23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX Round Point mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by XXXX bank. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and XXXX didn't have our mailing address po box on file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/2017 XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Attn : XXXX XXXX XXXX Original Creditors : XXXX XXXX XXXX  Collection account. {$1000.00} past due as of XX/XX/year> I am writing in response to your correspondence to claims that the debt referenced above has been validated. Your validation failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), as it did not provide sufficient evidence of the debts validity, your legal authority to collect it, or documentation proving my liability. 
Specifically, you have not provided : Proof of a signed agreement between myself and the original creditor, demonstrating that I consented to the terms of the debt. 
A complete purchase agreement ( or assignment/chain of title ) proving your companys legal ownership of this debt. 
Securitization documentation, including : The name of the securitization trust or XXXX  holding this debt. 
The date and terms of the securitization transaction. 
Proof that this debt was included in the securitized pool. 
Documentation showing how ownership rights were transferred to your company. 
Itemized accounting of the debt ( principal, interest, fees, payments ). 
Under the FDCPA and [ Your State Consumer Protection Law ], I demand the following : A copy of the original signed agreement bearing my signature, proving I entered into a contract with the original creditor. 
A copy of the purchase agreement ( or bill of sale ) between the original creditor and your company, including all terms, account numbers, and dates. 
Securitization records ( if applicable ), such as the pooling and servicing agreement, trust documents, and proof of assignment from the securitization trust to your company. 
Complete chain of title tracing ownership from the original creditor to your company. 
Until you provide this information : Cease and desist all collection activities, including calls, letters, credit reporting, or legal threats. 
Do not transfer or sell this debt, as you can not prove ownership or my liability. 
Legal Notice : The FDCPA requires you to provide verification of the debt, including proof of ownership and a signed agreement. Failure to do so voids your authority to collect. 
If you continue collection efforts without validating the debt, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursue legal action for FDCPA violations, including statutory damages of up to {$1000.00} per violation. 
You have 30 days from receipt of this letter to respond with the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data
Product: Credit reporting or other personal consumer reports

" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR
Product: Debt collection

I was moving to another state. so I had to cancel my XXXX membership. I tried to cancel in person, but they could not help me, and told me to call to cancel. I called on the phone, and was told I had to send a written cancellation letter. I did that in XXXX of 2021. I moved to XXXX  to go to college. Now, a year later, my parents are getting collection notifications in the mail from FIRST CREDIT SERVICES, trying to collect on a year of " unpaid dues ''. I have since sent ANOTHER cancellation letter, this time by certified mail. I have tried to call multiple different phone numbers for XXXX XXXX, but no-one answers the phone.
Product: Debt collection

XX/XX/2019 {$1300.00} Natlcrys - XXXX XXXX  XXXX XXXX XXXX Trying to get me to pay something I am not in debt too. They are basically saying I have debt with them. They reported me to collections and now my credit score dropped.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach that exposed my personal information, making it vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries. 
Accounts : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - XXXX XXXX : XXXX - Date Filed : XX/XX/XXXX - Amount : {$0.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Student loan

I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.
Product: Debt collection

Company is trying to collect on debt I do not owe. I never signed up for this services. Please provide a signed contract with my name where this exact service is stated or remove this from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Had a mortgage with LoanDepot a few years ago, which LoanDepot sold to XXXX XXXX in XXXX. This loan was refinanced by XXXX XXXX XXXX, XXXX. 

2. I am in the process of refinancing to 15years Fixed with the current mortgage company, XXXX XXXX. 

3. On XX/XX/XXXX, I received a called from XXXX XXXX Specialist to clarify if I am having another mortgage with LoanDepot because it is reflecting on my credit. Which was absolutely WRONG. 

4.On XX/XX/XXXX, I checked my FICO Score and I found that LoanDepot is truly reflecting on my credit report that I have a loan of ~ {$430000.00} with a monthly payment of {$3200.00} with them. I planned to call then on Monday, XX/XX/XXXX. 

5. On XX/XX/XXXX before I even get time to call them, i received a call from LoanDepot marketer offering me to refinance my loan with them at a lower rate. I was upset! She transferred me to their servicing department. I was put through to LoanDepot staff, XXXX XXXX. 

6. When I explained my case to XXXX, he apologized and put me on a hold which was later cut off. 

7. I called severally but no success. 

8. Please, tis company is ruining my credit. The previous experience with them was horrific in which I never want to have anything to do with them ever. Kindly help!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to Bank of America to XXXX, NJ. I had enough available money on my account to buy bank check ( cashier check ). Upon asking to buy a bank check for XXXX ( that I needed for my attorney for the closing ), I was told by the bank manager named XXXX that he will not serve me. Manager XXXX looked at me and my husband as we are some kind of criminals. Perhaps it was based on our accent. I am XXXX  but I am also US citizen. My husband was trying to deposit cash earlier after we sold our old RV and manager XXXX was rude to him. His demeanor, body language and comments are not what other people in that branch have. He threatened my husband I will report you anyway without explaining what it relates to without asking where money came from or what banks procedures are and why and to whom he will report my husband. He looked at us as we are some kind of criminals or dealing drugs. I had to drive to another branch ( in XXXX, NJ ) where we both requested the same service and received excellent service. Finally, I was able to get my money in a form of bank check for my closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit card with XXXX XXXX Bank on XXXX. Approved over phone with agent for XXXX limit, charged XXXX $ fee to my bank account authorization number XXXX. 2 weeks later card does not come in. I call the company and was told I was declined, I explained situation. Then told company tried to draft XXXX $ fee but was unable to which was again not true. Once provided with authorization number, told fee was drafted properly but account was reviewed again and card denied. Because of this I gave an improper inquiry that the company will not properly send me a letter stating exactly what Happened other then stating I was denied when I applied when I got approved, given limit over live phone with agent abd fee drafted. Now can not get fee removed from transunion as per policy I agreed for premier to pull records and was approved charged fee then denied. Transunion wants me to file with police which police will not take
Product: Bank account or service

I called the number on a letter I received XXXX/XXXX/15 dated XXXX/XXXX/15 confirming my on-line user name and the last XXXX digits of my ATM card number. It wanted me to confirm the information and tell me about the services. I contacted the number on the letter XXXX. Spoke to a XXXX in XXXX XXXX and asked what the letter meant. He stated they do n't send these type of letters out. I also ask him why they closed all the ATMs in XXXX and XXXX states. There are no branches either. I am unable to deposit money directly in my Citibank account. Now, I have to pay money for my another bank account XXXX XXXX or XXXX XXXX to transfer money into the Citibank account for my daughter who lives in XXXX XXXX. This gets costly for a person on Social Security XXXX and my husband is retired on Social Security too. Please tell me why they did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

XXXX. Account name : Bankruptcy # XXXX In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt.

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies. 

Thank you
Product: Credit card or prepaid card

There are a few things, applying payments and fees associated with them not applying my payment. As well, I never received anything telling me my due date so paid the card with Synchrony Bank as I did my other account, for the first of the month. I also have no idea what my interest rate is. 
On XX/XX/XXXX I received a reminder to pay my XXXX account with Synchrony and found that odd as I had done it. I logged in to see there was no payment applied. however, the payment was debited from my checking account. Synchrony applied the payment for XXXX to Care Credit, resulting in 2 payments to Care Credit and none to XXXX. when I contacted them they said they would look into it. I sent them proof yet they still notified me that they could not verify the payment. 
I also complained about not receiving anything telling me what my due date was and that I just made my monthly payments, only to discover they were applying late fees every month except for the first payment - guess I just got lucky. 
However, after I complained, they then lowered my credit limit, and not that it matters as I will be paying off that account and closing it, but it appears retaliatory. This has been going on for over 1 month
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries. I have no knowledge of the inquiries that I found XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires from my credit report. I also filed man Identity theft report FTC Report Number XXXX
Product: Money transfer, virtual currency, or money service

Mobile money application Cashapp is holding my {$500.00} based on a claim that was filed through my XXXX XXXX XXXX account on the date of XX/XX/2020. The claim has been closed on both parties and XXXX XXXX has stated that they released the funds to them on XX/XX/XXXX. CashApp has frozen my account because of this claim and I have tried contacting them to either unfreeze or check if there are {$500.00} pending to be released to me but they have not responded. Both parties banks have confirmed that the money is now in limbo and we would just like that money returned to the original senders account. Also, Cashapp had stated that a refund would take place and it obviously was not.
Product: Checking or savings account

On XX/XX/2020 I attempted two withdrawals from XXXX bank in XXXX XXXX Washington. Neither attempt was successful. I immediately called my bank and disputed the charges. One dispute was resolved, the other was not. The charge in question was for {$400.00}. Basically a {$400.00} withdrawal and a {$3.00} ATM fee. After the dispute was denied I called again and escalated it. It was denied again. I then called a few more times to get the evidence they used to deny my claim and they have not provided me with it. It is my right to see the evidence they used to deny the claim and it seems like they are refusing to give it to me. I have filed a police report and am still attempting to resolve this with my bank ( USAA ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a 3rd party filing this complaint. Its been a long time that the Experian, TransUnion & Equifax been violating my consumer rights by furnishing Fraudulent, Inaccurate and Incomplete accounts on my credit report. At this time I would have to demand the removal of the attached account immediately.
Product: Credit card or prepaid card

Wells Fargo continues to deny that I reported fraud in XXXX, XXXX  when my purse and ID was stolen from a church in XXXX XXXX at a pre XXXX dinner at the church. The ladies went downstairs while I took my dog outside to go to the bathroom. The Church was unlocked, which was located across the street from a questionalbe looking old brick housing building My ID, XXXX  XXXX XXXX, XXXX  Drivers License, XXXX  Birth certificate and Wells Fargo Credit card were obtained by the unknowns that stole my wallet. 
I reported this to their credit card fraud line. It was also report to Wells Fargo Bank in XXXX and also in XXXX, XXXX. 
While living in XXXX, XXXX I was receiving calls from a unknown workman 's Comp Physician 's / Attorney who knows who this individual is that was using my phone number for his/her contact regarding workman 's comp injuries. The call came in from XXXX, XXXX There were numerous calls violating HIPPA laws of these medical professionals/ Law firms. The XXXX Police told me to report the unwanted/ HIPPA calls to the XXXX Police XXXX which I did. Wells Fargo refuses to investigate this report and continues to cover-up this fraudualant activity and expects me to pay for these criminals. 
Calls for XXXX XXXX calls were coming in from a prison. I do not know who these unknowns, nor would I accept calls from prison. I called Wells Fargo and reported these chilling calls. 
Also, when I established an apt XXXX address in XXXX I reported fraud on my credit card and the XXXX Wells Fargo tried to cover it up. I also took the docs of fraud to the Wells Fargo bank and this bank stated. '' They faxed them to the executive offie. 
The fraud continued and other Wells Fargo Branches in XXXX have been shown these documents and try to help, but state it is up to the Executive Office. Denial continues with the Bank. 
The XXXX  XXXX is also aware of the fraud of an individual in XXXX XXXX XXXX using my identity and obtaing PUA benefits from XXXX. Wells Fargo refuses to investigate the XXXX Police legal documents. 
I will not pay for XXXX XXXX Calling Cards for inmates and I will not pay for an unknown individual 's dinner in XXXX XXXX especially when I do not take unknowns out for dinner. 
I can't afford it and plus I was not in XXXX XXXX. The XXXX  XXXX XXXX has documents that I was in XXXX  providing XXXX documents to obatain employment. 
I will provide those documents. XXXX has those documents. 
Wells Fargo denies the truth! Also, purging of my original documents exists in XXXX, XXXX XXXX. Told by 2 Wells Fargo Bank that this individual was fired. 
This needs to be investigated why my bank account docs were purged. 
No, they are still covering up fraud. 
XXXX XXXX