23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX XXXX needed to confiscate all my belongings without returning them is due in part that XXXX XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX XXXX! 

With that being said, all evidence clearly indicates how XXXX XXXX only sole purpose for contracting XXXX XXXX was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, XXXX XXXX, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX XXXX, along with complaint ( s ) against XXXX XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by XXXX. 

With that being said, I request for Everbank ( XXXX ), via the CFPB, to explain to me in detail why a ) did Everbank ( XXXX ) intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for XXXX to explain in detail the who, what, when, where of HOW XXXX Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
Product: Debt collection

XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$3500.00} in stock I had in a Robinhood account I believe Robinhood security. I have been through the mill with Robinhood trying to figure this out what happened to the XXXX stock stocks I had in Robinhood that disappeared when I was attempting to get them to log me in because I wasnt able to, as someone attempted to get me logged in it when I noticed XXXX of the XXXX stocks were not listed then I thought well maybe you know theyll be back when again he asked me to login to see if I could login. I noticed all XXXX were missing, and an and a guy named XXXX started working on it, but he requested some strange things. He wanted me to buy for XXXX gift cards. Send him the images of the receipts of the cars themselves front and back and then he would deposit XXXX he said into my account to pay for these because I told him I didnt have enough, but he never did, confirm there was no deposits to my account. The only resolution Is for my XXXX approximately Is returned to my Robinhood account because I feel I was scammed by Robinhood
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against JEFFERSON CAPITAL SYSTEMS LLC. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX XXXX mailed a letter stating that the servicing of the loan was changing to XXXX XXXX  effective XXXX XXXX and to remit payments to XXXX XXXX thereafter. 60 days of no late payments until complete. After XXXX weeks of calling back to XXXX XXXX  no official letter no official new mortgage account. I was then advised by XXXX XXXX  to call back to XXXX XXXX. I called XX/XX/XXXX XXXX neglected to send correspondence stating they had retracted the service change to XXXX XXXX charged a late fee for the XXXX payment then after requesting that it was unfairly imputed due to their violation in timely correspondence. The late fee was waived as a courtesy and now a negative report to my credit reflecting a XXXX point drop to my credit report showing a late payment on my mortgage. I believe this is fraudulent and purposed to cause harm after filing a complaint with my Alabama attorney generals office.
Product: Debt collection

this company continues to contact me and report collections that are not mine die to identity theft which is also listed on my credit report. they have sent 2 more letters stating that the debt that im disputing they do not understand what im disputed. I have sent several correspondence which have been ignored to remove collections and stop reporting to credit bureaus
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Product: Credit card or prepaid card

Please reference case complaint number XXXX Capital One is again sending mail to a previous tenant who has not lived here since at least before 2020, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX even though Capital One knows from my previous interactions with Capital One that this guy doesn't LIVE HERE FOR OVER THREE YEARS. AND CAPITAL ONE SAID ONLY THINGS ADDRESSED TO ME WOULD BE SENT AND THEY WOULD REMOVE ME FROM MAILING LIST SO NOTHING FROM CAPITAL ONE SHOULD EVER BE SENT TO ME LIKE THIS CAPTIAL ONE IS HARRASING ME and violating the privacy and PII of XXXX. Yet again. Which I have informed them of for SEVERAL YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasable. The CFPBs finding indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack os accountability and transparency is unacceptableand raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
Hyundai Motor Finance, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or Hyundai Motor Finance and sought recovery through insurance once the claim was accepted. 
We spoke with Hyundai Motor Finance ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by Hyundai Motor Finance in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Product: Credit reporting

Equifax is currently allowing the collection agency XXXX XXXX to report a collection account on my credit file as an open revolving account with a Late status. Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed with XXXX XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices also They are reporting this alleged collection account with a past due balance It is reporting that I pay as agreed from XX/XX/XXXX-XX/XX/XXXX Marked it as a collection account XX/XX/XXXX then continued to report paid as agreed I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit card or prepaid card

I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. SOMEONE STOLE MY PERSONAL INFORMATION AND MADE SOME FRAUDULENT CHARGES. NOW I AM VICTIM, AND I AM BEING PENALIZED FOR SOMEONE ELSES CHARGES. NOW I DON'T KNOW HOW THE THIEF GOT MY INFORMATION OR WHERE HE MADE THE CHARGES, BUT I SHOULD NOT BE PENALIZED, HOW IS THIS FAIR TO ME. I HAVE GONE TO THE POLICE, I HAVE GONE TO THE FAIR TRADE COMMISSION OFFICE, NET I WOULD LIKE TO INFOMR THE WHITE HOUSE BUT I BELIEVE THEY HAVE BIGGER ISSUES RIGHT NOW. BUT THIS IS MY ISSUE AND ITS VERY IMPORTANT TO ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Within the last few months, I have attempted to contact the creditors and Equifax regarding several listed items on my credit report to correct errors and remove inaccurate information. I am a XXXX XXXX with hopes of purchasing a XXXX  soon for me and XXXX. I have been denied credit that could be of great use to me personally and for my XXXX. I know for a fact each item listed on credit report has not been properly investigated for accuracy. According to 15 U.S.C. 1681, I have a right to fair and accurate reporting. I greatly appreciate your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of information on my credit does not belong to me! I have never had XXXX XXXX! I have never had any credit card! Never had any student loans! This is unacceptable!!!! YOU HAVE SOMEONE ELSES INFORMATION ON MY CREDIT AND IT NEEDS TO BE FIXED!!!!!!!!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Aldous and Associates is a law firm supposedly hired by XXXX XXXX. I formerly had a month to month agreement with XXXX XXXX. This gym location closed during covid. 

I never heard of XXXX XXXX and never signed an agreement. i never received notification of the gym closure. 

I requested a copy of the alleged contract from the debt collector but they refuse to provide and request I pay {$180.00}. Acct. XXXX XXXX XXXX Meanwhile, they reported this debt to the credit bureaus causing damage to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.