23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Called 2 family members asking for me and wanting information to contact me. 
I called and spoke to a woman named XXXX. She immediately asked my name, social security number and address. Did not state the reason why and could not tell me the amount or name of debtor. Wanted my credit card and bank information to pay a debt that isnt mine. She said she would send me a letter via email of the breakdown of the debt and nothing ever arrived. This company is calling my family and myself and it is harrassment for a debt I do not owe or the company fails to prove it is mine.
Product: Mortgage

Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.
Product: Debt collection

PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF XXXX XXXX ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from The Collection Company back to XXXX XXXX at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because XXXX XXXX will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine XXXX had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling XXXX at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The Title Company have asked LaVrar to mail back a check for {$6600.00} to The Title Company to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay XXXX XXXX the lesser amount owed. 
The response of LaVrar to my complaint ( dated XX/XX/2019 ) reads as follows : " LAVRAR HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO XXXX ''. COMPLAINT ID XXXX QUESTION : Why did LaVrar send the full {$6600.00} to XXXX? Why not send it to The Title Company? Why not brake the monies and pay my Debt to XXXX and The remainder send it to The Title Company? Wasn't it THAT LAVRAR HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
Product: Checking or savings account

I received in the mail on XXXX a debit card and notice to activate the card from M & T Bank. I called the banks XXXX MA XXXX and spoke to the bank manager and someone opened an account with them using my social security number. I did not open the account. 

I put a credit freeze on with all 3 credit bureaus, notified my bank ( XXXX ) and called XXXX MA Police to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a victim of identity theft. The fraudster applied for credit with multiple companies using her personal information resulting in a number of fraud-initiated inquiries reporting to her various credit reports. While many of these inquiries have been removed from her XXXX  and XXXX files, Equifax seemingly refuses to remove the information in spite of multiple disputes sent against these FRAUDULENT inquiries. 

Fraudulent inquiries were initiated through XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. We have submitted disputes against these inquiries to Equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

However, Ms. XXXX 's Equifax credit history obtained on XX/XX/XXXX continues to report these frauduelnt inquiries.
Product: Credit reporting

XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX  Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX & XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX  and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX  has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Product: Debt collection

Hello, I made a purchase from XXXX XXXX XXXX late 2020. I paid {$4500.00} for 3 pieces of equipment, that were never delivered or offered a reason as to why they weren't delivered. 

I purchased this equipment via using Navy Federal Credit Card to purchase cryptocurrency to send to this vendor. 

I filed fraudulent charges with Navy Federal Credit Union explaining what happened. 
I have already filed multiple police reports and a report with CFPB ( Complaint # XXXX ) in regards to XXXX XXXX XXXX XXXX. 

Navy Federal Credit Union determined that I am at fault since the exchange completed the transaction but the vendor did not fulfill his/her order. The vendor will not honor the purchase, return emails or anything. Yet Navy Federal REFUSES to acknowledge that this vendor is a scammer and continues to say that I now need to pay for it, even if this vendor committed vendor fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I on XX/XX/XXXX reached out To Transunion advising that inquires that are unknow to me on my file. I ask them to investigate and provide me with documentation of the full resource of the investigation and forward such information. I have not received written proof and a description of how they conduct the investigation that proves these inquiries should remain on my credit file. I am requesting the immediate removal of these inquiries. I have attached the letter I submitted to Transunion. 

Accordance with the fair credit reporting act convergent account ( s ) XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights 15 USC 1681, SECTION 602A. States I have a right to privacy 15 USC 1681 SECTION 4A SECTION 2 : IT also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022, XXXX XXXX XXXX knowingly, wilfully, with the intent to conceal disputes filed against them for various disputes, many in violation of federal and state law, again, violated my rights to due process when they perjured themselves in their submission OF eighteen ( 18 ) unique and separate FALSIFIED RESPONSES TO 18 separate and unique complaints filed against them.

In addition, their blatant disregard to federal law and to this complaint and several others demands the attention of the Eastern District US Attorney generals office to investigate these charges after signing each complaint that it was true and accurate data they were submitting to the CFPB, a U.S. government website.

This complaint will show they filed 18 submissions, and stated that all 18 complaints were duplicates to one specific complaint which you will see that to be absolutely false.

This is the list of complaint numbers they were deceptive with, the first number is the complaint at hand and the number below it is the referenced complaint that supposedly was a duplicate of the these 18 complaints.

The complaints are not even remotely the same, not the same content, not the same subject matter.

Please forward this to the US Attorney Generals Office for these serial violations and contempt of our state and federal laws. 

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

Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3000.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance In accordance with the fair criedit reporting act XXXX  Account # 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 a account without my written instructions
Product: Mortgage

The company thats causing problems, financial ruin, credit score ruin is Shellpoint Mortgage Servicing.

Im filled with anxiety over this its making me sick. 

In XXXX I was diagnosed with an illness that would require over a year of treatment so my husband and I filed for a forebearance that was approved. My illness lasted longer than that and COVID began so another forebearance was requested and approved. My husband lost his job after this due to COVID and became XXXX, I was still very XXXX  and could not function and the arrangement we made was that he would handle all of our finances. 

Months later something seemed wrong. I could sense it, my husband came home with a new car we should not have been able to afford. 

My health was improving at this time and my functioning was higher, and the first day lace I called was shellpoint. They right away said we were in foreclosure and would be seeking a date to speak with a judge. I was in shock and asked to speak with a manager. I had received no emails nor texts about anything pertaining to this and I was on the mortgage too. The manager confirmed aggressively we were in foreclosure and they were actively attempting to take the house. We were told we had to refinance asap to not lose the house, or pay back over a hundred dollars with 10s of thousands of fees. We refinanced asap and lost our 2 % mortgage rate and went up to 6 percent. This destroyed our finances as our payment went up dramatically. 

I asked for a divorce from my husband. I felt my life was ruined. A year later in XXXX I spoke with a divorce attorney and told her about the mortgage issue as one of the reasons for divorce. She told me it was unlikely we were on divorce and often that company lies to clients to get their money back and there have been incredulous issues with shellpoint. I was shocked. She checked the data base and sure enough no foreclosure. 

I have young children and my health while better is not great and I can not yet return to my former employment. All of this and the mortgage is fraudulently 4 percent higher. 

What my husband did in XXXX was wrong but we WERE NOT in foreclosure and were not given other options, Please help, this is devastating in every way. Further- when I found about this I again requested a forebearance as I wanted to pause the offensive XXXX payment while I did my research. They screwed up my application four times. I sent a written and faxed request for transcripts and received nothing. When I have called Shellpoint they seem uninterested and continue to task me to fix the issue but nothing is ever resolved. Im appalled that a company this derelict, irresponsible and predatory can still exist. I beg you for help. Please. 
Thank you for reading, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Over the past months and years of dealing with Wells Fargo and the consistent mis-handling of applying mortgage on time, I have gone the extra step of pulling funds from XXXX bank ( XXXX XXXX XXXX XXXX and taking it directly to the Wells Fargo branches as to avoid any confusion. Wells Fargo knowing that I have my payment history and receipts and dates, have chosen to apply my direct mortgage payments, not directly to the mortgage. I have even paid payments ahead of schedule ( Twice in a month ) on some occasions. Wells Fargo also does not report my mortgage to the credit bureaus, despite the fact that my attorney at the time ( XXXX Law Firm ), was never sent the reaffirmation paperwork. They insist on placing blame on the firm. Although the firm ( XXXX Law Firm ), does not hold the mortgage loan. It is unsettling to me to have to constantly deal with incompetence, such as XXXX XXXX XXXX XXXX XXXX. This lady consistently interrupts in conversation, combative, passive aggressive, unprofessional and refuses direct requests when made. The role of a executive customer service, is to uphold the requests of mortgage holders. For whatever reason or situation at home, XXXX consistently is unprepared and not fit to adequately deal with mortgage holders, her constant interruptions and screaming into the phone are absolutely annoying and unacceptable and unbecoming of the new direction Wells Fargo is attempting to move in. It is my request to have XXXX XXXX as my point of contact and only XXXX XXXX, she is knowledgeable and knows her job, unlike XXXX, whom is totally unfit to serve in the position she holds. It is for these reasons I herby request XXXX XXXX as my point of contact and also herby demand that they locate every payment I have made to match the ones I have recorded by dates. Additionally I herby request no further contact with XXXX and or her recommend anyone on my behalf, she does not have that type of power and I also request that XXXX be re-trained. This due to the conversation that occurred to on XXXX XXXX, 2016, if you need to hear this conversation. I suggest that you pull the call and if you choose not to pull this call and administer re-training, you are doing Wells Fargo a dis-service and will remain in the C-rating category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XX/XX/2023.