23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Transunion has failed to correct my credit report involving an account with XXXX XXXX. 

I recently received a copy of my credit report and found that Transunion is illegally reporting inaccurate, non compliant, and false information about me. The following alleged collection account is not only listed as an OPEN but also having a past due balance of {$1900.00}. 

Account name : XXXX XXXX  According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and get them to seend an updated report showing their compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX INT - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

Wells Fargo is the mortgagee and mortgage servicer of a deed of trust executed on XX/XX/XXXX granting a lien against my property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( known as XXXX XXXX, TX ). Legal description -- Lots Number XXXX and XXXX ( XXXX & XXXX ), of Replat No. XXXX of XXXX XXXX, a subdivision in XXXX County. 

The amount financed was {$160000.00}. I am requesting that Wells Fargo provide a detail statement of all payments received during the life of the loan. Loan Number XXXX. I want to see payments and how they contributed to the reduction of the principal balance. 

Wells Fargo transferred the loan to XXXX XXXX XXXX without showing all payments applied. As a result XXXX XXXX XXXX initiated a foreclosure sale on XX/XX/XXXX. Please have Wells Fargo show the principal balance at the time they transferred the loan to XXXX XXXX XXXX. The current principal balance with XXXX XXXX XXXX is showing {$160000.00}. From XX/XX/XXXX up until now that means I have paid only {$3800.00} on a loan I have had eighteen years. 

What kind of loan is this? Interest only? 

During the hardship of Hurricane IKE the government had declared this property a natural disaster. Did Wells Fargo follow all the guidelines for Storm Victims. 

As of now Wells Fargo says the property does not belong to me but I have to pay all the bills ... I am the named Buyer/Borrower but the named owner is someone else.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) and XXXX on XX/XX/XXXX an secured Loan opened at at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an car loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

FTC REPORT ATTACHED XXXX XXXX fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 
Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, XXXX, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. 
Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C.

1681c-2. '' XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this ( Belmont financial Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info XXXX XXXX 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
Product: Checking or savings account

Capital One has experienced an outage and did not send an email to update me, has not given a clear resolution why or when funds from deposits will be available. I have bills due and my son needs diapers among other items. I can not buy groceries. I simply can not live life right now without my direct deposit.
Product: Student loan

Mohela placed my loans into administrative forbearance without my permission and I can not get answers as to when my first payment is due, how much I owe, when my request to be placed into the SAVE plan will be complete, and whether my payment can be lowered because I lost my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2017 Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have tried to speak to the company that repeatedly called and have sent three validation letters to the company. XXXX, XXXX and XX/XX/XXXX. I have not received any correspondence to the validation letters, but they are continually reporting on my credit. The amount of the alleged debt has changed as well. 


I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Product: Debt collection

This letter is a formal notice of my intent to file a complaint with the FTC, due to Bureau blatant and objectionable disregard of the law. 

I have submitted 2 letters to Bureau for disputing medical collection on my credit report. To date Bureau has not done their duty as mandated by law.

Federal law requires Bureau to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 


Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I am a victim of identity theft due to a data breach, and unauthorized accounts have appeared on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate removal of these fraudulent accounts. 
The following accounts should be blocked and deleted : XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, please delete the following unauthorized inquiry : Creditor : XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I talked to XXXX @ XXXX that this was not the number of who he was looking for, then two weeks later called the same number and asked them not to call anymore. XXXX calls twice a week or more adding to the over 30 junk calls a week.
Product: Credit card

On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Sent money through paypal to the wrong email address and the person who received it didn't return it. Paypal refuses to fix the problem for me, leaving me a negative balance over {$450.00}
Product: Checking or savings account

Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my XXXX XXXX account is associate and NOT Wells Fargo. Wells Fargo was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( Wells Fargo NOT XXXX ). I reached out to XXXX and then to Wells Fargo ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. ============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX  CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to Wells Fargo. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, Wells Fargo and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with XXXX, Wells Fargo and XXXX customer service for no fault of mine.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account.

This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy.

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Product: Mortgage

In XXXX, I was cold called by E Mortgage Capital to apply for a home refinance. Due to a professional mistake, I was put on the XXXX XXXX XXXX XXXX which, to my incredulity, did not allow me to obtain a personal mortgage ( that must be changed ; has nothing to do with a professional mistake!! ). I let them know that XXXX XXXX allowed a lender/servicer to apply for a XXXX XXXX to allow me to obtain the refinance. They declined to do that. In XXXX XXXX, I was called by E Mortgage Capital again, same person! I reminded them about the XXXX XXXX problem and he insisted that there was a program to BYPASS XXXX XXXX! I asked how? He insisted they could bypass XXXX XXXX. Summarizing the next XXXX months : I applied ; I gave them every doc they asked for ; Since I was semi-retired and did not have enough income, he asked XXXX TIMES for IRA distributions as each time it was not enough?? Totally unprofessional, should have known XXXX amount for XXXX distribution! That took months!!! Along the way, he apologized for the length of the application. I answered that they were the only game in town for me as it bypassed XXXX XXXX. I kept asking, again and again, how did he do it? I was thankful but could not believe it! Finally as the loan was ready to close, I was told XXXX XXXX XXXX  found out I was on the Exclusionary List and I was out of luck. I replied, Are you kidding me, you knew about this from the start and you assured me of bypassing XXXX XXXX! Why did you lead me on for XXXX plus months and make me take IRA distributions which I did not intend to take? No response but Im sorry. I then sent he mails to the top executives of the company and recounted everything. No response! Then, lastly, I asked them to apply for that One-Time Exclusionary List Waiver to see if I can get my loan. Again, no response!!
Product: Credit reporting or other personal consumer reports

Below inquiries I do not recognize from Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX