23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted the company several times about validating the debt or to remove the debt from my credit reports if they could not validate the debt. They have removed the debt from my other credit reports but not from my XXXX. I have sent numerous letters for them to remove and they have not.
Product: Mortgage

I have been trying to resolve my mortgage situation with Wells Fargo for almost a year. My hardship started when my mother became sick and I had to take care of her. I cared for her until she passed. During this time, I had exhausted all of my resources to comfort her and to keep her with us as long as possible. As I became behind on my mortgage, I reached out to Wells Fargo for assistance. They gave me the runaround. After asking for documents excessively, they denied my review by saying that I made too much money for assistance and they demanded that I pay my past due in full. I neither had the money nor made so much money to do so. 
I applied a second time and again ; they dragged things along, again and again for months. This time, they concluded that I made too little money and could not afford my home. And here I am, months into this even further behind and again demanding the past due in full. 
I applied a third time. This time I had better income. I had rental income that is being generated and I provided all of this information. They once again dragged this out and concluded that I can not afford my home. The excuse they made was that I did not provide documentation for the rental income. Why did they not ask for it? In the past they almost harassed me with constant document requests. I would have provided whatever they wanted. I feel that they did this on purpose. 
After this denial, they allowed me to appeal. So, I took the opportunity. This time, the bank statements were included with the rental deposits highlighted and my payroll highlighted. I also included my lease agreements to further back this up. 
Again they denied me. The lie this time was that I did not provide the documentation to verify my income. This is a lie and I feel that they are trying to take my home from me. How can they ignore such hard evidence? At this time, I am livid and disgusted at the way Wells Fargo has treated me, how they have lied to me and how much they lack in morals. They have affected me mentally and emotionally. I am always on edge and constantly in stress and it is also affecting my health. 
I want to apply again because this home is all I have. I am reaching out for help. I want Wells Fargo to stop harassing me and to allow me to resume making my mortgage payments. I want them to acknowledge the documentation provided and to stop this charade so I can move forward.
Product: Mortgage

I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Product: Debt collection

This company had been taking money out of a joint account I had. I noticed back in XX/XX/XXXX that payments were being taking out. Finally I re searched who the call company was and it was loan me which they had taken out about 3500 dollars in money out of my account stating that a XXXX dollar loan had been taken out under my name. I then explained to them that I had no knowledge of such loan they neeeded to send me information in regards to whom took this loan out. I requested this information about 3-4 times but they never mailed nor emailed the information to me. On XX/XX/XXXX I received a call from a collection agency Apple recovery stating they were attempting to collect a debt from Loan me in the amount of XXXX. I proceeded to explain to the gentleman the situation and he put me on hold and stated that they are willing to settle for XXXX so that it can clear my credit and I then can file a civil case against them. I explained to him I wasnt going to pay anything until they provided me with proof of the loan as requested in the past. He then became aggressive and stated I was throwing a temper tantrum and they will start a legal action against me .... I asked him to elaborate on what he meant legal action and he replied Im gon na only ask you one last time how much can you pay today? If cant answer that. We will have to proceed with further action. I am not sure what he meant. I extremely worried about this and would like a resolution. Could someone call me for help in regards to this matter.
Product: Credit reporting or other personal consumer reports

look i cant find the house anywhere such the apprasial district i bought and paid cash for no mortgage but i can't get my irs taxes done because of my sister she wont tell me anything and the courts keep sending me what i already have. everything such as on the internet say that my property title someone might have a part of it .also there's is a women that works and leave somewhere by me with at leased the frist and last name are the same as mine i don't no about the middle name but my bank the irs are saying or asking do i need to change my name like i got a divorce and no i haven't because i've not been married in over XXXX  years where there's a marriage certificate also credit krama said that my address wasn't the one associated with my line of credit or name. this house isn't part of a trust i dont no which is because my sister took the will to probate and i cant get any information its like my sister is even trying to act like i either don't exist or is part of all this problem ive got alot of complaint on alot of companies because either they thougth i was XXXX or they listen to someone else is the way it seem but i raelly beleave that this other person is trying to take out a line of credit or a mortgage on my home that is paid off.
Product: Debt collection

I filed several complaints against American Express for a business credit card that they tried for years to pass as a personal credit card. I received in the mail today, XX/XX/2021 the attached letter from American Express that appears to confuse the reasons for the original complaint where American Express letter implies that I claim a third party committed fraud against me when i never made such allegations in any of my complaints. 

what I have alleged is that American Express collection employees are the ones who have committed fraud by passing a business credit card account as if it was a personal credit card account because they could not recover the payment against the business after the business closed down. 

it is the dishonesty and unlawful conduct of the American Express employees that need to be addressed and should be questioned and fired for knowingly committing fraud by claiming a business credit card issued under a business name and tax ID number made the leap to somehow be a personal credit card. 

i have attached proof that this account is a business account issued to a corporation using an account statement from American Express that shows the account owner was a business and the card was a business XXXX XXXX.
Product: Credit card or prepaid card

An account has been opened in my name by a credit card company by the name of XXXX / ATLS / FORTIVA with a limit of {$3000.00}. It currently has a balance of {$100.00} and was opened on XX/XX/2021. I never applied for this credit card and I most definitely have not purchased anything with it as I don't even have a card in my possession. I would like this account closed and I would like it removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$580.00}.
Product: Debt collection

After reviewing the credit report noticed Collections Management continues to report an unfamiliar debt to my credit report. Multiple attempts made to discuss and request verification. With the negative reporting, credit continues to be compromised and lost of creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX/XXXX  Potentially negative Date openedXXXX Balance {$1.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$470.00} StatusCollection account. {$470.00} past due as of XX/XX/XXXX. 
CHILD SUPPORT ENFORCEMENT Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Experian, Due to the recent CFPB lawsuit filed against Experian in. XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. 
Which I ask that you provide to me in exact detail via mail and not through your online portal.
Product: Debt collection

Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
Product: Credit card or prepaid card

Seems things started in XXXX when I made a payment the very next day they charged me an interest payment which if I read the credit card act of XXXX correctly, they are not allowed to double bill. This is been continuing ever since I tried to make my payments on time and within a day or two I would get hit with another charge an interest payment which now my bill has late fees, overdraft fees because Im over my limit so I get a fee for that they have literally made it impossible for me to continue to make my payments. TD Bank has gotten away with a lot of things in the past Ive had complaints against TD Bank in the past with the bureau, this should not be allowed to continue and should be addressed. Meanwhile, my XXXX XXXX my credit score has suffered. My credit rating is in the toilet. I got sick and could not make my payments. I asked them for help. They basically told me theres nothing they can do TD Bank is the absolute most crooked credit card company Ive ever come across, I was literally XXXX in XXXX XXXX, begging them for help back around XXXX and they could care less no deals no plan no help no nothing from them
Product: Credit reporting or other personal consumer reports

I am writing to formerly dispute and request the removal of unauthorized hard inquires on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquires and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. $ 1681b ( PERMISSIBLE PURPOSE ). 

DETAILS OF INQUIRIES LISTED BELOW : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I believe that the inquiries made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C $ 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. However, they proceeded to make multiple hard inquires on my credit report 15 U.S.C. $ 1681bof the FCRA explicitly defines permissible purposes for accessing consumer credit reports. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organization in questioned did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Debt collection

I had requested validation of this debt including a signed agreement between me and this company multiple times and they are in violation of my rights by not providing the requested information.
Product: Credit reporting or other personal consumer reports

I received an online notification from Experian dated and generated on or about XX/XX/year>, with the report number XXXX regarding the reinvestigation of the following accounts below were validated, and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  updated to what? NO ONE INCLUDING MYSELF IS ASKING FOR AN ACCOUNT TO BE UPDATED, I AM ASKING FOR VALIDATION, PROPER OWNERSHIP
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> and XX/XX/year> I called to let them know that there are errors in my personal info and that there are names that are not mine reporting on my credit report.

During both calls, I was informed that these name would be deleted within 24 to 48 hours.

Upon checking my report today. Those Ames are still reporting on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax and XXXX are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info 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 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : US DIST CT - XXXX - XXXX - {$00.00} US BKPT CT XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX - XXXX - XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$56.00} XXXX XXXX  - XXXX - XXXX - {$3900.00} Inquiries : XXXX XXXX - XX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$33.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
According to the CARES Act, accounts in forbearance or deferment should not be reported as delinquent or charged off if they were current prior to the forbearance period. However, I noticed that my account has been reported as Charged off as a Loss [ late, delinquent, etc. ] during the forbearance period, which is inconsistent with the protections provided under the CARES Act. The amount stated owed has already been written off as a Loss from the original creditor and no longer holds this debt. 

I kindly request that you correct the reporting of this account to reflect the proper status during the forbearance period and update my credit report accordingly. This correction should reflect that my account was in good standing and no negative reporting should have occurred during the deferral or forbearance period and be removed from my report as no balance due.
Product: Debt collection

5 years ago, I purchased a XXXX ridgeline with XXXX XXXX the loan was with XXXX XXXX acceptance for {$11000.00}. I've been making payments on the vehicle for about XXXX and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called Jefferson Capital Systems LLC saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion received the certified letter that I mailed with return receipt advising the bureau to provide to me per FCRA 623 ( a ) ( 5 ) if  they are unable to validate with the Original Creditor then the information MUST BE removed. On XX/XX/XXXX XXXX transferred me to supervisor XXXX regarding the response letter that I received from TransUnion stating they already verified and won't re verify. I advised XXXX that I did not ask for a verification but rather them to furnish who they spoke with at the United States Bankruptcy Courts of XXXX Missouri. She never provided that information.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Account Number XXXX
Product: Mortgage

I was noticed by BSI Finanical in  XXXX , TX that I was late in my mortgage payments in  XXXX   XXXX .  BSI Financial h as informed me that my loan servicing was transferred to them by my mortgage company,  XXXX  in  XXXX   XXXX . I did not receive any mortgage servicing disclosure from  XXXX  informing me of the change and all of my payments was sent to them as instructed since the purchase of my home in  XXXX   XXXX . My payments ( {$1800.00} monthly, and sometimes {$920.00} bi-weekly as part of the payment reduction pla n ) wer e sent from my bank,  XXXX   XXXX   XXXX  and in  XXXX  were being returned to me by the sender,  XXXX . Since I was unaware of the loan servicing changes and my payments were being held and then returned by  XXXX  in  XXXX   XXXX , BSI Finanical has noted my mortgage as late and notified the credit bureau for not receiving my mortgage payments and assessed a late fee. After being notifie d by BSI Finanical i n  XXXX   XXXX  that my payments were late, I contacted my bank to cancel any additional checks that were not cashed by  XXXX  on  XXXX   XXXX ,  XXXX  so that I can submit my payments t o BSI Financial. B SI nor  XXXX  has not sent me any documentation informing me of the changes. I had expressed my concerns with  XXXX  and BSI FInancial.  XXXX  had informed me that an account statement would be sent me because BSI Financial only have my records from the date of transfer  XXXX   XXXX . I had not received any account statement from  XXXX .
Product: Debt collection

I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.