23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After closing a refinance mortgage loan, my mortgage company had an unexplained increased to my balance upwards of {$XXXX} or more, in additions my term also increased from a XXXX term to new XXXX  year term. 

Sometime after the refinance was completed, my balance increased by upwards of {$XXXX After reviewing the mortgage loan paperwork from the new servicer, it appears that mortgage company combine my refinance loan with another unknown borrower who shares a similar name. 

As a result, combining these XXXX loans, the mortgage company adding an additional {$XXXXXXXX} to my existing loan because the other person had a much higher loan balance. The mortgage company also increased the term to a new XXXX term. 

It is estimated this XXXX have happen sometime after the closing of XX/XX/2016 Because paperwork is combined with XXXX different people from XXXX different states, property address and different dates. It is uncleared what the exact date of the error is.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> ODE XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dispute of Unrecognized and Unauthorized Inquiries that i see on my credit report. This inquiries details are outlined 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They call approx 5x every day! Its XXXX XXXX and they've already called 2x. Yesterday they called at XXXX, XXXX, XXXX, XXXX, and XXXX. Everyday since XX/XX/XXXX, I get between 3-5 calls a day. Its harassing me!
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : XXXX  XXXX  XXXX  fraudulent account XXXX  XXXX XXXX XXXX XXXX  fraudulent account XXXX XXXX XXXX  fraudulent account XXXX  XXXX XXXX fraudulent account XXXX  Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked a copy of my credit report. I discovered several legitimate accounts that I opened and that belong to me are reporting some fraudulent activity. I also discovered accounts that I do not recognize, that were fraudulently opened in my name. I am the victim of identity theft. 

On XXXX XXXX, XXXX I was XXXX  for violating the terms of my state and federal probation. On XXXX XXXX, XXXX I was subsequently sentenced to a term of XXXX in federal court. Shortly after the state of Massachusetts sentenced me to a concurrent sentence ( running together ). I was released from XXXX to home confinement on XXXX XXXX, XXXX and immediately resumed employment. I was never charged with or convicted of a crime. Again, this was the result of a technical probation violation for suspicion of committing a crime. 

As a result of my XXXX I was obviously unable to utilize my legitimate accounts. Also, several fraudulent accounts were opened in my name. All activity from XXXX XXXX, XXXX through XXXX XXXX, XXXX is fraudulent and should be removed. 

I filed a police report and notified all the creditors as well as the 3 major credit bureaus, TransUnion, XXXX, and XXXX. XXXX and XXXX have already removed the fraudulent activity. TransUnion has not. 


NOTICE via USPS certified mail with return reciept Please see all supporting documentation including : A copy of my credit report with the fraudulent entries and accounts highlighted in pink. 
A copy of my state drivers license, social security card, and US passport to verify my identity. 
A copy of the police report I filed with the XXXX Police Department. 
A copy of a recent credit card statement from one of my legitimate accounts to verify my address. 
A copy of the US District Court judgment sentencing me to prison. 
A copy of my prison ID. 
A copy of the Federal Bureau of Prisons sentence computation verifying the dates of XXXX and release to home confinement. 
A copy of the state of Massachusetts docket sheet showing my concurrent state sentence running side by side with the federal sentence. 
A copy of the bill for XXXX and proof of payment.
Product: Vehicle loan or lease

Earlier this month, I reported Ally Auto and that case is open - XXXX - It said they were working on it. See response below. They never called and the written information they mailed was a threat to repo my car. Why is this wrong? XXXX ) I asked for a deferment months ago, XXXX or XXXX, when I knew I would be a month behind. They chose to charge extensions, more fees, more fees and even more fees instead of a deferment so I could get on my feet with paychecks. XXXX ) My car is now XXXX a month behind payment schedule. Companies usually repo when you are 3 months behind and my car has never been that far in arrears EVER. XXXX ) This threat was dated XX/XX/XXXX and I received it on XX/XX/XXXX so they can ruin holidays, not offer enough time to pay the remainder owed for the XXXX payment so they can repo the car on a whim. If I call, which I will tomorrow, they will gouge me with more extensions. XXXX ) XXXX payment is due in XXXX- so why did they cut out 5 days? So they can gouge me with extensions, extensions, pay more money. This shady, unprofessional and it should be illegal since they are operating like payday loans. They make sure you do not and can not get ahead at any point in time.
Product: Checking or savings account

On XX/XX/year> some called my phone impresonating a Wells Fargo employee. They stated that someone in New York was attempting to pass checks in the amount of {$190.00} and {$190.00}. I told them it wasnt me and they stated they they was going to refund the money back to my account. Instead the person did two XXXX transactions from my account to theirs.
Product: Mortgage

VIOLATION OF SORTSALE BY USE OF DUAL TRACKING, VIOLATION OF COURT ORDER OF CEASE AND DESIST CONTACTING OWNER WHILE IN XXXX XXXX, MAIL FRAUD WHILE IN XXXX TRESPASSING ON PRIVATE PROPERTY.. CONTINUE SERVICING LOANS WHILE RESTRICTED IN THE STATE OF NEVADA, XXXX HOMEOWNER TO ENTER INTO XXXX  XXXX XXXX WHILEUSING HIS MITIGATATING OPTION TO MITIGATE WITH A SHORT SALE, AND IGNORING THE RULES OF XXXX AND DELIBERATELY SENDING MAIL TO XXXX AND XXXX NOTICES ON PROPERTY THAT IS ILLEGAL AND NOT TIMELY. 


Chapter XXXX, the Role of the Trustee, and Rule XXXX ( c ) To the Bankruptcy Division of MaCarthy Holthus Law firm RE : YOU ARE ORDERD BY THE BANKRUPTCY COURT OF NEVADA TO CEASE AN DESIST OF ALL ADVERTISING OF PROPERTY ON THE INTERNET IN DIRECT CONTEMPT OF THE UNITED STATES BANKRUPTCY XXXX RULES FOR THE DIVISION OF NEVADA. 
Re : Property XXXX Silver XXXX XXXX, XXXX XXXX, Nevada XXXX Re : Loan Number XXXX Re : XXXX  XXXX Case Number : XXXX Judge XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : United States Bankruptcy Court of Nevada You are hereby Sanctioned, the firm of MaCarthy Holthus Law Firm representing PHH and Ocwen and Quality Loans in contempt for Violation the Bankruptcy Rule in the State of Nevada XXXX 
The trustees contempt to continue advertising the said property on XXXX and XXXX while Debtor is in XXXX  XXXX. 
The trustees contempt and sanctions motion in that case focused solely on XXXX failure to comply with Rule XXXX ( i ) when continued with advertising when the Bankruptcy XXXX and Representatives of the debtor spoke to PHH and email this Cease-and-Desist Notice of the Violation of Court Ordered Chapter XXXX of termination of all contact with debtor and its property. 
Your ignorance in this contempt will be addressed with the Bankruptcy Court and your failure to comply under Rule 3002 will result in sanctions for failure to comply and a civil contempt will be issued on PHH for {>= $1,000,000} for violating orders.

In so doing, the court relied on its inherent power and Section 105 of the Bankruptcy Code as the basis for imposing a remedial sanction geared toward compelling future compliance with court orders. 
There is no fairground of doubt where the party has notice of the order, the order is clear and unambiguous, and the proof of noncompliance is clear and convincing. 
PHH and XXXX are required to terminate all advertising as stated above by the end of Business Day XX/XX/XXXX and there will be no depiction of the property on and sales sights and all reference to XX/XX/XXXX Auction date will be scrubbed. 
Be aware that this email is being sent to Government agencies that solicit the activities and the disregard of particular mortgage servicers as named above to Govern the RULES ENABLING ACT, which grants the Supreme Court ( in practice, the Judicial Conference of the United States and its attendant committees ) primary authority for creating and amending federal procedural rules, with Congress serving in an oversight role. Congress retains the authority to enact legislation to amend a bankruptcy rule or any other procedural rule.

ATTORNEY MORTGAGE FRAUD L.P C.C. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a follow up letter for the accountsXXXX. 
XXXX and on XX/XX/2022 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( ARS ACCOUNT RESOLUTI, INPHYNET CONTRACTING SRV LLC-Original creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! 
Since you have failed to respond, I assume that you have been unable to validate the debt, so I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Checking or savings account

I opened a new checking account online through Laurel Road a subsidiary of Key Bank on XXXX XX/XX/XXXX and received a confirmation email that the account opening was approved. I changed the direct posit instructions at my employer to send a portion of my paycheck to this newly established account at Laurel Road ( {$1200.00} ). Later that week I added an external account for my primary checking account at XXXX XXXX XXXX I subsequently received a confirmation that the extremal account I added via online authentication to my like titled account at XXXX XXXX XXXX was properly linked and ready for transfers on XX/XX/XXXX. On the same day, XX/XX/XXXX, I initiated a transfer for {$1200.00} to move my direct deposit back to my primary checking account at XXXX XXXX to cover my mortgage payment. Today, XX/XX/XXXX ; I received a letter from Key Bank dated XX/XX/XXXX referencing my account at Laurel Road ending in XXXX and that it has been closed. I called the number provided in the letter XXXX and Key Bank informed me that despite sending me a letter regarding this account they can not speak to me and have no access to Laurel Road systems. I sent a direct deposit from my company XXXXXXXX XXXX  for {$1200.00} to the Laurel Road account in question. My online access to Lauren Road Bank has been restricted and I can not sign in. I've worked in the financial services industry for 25 years and never seen anything quite like this. It appears Key Bank/Laurel Road has unilaterally closed my account and seized my money.I spoke with a supervisor at Key Bank this evening at XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) who was unable to provide any information as to why the account was closed, what account was exactly closed, and where my money was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

identity theft, These accounts Genesis credit managemen and XXXX XXXX XXXX  do not belong to me. I have no contract with either of these companies
Product: Credit reporting or other personal consumer reports

These inquiries were not made by me and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all 3 credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Product: Debt collection

Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX   National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my credit file so to fraud and Im sending in my identity report because the credit breau advise me to send it in do to someone got hold of my information