23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.
Product: Credit reporting or other personal consumer reports

My personal information was shared with a third party without my authorization and exposed during a data breach. 

XXXX XXXX XXXX XXXX XXXX  The following was exposed to a third party such as Transunion, Equifax, and Experian
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX  XXXX  # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX v. XXXX XXXX 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.
Product: Mortgage

I was having some trouble paying my mortgage about a year ago due to XXXX, medical bills due to my home being sold to me with roof leaks and mold and the subsequent allergic reactions that my wife, my son and myself had been experiencing since we moved in. Our debt to income ration was very high when we were miraculously approved for the Va home loan. We then entered the COVID forbearance program for as long as guild mortgage would allow. There was no warning or notice that the entire XXXX would be due as a lump sum payment at the conclusion of the forbearance program. I was in shock and called and asked if I could put that amount on the end of my loan and I was told no. The only option guild was giving me was to short sell my home or go into foreclosure and lose it. They asked about changing my payments or a continued forbearance, all were denied. When I tried to make a partial payment it was also denied. Then guild stopped responding entirely to the point where not only could I not make any payment whatsoever but I was unable to communicate to possibly negotiate with guild regarding the impending foreclosure. My calls were never answered and sometimes would go straight to a message and no one ever called me. Its almost like I was blocked. I was then forced to find other means of saving my home when I was thankfully able to get approved with the Homeowners Assistance Fund for a XXXX percent loan for the amount of just over XXXX. This was contingent on me living in my home for the next 5 years and I would have no payments to repay the HAF loan during that time. They saved my home and even they had problems communicating with guild mortgage. It was not until I was almost finished with the HAF loan approval that guild mentioned loan modification amongst other options. So now I have a stand alone 2nd mortgage for over XXXX to pay off if I ever wanted to move or sell and its due to the direct refusal of guild mortgage to follow foreclosure protocols and offer the options that were readily available with them in accordance with federal mortgage relief guidelines. They also still will not tell me who my lender is or put me in contact with them. They set me up to fail and then tried to make me lose my home and if not for the HAF loan they would have succeeded. In XXXX of this year the HAF fund payed for the past due balance and all the fees and an additional 6 months of my mortgage to which I have made all my payments on time. I feel like I was setup for failure by my mortgage company but when I spoke with guild last week about my debt to income ration upon purchase they said they were following VA guidelines when the VA does not set the terms of the loan. They just back the veteran buying the home. I feel I was targeted and setup to fail from day 1 from guild. I can never get straight answer from them about anything and I get mixed information all the time and never any actual help from guild.
Product: Credit card

I opened a dispute over 5 transactions from XXXX, XXXX. The five transactions were for {$91.00} each through XXXX. 

I tried making one, singular, purchase from a website that clearly is fraudulent as I never received the item. I authorized to make this one purchase through XXXX, but as I said I never received the item. 

The website I purchased from ( XXXX ) used my information to charge my credit card four extra times, totaling 5x charges of {$91.00}. 

I called my Barclays Old Navy Credit card and reported the fraudulent activity as it was visible I was scammed. 

XXXX XXXX closed my investigation in XX/XX/XXXX and said that because I authorized one XXXX payment, this was not considered fraud and should have been entered as a dispute. 

I was never told or was assisted to have my issue be reported differently at the time I called in XXXX. The original assistant I spoke with took my complaint and entered it however she did, and then that investigation was denied. 


I then called back each week in XX/XX/XXXX and asked for them to properly dispute the charges the correct way and was denied the option to have my dispute opened up again because it was entered incorrectly. 

It is not my fault the credit card company was unable to investigate the transactions properly. 

The charges were not resolved after I have explained over and over what the situation is with the five charges. I did NOT provide and consent or authorize my card to be charged five times. I only attempted to make one purchase and I never received the item. The website used my information to obtain more money. 

I do not feel liable to pay all of these charges especially when not even a single item was received. I dont know how else to explain this for anyone to understand and I am out almost {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from ProCollect that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report ProCollect XXXX XXXX XXXX {$720.00} 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since XXXX od 2022.
Product: Debt collection

I do not have a signed contract nor any contract with Ability Recovery Services , LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Ability Recovery Services , LLC. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed is not removed from my credit report within 10 days.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA XXXX  Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted XXXX  identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give them written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681.

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 : Is where it 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.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft
Product: Debt collection

Attorney is threatening to garnish my wages for an unsecured debt thats 10+ years old and that I dont believe I owe. I have tried calling the attorney but they havent responded. I prefer that they work through my attorney.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX continues to show as my loan servicer for one credit bureau, despite all loans transferring to XXXX XXXX. Therefore, when my credit report was run, it shows me having double loans : the same loans by XXXX and XXXX XXXX.
Product: Consumer Loan

I never signed up for a Paypal loan. I did n't give paypal permission to start an account with a {$750.00} credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has put on and removed this account from my credit report on multiple occasions after being confronted with evidence the original creditor continued to bill after policy was canceled because car was transferred to another owner that got another policy of her own with another insurance agency. In fact I was owed a prepaid balance! I will provide this again and would like information on how I can seek damages for years of aggravation and adverse affects of inaccurate information on my report.
Product: Debt collection

Atlantic Credit and Finance has called repeatedly from a blocked number ( No Caller ID ) without leaving messages. They have called and spoken with my family members multiple times, though it is illegal to call more than once. They are harassing myself and my family members and to date I have received nothing in the mail alerting me to this debt collection. They call multiple times a day, mostly during the work day when calls can not be answered, with No Caller ID and leave no message with contact information to return the call. I only know it is them because my brother was able to answer the call from No Caller ID and they immediately told him who they were with ( eluding to the my owing of the alleged debt ). The first time they called, he asked them not to call again, but they did. To date, I am not even sure what the original debt is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau in regards to the account status and history as the bureau reports the account late and past due the bureau said they investigated and the information is correct refusing to revisit the item ... .the credit bureau is incorrect I have attached a letter from the creditor which confirms the account is in fact current Account Name XXXX XXXX XXXX Account number XXXX Please see attached proof and update file accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

m 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 XXXX XXXX  None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

This is a second claim already taken from a previous act. Never opened and account with them. Stating that I had opened an account around XXXX of last year. Shows payments of {$150.00} on my credit report, yet never had those payments taken out of my bank account. All my other loans and payments are shown to be due on time. Yet, this company pops up on my report as over due, simply while not having any proof of past payments.