23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XX/XX/XXXX, I was furloughed from my job during XXXX. I was current with my home loan at that time, but due to my circumstances I requested information from Wells Fargo on putting some payments at the end of my loan. Once I began working again, I contacted them to resume payments. They said I had been placed in forbearance, which I did not request, and that they would send me paperwork I had to fill out to resume payments. They sent out papers in my married name, and I had been divorced for XXXX years at that time. In addition, the mortgage had always been solely in my name. 

When the papers finally came through, they had added a large lump sum payment for my loan to immediately be brought current all at once, before they would let me resume payments. I made my regular monthly payments anyway, and all were put in a suspense account. After some months, all payments were applied to the back months when my payments were suspended during XXXX rather than applying the missed payments to the end of the loan as I had understood. Wells Fargo then made it impossible through their app or their local branches for me to make any payments. They did this so that they could put my loan in arrears and began foreclosure proceedings, as my home had ( and has today ) substantial equity and they wanted the home instead of my payments. 

After a full year of effort, the expense for three lawyers, and all the funds in my retirement account, I paid the " arrears '' of {$34000.00} in full to resolve. As soon as I was able, I refinanced my mortgage with another bank. I then discovered that Wells Fargo had put an additional {$100000.00} in " silent second '' mortgages on my loan and my payoff was {$100000.00} more than what was documented on their paperwork for my loan. Though I was appalled, I paid the extra amount in my new mortgage just so I wouldn't have to associate with Wells Fargo anymore. The foreclosure record has harmed my credit and the legal action remains the top listing anyone sees when they XXXX my name. This has been the most financially devastating situation I have ever experienced.
Product: Mortgage

the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE XXXX XXXX XXXX
Product: Mortgage

Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In reference to the accounts listed by Equifax. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DELAWARE XXXX names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following XXXX are not correct : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Mortgage

This criminal firm ( find guilty in Superior court for defrauding and lying to their clients ) consider that is a harassment defending a property for which you do not have any obligation is consider harassment that what is consider there criminal illegal fraudulent and deceiving activity inside my property Terrorist act Crime against humanity what is consider?

I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms XXXX  and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in PA was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$370.00} XXXX XXXX - XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX, Transunion, XXXX Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent several requests to Experian to investigate concerns found on my credit report. I correctly included my driver 's license, social security card and a bill to represent my correct address. Three Letters dated XX/XX/2023 was received from Experian indicating that the proof of identity provided ( my driver 's license and social security card ) does not match the information that they have on file. Therefore, I should submit information ( 2 ) that would validate who I am. Among the list I can provide as proof is my driver 's license and social security card. In addition, Via email on XX/XX/XXXX, XXXX, XXXX, XXXX, I received correspondence from Experian indicating that they received a request regarding my credit report ( certified letters ). However, they stated that it doesn't appear to be sent by me therefore they will disregard my requests. I replied to the email indicating to them that I am indeed the person and to follow up on my requests. No response. I re-sent the same letters with my handwritten signatures via certified mail again ( all in one package ), driver 's license and social security card. Experian has refused to investigate my concerns on my consumer report.They have disregarded my concerns and have cause me undue stress. They have refused to investigate my concerns and this is a violations of so many laws there is no need to list but will be addressed.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry from XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX was added to my credit report on XX/XX/2022. I suspect this was a result of Identity Theft Fraud. I attempted to get XXXX XXXX to investigate the matter but they only gave me instructions on how to send them proof of my identity.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I'm trying to get my vehicle returned to me but can not get anyone on the phone or my messages returned. The company is GM Financial
Product: Mortgage

My client is being Steered to a Mortgage company by only giving a {$2500.00} Credit and a home warranty. Only if they use there preferred, and that is steering according to what I have heard from other trusted sources. My client is now confused and frustrated. I attempted to negotiate and inform the builder 's representative that what they 're doing is an illegal practice and they said they do n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed and sent numerous complaints and police reports with the case numbers in regards to fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following accounts and hard inquiries are fraudulent : XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. I been receiving harassing and threatening telephone calls from representatives from XXXX XXXX in reference to a fraudulent account that do n't belong to me.
Product: Credit reporting or other personal consumer reports

The following account are not mine and are unauthorized and need to be removed from my credit report Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Credit inquiries : XXXX XXXX XXXX
Product: Debt collection

Dates : opened in XX/XX/XXXX. 2 accounts American Express Still reporting on my credit report as charge off. incorrect the first date of delinquency. incorrect date closed. The Statue of Limitation has expired. Now their trying to collect. collection notes I received this year. I sent them letters Stop & Desist all letters sent to them are all return Receipts certify mail.Contacted American Express in writing at the following locations including XXXX XXXX, Florida ; XXXX, NJ ; XXXX XXXX, TX ; XXXX, NY ; XXXX, MA, XXXX, TX. dates XXXX ; XX/XX/XXXX, ; XX/XX/XXXX, XX/XX/XXXX & more dates. I also file a complaint with the XXXX  in the state of XXXX, TX. I have disputed these accounts with all 3 credit bureaus as well.Amount {$28000.00}. The other amount {$13000.00} yes these accounts are closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : 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 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 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  kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Navient called an ex boyfriend from 8 years ago and left him a voicemail with my name and that I was late on my payment. His contact information is not linked to my account and never was. I feel as if this is harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of Bankruptcy Procedure. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX  XXXX Bankruptcy The credit report inaccurately reflects a XXXX XXXX bankruptcy. I have obtained a letter from the Deputy Clerk of the United States Bankruptcy Court confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 

2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified. 

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX XXXX bankruptcy Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the Deputy Clerk of the United States Bankruptcy Court Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.
Product: Credit reporting or other personal consumer reports

Violations in accordance with 15 USC 1681, 15 USC 1692, and 31 USC 3729.
Product: Checking or savings account

Im am trying to access my financial data and its blocking the ap Im using
Product: Credit reporting, credit repair services, or other personal consumer reports

Please all the attached documents This is a follow up to the complaint XXXX With experian, they did NOT follow up with me they closed and opened a dispute in minutes ( I have proof ) they also violated many rights and lied please review all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX   on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Product: Mortgage

I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX  everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX  threatening XXXX  report me to the credit bureaus. I am not past due XXXX  I have no idea where that figure came from. I sent an inquiry XXXX  Caliber on XX/XX/XXXX XXXX  was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX  them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX  cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.