23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( XXXX XXXX, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with NewRez, LLC dba Shellpoint Mortgage Servicing, or XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX, XXXX XXXX XXXX at any capacity and never had any business relationship verbal or written. 

The NewRez, LLC dba Shellpoint Mortgage Servicing Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and XXXX XXXX, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX
Product: Debt collection

NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 and again on XX/XX/2022 I sent letters regarding inaccurate or unknown information on my credit reports to this day over XXXX days plus later I have not received response yet. I at this point feel I am being taken advantage of and ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. my information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Product: Credit card or prepaid card

I had used my wife 's bank account to pay billing on credit card and some payments were returned. Since then my brother made a payment of {$300.00} and got account in order to charge for credit. Afterwards the account has become restricted for use even after verifying my wife 's bank account. The Capital One bank said they need to verify his account with bank as well and my brother refuses to do so stating it is unnecessary. Meanwhile I have credit available of close to {$200.00} but card is Restricted for use by me due to Capital One policy.
Product: Credit reporting

I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> my vehicle was wrongfully repossessed by wells fargo while I was at work. I have never had wells fargo so i was extremely confused when I found out from the towing service that wells fargo had repossessed my car. I had to take time off work to call well fargo and even go to a branch in person of which didn't help as nobody understood how they repossessed my vehicle when I had never authorized an account with them. after 2 weeks I was able to speak with someone in head management at wells fargo and they had the towing company to drop the car off at my apartment. I had also asked wells fargo for a letter explaining their error as it was extremely humiliating to have my car repossessed in front of my job and in front of my coworkers and i also asked them to pay my transportation as they illegally kept my car for almost 3 weeks as it took them time to verify account was fraudulent and not mine. Not only did they not provide the letter or payment but my vehicle was repossessed for a second time shortly after as whoever was working on the case did not close it properly. I was without a car and once again had to go through the process of calling wells fargo and explain to the representative that they wrongfully took my vehicle. Once again they delivered car to my apartment and completely ignored all my requests and ran off. Now that I am seeing that wells fargo is going through the ringer for fraudulent accounts it proves the fact that what they made me go through was a product of fraudulent play within the company. I have both the previous case number and multiple emails sent to wells fargo with reciepts of transportation charges and letter from employer regarding day off from work. 

Case # XXXX
Product: Mortgage

I enroll in a plan call XXXX to do some Home Improvements and the cost to be added to me Property Taxes, therefore my escrow account was adjusted accordingly, I paid to my XXXX XXXX {$8200.00} additional to balance a Escrow Shortage, and paid on XX/XX/XXXX a new monthly mortgage payment of {$3000.00} twice, before enrolling in a forbearance plan due to a XXXX  Pandemic. On XX/XX/XXXX we enter the forbearance plan, on XX/XX/XXXX I paid off the XXXX  plan in the amount of {$56000.00}. 
I resume to pay regular monthly mortgage in the amount of : {$2500.00} on XX/XX/XXXX, as per Cardinal Mortgage Statement, I received a package from Cardinal Financial Company Loss Mitigation Department indicating that the amount that I owe after XXXX month in forbearance was {$45000.00}, I called Cardinal Financial and explained that the amount stated in the new promissory note was not right, for several reasons, 1 ) I paid off the amount of the PACE program that increased my escrow account, 2 ) I requested a statement breakdown of the {$45000.00} to understand how {$3000.00} x 2 ( {$6100.00} ) plus {$2500.00} x 10 ( {$25000.00} ) add up to {$45000.00}. 
Cardinal Financial told me not to sign that note and wait for the adjusted Promissory Note, it took four ( XXXX  ) month to received the second note, and the amount was wrong again {$40000.00}. 
Every month I call to request the breackdown and the adjusted promissory Note and every month I got the same answer that a manager is not available and will return my call within XXXX hours, this is been going on since XXXX XXXX. I paid my mortgage as per my Mortgage Statement every month by Phone and never been late since XXXX
Product: Debt collection

I received a statement by XXXX mail from I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN XXXX, I.C. System XXXX XXXX : XXXX ; account no : XXXX. XXXX, " We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' The debt amount is {$5.00} owed as of XX/XX/XXXX, according to this statement. They list XXXX XXXX as the " original creditor, '' at XXXX XXXX XXXX  XXXX MD XXXX. Again, I have contacted XXXX XXXX and they reassured me that this debt is not owed, and suggested it might be a sca I have contacted XXXX XXXX via my account to verify and confirm that I do NOT have any outstanding debt with XXXX XXXX. I have also combed through my XXXX XXXX statements back to XXXX of XXXX looking for any {$5.00} charge within the billing statements and found no reference to this amount. 

With this in mind, I am asking for your help. I am very hesitant to respond to this company. I think this XXXX be a fraudulent attempt at my identity or a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update my credit file.
Product: Credit card

I asked bank of America to take XXXX interest off my bill because they put it on there for no reason at all XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generally. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation : and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 


Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. 
Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Mortgage

See background information provided in case # XXXX Response given by cfpb was that they didn't know me., therefore I will send you evidence that we are listed as their customer on their letterhead.. Shellpoint Mortgage XXXX is listed as the lienholder and current owner of an old mortgage we are disputing. We simply ask for them to prove that we owe them. We have sent some very detailed information to them which they refuse to respond to yet they requested that we payoff an alleged mortgage note balance. The attachments I will send to you will be all the information you need to know that they have us listed as their customer and should be the keepers of all records that were sold, transferred or reassigned to them as current lienholder. Previously gave incorrect company address Please be advised that we believed scammed by XXXX XXXX XXXXXXXX who sold the mortgage note to XXXXXXXX XXXX XXXXXXXX who sold the same mortgage to XXXX dba Shellpoint Mortgage to an inflated price, increased by {$30000.00} although the mortgage released was {$67000.00} was owned by XXXX XXXX XXXX. Please refer to upload XXXX related to a certified letter submitted to Shellpoint Mortgage Servicing, dated XX/XX/year> and revised on XX/XX/year>. Both letters have been sent to Shellpoint which were received on XX/XX/year> and XX/XX/year> with no response to date. Requested a response within XXXX working days. The terms of the two mortgage notes payable due dates have been changed by one year which is not suppose to happen, There is a lot gone wrong about the alleged mortgage note. If the two mortgage notes are related, then there should not be any mortgage since the first one was released for whatever the reason but was promised to us verbally by an official of XXXX XXXX XXXX which XXXX tried to restore or reinvent,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my report i do not recognize.
Product: Credit card or prepaid card

I spoke with a representative on XX/XX/2020 and told them I was having problems paying my bill due to COVID-19. Chase calls my cell phone number 3 or 4 times a day, leave me messages, and sent me emails about the bill. I am having a hard time paying because I have XXXX  XXXX jobs since XXXX 2020. I have barely enough money to buy groceries since they cut EDD benefits. I have 2 credit cards with them Southwest Chase and XXXX XXXX credit card. They lowered the credit card balance on one card and on the other card they raised the payment amount to 3 times the amount. Chase has been known to be a prejudice and XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX : Last year, I submitted a certified letter to XXXX, Transunion and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
Product: Mortgage

XX/XX/2022 Complaint of an Illegal Collection of a Mortgage Activity. 
1. Complaint Party Estate oXXXX XXXX XXXX Subject Property : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Complaint Action : Illegal Foreclosure Attempt. 
Date of incident happen : XX/XX/2022 XXXX. Sublet of Complaint Party Samuel I. WhiteXXXX P.C., Attorneys and Counsellors at Law Licensed in : Virginia, Maryland, West Virginia and Washington D.C. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX ) XXXX XXXX, Fax XXXX ) XXXX 3. Questions on his attempt to foreclosure above property a ) Can Debt collector and Trustee be a same person? 
b ) Can a debt collector foreclosure a property? 
c ) Can a Trustee foreclosure a property with a broken chain of title? 
d ) Can a Trustee foreclosure a property with imperfect Deed of Trust and/or Note? 
XXXX ) Can a Trustee foreclosure a property without formal notice and necessary paper work to the Trustors ( in this case estate of deceased ) f ) If one of above is illegal, No one knows how many illegal activities he performed in the past but himself. An Investigation should be performed and give him a deserved discipline penalty for prevent further victims creation. 
g ) We remember his illegal and fraudulent collection activities in the past. 

4. XXXX XXXX XXXX above questionable collection activities put us a serious problem, please answer above 7 questions that we can decide to hire an attorney or not as soon as possible 5. XXXX XXXX, if you feel anything above questions are illegal, please stop, cease and cancel your collection activities immediately. 
6. The Authorities of above XXXX XXXX XXXX, reply us as soon as you can that well have enough time to prepare to answers XXXX XXXX XXXX questions. 
7. Contact a. Estate of XXXX XXXX b. Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Email : XXXX Thanks, Estate of XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been a customer with XXXX  since 2014 and use the service regularly. I recently bought a new phone and needed to re-verify my identity with the XXXX  app. The email address I originally used to set up the account is no longer active. XXXX is requiring US government issued identification, which I do not have as I am a XXXX citizen in the process of applying for a green card which has been applied for and is pending. I am currently and have always been a legal resident during my time in the US. 

Because of this alleged policy, they are unable to offer any way to verify my identity and as a result I am locked out of my account. I recently attempted to make a payment of {$2000.00} and am unable to confirm the status of that payment, or determine if XXXX  has any other funds belonging to me. I have offered to provide passport, immigration processing papers, and to visit one of there offices. 

Their customer service representative was unwilling to offer any solutions and in effect said that I would not be able to access my account or any funds therein. XXXX has explained they will be keeping my money, potentially thousands of dollars until I can produce US ID which is being processed and I have no way to know when it will be completed. There is no clear mention of this policy and I was never required to provide US identification to sign up for the service. After multiple requests for escalation, the customer service representative hung up on me.
Product: Debt collection

This company keeps calling saying I owe them money, I dont know them never did business with them, I opted out of them communicating with me and they still call, I block their number they call from another number. The callers are being threatening and aggressive
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS ILLEGALLY REPORTING THE ACCOUNT LISTED BELOW TO MY CONSUMER REPORT. THEY ARE DOING SO BY BREAKING THE LAWS LISTED BELOW THE ACCOUNTS LISTED. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$11000.00} - - -No Data XXXXXXXX XXXX XXXX XXXXXXXX {$7100.00} - - -No Data XXXX XXXXXXXX XXXX XXXX {$1500.00} TRANSUNION IS IN VIOLATION OF MULTIPLE LAWS AND THERE SUBSECTIONS. HERE ARE THE LAWS 15 USC 1681b- Permissible Purpose of consumer reports- REQUIRES WRITTEN PERMISSION BY ME THE CONSUMER TO REPORT ANY INFORMATION TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Aggravated Identity Theft per 18USC 1028
Product: Credit reporting or other personal consumer reports

The XXXX business credit card appear in my personal credit score. I can not take any loan or refinance the existing one because of this. Business credit cards should not be included in personal credit account. Please help!