23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The required " Debt Validation '' that was requested XXXX 2015 went unresponsive to.By Midland funding. They sought to action court case in one county, which Judge threw out for " Failure to Prove debt ownership '' One year later Debt collector seeks to again collect on debt not validated, Fail to prove the have purchased the debt from creditor, and refused to stop communicating threats to family member 's. MidlandFundingc/oXXXXhas.Thiscompanyhasactedcapriciouslytocollectonadebt, Theseactions alsoviolatedtheconsentagreementFileNo.XXXXbyCFPBadministrative adjudication
Product: Mortgage

To Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC, I am disgusted and outraged by the absolute incompetence and disregard your company has shown in handling my mortgage account. After being dragged through an unnecessarily lengthy process, I was approved for a three-month forbearance plan, which explicitly stated that no payments were required until the plan ended. 

Despite this, your company took it upon itself to deduct money from my bank account, leaving me completely broke and unable to afford even basic necessities, including medicine. This is not just a mistakethis is theft. 

I have repeatedly asked for auto payments to be disabled, yet your company outright refuses to comply, continuing to steal from my account while I am still under a forbearance plan. This is beyond negligence ; its outright malicious. 

Your customer service is a joke. Calls and emails are ignored, and there is zero care or urgency in addressing serious issues. Its clear your company doesnt give a damn about your customers, especially when theyre in distress. 

To everyone reading this : Do not, under any circumstances, allow Shellpoint Mortgage Servicing or Newrez Mortgage LLC to service your mortgage. You will regret it. My experience has been nothing short of a nightmare, and I wouldnt wish it on my worst enemy. 

I demand the immediate return of the funds your company has stolen from my account and expect no further unauthorized deductions. If this is not resolved immediately, I will take this to every regulatory authority and consumer protection agency available. 

Fix this. Now.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  I fell into the hands of a scammer named XXXX XXXX ( the scammer ). It started out that I got an scam email about an order that was placed with XXXX. He told me he will will refund me the money by putting his server in my computer. I was told that first they will refund me {$150.00} if it goes through they will refund the rest. My mistake it was refunded {$15000.00}, but in realty it was transferred from my Savings Account to my Checking Account. He asked me to wire back {$1400.00}, the next day he claim they didn't get because their bank didn't allow such a large amount. So I should wire {$10000.00} and the {$4000.00} will be a payment to an XXXX world country. Then they claim that I signed in to my online banking so it transferred another {$150.00}, so a should pay it back by getting a gift card. By than I realized I got into scammers hands so I refused. In total I gave them {$28000.00} ( plus {$70.00} for the wire fees ) A week later they still claimed the I owe them {$150.00} then I disconnected with them.
Product: Debt collection

XX/XX/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 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Product: Credit reporting or other personal consumer reports

Accounts to be blocked per FTC FCRA within XXXX hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!
Product: Credit card

I was late on a payment once in the 3 years i had this credit card. I did not realize i had not paid a payment. I am currently trying to purchase my XXXX home, which has been my dream forever, and due to this XXXX late payment showing on the credit reports it is decreasing my score and hindering my chances of purchasing a home. Again, I dont want sympathy i know i have screwed up but i had the card 3 years and XX/XX/XXXX when I realized I had not paid the XX/XX/XXXX bill I paid the card totally off leaving a XXXX balance. I just want this taken off of my credit report. I have worked hard at rebuilding my credit since my Bankruptcy in XXXX. Thank you
Product: Credit card

TD Bank refused to dispute charges and process chargebacks with XXXX  from a merchant called XXXX XXXX XXXX XXXX XXXX XXXX that scammed me out of more than {$50000.00}. I dispute many charges from this merchant from XX/XX/year> through XX/XX/year>. I provided supporting documentation to TD Bank that the merchant did not provide the services that I paid for. I attached screenshots of the merchants acknowledgements and admissions of frequent outages and emails denying the withdrawal of my money. The merchant 's platform had frequent outages that prevented customers from using their platform, website and services. The merchant wrongfully breached the contract by preventing me from withdrawing my money from my accounts. I told TD Bank representatives that I had contacted the merchant and the merchant refused provide any refunds, fix or compensate for the losses due to the outages and did not provide an explanation for denying my withdrawal. The merchant told me not to contact support to ask why I was denied my withdrawal. On XX/XX/year>, a TD Bank Dispute customer service representative, XXXX, told me that TD Bank was siding with merchant. I received sent me letters in the mail denying my disputes, stating that " an error did not occur '' and to contact the merchant instead. However, this is incorrect, I disputed the charges because the merchant did not provide the services that I paid for, not because of a billing error. XXXX  said that she had spoken with management and that TD Bank was not going to process the chargebacks with Visa and TD Bank would be closing all my disputes with the merchant. Despite being scammed a very large amount of money from XXXX XXXX XXXX and receiving extensive supporting documentation that the merchant did not provide services that were paid for, TD Bank closed the disputes in favor of the merchant and claimed that " an error did not occur ''.

TD Bank does not have any online process for customers to dispute charges, disputes can only be opened through phone or in branch. Supporting documentation is required for every dispute or else TD Bank will close the claim but there is no way to upload documentation online, customers are forced by TD Bank to go into a branch to fax supporting documentation for disputes. It seems the lack of infrastructure may be intentional to prevent or make it extremely tedious and difficult for customers to even file disputes at all. TD Bank 's dispute process makes it very difficult for customers to dispute any charge. Every other bank aside from TD Bank submitted the disputes and chargebacks.
Product: Mortgage

My home mortgage was originated by XXXX Bank with a second mortgage down payment assistance bond through the XXXX. The first payment on my loan was due on XXXX/XXXX/16. I have made my payments from XXXX/XXXX/16 through XXXX/XXXX/16 to XXXX as that is the company I believed owned my loan. I am now receiving statements and late notices from a company named XXXX who state they now service and own my loan on behalf of the XXXX. 
I have spoken with both XXXX and XXXX in regards to my problem and they both state that they still own the loan and the servicing rights. Both companies are also reporting my home loan on my credit report. XXXX is reporting me as current and XXXX is reporting me as delinquent. 
I would like to file a complaint to help resolve the true issue of who owns my loan at this time and who I should be making my payments too. I would also like for my credit reporting to be corrected to assure that my mortgage only shows XXXX time and that it reflects that I am current on all of my payments.
Product: Credit reporting or other personal consumer reports

Errorenous reporting that must be REMOVED. It's been over 60 days since XX/XX/year> I sent my dispute and I havent received a response. This must be removed immediately BankruptcyXXXX  Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX  Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent inquiry on my credit report, resulting from a recent data breach in which my personal information was compromised. 
In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following inquiry from my credit report : Fraudulent Inquiry XXXX o Date XXXX XXXX XXXX XXXX XXXX
Product: Student loan

As a result of this error, I have 9 late individual marks against my credit score. They only sent one letter for the loan, not 9 notifications for each loan. At the time I was unemployed. If they are marking 9 late payments they should be required to send 9 separate notifications. They do not notify customers that they will have separate negative marks on credit if they do not pay the " one '' bill on time. 
The result of these 9 late marks on my credit have made it very difficult to qualify for housing, utilities, and access to credit. I am enrolled in auto payment and able to pay my loans. 

I was marked late for student loans while enrolled in XXXX. They refused to updated because they need a form from university, previously the university sent a form but since it is not official form, did not have enrollment status, it had the classes I was enrolled in for each semester. I offed to provide them the tax form from the Department of the Treasury ( Internal Revenue Service ) according the the university tells them I am enrolled at least part time for the year. I also offered to provide them my grades. 
Navient makes it extremely difficult for customers to get issue fixed. They email you a form to give to the university to send, but the email does not come for another hours. Then the university requires you to sign a form to let them fill out the form. 
It is a hardship because it requires me to have a printer, scanner and travel to the school to explain what they need to send. Navient offers no good will for people only trying to fix credit, they do not care about customers.
Product: Mortgage

XXXX XXXX, Bank : Nation Star Mr. Cooper. Loan : XXXX On XXXX Trial period Flex Modification Program- First step qualifying for Permanent loam modification. 
1st payment {$1900.00} Made in XX/XX/XXXX 2nd payment {$1900.00} Made a Incorrect payment for {$2400.00} in XX/XX/XXXX Payment was put on hold. The bank called to confirm the payment was okay. 
The payment was not apply to mortgage. 
Please Help me ... ... ... ... ... ... ... ... ... ... .... 
Please Help me ... ... ... ... ... ... ... ... ... ... ... Nation In XX/XX/XXXX WAS TOLD MY HOUSE IN FORECLOSURE- Due non payment. 
The law firm XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$170000.00} Debt Collector I called Customer Service XXXX XXXX 3rd payment {$1900.00} to paid on XX/XX/XXXX
Product: Consumer Loan

In XX/XX/XXXX My wife and I Went to PNC Bank to get a XXXX Mortgage ( commonly known as a Home Equity Loan ). We thought we were getting a XXXX Mortgage ( commonly known as a Home Equity Loan ), but we were given a Home Equity Installment Loan. In XX/XX/XXXX I noticed that this loan was not functioning like a mortgage loan. Since XX/XX/XXXX I have been trying to refinance this loan with PNC Bank but have been denied due to the decrease in our property value due to the housing bubble crisis. PNC advertised the loan as a Home Equity Loan, not a Home Equity Installment Loan.
Product: Debt collection

These accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or univeriable information is a breach of federal law. Additionally, I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I rec 'd an email regarding XXXX credit card application. I was already victim to XXXX this week. I notified Credit Bureau immediately and filed report and XXXX. Apparently someone applied online for XXXX Credit Card in my name and it wasn't me!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC SECTION 602 States I have the right to privacy.

15 USC SECTION 604 A Section 2 : It also states a consumer reported agency can't furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FRAUDULENT ATTEMPTS TO OBTAIN CREDIT IN MY NAME PLEASE REMOVE.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my personal and business information was stolen and used to obtain a {$140000.00} loan with SBA under the false business name of XXXX XXXX XXXX with my tax i.d . SBA advised me that the funds were sent to this account XXXX at Chase routing number XXXX. This is not my account, it belongs to the person/people who stole my personal and business information. Chase stated that XXXX XXXX XXXX is not the name on the account and my tax id is not associated with this account. Chase 's Fraud department XXXX XXXX XXXX advised me that there is nothing Chase can do as the account holder would need to call them directly. This makes no sense! They stole {$140000.00} why would they call and volunteer this information? Chase has not been helpful in helping me with this fraudulent activity at all!
Product: Credit reporting or other personal consumer reports

These 3 inquiries that are reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is blocking me from enabling external applications. 

It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried pulling out my credit score from 3 credit bureaus and two companies show my credits scores ( XXXX  and XXXX ) but Equifax does not show anything, and it shows to call their number whenever I try to log on with my credentials ( attached the screenshot ). But even after inputting my social security information and everything they just kept saying they do not have my record. They should also have the record since 2 other companies have been updating my score.
Product: Debt collection

aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX XXXX
Product: Debt collection

I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from XXXX ( XXXX XXXX XXXX ) I've never heard of them or the Creditor : Orion Portfolio Services. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed The following inquirys are fraudulent inquiry 's and NOT related to ANY account originated by me and must be DELETED immediately as a result of identity theft. Specifically, pursuant to 15 USC 1681c-2. I have filed a complaint with the Federal Trade Commission as well ( REF # XXXX ) The erroneous accounts are as follows : TransUnion XXXX XXXX date XXXX TransUnion XXXX XXXX  date XXXX TransUnion XXXX XXXX  date XXXX TransUnion XXXX XXXX  date XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX date XXXX.
Product: Checking or savings account

I contacted Wells Fargo on or around XXXX XXXX. I was transferred to XXXX, employee # XXXX. I informed XXXX that i suspected some fraudulent activity on my account. I requested a review and i also requested that my card ending XXXX be cancelled and replaced. In which it was replaced, but i never activated it. My question were never resolved and i was subsequently charged several nfs fees based on an {$80.00} debit that was never submitted to the creditor, XXXX XXXX. I contacted the XXXX XXXX, spoke with a XXXX in the corporate office. XXXX informed me that the {$80.00} was never received by their office, and that my membership had lapsed due to non use for 6 months or more. So there was no fee due them. 

Wells eventually refunded the {$80.00}, but refused to credit all the nfs fees associated with such. I made several calls there after, concerning such, and pertaining to the fraud, with no response, and, my account was closed.