23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I acquired an FHA mortgage in XX/XX/XXXX for the purchase of my first home. It was arpprox {$130000.00} The mortgage has since changed hands twice. My current servicer, Freedom Mortgage, refinanced it at a better rate, but added a nearly {$11000.00} balloon payment to the back end, so I now owe {$140000.00} -- - more than {$10000.00} of my original mortgage in XXXX! I did not take any money out for the refinance. I had fallen behind in payments, but also paid most of that back during XXXX when XXXX XXXX had my loan, just before Freedom Mortgage took over. This seems very wrong, I don't understand. Please review the transfer from XXXX to Freedom and the refinance to make certain all amounts are correct. Also, please explain the balloon payment that has been tacked on.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appea on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX personal credit account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( private ), an Installment Loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

ACCOUNT RCVY SERVICE  XXXX  ACCOUNT RCVY SERVICE Address :  XXXX   XXXX   XXXX   XXXX , AZ  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is  XXXX  and never authorized those   XXXX   prescribed by a Doctor.
Product: Checking or savings account

I was charged overdraft fees totaling almost a XXXX ( {$1000.00} ) dollars
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the following information with Equifax, XXXX, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

Equifax 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Product: Prepaid card

I was given a {$50.00} Citi Prepaid gift card that did not work. I reordered it and never got a replacement. I then reordered it again, someone fraudulently obtained it and spent all the funds. Citi sent me a fraud form, told me to fill it out and send it back. I called today as I never heard anything and they stated that the can not process a fraud claim on a prepaid card and apologized for the misinformation. They never notified me of their intention to not process the claim.
Product: Checking or savings account

I opened an Everyday checking account with Wells Fargo in XX/XX/2020 and have used this to receive regular paychecks. And on XX/XX/XXXX, the account was closed without my notice and cause my next paycheck not deposited in my account and my life is dependent on the money. This is great trouble to my life and I was so frustrated about this. This is shameful act! Also I was going to receive the bonus of {$400.00} which I already satisfied the requirement but I couldn't receive it because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

Upon checking my credit report, I noticed an account by the name of rise reporting to trans union concerning me. I called and spoke with a trans union agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to Trans Union and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
Product: Credit card

I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX OF MO # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, that are 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 any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Product: Mortgage

Pursuant to 15 U.S. Code 1692i ( b ) - Legal actions by debt collectors ; ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. They are attempting to violate my constitutionally guaranteed rights by depriving me of my property. My property is exempt by law from dispossession or disablement. As one of the People ( as seen in the Texas Bill of Rights Article 1 Section 2 Texas Constitution ) I have a right to be secure in my person, houses, papers and possessions from all unreasonable seizures or searches ( Article 1 Section 9 Texas Constitution/ Bill of rights ) No citizen of this State shall be deprived of life, liberty, property, privileges or immunities, or in any manner disfranchised, except by the due course of the law of the land. ( Article 1 Section 19 Texas Constitution/ Bill of rights ) To guard against transgressions of the high powers herein delegated, we declare that every thing in this " Bill of Rights '' is excepted out of the general powers of government, and shall forever remain inviolate, and all laws contrary thereto, or to the following provisions, shall be void. ( Article 1 Section 29 Texas Constitution/ Bill of rights ). Whatever statute or code NATIONSTAR is attempting to use to deprive me of my right to property is repugnant to the constitution and void.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inaccurate information on my credit report. Can you please investigate and delete these fraudulent items please. 
Thank you
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Ditech XXXX Shellpoint XXXX To Whom It May Concern : Your assistance in resolving the following matter is needed, Our mortgage was serviced by Ditech until XXXX of XXXX. All payments were properly recorded and the account status was current. 

Ditech went into bankruptcy and was bought by New Rez ( dba ) Shellpoint. This is where the nightmare began. Neither Ditech nor Shellpoint sent any notification that the loan had been sold. I found the information by going to the Ditech website to make a payment XX/XX/XXXX. I then searched for the information on how to pay Shellpoint. 
Our account has been protected by bankruptcy which we filed in XXXX. All post petition payments were made directly to the Ditech website. However Shellpoint said they would not allow payments to be made directly on their site due to bankruptcy. I therefore made the first payment by debit, on the phone with Shellpoint on XX/XX/XXXX. All subsequent payments have been made via bill pay from my XXXX XXXX checking account. We completed our final bankruptcy payment on XX/XX/XXXX and the court sent out a document of final cure for which New Rez 's legal representation responded that the account was current with no arrearage. Immediately after final payment ( XXXX ) Shellpoint began calling claiming our account was two payments past due. This is incorrect and we have documents to support. I attempted to communicate with Shellpoint on multiple occasions but they refused to either acknowledge receipt of documents sent to them or correct the matter. 

I reported this activity to our Bankruptcy attorney who notified the court. 

While the matter has been corrected by Shellpoint as the court directed, this poor accounting and perhaps egregious attempt to create foreclosure circumstances has created great stress and anguish for us. We were repeated harassed by collection calls and erroneously reported as late to credit bureaus. Additionally, I suspect there have been errors in applying escrow payments as Ditech showed a positive balance and Shellpoint shows a negative. I therefore am seeking your assistance in getting this matter corrected and that all information is provided in written format. That all credit agencies are notified, and any fees, or charges related to this matter are refunded along with any penalties or fines applicable are assessed. 

Urgency in resolving this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX XXXX my report. Equifax and XXXX said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX XXXX . They did not delete the accounts under the XXXX XXXX XXXX XXXX and Equifax prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX XXXX now the accounts are listed twice. I have disputed this with Equifax adn XXXX twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to my report.
Product: Credit reporting or other personal consumer reports

Iq international data reporting inaccurate information. According to fair credit reporting act. Fcra section 605B. It is illegal to report illegal information on credit report without my permission. Please remove this item off my credit reporting
Product: Payday loan, title loan, or personal loan

My first loan with XXXX XXXX XXXX was in 2008 out of XXXX XXXX XXXXXXXX XXXX, Wa. The establishment forced me to record my bank account information incase the allotment ( funds taken directly from my check ) ever failed. I am understanding that if XXXX XXXX loans did the same thing and had to pay, why shouldn't XXXX XXXX XXXX have too. Also, XXXX sold all of our loans to XXXX. What is next in the process.
Product: Debt collection

Contacting me several times in a row after being sent to voicemail each time. When I am working, I can not answer my phone.
Product: Debt collection

This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I was just told that I didn't receive the job at XXXX XXXX XXXX  XXXX because of an Aggravated Assault from XXXX. I gave consent for XXXX XXXX to do a background check for either 7 or 10yrs. Criminal record from XXXX  and XXXX  was released to XXXX XXXX XXXX  XXXX and therefore I didn't get hired.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX and Capital One two times about this incorrect information being reported on my credit report. XXXX and XXXX has violated my rights and caused damages to my credit report and score. I called and spoke with XXXX via phone and was told they would fix the issue and still havent fixed the issue. Capital One Neiman Marcus is reporting the same account twice on my credit report. They are not allowed to report both accounts and due to this inaccurate information I wont both accounts completely removed from my credit report if not I will file a lawsuit against XXXX and Capital One. This is a violation and you all know it is. You all can not report inaccurate information to a consumer credit report. If both accounts are not removed due to violation I will file a lawsuit against XXXX.
Product: Credit card

On XX/XX/year>, British Airways fraudulently stated that I had not paid for baggage for XXXX XXXX XXXX from XXXX XXXX to XXXX Oregon. ( However, all baggage fees ( US {$280.00} ) were prepaid XX/XX/year>. ) British Airways charged {$150.00} ( XXXX ) on XX/XX/year>. 

Response to complaint to credit card company ( Chase - XXXX Master Card ) for British Airways fraudulently obtaining payment resulted in a letter titled We resolved your dispute. Chase did not resolve the dispute. Letter is misleading. Chase permitted British Airways to fraudulently obtain {$150.00} ( XXXX ) on XX/XX/year> from me for baggage fees that were paid on XX/XX/year>.