23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Experian will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX
Product: Mortgage

I am a XXXX XXXX XXXX  Veteran who began experiencing hardship in XX/XX/2018. I contacted the sub-servicer of my mortgage ; Dovenmuehle Mortgage in XXXX to request assistance. I had missed the XXXX and XXXX payments. 
Since then, I have repeatedly attempted faxed and/or emailed my documents to Dovenmuehle and have been given incorrect information, different people to speak with, and received no help whatsoever. 
What started as 2 missed payments has turned into a default and now a trustee sale because of this. I am consulting with an attorney to file a civil complaint if I can not resolve this. 
I have attached a timeline with dates, names and numbers in support of this complaint. 
XXXX XXXX XXXX XXXX, XXXX is the master servicer of my VA loan
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Debt collection

NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX DEFENDANT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XXXX DEBT COLLECTOR XXXX THEFT STOP VIOLATING THE FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN XXXX XXXX XXXXND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello me and my wife traveled to XXXX XX/XX/XXXX to XX/XX/XXXX. We had purchased return home flights months before we went. At the end of XXXX is when the pandemic hit and the world was shutting down. Our return home flight was canceled, we would purchase another one and it would be canceled again, this happened several times. We finally found a flight on XXXX ( on Wednesday XX/XX/XXXX ) XXXX  had asked for our passport info. while booking these flights. This flight had a connection flight in XXXX, XXXX. When we got to the XXXX airport the next day ( Thursday XX/XX/XXXX ) for our flight, we were told we could not get on a flight to XXXX. XXXX closed its boarders to non-citizens on Monday XX/XX/XXXX. We tried getting help from XXXX  to get a refund or transfer the money to another flight with no help. We tried talking to the airlines directly with no help. We ended up getting a flight home with the help of the airport staff. Once we got home we filed a charge back with the credit card company that we used which was Citi. This was {$1900.00} in flights that we couldn't get on and XXXX was not helping and neither were the airlines. Citi gave us our money back but then took it back 2 months later. We kept the dispute open and spoke with someone about what a scam XXXX  is. There is even a XXXX   group about XXXX that I have looked to for answers, there are over XXXX members. We received a letter from Citi 3 months later saying that due to the time frame they are not able to help us and closed the case even though when we initially filed it was well within the 30 days. XXXX said that refunds could take up to 6 months. It's been well over that. XXXX is a terrible scam company and needs to be shut down. There are 2 issues here and I am asking for a charge-back due to non receipt of goods purchased and/or services. I would like to exercise section 75 of the Consumer Credit Act 1974 and get a charge-back in the amount of {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX, I called XXXX each time it's been someone from a call center stating that someone will call me back. Never received a call back. Bankruptcy does not belong to me and variations of my name and addresses I have never resided. XXXX and XXXX have removed the public record that was inaccurate. XXXX still has not deleted the addresses from my credit report, I'm requesting help.
Product: Credit reporting

My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX Co {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process on XX/XX/2020 sending a total of XXXX letters to TransUnion about every XXXX days. There is a closed collection item on my credit report from an apartment complex ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. TransUnion has repeatedly stated the item has been verified as accurate from the furnisher. I have several notices from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on TransUnion credit report. They have been reporting multiple things incorrectly including the balance. I sent TransUnion proof of this information and they have done nothing. Well, they did update the balance XXXX days after they said it was verified as accurate. And once they updated it, it was still wrong. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.
Product: Mortgage

I have been working with Ditech Mortgage company on doing a short sale of my home due to my hardship and XXXX. I was approved for my first loss mitigation application and when submitting the first contract to ditech they denied the sale contract and did not notify myself nor my realtors title company. We called numerous times through the first process and no one called nor emailed back. Here it is XX/XX/2019 and we have been working on a cash offer for the short sale of my home. Ditech tells me my application for loss mitigation is now out of time and I need to resubmit. Working hard the realtor, title company and myself to get all documents to them via fax, email and an overnight package. Calling Ditech everyday some days twice a day and speaking to different reps every time. We now get my home is set for foreclosure due to lack of information and there is nothing they can do. So I was not called nor emailed for any updates on my chart, nor did they submit anything we were sending to the underwriter. I have contacted the account executive of XXXX XXXX for Ditech and was told someone would contact me today XX/XX/2019. And again I have yet to get a call to complete the cash offer for the short sale of my property. Please help in my situation I am a divorced and now single parent raising XXXX  kids and can not believe the mortgage company has done this to me in my situation. I was told to file a bankruptcy and it will slow process so we can get the short sale completed when Ditech told me to release my bankruptcy they would approve me for a short sale because I tried to do a modification and couldnt afford it due to injury on my job and divorce. Again no one called nor gave updates on file packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
Product: Mortgage

I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit starting out since XXXX in XXXX then XXXX XXXX XXXX was found Im correct XXXX accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and transunion has found my info correct and removes it but within 2 or 3 days its right back back in XXXX its debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX bank in XXXX XXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I received a letter from XXXX stating : " After careful consideration, we decided to close your accounts because of your association with a XXXX credit card, deposit or investment account that was previously closed. '' I am unaware of ANY credit card, deposit or investment account at XXXX that has been previously closed, other than the XXXX ( XXXX ) referenced within the letter that will be closed in XXXX -- checking, savings, and credit card. 

When requesting information about which account has been previously closed, they refused to provide any information. When requesting information about other accounts at XXXX that XXXX have been opened within my name, they refused to provide that information. Note : I have opened CDs with Chase that have matured and repaid ; I have also gone through the preapproval process with the XXXX Mortgage Department for the potential purchase of a new property ( but have not pursued that further since we haven't yet found the property that we would like to purchase ). 

Based on this, I am concerned for XXXX reasons : ( i ) XXXX ( or more ) account ( XXXX ) were opened under my name without me knowing about it ; and ( ii ) access to my bank accounts is being terminated based on information that XXXX or XXXX not be accurate, but which is not being provided to me.
Product: Credit card

I transferred a {$10000.00} ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have {$300.00} in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different time ''. This company is a sad excuse for a business!!!!!!! Terrible customer service!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion credit report where several items previously disputed and resolved have been reposted to credit file showing incorrect derogatory information. I wasnt not provided any notice that this information would be reapplied and I am in dispute of the account balance, account status and payment history. I have attached a copy of letters from both creditors in question. 
1 ) XXXX XXXX account number XXXX Balance shows {$5000.00} should be {$0.00} 2 ) XXXX/ XXXX   account number XXXX account balance shows {$650.00} account balance should be XXXX As account was paid off Attached copy of ID and SSN
Product: Debt collection

Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me. 

Original complaint numbers XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, there were 3 fraud checks cashed through my checking account, causing the account went to negative. Two additional legitimate checks were cashed on the same day. Wells Fargo charged overdraft fees on the legitimate checks and reversed the payments on the fraud checks. If there were no fraud checks, the fund would have been sufficient to cover the legitimate checks. Wells Fargo has refused to refund the overdraft fees based on the argument that the bank bears no fault.