23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter ( XX/XX/XXXX ) from XXXX XXXX XXXX on behalf of the Plaintiff Spring Oaks Capital SPV , LLC in regards to a debt they have purchased. 
A few items of discussion are the current balance as stated is {$10000.00} which does not match the amount listed in my credit report which states {$9900.00}.

Also, the date of the last payment made was XX/XX/XXXX which is close to this being Time Barred debt in the state of Delaware.

I understand now there is a court case to sue me that was filed on XX/XX/XXXX so feel like I am being harassed/threatened ( violating the FDCPA ) by both parties mentioned above.

I am also filling a complaint with the Delaware state attorney generals office on my behalf. 
Attachments include : Letter from XXXX XXXXXXXX XXXX Copy of my credit report attesting to the date of last payment and the amount of debt.
Product: Mortgage

My spouse and i had an original home loan with World Savings Loan on or about XX/XX/XXXX, the loan then subsequently transferred to Wachovia Home Loan then to final lender which is Wells Fargo Home Mortgage. The ORIGINAL loan went delinquent sometime in XX/XX/XXXX during the recession. Wells Fargo got our loan transferred to them sometime in XX/XX/XXXX, of which they reported out dated negative information on our credit. The reporting period for a charge off is 7.6 years from the date of first delinquency ( DOFD ). The DOFD is the first date that you became delinquent that led to the charge off, and the account was never brought account current before it was charged off. When it hits the 7 year mark you can dispute it as too old to be reporting. Our understanding of the law is the DATE of FIRST DELINQUENCY should be calculated from the original creditor, ( Wachovia ) not the date of when Wells Fargo got the loan transferred to them in XX/XX/XXXX. Then to add insult to injury Wells Fargo internally wrote off the loan in XX/XX/XXXX over 6 years after the loan was transferred to them, and they also put that information on our credit. Our contention is ( 1 ) they are reporting old information and not reporting from the original credit, thus re aging our credit file, which we believe is against current Credit reporting laws, and ( 2 ) we should not be penalized because Wells Fargo did not write off this loan in a timely manner. 
Any assistance or clarification would be appreciated. 

XXXX & XXXX XXXX
Product: Debt collection

XXXX IS ATTEMPTING TO COLLECT ON AN ALLEGED DEBT THAT WAS AN OBLIGATION OF XXXX TO PAY MONEY ARISING OUT OF A TRANSACTION WHICH THE PROPERTY OR SERVICES WAS USED FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES. 
XXXX HAS VIOLATED MY FEDERALLLY PROTECTED RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT 15 U.S.C. 1692 AND ALSO UNDER REGULATION F OF THE CFPB.. XXXX HAS USED ABUSIVE AND UNFAIR PRACTICE WITH MEANS OF COLLECTING ON AN ALLEGED DEBT. XXXX REPORTED TO MY CONSUMER REPORT WITH EXTORTINATE INTENTIONS OF COERECING AND SWINDLING ME INTO PAYING AN ALLEGED DEBT. XXXX FAILED TO FOLLOW THE CORRECT PROCEDURES BEFORE REPORTING TO THE CREDIT REPORTING AGENCIES.. I CALLED XXXX TODAY AND WAS TOLD BY AN REPRESENTATIVE BY THE NAME OF XXXX, THAT XXXX EMPLOYEE CALLED TWICE TO THE TELEPHONE # XXXX WITH NO ANSWER ON XX/XX/XXXX, AND XX/XX/XXXX OF 2022. I HAVE NO IDEA WHO TELEPHONE NUMBER THAT IS BECAUSE, ITS NOT MINE. I ALSO ASKED HER DID THEY CONTACT ME ANY OTHER TIME VIA MAIL OR ANYTHING AND SHE STATED NO. I ASKED HER FOR THE THE BALANCE AND SHE STATED THAT I HAD TO PAY COLLECTION FEES THAT THE COMPANY XXXX HAS DUE TO THEM HOUSING THE ACCOUNT, WHICH IS IN FACT ILLEGAL. I AM NOW PUTTING THIS COMANY ON NOTICE TO CEASE ALL COMMUNICATIONS FROM ME FROM ALL MEDIUMS. ( INCLUDING MY CONSUMER REPORT ) I AM NOT PAYING YOU FOR THE ALLEGED DEBT. FAILURE TO CEASE COMMUNICATION AND REMOVE MY PERSONAL INFORMATION FROM YOUR COMPANY OFFICE WITHIN 10 DAYS OR I WILL PROCEED WITH LEGAL MATTERS.
Product: Credit reporting

Transunion is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Transunion to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Transunion report.
Product: Mortgage

My mortgage was transferred to RoundPoint on XX/XX/XXXX. However, I was not notified in or provided with the required information to ensure a smooth transition of service. Specifically, Failure to Receive Notice of Servicing Transfer : I did not receive the required 15-day notification from either my previous servicer or RoundPoint, as required by RESPA ( 12 CFR 1024.33 ( b ) ).

Because of this, I was unaware that RoundPoint had taken over servicing of my mortgage until I discovered an unexpected drop in my credit score due to missed payments related to the lack of communication. 

RoundPoint states they sent a welcome letter on XX/XX/XXXX and subsequent letters between then and XXXX. These alleged letters where never received. They also stated they made phone call attempts " but were unable to reach '' me. 

It was not until I received an XXXX  notification of a delinquent account that I was able to determine my mortgage had be sold. I immediately called the company and paid the balance in full ( XXXX and XXXX ) and for the next month ( XXXX ). 

My credit score has been negatively impacted as a direct result of RoundPoints failure to notify me and provide necessary loan account details.
Product: Credit reporting or other personal consumer reports

I had three credit card accounts which were reporting to XXXX, XXXX, and Experian. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by Experian, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( Experian, XXXX, and XXXX ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to Experian, XXXX, and XXXX, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5. 


I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$360.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Secured Loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Ally Financial XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Credit reporting or other personal consumer reports

I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission. On XX/XX/2024 I put a cmplaint in with XXXX. This is my second time reporting this issues. I did file a police report.
Product: Mortgage

My business collapsed in 2013, forcing my wife and I to leave our home and move in with family. My mortgage company, America 's Servicing Company, took possession of the house and changed the locks before they were supposed to ... and before we could remove all of our possessions. We applied for a deed in lieu of foreclosure, XXXX. Our initial paperwork was lost. I contacted you last XXXX ( 2013 ) regarding our situation, and they were fairly quick to respond. Since then, we have had XXXX home preservation specialists, had our home in active foreclosure ( with XXXX auction dates ), and have been told most recently that there were no plans to foreclose and our deed in lieu has been approved. We were told to contact Mississippi Home Corporation to arrange for authorization for ASC to request that they subordinate their lien on the property ( we received money through the Hardest Hit program to try and keep our home ), which we have done, in writing. After receiving a notice that we are now assigned to our latest home preservation specialist ( # XXXX ) just a couple of days ago, we receive a letter from an attorney 's office that we are indeed being foreclosed on ( again ) and being sued for over {$210000.00} on behalf of the primary lienholder. We 've had no other recent communication from ASC regarding our account aside from our monthly statements. I will be writing to the attorney to attempt to postpone the sale ( no date yet ). Please help us if you can.
Product: Debt collection

I had two personal loans through XXXX XXXX that I have paid through automatic deduction on time for the life of the loan. I wanted to pay them both off so on XXXX I sent two checks to them, 1 in the amount of {$7900.00} and the other for {$3200.00}. Shortly after those checks were mailed, I was informed by XXXX XXXX that effective XXXXXXXX SST was going to begin servicing my account. Prior to XXXX I contacted XXXX and told them I was stopping my auto withdrawal as I was paying this off in full and they assured me I would not be charged any late fees or more interest. 
XXXX I phoned SST and they said to put stop pay on the checks. 
XXXX Hoping not to have to stop pay, I emailed SST to check the status of my account and told them I mailed the checks to XXXX and to please look into it as they were substantial amounts. They replied with, Call us. 
XXXX Confirmed the checks were not cashed and I requested they are reissued to SST. 
XXXX Checks reissued and mailed certified to SST. 
XXXX I got a call from SST asking for their money, I told her they were mailed twice. 
She said how do I know you mailed them. 
On XXXX I received a letter from SST stating my checks were returned from the bank, ( yes because I was told to stop pay on them ). 
XXXX received letter stating my accounts were delinquent. 
I pulled up my account information and it shows : XXXX received payment ( this was the payment made XXXX ) XXXX payment reversed ( because I stopped pay ) XXXX payment received ( mailed XXXX ) So now they have the payments, and they are still charging me the interest that incurred during the 2 months it took them to process the payments. I have called and explained this, and they said they will reverse the late fees and interest. However, I continue to get calls, e-mails stating I owe a balance. When the calls come in, I tell them to read the notes before they start asking for money. The do so and apologize and hang up however, no one fixes the issue and I still get calls. They come very late at night and during the day and I want them to all stop. Give me credit for my payments and the interest they allowed to accrue since they were so slow in processing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.
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 Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I called Ditech Home Loans in XXXX about the letters I continue to receive for payment of a property that they say themselves was XXXX in a bankruptcy in XXXX. Also this property recently, XX/XX/XXXX, was Foreclosed on. I told them this fact as well as them telling me they had to keep contacting me about this account. This is a foreclosure now and nobody has a mortgage on the property any longer.

Noone has a mortgage any longer. It did go through bankruptcy and now is a foreclosed piece of property. I would appreciate being left alone by these people. I lost everything because of him.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquire appeared on my credit record that I don't recognize. i have called to resolve and no luck. 
date XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have contact XXXX XXXX XXXX XXXX and the credit bureaus to inform them of inaccurate information being reported to my credit report... I made contact with a Supervisor at XXXX XXXX XXXX XXXX as well and emailed him a copy of what's showing on my credit... he stated that I didn't have a mortgage account or loan and normally a checking account isn't reported to the credit bureaus. I filed bankruptcy in XX/XX/XXXX and it XXXX XX/XX/XXXX... I didn't have an account with XXXX XXXX XXXX XXXX in XXXX... I had a checking acct XXXX XX/XX/XXXX... they're reporting to my credit in XXXX and XXXX of XXXX. I have disputed it with the credit bureaus multiple times and it's still showing up inaccurate.
Product: Mortgage

false information listed on my XXXX credit report, in which shows a debt to income ratio preventing finacing options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  open a credit card in my name through the pandemic with out my knowledge this credit card does not belong to me I have called multiple times and ask them to take this off my credit report they have committed fraud and identity theft afoant me by using my information to open this credit card in my name, I want this card removed from my credit report immediately, I will sue this company for damages and keep these complaints as proof that XXXX XXXX  will not provide evidence to me as I requested they have refused, this XXXX XXXX  needs to be investigated because this card was open when the coronavirus started and this has caused XXXX problems with finding work and has did damage, Im demanding that XXXX XXXX  removed this off my credit report, I have spoke to them on the phone problem is they have sent me to several different departments nobody wants to speak to me about the issue and problem, they hang up on me, all there doing is using my identity to try and keep my information, they have sent things through the mail wanted me knowing I do not stay at that address which it is my girlfriends address not mine shes fixing it file a complaint for harassment because my information was leaked on the web with all my information because other credit cards were open in my name and those credit card companies took me serious I done showed XXXX XXXX  the amount of identity theft that had happen to me and they will not take this serious this is my last straw I will sue this company for actual damages, Im tired of this completely this card was not open
Product: Debt collection

I received a text on my cell phone recently from a company called Unifin claiming that I have an unpaid debt in the amount of {$490.00}. Their reference number regarding this claim is XXXX. I absolutely ( one hundred percent ) dispute this claim! I think that it is either fraudulent or ( to be charitable in the extreme - possibly mistaken ) and I am therefore seeking assistance from the Consumer Financial Protection Bureau to rebut this ( supposed ) unpaid debt. Unifin have not told me to whom I ( supposedly ) owe this amount to. This makes me very suspicious of their motives and methods of operation. Please advise what assistance you can provide in disputing this claim and what you would recommend that I should do next. Thank you and Sincerely - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently found myself entangled in what appears to be an elaborate scam. Despite my persistent efforts to contact the company involved and to settle the dispute with the payment provider PayPal through which I initiated the transfers to the fraudulent entity, I have encountered no help or solutions.

The Scammer approached me online, she created a false identity and pretended to have false romantic intentions towards me to gain and then take advantage of my trust and affection in order to access my cash, bank, and trading account. I have conducted numerous transactions via PayPal with an individual who possessed multiple accounts registered with the PayPal platform. Regrettably, these accounts were utilized as components of a complex fraudul
ent scheme targeting unsuspecting individuals, and I, regrettably, became one of the victims. It was disheartening to learn that such fraudulent activities were transpiring despite PayPal 's reputation as a secure and trustworthy platform. According to PayPal 's terms of service, individuals are strictly authorized to maintain a single personal account. It is explicitly forbidden to have multiple personal accounts registered under the same individual 's name. The creation of multiple personal accounts unmistakably contravenes PayPal 's established policies. This clearly happened in this case. It is important to also acknowledge that PayPal is obligated to conduct ongoing monitoring once an account is verified.

This involves vigilant scrutiny of transactions and activities to identify any suspicious or irregular behavior. PayPal diligently reviews incoming and outgoing payments, employs measures to detect potential fraud patterns, and adheres to applicable regulatory requirements for reporting suspicious activities. Considering the circumstances where funds were being transferred to the same individual but through different accounts, one would expect PayPal to implement enhanced due diligence measures. These additional verifications would have been crucial in understanding the context of these transactions. Regrettably, it seems evident that even fundamental due diligence procedures were not executed by PayPal for these accounts. Therefore, I want to reiterate that these accounts were created as part of an elaborate scam to defraud unsuspecting individuals, and unfortunately, due to the lack of diligence and compliance of PayPal, I became one of the victims. In fact, if only PayPal performed the basic scrutiny that was owed to me as a client, for the sake of my safety, this victimization could have been prevented.
Product: Credit reporting

I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.