional credit. Then a month ago re-charged my card. I filed another investigation with AmEx, giving them even more evidence of XXXX scam. XX/XX/XXXX AmEx tells me they need more time for the investigation ( 6-8 more weeks ), yet the charge is there and Im paying interest on it. 
I am Worried AmEx is holding out so I will give up. Ive been a member of AmEx 23 years. They are known as the travel card, however I feel other people with different card companies are getting their money credited back. Im a member of a XXXX group called scammed by XXXX, so far on that group page AmEx has refunded no one. 
I also called XXXX XXXX to see how my reservation was listed. She said it was listed as a cancellation by XXXX.
Product: Debt collection

I am on a XXXX XXXX XXXX Subsidy and I have to get proof from the XXXX XXXX on XXXX that I did NOT have any debt before being able to move out. XXXX XXXX XXXX XXXX is under contract to pay XXXX on XXXX for rental assistance on my behalf and I ABSOLUTELY COULD NOT MOVE OUT OF THE XXXX ON XXXX IF I HAD ANY BALANCE NOT PAID.I RECEIVED A CLEARANCE LETTER FROM THE XXXX ON XXXX STATING THAT I HAD NO DEBT, NO MONEY OWED, AND RELEASED FROM THE CONTRACT WITH XXXX ON XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( XXXX ), XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX  XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Constitution Article I, section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. The Obligations of Contracts Clause, typically called simply the Contracts Clause, prohibits the states from interfering with private contracts. While the clause might be applied to many types of common business dealings today, the framers of the Constitution intended it mainly to protect contracts providing for the payments of debts. Under the weaker Articles of Confederation, the states were allowed to enact preferential laws forgiving the debts of particular individuals. The Contracts Clause also prohibits the states from issuing their own paper money or coins and requires the states to use only valid U.S. money gold and silver Coin to pay their debts. Article IV All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under this Constitution, as under the Confederation. This  Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support this Constitution ; but no religious Test shall ever be required as a Qualification to any Office or public Trust under the United States. THERE FOR BY LAW THIS AGENCY CAN NOT DEMAND PAYMENT OF DEBT IN FEDERAL RESERVE NOTES. SEE : HOUSE JOINT RESOLUTION 192 73RD CONGRESS ON JUNE 5TH 1933 PUBLIC LAW 7310 STATES THE PASSAGE OF HOUSE JOINT RESOLUTION HJR-192 REMOVED THE ABILITY OF THE PUBLIC TO PAY DEBT WITH LAWFUL MONEY FOR THE PAYMENT OF DEBT WITH MONEY WAS REMOVED BY CONGRESS, THE LAW REQUIRED REMEDY.
Product: Mortgage

Wells Fargo has been taking my monthly payments and applying these payments to my Chapter XXXX. Why I Say as I am now in the hole due to their taking money that should have been applied as payments to my mortgage and not my ChapterXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because it is reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 


XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I made a deposit ( XX/XX/2016 ) and receive no notice of delayed availability. The balance on my account after the deposit reflected {$73.00} and the item that came in was {$73.00}. I thought my deposited funds would be available to cover subsequent payments. The balance alert came through on my account as of XX/XX/2016 reflecting a balance of XXXX. Based on this information, i did n't know there would be a fee since i made the deposit the same day the item is showing on my activity. I am confused, as to how this is done. The payment came through on my account and item was paid and a fee was charged. Why was n't i notified at the time of deposit that something was pending on my account. Had i known by notice by the teller or notice on my receipt that my funds are not available i would have transferred money into my account to cover this item.
Product: Credit reporting or other personal consumer reports

My info was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has done nothing. Please help me delete these illegal accounts from your Equifax credit reports. Account name and account numbers and the file.
Product: Money transfer, virtual currency, or money service

I received a 1099-B by mail on XX/XX/XXXX from Block, Inc XXXX f/k/a Square Inc ( Cash App ) as a proceeds of {$2400.00} dated XXXX which I have had no clue. The tax document bears my social security number and my address but my name is printed with a middle initial XXXX which I never use. My husband and I are both XXXX XXXX and earn from our XXXX investments. Neither of us has opened any account nor we have heard of the company like Cash App. Or Block, Inc and/or f/k/a Square Inc. Since the date of filing tax returns for XXXX was approaching, I immediately called Cash App at XXXX ( XXXX ) and lodged a verbal complaint asking to designate tax document ( 1099-B ) as an identity theft. I was asked to respond to an email sent by the customer service ( XXXX ) with an assigned case number. Since then I had communicated with several customer service representatives of Cash App without any solution. Rather, I was notified via email that Cash App does not provide any tax assistance and only communicates with law-enforcement officials. After several futile attempts via email correspondence we decided to go ahead with filing our tax return for XXXX and later deal with the incident. Since then I lodged an official complaint with identity theft ( Identitytheft.gov ) and blocked all my credit reports. In addition, I filed a formal complaint with XXXX XXXX XXXX XXXX ( law-enforcement ) on XXXX and lodged an affidavit with IRS ( form 14039 ). Since then we have been waiting for an official investigation. Inspired by the instruction on identity theft website I sent an official request via registered mail to Block inc, f/k/a Square, Cash App requesting the company to close the account declaring it as a result from an unauthorized fraudulent activity ( dated XXXX ) attaching all email correspondences and documents. Suddenly, I received an official notification of closing the case via email ( dated XXXX ). When I called I received a new case number and since then I have been waiting for a final decision. 

I feel extremely frustrated with irresponsible dealing of Cash App and request that you please take an immediate action to resolve my case, i.e, declaring the account as a result of identity theft and close the account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure who to contact higher. 

A bankruptcy attorney/courts added a XXXX  XXXX to my credit report, and I did not officially file. How can it be dismissed when I never filed? Information below : Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX  and Experian and XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I got an alert on my XXXX credit report stating I opened a new account with XXXX XXXX. I have not opened any accounts with XXXX XXXX. It dropped my credit score XXXX points and I need this off my credit immediately. I am trying to buy a home and this has affected me greatly.
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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX, # XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax and XXXX proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. Equifax and XXXX  response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX hard inquiry that I didnt ask for
Product: Mortgage

I am applying for a mortgage refinance with Wells Fargo. 
The agent emailed my tax returns including my SSN and the SSNs of my spouse and children, over insecure, unencrypted email.
Product: Debt collection

A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to XXXX XXXX XXXX who reported me to all the three credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX  was unable to do so because the account was already in collection. I reached out to XXXX XXXX XXXX who have never notified me about their actions and they have already sent my case to Maury Cobb Attorney at Law office. I disputed the account with all the three credit agencies and with XXXX and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against XXXX  Fraudulent Transaction & Unfair Collection Practices To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against XXXX  regarding a fraudulent transaction and the companys subsequent unfair debt collection practices. 

Complaint Details : Date of Transaction : XX/XX/year>, XXXX AM Amount : {$2000.00} Recipients XXXX  Username : XXXX XXXX ( was XXXX XXXX when I sent the money ) Payment Method : XXXX Summary of the Issue : On XXXX XXXX, I was scammed into making a XXXX payment of {$2000.00} to @ XXXX under false pretenses . Essentially, I was sent a fraudulent offer letter from scammer, XXXX XXXX impersonating a legitimate, existing company and then sent a fraudulent e-check to deposit in our bank account. The check got deposited on faith in the bank and later bounced. I was then asked to send amounts to office equipment vendors to get office equipment for a home office .One of the Vendors given by the scammer was @ XXXX XXXX XXXX XXXX I was defrauded, I : 1. Filed a police report ( XXXX XXXX. XXXX ) and an FTC complaint ( [ XXXX ] ) and a IC3 complaint ( [ XXXX ] ). 
2. Contacted my bank, and initiated a fraud investigation and issued a stop payment on the amount. 
3. Notified XXXX  on XXXX XXXX, requesting an investigation and dispute resolution ( XXXX XXXX # XXXX ). I later reached out to XXXX  again and created another support case ( # XXXX ) to appeal my case. 

Despite my prompt actions, XXXX  claimed they had investigated the complaint but could not share details with me because of privacy concerns or reverse the fraudulent transaction and has now has temporarily frozen my account and reported me to XXXX  collections that periodically sends me emails regarding payment, with the threat of being reported to credit bureaus, even though I was a victim of fraud. From what I can perceive the recipient still has access to their account and has changed their name on their account. 

XXXX XXXX XXXX : Failure to investigate fraud : XXXX policies claim to prohibit fraudulent activity, yet they refuse to act against the scammer. 
Unfair debt collection threats : XXXX  is holding me responsible for a payment made under fraudulent circumstances, despite my documented efforts to report the scam. 
Potential credit harm : XXXX  is threatening to report me to collections, which could negatively impact my credit, despite this being a fraud-related dispute. 

Requested Resolution : I request the CFPB to investigate XXXX practices and require them to : 1. Revoke their collection demand for the disputed transaction.

2. Cease any credit reporting threats related to this fraudulent charge.

3. Improve their fraud investigation process to better protect consumers from scams. 
4. Restore my XXXX account to active status I am providing copies of my police report, FTC complaint, and correspondence with XXXX  as supporting evidence. 

I appreciate your time in reviewing this complaint and look forward to your assistance. 

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

XXXX XXXX XXXX is it 's not my address can you please remove it