23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I called and requested my full disclosure consumer file from LexisNexis. My identity was verified and my report was mailed. On XX/XX/20, I sent in proof of identity ( copy of ID and social security card ) and correspondence requesting removal of bankruptcy, ALL old addresses ( and email addresses ) and requested to update my new address ( case number XXXX ). During this time, I mailed a letter to the US Bankruptcy Court and I received mailed correspondence dated XX/XX/20 stating they don't validate or verify bankruptcies or public records for LexisNexis or any other 3rd party companies. On XX/XX/20 I called in to request a security freeze on my consumer report, I verified my identity, and a PIN was created and mailed to me. On XX/XX/20 I emailed LexisNexis the letter from the US Bankruptcy Court and I requested the bankruptcy to be removed due to inaccurate reporting. On XX/XX/20 I spoke with XXXX and stated the 30-day statute ( from XX/XX/20 ) had passed regarding my dispute to remove inaccurate information. XXXX goes on to say that my identity couldn't be verified and that was the reason nothing was mailed. Any time I send correspondence, I always include a copy of my ID and social security card. Now all of a sudden, my identity cant be verified. In that recorded conversation, I requested yet another investigation for the proof of method of verification of the bankruptcy from my file ( case number XXXX ). Again, I didn't receive anything after the 30-day statute, so I sent another email on XX/XX/20. This time I received response via email stating to call LexisNexis. I called on XX/XX/20 and spoke with XXXX and he told me my identity could not be verified so that's why nothing was mailed. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to  contain only the last 4 digits of the individual 's social security number or tax identification number. FRCA 611 ( a ) ( 1 ) ( A ) was violated in each instance, therefore I request that this public record be removed from my report and an updated report be mailed to me.
Product: Debt collection

In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.
Product: Student loan

My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Access my account and was breached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX  
                                                  
                                                  

                                                   EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
                                                TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX
Product: Debt collection

No one has actually provided any evidence that this was in fact my debt. this negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Indiana, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Indiana to collect. 

*they have this listed on my credit report under the name XXXX XXXX which is NOT me!
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent a letter to experian disputing the validity of a bankruptcy that they have reporting to my consumer report. I also sent supporting documents from the court of Georgia stating that they do not report to any credit bureau. They have yet to even acknowledge my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is improperly reporting my account. This account has been paid in full and should reflect as should.
Product: Credit reporting or other personal consumer reports

My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX  ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
Product: Credit card or prepaid card

I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.
Product: Mortgage

Freedom Mortgage did not pay our property taxes out of escrow on time. The bill was due on   XXXX   XXXX  . The taxes were delinquent as of  X/X/17   . On   XXXX   XXXX  , I notified them in writing of their error. It is now   XXXX   XXXX  , and we received another delinquent notice from  our county  treasurer office as well as additional late fees. We are worried their error will affect our good credit ratings. I followed up today, and the representative read me notes that they called  our county  clerk and were told there were no taxes due. I highly discourage anyone from using this company. I have had to spend over 4 hours in phone calls rectifying their mistake, and I still do n't have my property taxes paid.
Product: Mortgage

I am filing a complaint against Wells Fargo for wrongful foreclosure on my familys home in XXXX. The mortgage was refinanced with XXXX XXXX  in XXXX, fully satisfying any prior Wells Fargo loan. However, in XXXX, Wells Fargo foreclosed on the property despite having no legal claim. 
XXXX XXXX  was the last known legal lender. XXXX Bank ( which acquired XXXX ) confirmed that they have no record of the mortgage ever being transferred back to Wells Fargo. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) has no record of the mortgage being transferred. 
The FDIC has no record of any bulk mortgage sale from XXXX to Wells Fargo. 
Wells Fargo foreclosed using a mortgage assignment ( XXXX ) recorded on XX/XX/XXXX. There is no proof that this transfer was legal or valid. 
If Wells Fargo did not legally own the loan in XXXX, the foreclosure was fraudulent. 

I am requesting that the CFPB : XXXX. Investigate whether Wells Fargo had legal ownership of the mortgage when they foreclosed. 
XXXX. Provide a full loan servicing and transfer history for the mortgage from XXXX. 
XXXX. Determine whether Wells Fargo engaged in wrongful foreclosure practices. 

If Wells Fargo can not provide proof of legal mortgage ownership, this foreclosure was unlawful, and my family may be entitled to compensation or legal remedies.
Product: Debt collection

I have been sent a letter saying I owed a rental debt. Either there has been an identity fraud or there was a lack of due diligence on the rental agent 's part. My credit has been frozen for XXXX years. So no credit report was done on the renter. I have explained this to XXXX.Q. Data International , Inc. They continue to send me letters and are making it my responsibility to prove them wrong.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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
Product: Credit reporting

TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT.
Product: Mortgage

On file complain on XX/XX/2020 case # XXXX Requesting mortgage note Gregory funding did send dee of trust form and all information is not correct and not recorder by the state of californian and my legal name is not in there files and send me a letter want to foreclosure whit not properly legally file ducument s not We need to be stop to file in court and show right legal documents I will send copy s they did send 7 copies Is clear documents are not correct
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My name was signed on a lease without my authorization and without me being present the signatures do not match!!! 

Added to collections on my credit report in the amount of {$5200.00} on XX/XX/2024 This is NOT my debt
Product: Debt collection

On XX/XX/XXXX I requested Synchrony/walmart to validate debt ( acct # XXXX XXXX XXXX ) with my signature and on XX/XX/XXXX below is the letter.
Product: Student loan

I am a XXXX in an XXXX. I do not make a very large salary, and I wanted to apply for the income-based repayment plans and see what other loan forgiveness options were available to me as I work in a XXXX outside of XXXX, NJ. Instead of getting information about how I can consolidate loans, forgive loans, and then move into an income based repayment plan after those steps were taken, my loan servicing provider just told me to defer my payments by sending me emails that were titled, " XXXX, Reply YES to Resolve Your Student Loan Payments ''. I never got clear information on how to actually apply for and qualify for a new repayment plan for someone in my career field. I know there are options available to XXXX, and I was never made aware of them by my provider. I am accruing more interest and hurting myself in the long run instead of making strides towards paying off my loan and working towards lowering the debt. I feel like the provider did not provide me clear options about my loan repayment.
Product: Vehicle loan or lease

On XXXX XXXX I bought a car with a dealership and the loan was accepted to Capital one Auto finance. I have paid the account current as of today XXXX XXXX. 

On XX/XX/2019 i received a credit alert that a loan was paid off by XXXX XXXX. I looked at the account and it stated that the account was paid in full on one credit reporting agency, and on the other credit reporting agencies it stated that the account was closed and charged off and included in a chapter XXXX or XXXX bankruptcy. Add this case I have been paying on the car ever since and capital one speaking to an agent states that the account is not under bankruptcy in fact is it open active and current today I have letters from capital one for our mortgage or broker Stating that the account is active and current at this time. Since XXXX I have disputed this account 97 times I also hired a credit repair consulting corporation to handle the situation capital one has refused to give me a letter that states it is not under bankruptcy but only will give me a letter stating that it is active and open and is currently being paid on. I have spent three days on the phone my mortgage broker had to be on three-way to find out why they are not allowing it because now my approval will not be going through because of this the capital one has done to my credit. They have destroyed it and ever getting a home loan. 

They refuse to fix it at all
Product: Credit card

I have a Platinum Amex Card with no preset spending limit, for XXXX years. 

I have made every payment on time. 

On XX/XX/year> I had a balance of {$26000.00}. 

On XX/XX/year>, I received an email stating that my credit was established at {$22000.00}. 

Since this credit limit is under the amount of the balance, this will impact severely impact my credit score. So I called to get the credit limit adjusted to fit my balance. 

On XX/XX/XXXX, I called Amex and they said that my account was reviewed and they didnt have access to my FICO score. ( Thats because I keep my credit score locked, per consumer protection recommendations. ) They said they couldnt fix it because thats what the computer said to do. 

Now I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments. Also, information that is being listed is tied to an address that is not mine nor is a part of my consumer report. Laws are being broken following the Fair Credit Reporting Act.
Product: Mortgage

My mortgage servicer Freedom Mortgage is trying to auction off my home without following FHA/HUD guidelines and protocol. I am a civilian XXXX for the XXXX XXXX and became injured which led to a reduction in income and missed payments. I am now in a much better place with support from my family and we can afford a fair mortgage payment for my home which I purchased in XXXX. The problem is that Freedom Mortgage has denied me access to government programs that were established to help struggling homeowners. Despite my attempts to resolve this matter Freedom has passed me from one person to another, never assigning a  dedicated contact and never reviewing my family for any homeowner assistance programs. I am now facing a sale date on XX/XX/XXXX. 

I have been here in California for the last 15 years and have worked for the XXXX XXXX as a XXXX XXXX for 8 years ( civilian XXXX ). English is my second language, and I did not fully understand how the FHA loan works with the upfront mortgage insurance and additional monthly MIP. Although I was not happy about the additional payment amounts, I made the mortgage payment every month to Freedom for 4 years. In XXXX I was injured on the job and unable to work. I had to go through a lengthy process in order to get approved for workers compensation. During that time frame all our reserves were exhausted and soon I could not keep up with the mortgage payment. After I fell behind, in XXXX I attempted to reach out to the Freedom agents to see what programs were available for homeowners in my situation. I was never able to get past the gatekeeper and just got the runaround. They never assigned a single point of contact and they never conducted a fair review of my current and correct financial circumstances. My wife works and XXXX of my sons live in our home and work as well ( one in the XXXX XXXX XXXX ). I am now receiving my full workmens compensation and we have the means to afford a fair mortgage payment. My issue is that we have never been given the opportunity by Freedom Mortgage -- -instead they have set a foreclosure auction date. 

Freedom Mortgage is required by law in the state of California to conduct a review of our households current and correct financial circumstances and they have failed to do so in violation of the California Homeowners Bill of Rights. Additionally, I have been told that HUD requires all FHA loan servicers to review applicants such as my family for all applicable programs such as modification, special forbearance, partial claim or repayment plan. This has not happened. We would like your agency to investigate this matter, Freedom is not following the rules or holding up their end of the bargain here. Between the family members and I occupying our household we have the necessary income to afford a fair and reasonable payment within FHA guidelines. Our problem is that Freedom will only accept a lump sum reinstatement and refuses to review us for the programs that they are required to offer.
Product: Money transfer, virtual currency, or money service

I lost my job during the pandemic and couldnt pay for my studies anymore. 
I created a paypal private fundraiser to receive donations however once I did receive money paypal blocked my account and I couldnt access the funds/ donations. 
I was told that money will be available in 180 days now to my big surprise I logged into my account and found out that paypal STOLE ALL DONATIONS I DID RECEIVE THEY PUT A NOTE THAT I VIOLATE USE POLICY? ARE THEY CRAZY???? 
MY PAYPAL FUNDRAISER WAS APPROVED? WHAT VIOLATION? PAYPAL ARE CRIMINALS THEY MAKE UP THINGS TO STEAL PEOPLE MONEY! 
GIVE ME MY MONEY OR NEXT STEP IS THE FBI!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report { See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau ( CFPB ), to XXXX XXXX XXXX { See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my Experian Credit Report ; but I am also sending this CFPB complaint to XXXX and XXXX Credit Reporting Agencies for a HEADS UP!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. I am a victim of a data breach and subsequent identity theft, which has led to unauthorized accounts and inquiries being opened in my name without my consent.

Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that you block and delete all of the following accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX