23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. 

In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. 

Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and recently a fraudulent account appeared on my credit report from " XXXX XXXX  ''. I am not familiar with this account and it is not mine. The fraudulent account caused my credit score to drop which is causing me a lot of emotional and financial distress. Please delete this account immediately so my life can go back to normal.
Product: Debt collection

On XX/XX/2017, at XXXX am ( XXXX ) I received a call from someone asking me to provide my attorney 's name because I 've been sued for a debt. I asked who he was calling on behalf of an he stated he was calling from Weinberg Mediation for XXXX. He woke me up from sleep, as it was so early in the morning my time, and I told him that it 's XXXX am, why are you calling. I also said I 've never heard of the company or owe a debt he was speaking of. I asked him not to call me on wireless, and hung up. At XXXX pm ( XXXX ) the same phone number called again XXXX, but I was at work so I did n't answer. The same number called again at XXXX pm ( XXXX ) and left a detailed message with part of my social security number on the voice mail. On my lunch break I called the number back and asked them why they are calling me. I told them I do n't know what account they are talking about and please stop calling my wireless. The agent hung up on me.
Product: Credit card

XXXX XX/XX/year>XXXX  this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my 1099C. I would like to receive my 1099C Cancelation of debt, if the bank can not provide this Cancelation form 1099C within 15 days, the charged off need to be remove from my consumer report.
Product: Mortgage

I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX .  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

EXPERIAN is illegally reporting private account information on their platform about me that has no permission from being shared. EXPERIAN must comply within 4 days by deleting the mentioned accounts from being reported on their platform or they will be mismanaging my security according the the SECURITIES EXCHANGE COMMISSION ( SEC ). These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY WITHIN 4 DAYS OR EXPERIAN WILL BE REPORTING ILLEGAL INFORMATION. I have attached proof from these 4 companies that I have opted out of the sharing of my non public personal information including name, account number, and transaction history from being furnished to you, a non affiliated third party. PLEASE UPDATE the reporting of these accounts promptly or I will submit a TCR complaint with the SEC.
Product: Debt collection

Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R
Product: Credit card

I have attempted to contact Capital One at multiple telephone numbers to obtain debt settlement on multiple occasions both via telephone ( i.e., XXXX XX/XX/2023 and XXXX XX/XX/2023 ) and in writing ( i.e., XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/2023 ). At each contact, I informed Capital One that I am a senior citizen on a limited and fixed Social Security retirement income that is below the poverty level. I offered to pay various amounts ( i.e., {$500.00}, {$700.00}, {$1000.00} ) on my credit card debt but Capital One has refused my offers and has repeatedly stated I did not qualify for debt settlement. I last made a payment of {$100.00} on XXXX XX/XX/2023 when my balance was {$2300.00}. Since I stopped making payments, my credit card balance has increased to {$2500.00} due to interest fees and late charges. I have not used this credit card in years and have been making payment that barely cover interest fees that have probably covered the debt long ago. I can not crawl out from under this debt and do not have the financial resources to pay the debt due to increases in food costs, utilities, etc. I wanted to work with Capital One but they have not assisted me in any way and have suspended my credit card. I await it to go to collections but would like advice and assistance. Thank you.
Product: Credit card

First i applied for american express aa card in XX/XX/2024. Never heard back from them until around XX/XX/2024. The wrote me a letter stating that they denied my app in error and suggested i reapply. My score dropped. Multuple balances on different cards decreaded which made my credit look maxed out. I set up a financial releif program with them which XXXX is drafted on the XXXX of every month. Well this month i had a suspicious payment of XXXX. I have called serveral times. They said they reported fraud but keep transferring me. And im being put on hold. Meanwhile they are still trying to get XXXX out my bank account everyday. I dont even had that much in there and i did not authorize that payment. Note, if i become deluquent in anyway it will kick me out the financial program. I think this company is a fraud.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX Totally & Permanently XXXX XXXX. 

As such, I applied for and was APPROVED for Permanent Discharge of all student loans by the DEPT OF Education ( XXXX ) The servicer, MOHELA is still reporting to all XXXX major credit bureaus that significant balances are owed when they should show PAID IN FULL {$0.00} Owed. 

Have contacted them at least a dozen times and disputed with the major credit bureaus as well and MOHELA still shows the balances as owed. Have sent the PERMANENT DISCHARGE decision letter from the US Department of Education to all the parties to no avail. 

Please help as MOHELA is in violation of the Fair Credit Reporting Act.
Product: Credit card

On Wednesday XX/XX/XXXX between XXXX pm, I went into A bank of America XXXX XXXX XXXX XXXX a problem I was having with my credit card due to financial hardship. 
I met with an advisor to ask about any programs that helped customers in a time of hardship to freeze my credit card account. The XXXX said yes. He said he was putting in my request. I asked if they would be adding finance charges. He said no. He said they had options for 6 months or a year. He said I would receive a call in XXXX days to work that out. The information he gave was very specific and I saw him input the request in my account. Unless he was literally pretending to input information on my account. 
It's XX/XX/year>. My payment is due today and I have not heard from them. I called today I was put on hold and then transferred to the payment department. I told her that the call I was told would be coming had not. She said there was no such program. She didn't know why the XXXX had misled me but there was nothing she could do about it. 
I am trying to settle my problem with a company I have been doing business with responsibly and maintain a business relationship. I have been misled. 
So it seems the only option Bank of America will take is to add to a customer 's hardship, rather than help them.
Product: Debt collection

First I sent a debt validation letter to all these debt XXXX who I'm totally unaware of them and didn't sign are authorized my personal information to be sent to them witch is against the law under 15 usc 1692g.I asked all these debt collectors for a debt assignment and the original contract that I signed from the original creditor.i sent theses letters to XXXX funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX my report two the account are showing open balance and they have been charged off.So I'm asking that these account be removed from my report as they are totally inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy in my credit report that are not mine XXXX has certified that they are mine, and courts dont answer to disputes, there third party also has been reporting to them fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.
Product: Checking or savings account

Capitalone.com has not deposited my payroll check yet. They emailed last night after hours, no other update and it's after XXXX on a Friday and still no money. My auto pays for other bills are bouncing back due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, XXXX, XXXX, and Transunion update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Tried reaching out multiple times to this company no response not even a number to dial. Today I received a tax form and still no number to dial to reach out about this previous bal. I have tried multiple times and cash app has no number or support team that can assist you! Received letter today but printed date is in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there is still account that need to be DELETE. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XX/XX/2022 I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information. 
I also showed proof that this account was previously deleted and I provided the report # associated with this information. 
They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
Product: Debt collection

This was a result of identity theft.I have never live at the address they are attached the debt to. I am requesting National Recovery Services to verify the information they have on file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX . I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Credit reporting or other personal consumer reports

Dear WELLS FARGO BANK, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Collection Agencys : LVNV Funding LLC Charging Amount : {$750.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ).

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with this?
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Experian, XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, XXXX, XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Experian, XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services