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

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Mortgage

Bank of America is guilty of conducting Trustee 's Sales without the authority to do so. In this instance, Bank of America has failed to secure the XXXX Grant Deed with the subject property. Therefore, Bank of America and the current trustee, XXXX ( XXXX ), can not collect any existing debt through the sale of my home and private property. Furthermore, while there is evidence of an existing Grant Deed of XXXX through a recorded document, neither myself or Bank of America have been conducting transactions under ther terms of the XXXX Deed of Trust. Therefore, no default can be had or may be claimed on the XXXX Deed of Trust. Just to be clear, neither Bank of America or XXXX hold the power of sale under the XXXX Trust Deed in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) has been associated with and recorded. And now, from this point forward, Bank of America and XXXX can not claim ignorance as to this fact and any action from this date forward will be fraudulent in nature and scope as well as evidence of a Racketeer Influenced Corrupt Organization ( RICO ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Trust Deed ( Deed of Trust ) is a written instrument by which title to land is transferred to a trustee as security for a debt or other obligation. 

Uniform Commercial Code Financing Statement ( UCC FINANCING STMT ) is a mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. 

Trustee 's Deed is a Deed given by the trustee when property is sold under the power of sale in a trust deed. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America ; Bank of America defaulted on me!
Product: Credit card

XX/XX/XXXX @ XXXX I called XXXX -- XXXX XXXXWells Fargo Credit Card Services and spoke to XXXX XXXX '' CSR customer service ] I discussed the possibility of settling my Credit Card debt [ {$3800.00} ], due to XXXX, illness, and a decrease in income. My offer was {$1500.00} XXXX countered with {$2100.00}. I declined because I was unable to perform. I was receiving phone calls and letters of past due and late fees as I continue to write to the numerous and varying addresses in hopes of getting a settlement. I sent letters XXXX. [ XXXX ] XX/XX/XXXX. All requesting settlement. Meanwhile fees are mounting and I am getting nothing but harassing debt collection phone calls. I blocked the calls. Actively searched online and and CSR " XXXX '' contacted me on XX/XX/XXXX. After a lengthy conversation and requesting contact by email, she informed me, she was unable to accept the settlement because it was not her department, but advised that she would get back to me. My request to XXXX was to have someone of authority, a Manager contact me via email. Today, XX/XX/XXXX I got an email. I call XXXX spoke with CSRXXXX and requested a Manager. XXXX, Escalation Team Member, spoke to me. He reviewed notes in the file and I reviewed with him the difficulties and frustration with trying to get this debt settled. I read my offer : My offer of {$1700.00} still stands WITH this agreement this debt will be paid in full to Wells Fargo Card Services. The offer was not accepted and the debt will be charged off at the end of the this month. Prior to I had never missed a payment or was late.
Product: Credit reporting or other personal consumer reports

upon me reviewing my credit reports i notice address, and Several Hard inquiries that were not intiated bye me
Product: Credit card or prepaid card

A payment was sent to Comenity Bank for the full amount of the monthly balance due on XX/XX/2022, but they did not apply it to my account. I had it disputed with XXXX bank ( See attached letter and outcome ). I made the full payment after they returned it to my bank account. Since then, they have charged me interest for XXXX months ( the second month on a ZERO balance ). I have disputed it with them beginning XX/XX/2022, been on the phone and writing in the message center- which is the ONLY way they accept written and documentation, but I have yet to get this straightened out after 2+ months of hours and hours, and days and days - speaking with multiple representatives of this company. They are fully aware that after they did a system update in XX/XX/2022, they have had multiple, and serious problems with their system - which still continues as of this writing and have not responded positively to me, or offered any recompense.
Product: Mortgage

Six years ago we applied for a home loan modification. After being told that we had qualified and had been approved for our loan, we were then told that the loan was denied. We did not know where to go for help. We hired a lawyer and stopped paying our mortgage payment at his advice. He told us he would handle our case and that he should be able to get us a loan mod within a year or two. We have been waiting for something to happen since that time. Now we have received notice of foreclosure and trustee sale of our home on XXXX XXXX, 2016. We have lived here for XXXX years XX/XX/XXXX. We were always on time with our mortgage payments until our " Pick A Pay '' went up above $ XXXX/mo. Wells Fargo will not answer the phone when our lawyer calls. Wells Fargo will not even discuss a loan modification. Our lawyers have determined that we qualify for a HAMP loan modification, but Wells Fargo is going ahead and selling our home out from under us with no negotiations whatsoever. Wells Fargo should be prosecuted for ignoring the programs that could help people like us, retired and taking care of our XXXX veteran son.
Product: Money transfer, virtual currency, or money service

I have had a account with paypal for over 10 years and it was in good standing all of that time I recently was sent the sum of {$200.00} to said account and it was deposited and shows as deposited on their log in page I received a e-mail stating I had account limitations placed on my account and they would not send my money to my banking account that they have on file for me I tried many times to tell them that I am a person with disabilities and also a veteran they said they would be holding my money for what is a unacceptable time 180 days and I can't afford to wait that long I do not run a business on paypal I have received donations to help me care for animals that I keep and feed that were injured or abandoned I use this money to buy food for said animals the only thing I did to get in this mess is request to change my phone number because I lost my other one I am XXXX and almost XXXX from severe XXXX and have XXXX XXXX they have put me under undue stress trying to get the money I desperatley need for care for the animals Please help me help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is XXXX XXXX. I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Product: Debt collection

My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. 
What can i do? i can not afford to lose my job by their calls.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EQUIFAX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$13.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I went to the bank branch after recently learning that I owed {$180.00}. I went to the bank a total of XXXX times on which the most recent visit I spoke with the branch manager and filed a complaint with the company. The branch manager also escalated this matter and I have yet to hear the results of the dispute and I paid the total of what was said to be owed. I was told by a customer representative that I would hear something by XX/XX/XXXX. My complaint with the company is that the information was inaccurate, I was never notified in writing about any amount being owed, I paid the account anyway and still am being punished for a very small amount of money ( {$180.00} ). The way that this account is reporting is keeping me from closing on a {$250000.00} home loan. I know that by law the information should be accurate and I know that this is a violation of the FCRA and FDCPA, so they must abide by the law. Everything that I have provided to them is true and accurate to my knowledge. I am in urgent need to resolve this matter as this is preventing me from moving forward with obtaining a home loan. I would like this item to be handled accordingly and removed from my credit report for the reasons mentioned above.
Product: Credit reporting or other personal consumer reports

Over the past two years, I have been given the run around about 2 collections on my XXXX and Transunion report. 

On XX/XX/XXXX, I contacted the original creditor ( # XXXX ) " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about a fraudulent lease obtained in my name with XXXX XXXX XXXX XXXX or around XX/XX/XXXX by a con artist ( XXXX XXXX XXXX. The original balance was {$13000.00}. They placed me on hold to get the supervisor after I supplied an identity theft report, approved police report, complained through the CFPB, and much more. They then offered a call back but never called. On XX/XX/XXXX, I contacted the debt collection agency, " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that they unlawfully sold my information to regarding the alleged debt and I explained to them the issue and the lack of communication regarding this matter. They said they would dispatch a fraud packet to my home address and agreed to open the investigation to remove. 

On XX/XX/XXXX, I attempted to contact the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), about another fraudulent lease obtained in my name in/ or around XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and got an automated teller system. I then contacted the debt collection agency, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that they unlawfully sold my information to regarding the alleged debt, and I followed up on Dispute ID : XXXX. I explained how my rights are being violated and I never received an update regarding my dispute. I spoke with XXXX XXXX and he gave me his email : XXXX because he admitted they never communicated with me about needing the copy of the back of my DL and my notarized residency affidavit. I got these items to him immediately.
Product: Mortgage

I was coming out of Forbearance and was contacted by Mr Cooper reps about next steps. They gave me no other option but to settle the entire amount of the forbearance period in XXXX payment. 
I contacted the VA and had them help me with this by having the VA make an extension. Paperwork was sent to me for me and my wife to sign and notarize. We called and scheduled the notary, paid and had the packet sent back. This was last XXXX. At the end of XXXX, a second packet was sent out to me, and I received an email from the Mr Cooper rep informing me that the paperwork was wrong and my wife signed in error, as she is not on the original loan- only the deed. So I was to have the paperwork signed and notarized and sent back in. They told me mr Cooper would schedule the notary for this. 
None was ever scheduled. I was also told, by an account rep, NOT to make payments as this would mess with the extension and payment schedule. 
At this time it was XXXX. It is now XXXX, no notary has been scheduled and I tried calling to make a mortgage payment. I was informed that I could not make just XXXX but that I had to make XXXX months worth of payments all at once and my house is in foreclosure as of XXXX XXXX. I was informed that a demand letter was sent to me in XXXX. After I told them I received no such letter, I was informed that not receiving it doesnt matter and I am still responsible for the payments and other issues in said letter. I still have not received any letter. 
My online account is disabled, so all I am able to do is see how much I owe and see the phone number to their customer service to make said payment as it is impossible to make an automated payment online. 
I have contacted my VA account XXXX and I am in contact with her, but I still have no idea how I am making XXXX  months worth of payments and avoiding foreclosure. I spoke to a loss mitigation XXXX at mr Cooper and all she could do was demand full payment and refer me to my state agencies for financial assistance I am about to become a statistic due to MR Cooper and their lack of administrative organization and demands that they are always correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may have been compromised due to the equifax hack. I am taking steps to prevent harm towards my account and credit.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXXXXXX 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
Product: Debt collection

Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below ; XXXX XXXX XXXX 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: Prepaid card

One time.for certain I visit this particular store on XXXX XXXX by the social securidades office somwone keeps picking my pocket for ssi number and XXXX I receive it on
Product: Credit card or prepaid card

On XX/XX/19 I was on the phone with the automated system of Synchrony Bank to pay my Banana Republic/Gap credit card due on that day. I didn't use the representative option because they charge money. 
My due date was XX/XX/XXXX and as my clock turn XXXX XX/XX/XXXX I didn't have an option to call the representative and I explained to the representative over the phone that : I was on the phone until XXXX east time trying to make a payment with the automated system. 
Because the system didn't take my payment I called at XXXX to speak to a representative and because the due date passed for 30 minutes already they charged me Late fees.
Product: Checking or savings account

Bank of America did not close my account after explicitly instructing them to close it. Instead they locked my account and now I can not pay my credit card through them with my other linked checking accounts. Calling to resolve this took over an hr on the phone and multiple transfers with few clear answers. 
The bank charged monthly service fees after my account switched from a student account. Due to my busy schedule I did not have time to close the account. Because of this Bank of America would only refund one month 's fee. I asked them to close the account and leave the - {$12.00} dollar balance as is. I was told this wouldn't be an issue and would only need to pay the amount if I tried to open a new checking account. My biggest issue the bank not closing my account after being instructed to. Padding their account numbers falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

From previous claim of dispute of my public record. Attachment proof from the court.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired.

Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of XXXX Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against XXXX discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses XXXX XXXX discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.
Product: Vehicle loan or lease

I sent in a dispute letter via online and certified mail on XX/XX/year> and the account balance was removed but the account is still being reported as " potentially negative '' affecting my credit score
Product: Debt collection

the company National Credit system is trying to add more money onto a debt for 3 times the amount that was passed judgement in court. 

the debt was taken into judgement by the court on or about the end of XXXX final judgement in court was to pay of the amount of {$1200.00} which is the rent due for one months rent. The collection company had tripled the amount due to $ {$3500.00}. request for detailed debt verification has failed and none has been provided. this amount is not what was passed judgement in court. the company has then put this amount on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX