23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX XXXX  sold my mortgage to Fay Servicing XXXX Fay Servicing is saying that they took over the loan in XXXX XXXX. XXXX payment was sent to XXXX as the letter clear states. Fay Servicing put me in illegal default for this payment which they say is owed to them. This prevented me from making XXXX payment which was not taken out of my account as scheduled. I sent the XXXX payment certified mail and XXXX payment which was sent back to me. Fay servicing initiated a pre foreclosure process and had someone verify occupancy before I even had a active account number with them. I did not even receive my account number until after a default letter was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans.
Product: Checking or savings account

I submitted a fraud claim for XXXX charges on my account, ending in XXXX, connected to debit card ending in XXXX. They declined the initial request, and my checking account XXXX is now negative {$1700.00} dollars. Im requesting they reinvestigate and approve my claim, reverse adjustments made to the account, and apologize for the inconvenience as well as deposit {$1000.00} dollars for my inconvenience.
Product: Credit reporting or other personal consumer reports

There is negative information that is adversely affecting opportunities for me. Accounts that have been closed and still on there, accounts showing delinquent /late but it has been paid up. The whole credit system needs to be done away with.
Product: Mortgage

Wells Fargo Home Mortgage ( WFHM ) originated the mortgage on my primary residence in XX/XX/XXXX which it sold to XXXX XXXX without any informing me, which is the current note holder. WFHM only services the loan now. Several requests for loan modification to WFHM have been denied since XX/XX/XXXX. I had to file Ch XXXX bankruptcy in XX/XX/XXXX to prevent foreclosure and made another request for loan modification which was also denied. This forced me to convert to Ch XXXX bankruptcy in XX/XX/XXXX. Finally on XX/XX/XXXX, I received a discharge, which included discharge of the mortgage debt. To satisfy the mortgage, I have initiated a short sale process by submitting an offer to WFHM on XX/XX/XXXX. 

Simultaneously, on XX/XX/XXXX, the law firm, XXXX XXXX, representing WFHM & XXXX has sent me a Notice of Foreclosure sale scheduling an auction sale on XX/XX/XXXX. This notice was received by me on XX/XX/XXXX. This is absolutely inappropriate when I have made a short sale offer to WFHM. My lawyer is in contact with the law firm to stop foreclosure so that the short sale process can proceed. 

I have contacted my Home Preservation specialist at WFHM today regarding this issue. She has assured me that this issue has been forwarded to the appropriate Liquidation department which will address it in the next few days and get back to me. But in the meantime, I have decided to file this complaint to make sure that the foreclosure is cancelled and my short sale offer approval process moves forward without any further delay.
Product: Debt collection

Tried numerous amount of times that I disputed on XXXX XXXX and XXXX that Midland debt company that says I still owe on XXXX XXXX credit card. I have proof from XXXX XXXX XXXX that I mailed to dispute center for midland. I have bank statement too. I have a second copy that debt was paid in full yet midland says otherwise but yet has not done anything more to tell me what else to do or besides the debt I already paid and dont owe anymore and has yet to give me information besides send to dispute center mail. Which I did. I havent even received calls from Midland anymore trying to collect either.
Product: Debt collection

This company claims I owe them the amount of {$4000.00}. I have NEVER signed any contracts or had any communications with this company. This is all invalid and inaccurate and most importantly FALSE information. This is also illegally being reported on my consumer report which is causing damage to my consumer report and causing immense stress, depression, XXXX, and damage to my family and I. These inaccurate FALSE accounts on my consumer report is violating my consumer rights. As a consumer I have the Right to Privacy and I have the right to receive validation of this FALSE debt that is reporting on my consumer report. I DO NOT owe anything or have not signed any contracts and/or agreements with the company of Calvary Portfolio Services . I have consistently and constantly reached out to this company requesting Debt Validation, as well as demanding all inaccurate and FALSE information is removed from my consumer report however I have not received any remedy. My next step is involving the Attorney General as well as legal action.
Product: Debt collection

XXXX sent the account to Afni and they NEVER contacted me to inform they hold the debt, They never tried to give me an opportunity to settle. I ended up calling and tried to settle. 

This account is in complete dispute and can be resolved. When I switched to XXXX from the previous carrier I was mislead and out right lied to by the store rep. I later learned that the initial store rep was discharged for similarly misleading switching customers. We were not informed many financial necessities that should have been properly disclosed. Instead we were told that XXXX would take care of some charges. 

I made an offer for a settlement, and they refused.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Checking or savings account

XXXX up XXXX is holding funds that are in my account for 90 days. They 90 days has passed. They sent an email saying my funds would be realized within XXXX business days of XX/XX/2023. It is now XX/XX/2023 and I have yet to receive the {$3000.00} in my account. I would like my funds to be released to the bank account on file.
Product: Credit reporting or other personal consumer reports

I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the XXXX  of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any ev
idence. 15 USC 1681.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.
Product: Checking or savings account

We received a letter from Citizens Bank stating that two accounts ( which we did not open ) were being closed and we should immediately stop writing checks against these accounts. When we called Citizens, someone had opened up a checking and savings account in my name, using my address and ss #.
Product: Credit card or prepaid card

Capital One was sent a cease and desist with a list of specified remedies that is not being honored. I have confirmed they received my notice on XX/XX/2021 and I have received another statement demanding I pay for an alleged debt that does not belong to me. It has been well over 30 days and I still have not received the requested audit trail of the alleged debt. This is a direct violation of my federally protected rights.
Product: Credit reporting

XXXX XXXX has an address listed under my personal information that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On friday, XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ran my credit report in excess of XXXX dozen times and drove my score down more than XXXX points. Then tried to sell me A car that's worth at most XXXX XXXX dollars for XXXX XXXX dollars Knowing that would be my only option now that my score was incredibly low
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

XXXX XXXX XXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!!

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

To Whom it May Concern : This is a complaint against XXXX and their debt collecting agency Afni. 

On XX/XX/XXXX my family switched from XXXX to XXXX by going to the XXXX store in XXXX XXXX, CA. I got a new phone from XXXX as well. My family stayed 2 days on XXXX and realizing that this company doesn't work for us, we switched back to XX/XX/XXXX. I returned the phone and canceled my service. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that Afni on behalf of XXXX is collecting " my debt '' ( {$510.00} ) for the phone that supposedly I never returned. The letter also stated that in case I don't dispute it in 30 days from the date of the notice, it will negatively impact my credit. 

I called Afni and was instructed to email them the proof that the phone was returned. The only proof I had was a statement from my bank which showed a refund for XXXX equipment on XX/XX/XXXX. I emailed this proof on XX/XX/XXXX. I received no reply. On XX/XX/XXXX I called Afni and the representative told me that my email was not received. We double checked to make sure the email address was correct and it was. I resent the email with the bank account proof on XX/XX/XXXX. Still no reply. Today is XX/XX/XXXX - in two days thirty days from the initial date of the notice will expire and Afni will contact credit agency to lower my credit. 

So here is the question : In your practice, how many times do emails get lost? And if they do, don't you receive a notification that the email was not delivered? Afni doesn't want to believe that I returned the phone, treating me as a thief from the start. At the same time, they can't find 3 of my emails with my bank account proof demonstrating that the phone was returned. If things so easily get lost in XX/XX/XXXX/Afni world, could the same thing happen to the phone that I returned?
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft and whoever stole my identity opened credit cards in my name .I attached supporting documents of the fraudulent account that was opened in my name. 

XXXX opened XXXX amount {$2500.00} ( fraud account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. These inaccurate items must immediately removed : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I closed on the sale of my house on XXXX. The law firm XXXX XXXX XXXX who represented the buyers wired the funds of {$360000.00} to my account information provided by XXXX XXXX. The wire was initiated on XXXX and have not gone to my account. From what the law firm is telling me the funds are being held for compliance at Citi Bank. Citi Bank has not released the funds and the law firm and I are stuck in limbo with Citi holding the funds, and not responding. It has been over three weeks and I still have not received the funds for the sake of my house. 

Any help would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Recd a PayPal credit card statement via certified mail. I dont have a PayPal credit card and the statement has very odd charges listed.
Product: Credit reporting

To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine 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 Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Carrington Mortgage in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XX/XX/XXXX. I was having health issues and was hospitalized and had no one to help with my expenses. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 17 years. This one late payment is causing me extreme hardship. I am hoping that Carrington Mortgage can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment. I have really enjoyed doing business with Carrington and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Carrington Mortgage. Thank you for your time.