23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were paying on a mortgage loan and had no idea that the note and mortgage was canceled. The date and time in question was XX/XX/XXXX. We then received a notice around XX/XX/XXXX that stated Wells Fargo will be servicing the note. But during that time around XX/XX/XXXX XXXX XXXX XXXX filed in the clerks office an Affidavit and notarized statement stating they were last holders of note and mortgage and was canceling The note and mortgage. 
The major problem is Wells Fargo continued to service this note and mortgage from XX/XX/XXXX to the present. 
I am now under the impression that Wells Fargo have been defrauding us, because they have been receiving payments from us and servicing this loan from XX/XX/XXXX to the present XX/XX/XXXX while this note and mortgage have been officially canceled on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letters regarding the removal of fraudulent items from my credit report. I am once again requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items as required by law, as stated in my identity theft report. Please review the listed fraudulent items that I would like to be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I disputed the collections with XXXX in XX/XX/year>. They never responded or provided proof of the debt. 


Please remove this item from my credit report immediately thank you.
Product: Debt collection

XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a dispute request for all 3 credit bureaus (XXXX XXXX XXXX XXXX) to update the KOHLS/CAPONE balance to XXXX or remove the account as the CAPONE sent me a 1099-C to pay taxes on the debt that was owed/ KOHLS/CAPONE verified the balance that issued in my 1099-C form on XX/XX/XXXX when the issued a cancellation of debt let to me back XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report that I did not authorize I have been a victim of identity theft and due to the fcra I will like these to be treated fairly and have them deleted.. I will be uploading documentation
Product: Credit reporting

This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continue to allege I owe a debt. I can not be indebted to XXXX XXXX XXXX when I never signed an agreement nor was there a contract. Transfer of contract does not mean contract of rights furthermore I have exclusive equity in my financial asset. If I am indebted I demand the equitable interest be applied to the balance and any overpayment be refunded. I can not be more liable or damaged than XXXX XXXX XXXX. 

equity Primary tabs In law, the term " equity '' refers to a particular set of remedies and associated procedures involved with civil law. These equitable doctrines and procedures are distinguished from " legal '' ones. While legal remedies typically involve monetary damages, equitable relief typically refers to injunctions, specific performance, or vacatur. A court will usually award equitable remedies when a legal remedy is insufficient or inadequate. For example, courts will generally award equitable relief for a claim which involves a particular or unique piece of real estate, or if the plaintiff requests specific performance. 

Origin The distinction arose in XXXX where there were separate courts of law and courts of equity. Following this pattern in America, some states created chancery courts which deal only with equitable relief. In other states, the courts of common law were empowered to exercise equity jurisdiction. Today, separate courts of chancery have largely been abolished, as the same court that may fashion a legal remedy has the power to prescribe an equitable one. 

Expansion of Equitable Relief Courts are sometimes hesitant to impose equitable relief, particularly specific performance. This is because equitable remedies often require the courts to monitor the remedies to make sure that the defendant complies with the court order. However, the Supreme Court has been willing to encourage the use of equitable remedies in certain areas of law ; see XXXX XXXX v. XXXX et al., 563 U.S. 421 ( 2011 ). 

ERISA In XXXX XXXX XXXX XXXX Supreme Court held that for violations of ERISA, the aggrieved party XXXX be entitled to " obtain other appropriate equitable relief '' in addition to legal remedies. In XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 577 U.S. ( 2016 ), the Supreme Court narrowed the scope of equitable remedies for ERISA violations. In XXXX, the Court held that a party claiming equitable relief under ERISA is limited to the relief typically available in equity. As applied to ERISA, equitable relief will not extend to a plaintiff enforcing an " equitable lien against the defendant 's general assets. '' Further Reading XXXX XXXX XXXX XXXX A Treatise on Equity Jurisprudence : As Administered in the United States of America : Adapted for All the States and to the Union of Legal and Equitable Remedies Under the Reformed Procedure is generally viewed as an authoritative source on equitable remedies in the United States.
Product: Debt collection

I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.
Product: Prepaid card

I received an Amex eGift Card. I received an email with a direct link to XXXX : XXXX which shows the balance. I attempt to use this on XXXX numerous time and nothing is working. And the transaction is declined. Many people have reported having this problem at numerous places in person and across the internet. Please help!
Product: Credit card

ticket # XXXX Prosper has blocked my card and account, and upon calling and speaking with representative XXXX, I was told theres a security hold due to suspicious activity. Ive barely used the card and have only attempted to add my card to XXXX XXXX. Over the past few months of having the card, Ive experienced countless issues, from my credit limit being cut in half out of nowhere to card blocks after transaction attempts. Im now being told a ticket had to be submitted to an internal team and I will hear back within 24-48 hours. These are ridiculous and unethical business practices from Prosper. I need my card and account reinstated immediately.
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. Please have these accounts DELETED for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with Experian and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  =========XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XX/XX/XXXX =========TRANSUNION : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried applying for a XXXX credit card and other credit cards as well. they each say that someone else 's name comes up under my ssn. Not really sure how or when this happened. I also have problems checking my credit. Every site, XXXX XXXX for ex., will not allow me to see my credit score due to whatever 's going on with my ssn. If you can't help with this can you please point me in the right direction to fix this problem? Thanks.
Product: Credit card or prepaid card

So called lender is in direct violation of U.C.C. ARTICLE 3- 3-501 ( b ) 2 ( 1 ) 1. A statement admitting whether you are the holder in due course or whether you are a servicer.

2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.

4. The CUSIP number under which my loan was securitized to.

5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).

) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Filed dispute with my bank BB & T. They closed dispute and still have not gotten my money back for services not rendered. We booked a vacation with XXXX. They cancelled our trip on XX/XX/20. Our trip was for XX/XX/20 thru XX/XX/20. They have not refunded our money. We are owed {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Rereference number : XXXX
Product: Mortgage

I sent an insurance claim check to Freedom Mortgage to be endorsed and returned. I have USPS confirmation that they received the check on XX/XX/2023. My check for roughly {$17000.00} has been in limbo with the company ever since. I have called multiple times and each time, they have " sent an email to management. '' I have already paid for some of the repair services, but the mortgage company will not endorse and return my check, as their policy states. We are up-to-date on our loan payments and have never been late. At this point, this is a highly dishonest business practice.
Product: Mortgage

more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.
Product: Checking or savings account

XX/XX/2024 I made a {$40.00} deposit on Chime acct about XXXX minutes later a company called XXXX ( cable and internet ) charged my Chime card {$39.00}. I have no clue who this is it says cable and internet. I dont have cable or internet! I have tried to get in contact with this company with o luck this money was withdrawn at XXXX XXXX XX/XX/XXXX I immediately contacted chime to stop pending payment they were no help either and denied my claim I filed with them. This almost cost me my job I had deposited the money to chime so I could get XXXX the next day to get to work
Product: Credit card or prepaid card

I have a VISA credit card though Truist bank and I noticed XXXX charges against my account for Segment Balance transfer debit. I was charged on XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX ( the phone number on the back of my card ), and they first told me it was fraud. I then started asking more questions, and they informed me it was for a promotional deal and that I owed the money. I explained that I was not aware of any promotional deals, and then told me it was to keep my card active. They applied a credit card for these charges, but my concern is that they couldnt give me a legitimate reason as to why they are charging me. Also, I am unsure if this is legal since they are charging me without my authorization.