23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a mortgage refinance with Wyndham Capital Mortgage. We completed all paperwork and submitted all requested documents. Wyndham Capital Mortgage ordered a title report as is common practice for mortgages. The title report showed our current mortgage and a partial deed of trust. Wyndham Capital Mortgage approved us for 2.87 % interest conventional loan. We signed closing documents on XX/XX/2021. The refinance was scheduled to close on XX/XX/2021 and fund on XX/XX/2021. We received an e-mail on XX/XX/2021 advising us that the refinance was closed and has been fully funded. We were under the impression that everything was complete. 
We received a call on XX/XX/2021 stating that the refinance did not close and there was an issue with the partial deed of trust and they " didn't know about it '', even though it was on the title report that Wyndham ordered. I was told to forward a copy of the partial deed of trust for review which we did immediately. We then received a call on XX/XX/2021 stating that we could not close the original refinance, but instead now we needed to get an FHA loan instead of a conventional because they couldn't get us approved, which includes starting completely over and now requiring an appraisal ( which costs more money ). We were then told we can refinance with a conventional loan like we were originally approved for if we paid {$12000.00} to get the same interest rate. 
I will never use Wyndham Capital Mortgage again and will always encourage others to never use them. Deceptive lending practices during a pandemic is beyond deplorable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collections account from XXXX   XXXX in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX XXXX  showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to experian and XXXX  but get a response of it being reported correctly, it is not. I do not owe this collections account or progressive. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I requested that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXX XXXX XXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX and XXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX and XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX XXXX  XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXXXXXX XXXX  XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX XXXX XXXXXXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX XXXX XXXX XXXX XXXX  to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the
Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Debt collection

Portfolio Recovery continues to not follow the laws of the FCRA and tries to collect debt from me they can not validate or verify. I am now owed {$1000.00} per report to each credit bureau under the FCRA. I have proved to XXXX and all bureaus that XXXX and XXXX can not proved an original contract, physical signature, recording by phone or video of me asking for a line of credit. The accounts have been removed from all bureaus. Portfolio Recovery continues to inform me they have a right to collect a debt they bought but 1 ) fail to report to me how much the bought the debt for ; pennies on the dollar, 2 ) continue to send me statements as proof of the account ; under the FCRA this is not proof that I ever owned an account with either company, 3 ) Letters from the company stating they sold the debt but were never able to validate the account  was every mine! Therefore, Portfolio Recovery is ILLEGALLY trying to collect an unvalidated/unverified debt they bought from a collector. Again, statements are not proof of an account under the FCRA. 

Portfolio and I do not have a contract, they do not have my physical signature asking for a line of credit with them, nor do they have video or phone surveillance of me every asking for a line of credit with them. 

I do not owe this money.
Product: Mortgage

Ocwen Loan Servicing lied to a Federal court and indicated to them that they were my Lender and held first position as Lien Holder.  Evidence showed that Ocwen was not my Lender but XXXX and Ocwen had submitted a Fraudulent Title search using their own personal Title company to do the Title search, submitted the Fraudulent Title work to XXXX, Director of FHA .  They then sold their Servicer Contract to XXXX, another Servicer, a couple of months or so ago when it was discovered that they had submitted a Fraudulent Title to the Director of FHA, XXXX who indicated to them not to pursue a Foreclosure on my Property because FHA had an invalid Lien on my Property..  It has been found that both Servicers pursued Fraudulent Practices in underwriting, processing, closing and Mortgage Fraud.  Both Servicers showed that they escalated the amount of payment $XXXX 0f money fraudulently and statements is evidenced.  Hence, I am asking that the License be suspended and Revoke of Ocwen Loan Servicing and XXXX and their Records all be Audit.  My phine number is XXXX
Product: Checking or savings account

On XX/XX/ a third party check was deposited into checking account in the amount of {>= $1,000,000}. The deposit was a third party cashiers check. Once deposit was made, it was immediately placed on hold. I was asked to come inside of a physical banking branch with my identification and I did. After that I was told that I would have to wait on funds to be released. Since XXXX XXXX XXXX my entire account balanced has been placed on hold and as a result I have been incurring a {$5.00} monthly fee. I have reached out to the bank on several occasions and have been told that someone would get back to me. Its now been 21 months and I haven't had access to above mentioned funds. Given the state of the economy and my financial situation I am being and have been adversely affected due to the unavailability of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation done by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Frontline Assets at XXXX has been calling my phone looking for someone name XXXX to collect a debt. I keep telling them that he no longer has this phone number and it is my cell phone number now and have been since 2011. They keeping saying the will stop calling me and that has not happened. I will not provide them with my name but it's clear that I am not XXXX. They never say his full name. My name is XXXX XXXX and XXXX assigned me this phone number when I moved to Virginia in 2011. I want them to stop harassing and calling me everyday. Also XXXX XXXX at XXXX has been calling me asking for a XXXX XXXX to collect a debt since I had this phone number in 2011 and when I tell them this is not her phone number anymore, they say they will stop call but keeps calling anyway. I am being harassed by these two companies. My credit is very good and I pay all my bills on time and these calls is stressing me out. Please help!
Product: Debt collection

IC System at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$640.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for XXXX. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need XXXX to clear this last fraud item from my report please!
Product: Money transfers

MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I needed to talk to XXXX about sending some money so I looked up their phone number on XXXX and called them. I told the XXXX employee that answered the phone what I wanted and he said he could help. The problem was that he was not an employee of XXXX but a Hacker. He instructed me on what I needed to do and thinking he was a XXXX employee I did what he said. He said this would take a couple of days to get this done so he would call me each day for us to continue. This was on XXXX, and XX/XX/2023. I became concerned and went to Wells Fargo and they told me I was being hacked, and I had lost {$6100.00}. from my checking account. The helped me to file a claim with Wells Fargo which was denied. We later filed a second claim and it was also denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to add a fraud alert on my credit report. Equifax have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact equifax, XXXX & XXXX. The Social Security Department told me to contact equifax & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in XXXX. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  that I did not authorize see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, XXXX, Equifax still presents these negative items on my credit repo

rt. According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my credit score and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX XXXX AND EQUIFAX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.
Product: Mortgage

When my mortgage was originated I was promised a lower fixed rate, but at closing the rate changed. I was unable to afford the higher payment, and was advised by the servicer " I can't tell you not to make the payments, but we have no reason to negotiate with you if you are current '' Of course that was then represented in my credit report, but more horrifically, they sent notices to my ex-wife, who used that to force my hand in a child custody battle, causing me to negotiate a horrible compromise, and ultimately loose custody of my children.
Product: Checking or savings account

Suntrust bank has restricted access to funds we entrusted to them through our business account. Bank personnel have refused to issue and honor official checks, blocked wire transfers and all other forms of debit, despite sufficient funds being available in the account. The bank personnel have provided no explanation for this action
Product: Mortgage

I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.
Product: Debt collection

Global Solution contacted me on XX/XX/XXXX about a debit for {$100.00} that was owed by me to XXXX XXXX XXXX. I advised the Global Solution representative at that time that the bill was paid and also email a copy of the receipt showing that the debit was paid back in XXXX. XX/XX/XXXX Global Solution reported to the credit agencies the XXXX XXXX XXXX debit for {$100.00}. I contacted XXXX XXXX XXXX XX/XX/XXXX for an up to date copy of my billing statement. The information that was provided to me by XXXX XXXX XXXX shows that the patient ID that Global Solution provided to me abut this bill has on record for me has a zero balance. I'm in the process of buying a home and this is causing an issue for me.
Product: Debt collection

Account name : XXXX XXXX XXXX XXXX account number : XXXX To probity false deceptive practice, the FDCPA outlaws debt collector use of false and deceptive misleading information. It also protects consumers rights. 15 U.S. Code 1681a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. Which mean if I give power or permission. I DID NOT GIVE PERMISSION!

I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer.

I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.

Also I remind you. That you only have the power to verify these account only if I '' the consumer give you permission to verify. I DID NOT GIVE ANY PERMISSION!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. They must follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}.