23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ILLEGAL DISBURSEMENTS FROM MY LOAN ACCOUNT VIOLATING RESPA ; AND INDENTURE NOT SIGNED WITH WELLS FARGO ; ILLEGAL REMOVAL OF MY MORTGAGE FROM GOVERNMENT INSURANCE GUARANTEE COVER IN XXXX WHEN SOLD TO PRIVATE INVESTORS 1. The indenture I signed on XXXX XX/XX/XXXX which was registered is NOT with Wells Fargo ( see attached ). Any other indenture purported to have been signed by me may have been manipulated. It is impossible for me to sign two indentures on one loan to two mortgagees with the same TITLE NO : XXXX. XXXX Wells Fargo has no authority to transfer the deed to a group of Investors, thereby removing the government guarantee cover ; with the borrower no longer qualified for CARES Act and other Government mandated programs. 

2. I was therefore not owing 3 months mortgage arrears estimated at {$12000.00} ( which by Wells Fargo admission is {$9500.00} ) as at the time the forgiveness of the deferred principal balance of {$140000.00} was cancelled which was the condition stipulated in the loan modification agreement.

3. The entire loan, disbursements and servicing is full of irregularities, manipulation and violations of  consumer protection laws which XXXX XXXX  inspired CFPB was established to address such misdemeanor and fraudulent activities in the financial industry. 

4. Wells Fargo admitted to have disbursed {$3400.00} from my loan account without ever informing violating which CFPB is established to enforce in other to protect the consumer. These amounts must be repaid back into my account. There were not foreclosure activity in XX/XX/XXXX. 

5. Therefore the loan forgiveness must be reinstated and the Unpaid Principal Balance ( UPB ) transferred accordingly adjusted to {$460000.00} less amount repaired by borrower since XX/XX/XXXX ; and the XXXX XXXX XXXX and the new Servicer, XXXX  accordingly informed. 

6. The first UPB of {$460000.00} should be cancelled as I did not sign the same indenture to two mortgagees at the same time.
Product: Mortgage

I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!
Product: Credit reporting or other personal consumer reports

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to formally request the removal of a charge-off from my credit report for Account # XXXX. According to my credit report, XXXX XXXX has reported this account as a loss. However, I have not received a Form 1099-C for cancellation of debt related to this account. 

As per IRS regulations, a creditor must issue a 1099-C if the debt has been canceled or forgiven, which should then be reported as taxable income. Since I have not received this form, I am requesting clarification on the status of the account. 

I kindly request that, due to the lack of proper tax documentation, you all would consider removing the charge-off from my credit report as a goodwill gesture. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. If the charge-off is being inaccurately reported, I request its immediate removal from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX
Product: Debt collection

I was NEVER sent a bill of the original amount or given an opportunity to pay. When this company started calling, they asked for XXXX XXXX ( my name is XXXX ) and told me repeatedly that the last XXXX of my SSN # DID NOT MATCH the account on file and they COULD NOT talk to me about the debt. This happened over 10 times. Then this bill shows up on my credit report, upon seeing it there in XXXX I called IMMEDIATELY to take care of it! They again had XXXX XXXX as the name on the account and told me that my SSN did not match the account holder 's. It took hours to get this straightened out. This account was settled immediately. This ended up in collection due to THEIR horrific error.
Product: Debt collection

On XX/XX/XXXX I have received a debt letter in the mail. I didn't recognize the debt and emailed the company email that was on the debt letter to dispute and 5 days later the company trying to collect a debt hasn't notify me proof of debt and still contacting me to collect a debt with two text messages. 

XXXX is the email on the debt letter.
Product: Debt collection

Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.
Product: Credit card or prepaid card

Almost one year ago EDD took all positive funds that were available and turned it into over $ XXXX in the negative. Finally last month they sent me a letter about some claim that didn't match up with the amount + some that was overdrawn not including months of current certifications. At the end of the day the basically wiped out my amount that was overdrawn and made my account available with {$200.00} and called it a day. No explanations other than this was all EDD 'S FAULT. I've tried to speak to them countless times for infor from the beginning to the end but never any clear answers. This is corrupt and robbery. Im A single mom of XXXX homeless, almost lost the custody of my children because I was not financially stable. Needless to say this was just the icing on the cake to a time desperately in need for financial support. I have lost everything and I have no energy for day to day task at this point. Very disturbing and disappointing. Please give me something or some type of resources. Mom of XXXX year old twin boys and soon to be XXXX year old daughter. Please Thank you for taking your time out to read this. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It XXXX Concern, I, XXXX XXXX XXXX am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law
Product: Debt collection

This creditor is stating that I owe a local hospital {$50.00}. Something that I sent notarized paperwork in to dispute and that was removed from my credit. I filed an FTC report and I also have filed a police report. This is not my debt and I demand it be removed from my credit immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. I called to XXXX XXXX Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, XXXX XXXX committed fraud and identity theft by processing a hard credit check without my permission, through CREDCO, which produced published harm to my credit score. When I complained, the XXXX XXXX " Executive Offices '' unilaterally denied any wrongdoing. XXXX XXXX seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

CREDCO says it only allows their clients ( XXXX XXXX in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported on the report by TransUnion and my information was shared with a third party more than 4 times with out my consent or authorization it is a violation of privacy and it violates my right to fair credit report XXXX XXXX XXXX XXXX  that I know nothing about inquiries that I don't know anything about i didn't give permission for anything to be shared with any other companies at all they never asked me my consent collections I know nothing about I really would like to be compensated for it and for it to be corrected if possible thanks
Product: Credit reporting or other personal consumer reports

I recently noticed this XXXX XXXX account on my credit report that was opened in XX/XX/year>. This account does not belong to me and I have submitted my Identity Theft Report to all 3 credit buearus. This account shows two different balances of {$5300.00} and {$4300.00}. Which niether belongs to me. I have never had a Capital One in my name. So I'm obviously a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/XXXX, I have observed unauthorized credit inquiries on my report, prompting me to implement protective measures to safeguard my financial integrity. Initially, I froze my accounts across all credit bureaus and activated fraud alerts ; however, these measures also inadvertently hindered my ability to apply for new credit. Believing the issue resolved after an extended period, I lifted these restrictions, only to discover further inexplicable credit alerts in XXXX and XXXX. Consequently, I have reinstated a fraud alert and am now compiling this police report to document the unauthorized inquiries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to thereby ensuring comprehensive measures are in place to thwart any prospective security violations. 
The most recent legitimate credit check I initiated occurred in XX/XX/XXXX during the acquisition of a vehicle from XXXX XXXX ; after this event, I have encountered credit inquiries from companies with which I have no affiliation nor awareness. I am earnestly requesting the expungement of all spurious inquiries from my credit report. 

The fraudulent inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After reviewing my consumer report, I noticed that there was a collection account on my report which I did not authorize ( XXXX XXXX ). On XX/XX/2021, Experian deleted this collection account from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. I never gave written instruction for Experian to furnish this collection account to my consumer report ( 15 USC 1681b ( XXXX ) ), therefore, for this collection account to be reported, it was identity theft. Experian also allowed XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), this collection account should have never been reflected on my consumer report pursuant to 15 USC 1681a ( XXXX ( b ) ), which states a collection account should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian a correspondence on XX/XX/2021 which included an Affidavit of Truth, invoice, and supporting documents which they received on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is where I am today with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Experian  XXXX   XXXX  very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I se nt 609 letter s to dispute felt a since of no worries but have s ent two rounds of 609  letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  - {$ 300.00},  XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting closed Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and as Charge Offs/Bad Debt. All negatively reporting.     It was stated in their responses to  my 2 disput e letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.      Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of Federal Law. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a Court will order you to delete them.      You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under Se ction 611 ( 5 ) ( A ) o f the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if   you fail to comply w ith Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
Product: Mortgage

Im still going because of COVID-19 I have called the mortgage company and ask for a for bearing Relief they have agreed but they have went forward with the foreclosure because we did not come to terms to settle the debt in lump sum
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Checking or savings account

My mother added her roommate to her checking account. She died on XX/XX/year> and only one night before my mother passed, the roommate died on XX/XX/year>. I have been appointed responsible person/executive of estate by Probate court in XXXX I went to the bank with all the proper documents. They advised me that XXXX of the money in the checking account would go to his surviving family ( sister and and brothers ) unless their responsible person presented the proper documents from Probate and a disclaimer of interest in claiming funds from her brother 's part of the account and have it notarized. The roommate had no real property, only a different checking account so his sister didn't have to go to probate. I'm not sure if she'll even go through all the hassle to help me get the other XXXX of my mother 's money and I need it in the EstatXXXX account to pay her bills. Every deposit made to her account was made with my mother 's money. He attributed nothing to her account and took a lot of her money out of it while he had a personal checking account of his own that my mother wasn't entitled too. I'm not sure of the exact date when she added him but I know it's been within the past 2 years when she was not of sound mind. She was almost XXXX when she passed so she probably added him when she was XXXX or XXXX. It was my understanding from the bank in my first visit all I needed was proof that I was named the Responsible person from Probate, her death certificate and his death certificate. No one told me that his heirs were entitled to XXXX her money. 
My question is how can the bank hold XXXX her money when he never added any money to and he is deceased? How can it go to his sister and brothers, if they claim it, when my mother was the primary holder of the account for many years?
Product: Debt collection

I received a letter that read " Final Notice '' from the company, Lien Enforcement , Inc., in the mail on XX/XX/2021. This was the first communication that I ever received from them. The letter said that they had made previous attempts to notify my of my debt of {$2300.00}, and that my account was unresolved and seriously past due. The letter threatened that if I did not contact them by XX/XX/2021, the company would refer my account to legal counsel for further collection efforts and take legal action if deemed necessary. The letter also mentioned that if I had an insurance policy for the vehicle, that I could consult them for help submitting a claim to them regarding this debt. The letter named the original creditor of the debt to be a towing company near me, where I had a vehicle towed two years prior. I had been in an accident, only had liability insurance, and ended up paying the towing company what I owed them for the tow and storage, and signed the title of the vehicle over to them. I called the tow company immediately to ask about it and they had no record of me owing them anything and in fact said that I was not even in their system because it happened so long ago. They told me not to worry about it. It seems clear to me that this is a convincing scam to scare consumers into paying a debt they do not owe but are tricked into believing they do. There are several XXXX reviews of Lien Enforcement , Inc., also hinting that they are a fraudulent company and share similar stories to mine. I have reported them to the Better Business Bureau, and attached a copy of the fraudulent notice they sent me.
Product: Debt collection

I call the collection office and no one is available to talk to me, also let a message and no one call me  back.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that the following collection is on my report and does not belong to me : XXXX XXXX XXXX : XXXX. This account is fraudulent. Attached is the FTC report along with my identifying documents. As per FCRA guidelines, please remove this account from my credit report immediately. Thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I paid for this apparatus on the date I received it. Now, over a year later I am being billed again. I have contacted the billing company three times, yet have gotten no response.