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

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are calling my home and cell repeatedly at all hours insisting that I pay {$200.00} plus dollars more than I owe for processing fees, when I offered to pay what I had and thought that I owed, they refused to take my payment and continued to call multiple times a day. My husband tried to make a payment plan and they again refused to take partial payment insisting on more than we could afford, even though I explained that my husband had suffered a XXXX XXXX and is now a XXXX XXXX veteran and we are trying to recover financially. They call my home and XXXX of our cells repeatedly.
Product: Mortgage

Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all.
Product: Credit reporting or other personal consumer reports

This company is reporting 2 collection accounts on my credit report as past due, which violates 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681.

AccountsXXXX, XXXX.
Product: Mortgage

I am writing to express my deep concern and frustration regarding the status of my assumption loan application, which has been pending for over three months. I have diligently provided all the necessary documentation and have followed the application process as instructed. Despite multiple attempts to reach out via emails, I have not received any direct communication from them. 
I understand that the assumption loan process can be complex, but the lack of communication and transparency has left me in a state of uncertainty and distress. I have received packages from CROSSCOUNTRY MORTGAGE company and have sent all required documents through mail as per instructions. However, the absence of direct contact has made it extremely difficult for me to obtain updates on the progress of my application. 
Furthermore, my broker-XXXX XXXX who works in collaboration with his ( CROSSCOUNTRY ) company, has also faced challenges in establishing contact with Assumption department. He has expressed his inability to reach anyone who can provide clarification on the application status. Additionally, the reseller involved in the process has uploaded their side of documents through the portal ( CROSSCOUNTRY ) but has not received any response or confirmation. 
Given the prolonged delay and the lack of communication, I am left with no choice but to seek resolution for this matter. I have invested considerable time and effort into this application, and the continued uncertainty is impacting my financial plans. I urge you to promptly review my assumption loan application and provide me with a clear update on its status. 
Reseller wanted to close this property asap and if I close this property without Assumption Loan then I will be significant financial losses amounting to thousands of dollars.
Product: Debt collection

I have told this company and 3rd party company regarding this matter not to contact me via my cell phone nor work phone line. This company has called me repeatedly and on different days and times during my work hours despite telling them to correspond via US mail only. 

For example, they have called at : XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I called for loan level information which included my loan number. US Bank despite asking for my name, address, zip code, telephone number, full social security number, they refused to provide the loan number over the phone. They also refused to send me a statement via email as they required an additional piece of information which was a card number which I did not have. When asked to speak with a manager the team member told me that they wouldn't be able to help me, and I had to advise the team member that refusing to allow me to speak to manager could be illegal. I did speak with a manager who advised me that a new statement would be mailed to me on XX/XX/XXXX but I still could not receive the loan number any other way. 

US Bank continued to encourage me to setup an online account however each time I did that it would error out. They've made it incredibly difficult for me to not only to access my loan but also difficult to pay my loan.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry and did not consent to it
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Product: Checking or savings account

Wells Fargo bank XXXX XXXX  They gave me my account numbers and routing
Product: Credit card

I purchase a tv in XXXX. The night before going to the store, I activated a XXXX  % rewards back that was sent to me as a credit card holder ( photo attached ). I wanted to be sure that was on there for future purchases ( aka a laptop and tv I had been eyeing ). The next day I go to the store, a rep helps me with getting my tv and is talking to me trying to upsell me on other things even as we get to the cash register its so distracting that I accidentally select the wrong radio button and choose XXXX  month financing instead I tell him we need to cancel and do over and he says dont worry I can call Best Buy card services on the back of the card to have them switch it to the XXXX % rewards. He loads my tv and I leave. This was on a Sunday. Credit card services office was closed so I called Monday and they told me they could not do what the rep said and I will have to go back to the XXXX XXXX in XXXX. So I go back to the store and talk the the manager XXXX, who is now the general manager and tell him what happen on the previous Sunday with the rep, show my receipt, the screenshot of me activating the XXXX  % rewards offer, and he says he cant switch it, he did not offer a gift card for the XXXX  % on the previous purchase. He simple stated he didnt know why credit card services sent there but he stated he would give me 10 % off my next purchase. I was like how do I know youll be hear and how do I know you wont follow through on your promise. He told he wasnt that type of guy- he was not like that. I told him great because I had been eyeing an XXXX laptop and needed a new refrigerator. I showed him the laptop. He started talking to me about the membership plan and no point did he say when I came back he would not be able to discount my purchase if XXXX was included. Fast forward, I show up today XXXX and one he is not at the store and when I asked can he contact me because he made the promise to me and Best Buy has promotions that are ending today- he refused to call saying he is spending time with his family. Like I understand but this is a one case and the other manager on duty didnt know what was going on and was unhelpful and borderline argumentative. It was such a bad customer experience and managers should be held to a higher standard and just know better and follow through when they say they will do something.
Product: Mortgage

Currently, Mr. Cooper has our home up for sale on XX/XX/2021, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, NOTIFIED THE CREDIT BUREAUS OF THE ITEMS AND LATENESSES ON MY CREDIT FILE OF THE FRAUDULENT ACTIVITY ALONG WITH MY POLICE REPORT OF THE IDENTITY THEFT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACTIVITY AS DIRECTED ACCORDING TO THE FCRA LAW SECTION 605B WITHIN 4 BUSINESS DAYS AS THE LAW REQUIRES THEM TO DO AND THERE NELIGENCE HAS CAUSE ME TO GET TURNED DOWN FOR LOANS ECT. AS THE FRAUDULENT ACTIVITY ON MY REPORT HAS LOWERED MY CREDIT SCORE CAUSING ME TO BE AFFECTED AND IF I DONT HAVE THE SCORES REMOVED AS THEY WERE TOLD I WILL BE FORCED TO FILE A COURT COMPLAINT AGAINST THESE COMPANIES FOR THE NELIGENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, equifax, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

A 30 day late was reported inaccurately for XX/XX/2019 on a 3 month installment loan, that was set up on auto-pay from XXXX - XXXX. 

Another 3 month installment loan also set up on auto-pay for same dates is reporting no 30 day late in XX/XX/2019. 

Both accounts are paid off with a XXXX loan balance. Reporting should reflect the same status of XXXX, XXXX Off XXXX with no 30 day late on both accounts setup on auto-pay. 

Credit report reflects activity for XXXX, XXXX, XXXX and XX/XX/2019 ( 4 months ) for what is supposed to be a 3 month term loan. 

auto-pay appears to have failed to pull final payment amount within allotted time with no fault to our own.
Product: Mortgage

I stopped automatic deductions from my checking account in XXXX because XXXX XXXX were constantly paying people I didn't owe and overdrafts my account.I went into the bank and paid a cash interest payment in XXXX XXXX .At the end of XXXX about the XXXX, I received a letter saying I was late with the payment. I went into the bank with my receipt to show I wasn't late. I thought the mater was taken care of, it wasn't. I received another letter in XXXX for payment for XXXX along with a letter saying my line of credit was suspended. I called costumer service and let them know it was paid they told me to email them a copy of the receipt, I did that. At the end of XXXX I received letters of my interest rate went from 1.99 percent to 6.percent and they wanted XXXX for XXXX payment and the account will be placed in collections and paperwork on mortgage foreclosure. It all came in the mailbox on the same day. I went in the bank and talked to the manager we called customer service and got the run around of our life. They told use to write a email we did then they sent a response that that was the wrong department so we sent it to a different department with a list of issues that had been plaguing my account to include missing money of over XXXX dollars or more. At this time we are not hearing any answers from anyone but the demands for payment and foreclosure threats are still coming. I am out of work now for an injury on the job and I don't have XXXX for XXXX payment. They are ignoring the bank manager and running over me like a freight train and they are moving so fast that I do t have a chance of saving my house although my payments are up to date .I was robbed of a lot of money from this account and the representatives lied and said there was an investigation going on and it wasn't. Please help me if you can. I have already paid over XXXX dollars in principle back to the Mortgage company and had goal of complete payback in 15 no more than 20 years, but so much bad things are happening with my XXXX XXXX XXXX  accounts I get frustrated with the fact that I am getting no results when I see the bank representatives or call customer service and tell them I am not spending this money. .Not only that but the representatives and managers keep moving to different places/banks then I have to start the complaint all over again .The payment amount suddenly jumped higher on the late payment reminder notice by over XXXX dollars but when I showed the representative my receipt proof of payment she said the letter was in error. I really need your help please.I am the only one losing big Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX
Product: Mortgage

The property ( XXXX XXXX XXXX XXXX MD XXXX ) was initially purchased in XXXX of XXXX. Within two years the housing market crashed, and the value of the property decreased significantly. The outstanding loan balance became more than the appraised value. Wells Fargo was the Note holder and XXXX XXXX became the servicer of the loan. Wells FargoXXXX XXXX did propose modifications but they significantly increased the monthly payment. In addition, the proposed modifications did not address the rapid and significant decrease in value. Eventually, the modification proposal increased the monthly payment on a property that was worth significantly less. Wells FargoXXXX XXXX eventually offered XXXX dollars if we handed the property over to them. Consequently, we accepted the offer in XXXX. It was my understanding that this would be a Deed-In-Lieu of foreclosure. However, it was reported on my credit report as a foreclosure. Wells FargoXXXX XXXX engaged in deceptive and predatory lending and loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my credit today, XX/XX/XXXX with Experian and their online tool says they are unable to perform this action based on the information I have given, which is everything they ask for. I then tried to call them directly to perform this action over the phone and all they have available is an automated system that walks me through the same information collection and then tells me that I will need to mail in a request. The online tool also demands that I mail in a request. The information they request to be mailed in is everything a potential criminal would need to assume my identity. The address I must send the information to clearly states that it is going to the credit freeze department of Experian which means that any savvy criminal could intercept this letter and use the included information to assume my identity and wreak havoc on my life. Per the ruling of XX/XX/XXXX I have the right to freeze my credit for free. XXXX and XXXX  make this possible via online and phone. Experian is clearly trying to avoid people freezing their credit and working with consumers by making the credit freeze pathway too onerous/difficult. Their online and phone pathways are nothing more than a gesture to fulfill a government requirement and do not actually provide a safe path for protecting one 's credit and therefore Experian is in violation of the law. Experian should be forced to provide a safe online or phone pathway to freeze one 's credit just as XXXX and XXXX   provide.
Product: Credit reporting or other personal consumer reports

Social Security card and birth certificate was stolen from my car and I was scammed with theses unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage lender, M & T bank accepted XXXX mortgage payments that were transferred from my checking account directly to my mortgage account through online banking. They then returned all three of the payments, claiming that I was too far behind to make the payments. I needed to make a lump sum payment, and put my home in foreclosure, for being XXXX payments behind. Although I still havent received a dime, the bank claims that my money is being returned to me so I had to come up with XXXX payments plus fees at once, without them already returning my other made payments. To add insult to injury I was then told that I had to make the payments at a XXXX XXXX location which charge charged {$22.00} and because the payment was so high. I had to do XXXX transactions so {$45.00} and XXXX XXXX fees on top of making me pay mortgage payments that I already had paid
Product: Debt collection

There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court an d federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal a nd / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Departme nt of Consumer Affairs and this company has not responded as of yet ... the DCA can not e nforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok in our State against our citizens, under the radar.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is not my debt and I have requested validation of this debt through photos of proof. No photos of proof has been provided. This needs to be removed from my credit reports.