23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made to Macy 's account on XX/XX/XXXX for {$370.00}. The payment was processed, but in XXXX I received a letter in the mail stating that I was being charged because there was a mix up in my payments. When I called to get detail on why my account was charged {$370.00} I was told that on XX/XX/XXXX the payment was removed from my account and sent to my Mother 's account. When I asked them to tell me where my payment went they asked my to verify my mailing address, when I did, I was told there were XXXX accounts listed. I confirmed that my Mother and I share a mailing address but have XXXX different Macy 's accounts. The representative then asked me to verify my Mother 's DOB and last 4 of her SSN to access her account. I told him that he his breaching security protocol because he knows I am not the person he is requesting verification from. I was told that he needed me to provide the information so he could access the account and find out where the payment went. When I gave him the information, he confirmed the payment was sent to her account. When I asked him who authorized the transfer he told me that I someone called in on XXXX and requested the transfer. I asked how the person was verified and was told that a verified number called, when I disputed his statement he then told me that no call was made and that a journal entry was made by the back office on XXXX to transfer the funds. Macy 's has put both my account and my Mother 's account at risk by not protecting the security of it and by letting the back office make a mistake they refuse to rectify.
Product: Mortgage

Wells Fargo has been bullying me for a long time with the VA loan I have. I have had this load for 7 years, in the first few years everything was ok. I was playing {$970.00} for the loan, but out of nowhere in XX/XX/XXXX, with no warning or documentation they raised the load payment to {$1500.00}. It took me 3 months to get someone to tell me what happened. Within those 3 months I was put on hold for hours, hung up on constantly. When I finally got someone on the line they said my taxes went up and they didnt take enough out for the insurance. I had to get a loan mod and had it taken down to {$1200.00} in XX/XX/XXXX. I worked some stuff out with them but here in XX/XX/XXXX when hurricane Harvey came thought and flooded my home Wells Fargo gave me 3 months to not pay anything but at the end of the 3 months what ever I didnt pay in those 3 months I had to pay in full. This hurt me and my credit. Wells Fargo had destroyed my credit. I am far behind in my loan due to the fact that Im trying to catch up with paying the bubble and it just kept adding on. I was never given any documentation at all. I asked many times but all I was given was a person telling me about whats going on. I would like it if they could take off the late payments on my credit so I can refinance my house with someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called my bank today which is the XXXX of XXXX and I reported fraudulent activity these are the dates and amounts that I reported XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$78.00} ( and this one I realized was not fraudulent, I remembered making this for a friend ) XX/XX/XXXX - {$830.00} XX/XX/XXXX - {$37.00}. 
Their fraud department deemed it was not fraud and closed the case!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Request for Debt Validation Account Number : XXXX Dear To Whom It May Concern I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have attempted to dispute this item with Equifax several times and they have failed to provide me method of validation/verification used. This account is not mine and I would like for it to be investigated properly and or deleted ... 

Accounts : XXXX , XXXX - Acct # XXXX I have no knowledge or records of the listed account ( s ). 
Please advise me as to the name and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
Product: Payday loan

Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 We have disputed this account. BK OF AMER and XXXX XXXX. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is defaming my character by obtaining my information and furnishing it without my permission
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be promptly verified or removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Mortgage

I have been trying to modify my loan with the XXXX/Nationstar for the past 4 years. I have attended 3 mediations where they have participated in bad faith. They have never proved ownership of the note. The note was securitized into a trust then sold as certificates to investors with NO RECOURSE. XXXX has recorded an assignment in my county recorders office that they are acting on behalf of their investors. They are a Trustee and only a trustee, they do not have any beneficial ownership rights to my property and since the investors have no recourse they should not be allowed to foreclose on my home. Since the 3 failed attempts at mediation I have filed a petition for judicial review. The judge ordered us back into a 4th mediation. Four years ago I tried to negotiate a principal reduction with the help of the TARP funds. Nationstar is a participant of the TARP funds however never offered me any help or assistance with not losing my home. From day 1 it was their sole attempt to foreclose for the cash funds. I wish I would have let them get the {$60000.00} my home was worth then compared to the {$180000.00} it is worth now along with my arrears now of {$43000.00}. I have basically maintained the home for their benefit. I am sick to death of their extreme unprofessional behavior as well as no care or concern of helping me through this situation that has drug on for 4 years now.
Product: Mortgage

Ocwen Loan Servcing has reported negative payment history to all three major credit reporting agencies and it has affected me in getting a current loan. I have contacted Ocwen to correct this over 15 times by email, fax, telephone, my current mortgage lender has faxed them with proof of payment. I have attached my credit reports and proof of payment to Ocwen and they have not corrected the information and therefore, I may not be able to close on my current home and will be homeless. This information is wrong which they reported XX/XX/2016 the same day I paid the loan off.
Product: Money transfer, virtual currency, or money service

I have not used Venmo in sometime and was asked to download it for a transfer when I found out that my new phone number is registered to somebody elses account still and I can not login because its not my information to verify so Im locked out and now the account will not let me login. It always says request denied and all of The Venmo virtual help is useless in this situation.
Product: Credit reporting or other personal consumer reports

These accounts were opened by me and remained in good standing for years until my identity was stolen by someone with access to all my information in 2020. I have already spoken to XXXX XXXX Wells fargo MANY MANY times, i've sent in police reports, emails, calls, anything you can think of. I'M GETTING SICK AND TIRED OF HAVING MY FINANCIAL LIBERTY STRIPPED FROM ME BECAUSE OF SOME IDIOTS THAT HIJACKED MY LIFE 4 YEARS AGO. I'M TRYING TO PURCHASE A HOUSE SOON AND I HAVE ZERO CHANCE DUE TO THESE NEGATIVE ACCOUNTS STILL REPORTING TO MY CREDIT EVEN AFTER SENDING IN ALL THE REQUIRED INFO THEY ASKED OF ME. THESE ACCOUNTS WERE REMOVED AT SOME POINT FROM MY CREDIT REPORT MONTHS AGO AND JUST GOT UPDATED AGAIN AT THE BEGINNING OF XXXX AND HAVE RETURNED.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have had a severe impact on my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of XXXX XXXX.
Product: Mortgage

I applied with a separate company on XX/XX/21. From XX/XX/21 forward, I have received calls every day multiple times per day from Amerisave Mortgage which is not the company I am working with and Amerisave Mortgage refuses to stop calling. I have told them every day that I want to be removed from their list and they continue to call the next day. This harassment is both unprofessional and illegal. I have blocked their number and they call from a different number. I have never inquired with them and they have never disclosed specifically how they received my information. I just want the harassing calls to stop.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provided Proof with statements showing that these payments were late. If proof cant be provided i demand these payment be updated to on time as they should be as i was NEVER late. Thank.
Product: Credit card or prepaid card

Problem : Opening a Target credit card back in  XXXX   XXXX ,  XXXX  in  XXXX   XXXX , CA to take advantage of a promotion to save 5 % on that day 's purchase. The cashier offered the 5 % savings if I applied for the card, so I did. I filled out the fast credit brochure and put my address in  XXXX   XXXX . The cashier mentioned that I would be getting my target card on the mail in a matter of weeks. So I qualified, and ended up using my own  VISA  debit card to pay for the purchase.   Now, what target did is let  XXXX  use my own  VISA  card to pay but in reality what they did is used my new target credit card to pay for the total amount of {$32.00} on that  XXXX   XXXX  (  XXXX  ) day.   I was waiting for the card for weeks but it never came. So, I decided it was best not to get involved with another card. During my monthly budget overview I must have not paid too much attention to that purchased as it was  XXXX  and a busy month. To my understanding since I paid using my own VISA card I was very unaware that Target had charged me using that card.   On  XXXX   XXXX ,  XXXX  I got a call from a collector from Target demanding that I pay an amount. This was a total surprised to me and I had no idea what she was asking me to pay. I ended speaking to Target 's complaint department, customer service and the dispute department and filled a claim after I explained to them that I never received a bill from target for the amount I owed and to this day  XXXX  do n't even know the credit card number because I never was mailed  one. They did n't care, the collectors  only wanted me to pay after making me feel really bad and called me a liar many times. 8 days after the conversation with the Dispute department I got a later from Target telling me that I had put the incorrect address and that was it. After waiting  2 hours, 2  hours on  XXXX / XXXX / XXXX  to speak to someone in the dispute department I tried explaining my problem and that I was willing to pay the amount that was charged ( {$32.00}  )  on the card initially but that the fees now amounting {$110.00} were very unfair. When I asked what address they had on file they told me it was my old address in  XXXX , CA where I lived 5 years ago. I asked how would they have that address the lady mentioned, " we got it through public records ''. So, at that point I knew that I had not filled the incorrect address because I opened the card at the  XXXX   XXXX  Target, I live in  XXXX   XXXX , CA and to this date I would n't have remembered the apartment number where I lived 5 years ago.   This is a very illegal charge and I need to get resolution and stop the harassing calls.   I am willing to pay the amount that was charge that day on  XXXX / XXXX / XXXX  but the fees are unfair. I never got a bill from target to pay anything. I had no clue that the amount was charged on the card. They took advantage of the  XXXX  holiday to bill me without telling me and then when the fees amounted to an amount they want to collect they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested of Equifax there method of verification proving that an account that I allegedly had with XXXX  XXXX XXXX was been reported on my credit report accurately. This request was received by them on XX/XX/XXXX and almost two months later they have failed to respond to such a request and this is a clear Fair Credit Reporting Act violation. On the last credit report that I got from Equifax it states that the XXXX  XXXX XXXX Account went into a charged off status in XX/XX/XXXX and this is false.
Product: Debt collection

The debt collection company ( Action Financial Services ) is masking/spoofing their phone number on caller ID to match my employer 's phone number, complete with area code. Calls are made repetitively through the day. The starred items in the attached jpeg illustrate calls made by Action Financial Services masked as my office number.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card

This account was open without my knowledge, and I may be a victim, identity theft, and I want this account to be removed
Product: Mortgage

I have a mortgage that was transferred to Mr Cooper, formerly Nationstar. Since they took over the mortgage, they have failed to pay my insurance, causing a lapse in the coverage, despite repeated attempts on my part to get them to pay it. The insurance and taxes are paid from our impound accounts that they collect each month. 

On XXXX XXXX I called them because I received a notice from the county of XXXX XXXX tax collector stating that they had failed to pay a bill for unsecured property tax. I called the company and spoke to XXXX, and then his supervisor, XXXX XXXX. I asked them to pay the tax and refund me the penalties. The bill on that date was for {$130.00}. Taxes were XXXX, penalty XXXX, and collection cost of {$20.00}. 

XXXX told me she would contact the assessors office and resolve the matter. She told me it would take several weeks but that she would handle it. 

This week I received a notice of lien on my property for the same bill. The amount is now {$160.00}, taxes still {$100.00} and penalties of {$10.00}, {$1.00}, and {$49.00} of collection costs. I called the company 4 times yesterday, XXXX, and could n't get through. The first time I was instructed by the automated service to leave my number and expect a call back, and two hours later the automated service told me to call back later, they were too busy. 

I had perfect credit prior to this situation, I want Mr. Cooper to pay my taxes, refund me the penalties and make my credit right again. I ca n't get them on the phone to help me, and every time I speak to one of their representatives, they tell me they will fix the situation and do nothing. 

I would also like to move my mortgage to another lender. I have had this loan since XXXX and it has been transferred to 4 lenders now, they are by far the worst. 

What are my recourses here? 

Thank you.