23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo illegally sold my mortgage while in the midst of applying for XXXX XXXX funding. They didnt tell me where or how to apply for it, while advertising to me during the hold time when I called into their mortgage department to " ask one of their representatives for information on how to qualify for this extra help that was granted to their customers during the Covid lo kdowns. The requirement in the very beginning with Wells Fargo to qualify is that we had to be current with our payments. This was never Foreclosure they were told by me every three months when i was required to check in that this was Covid relief. Somebody named XXXX contacts me saying they bought my contract but they cant verify my payoff amount. For years. Then I recieve a foreclosure notice from XXXX XXXX XXXX XXXX XXXX, and they cant verify my payoff either. Both companies are trying to do a modification that includes around XXXX in attorney fees. They both are calling my contract fromm WF a foreclosure. All three companies never told me I had to apply for it myself. In all these cases they didnt give me the documents i needed to apply at the XXXX with. Please help me. Covid funding is for the number of payments i was behind, isurance, taxes and late fees, principal and interest... not attorney fees ... why, this is not a foreclosure this was covid relief. That money doesnt belong to anybody but my account to pay it down. they gobbled up XXXX in Covid funding illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt. 

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports. 

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a debt.
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to the company and credit bureaus multiple times. this is not my debt. I have contacted the company multiple times
Product: Credit card

Details of the Issue : On XX/XX/year>, a fraudulent charge of {$570.00} was made via XXXX using my TD Bank card ( details attached ). Upon discovering the unauthorized transaction, I immediately secured my XXXX account to prevent further fraudulent activity and reported the charge to TD Bank without delay. 

However, TD Bank declined my fraud claim and rebilled me for the transaction, citing that the card was not used after this charge. The reason my card was not used after the fraud occurred is precisely because I proactively secured my account and took all necessary steps to prevent further misuse. 

Violations and Concerns : 1. Failure to Investigate in Good Faith : My claim was closed and rebilled on the same day it was reported, indicating no proper investigation was conducted.

2. Zero Fraud Liability Breach : As a cardholder, I am entitled to {$0.00} fraud liability for unauthorized transactions under TD Banks policies and federal consumer protection laws. 
XXXX. Unfair Denial of Claim : My preventive actions ( securing my account ) are being used unjustly to deny my fraud claim, despite clear evidence of unauthorized activity. 

Requested Resolution : I demand a permanent credit of {$570.00} to my account, as this fraudulent transaction was not authorized by me, and TD Bank has not upheld its duty to thoroughly investigate and honor my fraud protection rights. 

Please investigate this matter fully and ensure TD Bank adheres to consumer protection laws and fair practices.
Product: Credit card

Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother 's maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous '' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate and unlawful reporting of a civil judgment by XXXX  to XXXX. XXXX  is reporting this civil judgment as an eviction, which is completely incorrect. 
After disputing the civil judgment with the court, it was confirmed that the civil judgment is inactive and that there is no eviction record in their system. Despite this, Asurint continues to report this civil judgment as an eviction on my XXXX background check, which is a clear violation of my rights. 
By law, XXXX, XXXX, and XXXX are not permitted to report public records such as civil judgments if they do not meet specific reporting criteria. As Asurint is a third-party company that conducts background checks, it is responsible for ensuring that the information it reports is accurate and complete. In this case, Asurint has unlawfully reported a non-existent eviction, which violates the Fair Credit Reporting Act ( FCRA ). 
The FCRA, specifically Section 1681e ( b ), mandates that consumer reporting agencies like XXXX  must ensure that the information they report is accurate and complete. As XXXX is reporting an eviction record where none exists, this violates my rights. Furthermore, the FCRA under Section 1681c requires that information such as my Social Security number ( SSN ) and date of birth ( DOB ) be included for proper identity verification. XXXX  has failed to include my SSN or DOB, further violating the FCRA. 
The incorrect reporting of the judgment as an eviction has caused : 1. Denied Housing : The incorrect eviction record has led to denied housing opportunities, as landlords and property managers rely on background checks. This false reporting is unfairly preventing me from securing housing. 
2. Financial Strain : Due to being unable to rent, I have had to accept higher rental costs for temporary accommodations, which has caused significant financial strain.

3. Emotional Distress : The incorrect eviction record has caused emotional distress and XXXX, leaving me in an unstable housing situation.

4. Damage to Reputation : The incorrect eviction record continues to damage my reputation, making it difficult to regain trust with future landlords and housing providers.

I am requesting that XXXX  immediately remove and delete the incorrect eviction record from my background check. It is essential that this record be completely removed from my file, not updated, as there is no eviction and the judgment is inactive. I also request written confirmation once this matter has been resolved. If this issue is not resolved promptly, I will seek further legal action.
Product: Mortgage

I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.
Product: Bank account or service

I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my XXXX checking account to an account at capital one. I requested this transfer be stopped on XXXX XXXX. XXXX XXXX denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police XXXX XXXX did request a return of my money from Capital One on XXXX XXXX. I have never done any business with Capital One how did they open an account in my name?
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

{$300.00} Open balance LVNV FUNDING LLC Original creditor XXXX Opened XX/XX/year> ( 2 yrs, 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name LVNV FUNDING LLC
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$3200.00} XXXX XXXXXXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  {$1600.00}
Product: Credit card

I tried to pay this credit card as I do with all my credit cards before payment is due. Their system had been continuously down. And the only late charged were the one with auto pay.
Product: Student loan

I was attending XXXX XXXX  from XX/XX/XXXX until XXXX of XXXX. My payments were messed up on XXXX end like so many other students causing me to no longer be enrolled until I could pay off a big balance out of pocket. That balance could not be paid at the time and I had other debt so I was not able to finish going to school. The school has since gone out of business and my credits were finally transferred years later after already being out of college for YEARS. I am now paying off student debt from an illegitimate college and would like some help getting this debt removed.
Product: Debt collection

XXXX XXXX has not provided any form of signature or valid documentation that I signed for debt. You have continued to report an account that has already been removed by XXXX, XXXX and XXXX as it was proven to be incorrect. You are continuing to report an incorrect debt to transunion with XXXX proof of validation. FCRA violations have continued despite the fact that you have been notified of incorrect debt. You have no legal right to hold a fraudulent debt to my account that has previously been removed by all other reporting agencies
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX A Section XXXX It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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 andantes the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Product: Mortgage

Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments
Product: Debt collection

I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER.
Product: Debt collection

On XX/XX/2018 sent certified validation letters to XXXX to verify debt of {$450.00}, {$36.00}, {$740.00} from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Mortgage

I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX  on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. I can not do this and my money is basically in limbo. I was told to send an email to address that I already emailed and got no response from. I have also attached the screenshot from the Mr Cooper employee showing my payments but not applied properly. Now as of XX/XX/XXXX MrCooper has responded to me with their final investigation and claims that a payment from XX/XX/2021 was reversed and this money was applied to that, but as I was in the covid relief plan there was no payments made at that time, so the money has effectively disappeared.
Product: Debt collection

I have disputed this debt with three different collection agencies as the debt is not mine. I have completed a fraud packet with XXXX as well. I sent that information in to the previous agency. XXXX XXXX XXXX. This debt has reappeared on my credit report again. I again disputed and asked for the validation of this debt several months ago. I have still not received any validation. This is fraudulent and violates my rights under the FDCPA and FCRA. I am asking that this be rectified and removed the erroneous debt from my credit report. I will also be filing a XXXX complaint as well since this company did not do what they were required to do with the previous dispute.
Product: Checking or savings account

Ive requested copies of any court orders that may have been filed against my company XXXX XXXX XXXX XXXX. 
Im also requesting information on the withdrawal of {$940000.00} from my checking account on XXXX XXXX XXXX Also the savings account withdrawal of {$65000.00} on XXXX XXXX XXXX In addition I would like to know about the CD account withdrawal of {$150000.00}, I was issued a check for {$5200.00} on XXXX  A letter was sent out saying all accounts would be closed by XXXX XXXX XXXX  an any remaining funds would be sent to the address on file within 10 business days. I have not received any funds yet except the {$5200.00} which is very unusual. Please close all my accounts.