23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint generally involves the disbursement of insurance funds. I was displaced by Hurricane Florence XX/XX/2018. My home had to be gutted and was completely unlivable. I followed the prescribed routes to mitigate the damage. Got estimates, contacted FEMA, and filed insurance claims.

I fought with the insurance adjuster for 11 months to finally settle at {$100000.00} worth of repairs. I also had to notify the NC Department of Insurance in order to secure those funds because we all know insurance tries not to pay, as well. 
I finally receive the insurance check and then I had to start dealing with the mortgage company 's loss/drafts department. This is where the reason I'm contacting you comes in. 
The company, Mr. Cooper, has since made the claim process impossible. 
My contractor and I have been jumping through rings of fire for 4 weeks in order to get the mortgage company to disburse funds to start repairs on my home. I have been out of my home for a year now and each time we submit forms they come up with something new or different that needs to be done. They even said that the contractor had used a stamp because her signature was so good.

I am at my wits end and completely frustrated. If one more of their claim specialist say to me that they understand my frustration level, I'm going to snap. No they don't ... I am living in a 1-bedroom apartment with my mother who is XXXX and suffers from XXXX. The apartment is the only one I could find and it is not XXXX friendly. I had to take the doors off the frame to get a wheelchair in the bathroom. I'm paying both rent and mortgage on a home I can't live in. My dogs are still with my sister because I also could not find a pet-friendly apartment. Meanwhile, Mr. Cooper, is sitting on {$96000.00} worth of funds to fix my house and will not release them.
Product: Debt collection

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. I entered a consumer credit transaction with Wells Fargo Auto in 2016 ( Although my original contract lists XXXX ) which involved a finance charge along with a down payment of { {$1000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Wells Fargo is in violation of the 15 USC 1605 Truth In Lending Act. I was not offered any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. The also repossessed my car twice which is definitely against the law. They have committed fraud and several violations of the FDCPA and TILA. They have threatened me for an alleged debt and they have apparently charged off my account. I sent them a notice asking for the following : 1. Send an Audit Trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, ledger of the account, and everything else relating to the Consumer ; 2. Material Disclosure ; 3. Return all money illegally collected ; 4. Original instrument of indebtedness in its original form 5. Record of Accounting pursuant to UCC 9-210 Instead of providing me with the information I asked for they responded with a transaction history and a copy of my car contract, which is actually different from the original contract. Wells Fargo isn't listed on my actual contract ; a company named " XXXX '' is listed. Also this was a XXXX credit application, I never applied for a loan with Wells Fargo. I have attached my original contract along with the copy Wells Fargo made up ; as well as the transaction history they sent to me. 

This whole transaction is fraudulent and as a result I've obtained several injuries, I've never been so hurt by a company
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage. 
13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with Experian, XXXX  and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) I XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

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

I contacted the lender and they agreed to delete the debt after making a payment of {$480.00} but they have not deleted the account as stated in the email they sent me. 

The email and proof of payment is below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Debt collection

A collection by Transworl Systems Inc for XXXX continues to appear on my credit report. This account was paid in XXXX and has a XXXX balance. I will like to have the creditor completely remove this item from my credit profile.
Product: Credit card

On XX/XX/year>, I went shopping with my mother and fiancee at Macy 's. The Macy 's is located at : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX My mother purchased an item and was asked by the cashier if she would like to open a " store card. '' My fiancee and I asked four times if it was a credit card. The cashier assured us it was not a credit card and it was only a store card. This seemed inaccurate because my mother was asked for her social security number and driver 's license which is typically only required for a credit card. 

The card reader displayed if we would like to make a purchase with a " Macy 's Express Credit Card '' or a " Store Credit Card. '' At this point, I recognized that the " store card '' was actually a " credit card. '' After the visit, I reached out to Macy 's cooperate website and inquired if the cashier was trained poorly or if she was being deceptive. ~24 hours later and I still have not been contacted by Macy 's XXXX 

I checked my mother 's credit on XXXX to verify the account was not opened. To the best of my knowledge, Macy 's did not create the account. Unfortunately, Macy 's did inquire from XXXX. Inquiries can have a negative impact on credit scores. 

I believe Macy 's actions constitute fraud and are illegal.
Product: Credit reporting

I ordered a free ( {$1.00} ) credit report from and they signed me up for a service, charging me {$19.00} after 7 days. The confirmation email has no mention of a service or receipt of agreement to pay for a service. They tried to cancel it after the charge went through to keep me for a month, but I told them to cancel it immediately and refund me. They said I would be refunded, but this is not how credit reporting agencies should work. This feels like a scam and they 're hoping most people wo n't notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. XXXX  has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Product: Debt collection

I was contacted regarding my student loan debt about a student loan forgiveness program by Processing Direct. After much deliberation and asking many questions with answers of assurance this information was correct I agreed to pay {$75.00} every 2 weeks for 4 months and as long as I recertify yearly for the next 4 years and make less than {$120000.00} a year the remainder of my loan will be forgiven at that point through a revised pay as you earn program where I will owe $ XXXX  monthly after the initial {$600.00} is paid. After all 8 payments cleared I received a letter from federal student loan services about my request for loan consolidation with a pay as you earn loan for a monthly payment plan over a 10 year time. I called and spoke to someone where the letter cane from and cancelled that loan and he gave me a number to CFPD illegal activity because he said there are no forgiveness plans by those guidelines given by Processing.Direct. Reported through the phone number and was given this site to file a report. This company is lieing and taking advantage of people by misleading them into thinking they are doing something to benefit them when they aren't. Taking money from people and their families while providing false assurances and information. I can file for pay as you earn through my student loan company. None of the money they took went towards my loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report, that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ XXXX  ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ XXXX  ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} Inquiries : - 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 XXXXXX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C XXXX 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigated is over.
Product: Debt collection

I had a payment plan in place. The car was repo. The bottom side running board was knocked off when removed. I informed them that sent they wanted the car so bad I was n't going to be responsible for it. They sold for half value. Keep calling. 4 to 5 times a month. Thanks
Product: Debt collection

Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.
Product: Checking or savings account

on XX/XX/XXXX I authorized the Internal Revenue Service to make an electronic deposit of my tax refund for {$4900.00}. corresponding to my tax year XXXX. When I asked the bank if the refund was deposit they told me that no deposit had been made by the IRS at that time, XXXX XXXX. I continued asking for the money and the banker told me that the deposit did not appear on the screen of the bank. Wells fargo bank has denied my payment since and the amount of my deposit refund does not appear on my monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX