23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello I have a serious problem which needs your assistance to resolve. This problem started with the XXXX XXXX pandemic around XX/XX/XXXX. The loss of business forced me to close my business and loose my income. 
My mortgage company ( ( Shellpoint Mortgage Servicing ) ) offered the forebearance plan on XX/XX/XXXX. It was very good help and they kept extending it every 3 months until XX/XX/XXXX. At that point, I had discussed starting to paying my monthly payment and make a plan for the {$51000.00} in XX/XX/XXXX. They kept saying they refuse my monthly payment and I am required to make the full $ 51k payment. This was NOT the original agreement. The original agreement was to have a forbearance tacked onto my loan amount, not to have the full balance due upfront!! 

Last time i spoke to my point of contact at shellpoint, she was asking how many payments i can make. i offered a 5 months payment totaling about {$12000.00}. I also offered to come up with a plan to repay what i owe She scheduled a call for us on Friday the XXXX at XXXX. she did not call me at that scheduled time, and she has not returned any of my calls or emails since. 

Due to the pandemic i was forced to miss a payment and they offered me the forebearance plan. I now want to start making my monthly payments and working on a plan how to repay what i owe and not losing my home.
Product: Credit card or prepaid card

{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/XXXX
Product: Mortgage

Originally I was unable to pay my mortgage payments ( about 6 years ago, XXXX when " Obama care '' started, I was unable to bill insurance for massage, my sole income ) and stopped paying. This went on for an extended length of time and I did not know why the bank hadn't foreclosed. I hired a real estate attorney and pursued, the first time in cort my attorney learned that the bank " couldn't prove ownership '' this was somehow " fixed '' and I was approved for a repayment plan and in compliance when my home was sold at foreclosure sale 2 times. The first time, after unsuccessfully attempting to stop the sale, XXXX XXXX, holder of the mortgage went to the sale and bought the home. approx. date ; XXXX XXXX. 
Just over a year later as I continued the repayment plan, the home sold again. My attorney 's firm ( XXXX XXXX ) and XXXX XXXX  attempted to stop the sale, unsuccessfully and were also unable to reverse the sale. XXXX XXXX XXXX, the judge told the bank " pay the buyer his money back ( buyer, at that time was in agreement ) modify the loan and give the home back to mr. XXXX. The bank replied " why doesn't Mr XXXX  just pay the buyer '' my attorney replied if mr XXXX didn't need a bank, we would not be here. The judge then said 'the attorneys need to figure out who's going to pay the buyer and come back to court. approx three months later, in court, the bank still hadn't paid. XXXX XXXX  asked for ( and was granted ) 150 days more to continue negotiations These days will end in XX/XX/XXXX during this time, the attorneys for XXXX XXXX have ceased to follow up wile offering " any assistance '' they sent me all information on my case and encouraged me to get another firm to file lawsuit. I've called the ombudsman department for the mortgage servicer, SPS, and after reviewing my ( now closed ) account, they agreed there is a problem " the house was sold although I was up to date and in compliance with the repayment agreement " but they couldn't go any further as XXXXthe next step is between me and the bank '. I am presently awaiting information via hard mail of the conversation from the ombudsman dep. 
Although my attorney was clear ( before he left XXXX XXXX  ) '' if I sue the bank, I stand a good chance of gaining an astronomical amount of money "
Product: Checking or savings account

My account got locked trying to transfer money to my other account because I put all my money into my city bank account they reported me for fraud and won't let me access my account with out a debit card number I never received
Product: Mortgage

I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.
Product: Checking or savings account

In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.
Product: Debt collection

I had a lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I leased a XXXX XXXX XXXX for approximately 2 years, and was going over my mileage which would ultimately cost me around 2-3k at the end of my lease for overages. I was duped by the salesmen & the finance manager to turn my lease into a finance to avoid having to pay the 2-3k in mileage overages. So, instead they had me finance the car for more than its worth brand new. This vehicle was already two years old and now i am financing it for over {$25000.00}, when brand new its worth {$23000.00}. Bad business practice and put me in a huge negative equity hole. The fact that they would take advantage of someone who bought there first car with them is downright awful. There has to be illegal mark ups & interest involved.
Product: Credit reporting

The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
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 # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 

INQUIRIES TRANSUNION XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am submitting complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Product: Vehicle loan or lease

Two vehicles were boughtbandbi was the consigner on both of the vehicle loans with Toyota Financial Corporation. Both vehicles have been repossessed, despite the duration of the physical ownership of the vehicles, as well as multiple Toyota Financial account balance statements both in hard copy and digital format validating the other with respect to both of the vehicles having been either paid in full ( XXXX  XXXX XXXX ) and XXXX  XXXX XXXX XXXX ) The total amount paid is roughly {$120000.00} from XXXX XXXX or XXXX XXXX XXXXXXXX both to which bare NY name as an authorized user or owner. The XXXX is paid in full and The XXXX still owes {$7000.00} according to digital online statement. Whats disturbing is the fact that Toyota Financial Corporation has reported to XXXX the account containjg the XXXX totaling {$48000.00} was paid in full. 

XXXX of XX/XX/2022. 
Further more the XXXX XXXX XXXX was stolen and then taken in the stolen recovery and ownership turnover period and repossessed that as well and stated. " Because we have not paid our bill we owe the full debt of {$84.00}, XXXX immediately if we wanted to get the vehicle back on a new 5 year contract, 60ndays old. The amount paid in was {$20000.00} which gave me a one year of payment immediately. 
Ironically still is the XXXX was financed because the XXXX was paid of and the bank validated that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I gave PayPal my bank account information for the sole purpose of paying my PayPal credit card on XX/XX/2020. On XX/XX/XXXX, PayPal attempted to use my bank account to process an unauthorized charge from XXXX for a anti adware software that I had cancelled months prior. XXXX acknowledged that it had been cancelled. PayPal 's system keeps attempting to process the same charge but has started changing the name submitted to try to bypass the stop payment by the bank which is still ongoing as of today. In an internal message sent to me by PayPal they acknowledge that this charge that was unauthorized by me and stopped by me was still showing active in 2 places within their system. PayPal claims that has been closed and even though they have received the funds back from XXXX, they are still attempting to collect the funds from my bank. PayPal 's automated system doesn't even show the ongoing attempts to collect the unauthorized funds for me to dispute. Most importantly, PayPal will not allow me to remove, delete and disconnect my bank account from their system. This is abuse of power and fraud. I should not have to close my bank account of 20 years because of PayPal using it for unauthorized charges!
Product: Credit reporting or other personal consumer reports

I my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there, I checked my credit report on XX/XX/XXXX. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Auto Dealers XXXX Used XXXX on XX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Money transfer, virtual currency, or money service

On the afternoon of Wednesday XX/XX/XXXX I initiated a Western Union money transfer to a charity in XXXX to support medics and doctors volunteering in the war. 
Western Union flagged it and put it on hold, I called at about XXXX XXXX  the SAME DAY to cancel it. 
I called Western Union and spent an inordinate amount of time on hold and talking to their compliance department. 
They refused to cancel it. 
There is no way for me to cancel it online. 
In order to cancel it, they requested documentation ( e.g. a passport ) of the recipient. 
I patiently explained that I do not know the recipient, had no way to get this information and I wanted to cancel the pending transaction. 
Western Union refused my request. 
They flat out refused to cancel my pending transaction, even though they already flagged it for potential fraud. 
I am livid.
Product: Checking or savings account

I tried to open a bank account and I was denied due to an account opened in my name without another bank - which I had no previous knowledge of.
Product: Credit reporting or other personal consumer reports

Ok there are XXXX collections on my credit report that are fraud and are not mine. XXXX is XXXX services for XXXX and the other XXXX collections are for sunrise credit services for charter communications that are fraud and are not mine. I want these XXXX collections taken off all three credit beure
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't get a hold of them. Updated PENN CREDIT CORPORATIO Account XXXX of them. XXXX reported me, and I never received, and bill and no nothing about it and I can't get a hold of anyone, and I get disconnected PENN CREDIT CORPORATION Account Name XXXX Account Number Collection Account Type XXXX XXXX XXXXXX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$830.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Product: Debt collection

In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX  send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. 

Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. 

XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. 

XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. 

Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. 


Thank you, XXXX XXXX