23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as XXXX XXXX. However, I have never had any dealings with XXXX XXXX. and do not have any accounts with them. Despite this, a collection agency ( MRS BPO , LLC ) is attempting to collect this fraudulent debt on behalf of XXXX XXXX. 

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that XXXX XXXX. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.
Product: Debt collection

The call is recorded and gives account #. I've returned the call and it is for someone unknown. 

I've requested my number to be removed and they continue to call every other day.
Product: Credit reporting, credit repair services, or other personal consumer reports

After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my 5th set of letters disputing these accounts to which I've received ZERO proof or verification. Experian, XXXX and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.
Product: Credit reporting or other personal consumer reports

Westlake Portfolio Management reported to the credit bureau without my knowledge. I don't have a contract with Westlake. Westlake Portfolio Management is a debt collection agency which American Financial uses when they filed bankruptcy and that was a breach of contract. I don't have a legitimate contract with them. I never signed a contract with Westlake. I want them off my credit report because they have messed up my report. I've reached out to them and asked them to remove this off my account because I don't have a contract with them. Westlake Portfolio Management is very unreliable and very unprofessional. I'm not the only one dealing with this it's everybody 's who got a vehicle from American Car Center and US Auto Sales. This is against the law and it's time for someone to do something about it.
Product: Money transfer, virtual currency, or money service

I met a lady online on a dating site, we spoke XXXX our business plan, she told me shes a professional trader she works for XXXX XXXX XXXX XXXX, which is a fraud company thats doing foreign exchange, something that I heard of but I didnt know none bout. She has me sending money to XXXX as Im making investments and trading, she made me take a $ XXXX loan from lending club, I made those transactions from Wells Fargo to XXXX by buying Bitcoin, when I found out its a scam, I sent a letter to Wells Fargo, they choose to deny my claim.
Product: Mortgage

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from LakeView Loan Servicing LLC. There was no postage date on the outside of the envelope to indicate when it was actually mailed. Also, there was no real identifying information this was a notice of any importance. The envelope contained a letter stating personal information was part of a data breach. The company became aware of a security incident " early XX/XX/XXXX '' and explained an " unauthorized person '' gained access to files on storage servers from XX/XX/XXXX to XX/XX/XXXX. A quote from the letter : " On XX/XX/XXXX, the review process generated a preliminary list of individuals including you, whose name, address, loan number, and Social Security number were included in the files. We then took extensive measures to review that list to ensure accuracy and prepare the list to be used to mail notification letters. For some, the access files may also have included information provided in connection with a loan application, loan modification, or other items regarding loan servicing. '' The company had a duty to protect private individual information and did not exercise due diligence in protecting customers from loss via identity theft and fraud. The boiler plate letter dated 6 months after the data breach began is insulting to the 2.5 millions customers whose sensitive personal information is now out of the dark web, and offers very little support.
Product: Mortgage

On XX/XX/2023 I made a payment through the Bank 's website, today XX/XX/XXXX payment has not been applied called 2 days ago and spoke to someone by the name of XXXX XXXX and she informed me that she would notify the company that processes it, this morning I checked the account and nothing has been posted yet, I decided to email XXXX XXXX and she had no idea why they haven't applied the payment, this is not the first time this is happening so I decided to take action.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, When I pulled my credit report, I was shocked to find that there are numerous entries on my report that have not been validated or verified. I request the 3 Credit Bureaus to please correct the account from my credit report. Given that I'm in the process of buying a home for my family, this situation is causing significant harm. I kindly request the immediate correction of this account from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account that was opened on XX/XX/2013 with XXXX XXXX and it should be removed. The account states that it was included in a bankruptcy, however there is no bankruptcy on my report. They refuse to get this account permanently deleted and this inaccurate account is damaging my credit score. Because of Transunion error, its causing me harm with acquiring a home and other financial freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get XXXX   XXXX ) creditor told me I am right but still refuses to remove late pays.
Product: Credit card or prepaid card

I closed my Comenity Bank XXXXXXXX XXXX XXXX card in XX/XX/XXXX. 

Due to my account being enrolled in account assurance after my account was closed, a charge was made to my card for {$1.00}. 

Comenity Bank continues to harass me, claiming I owe them money on an account that has been closed for over a year. This account has been paid off multiple times ; however, I continue receiving harassing phone calls and emails stating that I owe them additional monies. 

This account was paid its full balance of {$65.00} on XX/XX/XXXX in an effort to resolve the matter, even though I disagreed with being continually harassed and charged fees on an account that was closed. I wanted to put this matter to bed, and yet here I am today with a {$78.00} balance, yet again, on an account that was CLOSED in XXXX. 

I will not pay another single solitary cent to these XXXX. There is no reason I should be harassed and continuously receive bills on a closed account. I want a refund of all monies I paid AFTER the account was closed in XXXX. I demand a refund as Comenity Bank is a bunch of XXXX  with illegal practices.
Product: Mortgage

I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments,
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request To Whom It XXXX Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 credit inquiries from company. I have no knowledge of the inquiries and did not authorize them to pull my credit. The dates are XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Experian Credit report and I noticed some late payments posted on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from the credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
Product: Consumer Loan

I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time
Product: Debt collection

I use to live in XXXX XXXX XXXXafter leaving I had n't final walk through with the apartment manager at the time, who advised that my deposit in file will be used for cleaning the oven fee.. No other bill/invoice was sent to me.. Even after providing my fowarding address to the propert manager. I then revived harassing calls from an collection agency after a year.. When I inquired on why I never revived either a bill/invoice. I also at the time inquired with the women what happen to my deposit that was on file. She advised that has nothing to do with her. The company refuse to provide my original lease information from 2006 when I moved into the property with my deposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputes these accounts as well as added a local police report to the dispute and this CRA still refuses to remove the fraudulent inaccurate accounts from my report.
Product: Credit reporting

I have received a credit report from Transunion. This reporting agency continues to violate the rules of reporting adverse information. Especially, when it is clearly seen the opening dates and closing dates are beyond 7 years, or the accounts are closed by the creditors, or charged off. I want this information deleted and my FICO score to not suffer any more damage because of their inability to follow the laws of reporting accurate information and to update my credit report.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX, my funds were stolen from my checking account through online/debit card. I filed a claim with my bank XXXX Bank of America ) on XX/XX/XXXX but to no avail. These are the bank representative I spoke with concerning this matter.. 
XX/XX/XXXX - XXXX XXXX New York ) XX/XX/XXXX - XXXX ( Georgia ) XX/XX/XXXX - XXXX XXXX - XXXX ( Texas ) XXXX XXXX XXXX  ( Tennessee ) Claim No : XXXX
Product: Credit card or prepaid card

CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR account opened on XX/XX/2018 closed on XX/XX/2018. but still reporting on credit after they closed the account and still receiving harassing phone calls
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a deposit of {$3000.00} into my Robinhood account. My intention was to use Robinhood as a wallet entity for use within XXXX 's crypto service. Opon making the transaction into XXXX, I was flagged for a potential security risks and was prompted many times to provide verifying documents and information to conduct the transaction. I sent {$5.00} to XXXX just to make sure the transaction would happen smoothly and it was approved. I then began to create another transaction for the rest of the {$2900.00}. My account was again flagged for a security risk, but now restricted of use. I was told my case would be resolved XX/XX/XXXX. The restriction has not allowed me to do anything with the money in my account. As each day passes, the case resolution date is pushed to the following day. I have tried every avenue to reach Robinhood and have not been successful. The calls are automated and it is encouraged to use the app to get ahold of the company. The app unfortunately, provides no way to communicate beyond being told my expected resolution date. I would like my accounts restriction to be lifted and to withdraw any funds I have in this service. It has brought me great financial insecurity and would like to relieve the company of its service.
Product: Mortgage

I had opted to take the option of the forbearance program with Wells Fargo as I was at risk of losing my job. As soon as I heard my job was secure I called Wells Fargo on XX/XX/XXXX and had asked to be removed from the forbearance program. I was then told by the rep I spoke with that I had been taken off the forbearance program and my payments would be put on the back on the loan and I would have my documentation in 30 days. So I started making my payments again, first one made on XX/XX/XXXX. Somewhere on the XXXX someone at wells fargo did something to my account " according to a gentleman I spoke with from the home preservation department '' and I was kept on the forbearance program although I did not request that. As time went on I had decided to refi my home come to find out somewhere in the neighborhood of XX/XX/XXXX form the company I was using my bureau was still showing as in forbearance. So I escalated my case to Wells Fargo executive branch and within a couple weeks I had finally been taken off forbearance and my payment deferred to the end of the loan. With that being said I had been making my payments this entire time XXXX XXXX & XXXX XXXX and they were applying that to the missed payments. Because of being lied to by Wells Fargo from the initial date of XX/XX/XXXX I can not refi my home for 3 months due to the forbearance being removed last week XX/XX/2020. If this was done the way I was told on XX/XX/XXXX by a Wells Fargo team member I would be able to continue my refi today because they require 3 months of payments when removed from forbearance. Now I have to start my 3 month period now instead of XX/XX/XXXX. This directly effects my ability financially to better my financial situation and has now cost my wife and myself a credit pull and as they will have to repull in 3 months. Not quite fair that I am told I don't get to have the documentation that I need yet their employees get to tell their customer whatever they want to and get away with it causing stress and frustration for the ones that pay them money! Just spoke also to XXXX XXXXwall who was getting very irate with me and my request, and telling me that I am asking her to do something illegal which is not true or accurate. I am asking them to do what I was told and should have been done in the very beginning on XX/XX/XXXX. I asked for her supervisor XXXX XXXX XXXX XXXX and she told me she is not going to give me his contact information as it is against company policy to provide me with his information. I asked XXXX to provide me with all the notes in the system that have been written by all the analyst I have been speaking with since XXXX she told me she CAN NOT provide me with those as they are confidential. I then told her that they are not confidential as they are notes regarding MY account and I want them and all of a sudden they would be able to provide them but it would take longer. Just another example of how they are lying and covering their tracks so they don't get caught.
Product: Mortgage

I worked for a foreclosure firm. After the hurricane all of the files at work was put on hold due to the hurricane so that mean i was put on a part-time basis and unable to pay my mortgage. I have a XXXX XXXX, XXXX XXXX they can differed your payment up to 12 months. So i contacted my mortgage company Primary Residential Mortgage they say since i was in the disaster area i can apply a forbearance worksheet and that would allow me to make a lesser payments until i get all the repairs fixed and return back work. The forbearance plan was expire on XX/XX/XXXX. I get Demand letter today XX/XX/XXXX from the mortgage company stating i owe {$15000.00} and I have until XX/XX/XXXX to fill out loss mitigation package. I contacted them to said that was not the plan. I need to know what should i do. HELP. I started a new job things are looking bright please help. I do not want to lose my home. My cell # XXXX. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed fraudulent accounts and erroneous personal information on my credit reports. Pursuant to 15 USC 1681c-2, I DID NOT authorize nor originate ANY of these listed inquiries, therefore they must be DELETED within four business days of your receipt of this letter on clear grounds of IDENTITY THEFT/ALLEGED IDENTITY THEFT. Also, please UPDATE my personal information pursuant to 15 USC 1681s2. DELETE 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. DELETE AKA: XXXX XXXX XXXX ADD NAME: XXXX XXXX XXXX. 
Please see attached Identity Theft Report.