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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Mortgage

I, XXXX XXXX, am the realtor assisting borrower XXXX XXXX on a short sale for her property. ShellPoint Mortgage is the servicer and is violating state law during this settlement process. 
1. ShellPoint uses an application ( Form 710 ) for this process. The application states that " No Documentation '' is required if there is a reduction of income. However, ShellPoint Mortgage is insisting that the borrower submit bank statements and state that on page 3 there is a mention of " type of income ''. This is not mentioned anywhere on page 3. In fact, no where in the entire application does it require XXXX XXXX to provide bank statements. ShellPoint is lying during the settlement process. The borrower is not required to submit bank statements. 
See Form 710 and the ShellPoint Mortgage letter lying about their demands.

2. ShellPoint Mortgage has also stated that the Note Investor is the one demanding this income information. That investor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Certificateholders of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to act as an unlicensed mortgage servicer in Florida. 

3. Further, ShellPoint is in violation of Florida Law by demanding to see a private trust document. The recorded Land Trust Deed specifically grants the Trustee XXXX XXXX, XXXX the power to sell the property. XXXX XXXX is registered as the Manager for XXXX XXXX, XXXX in the state of Florida. ShellPoint Mortgage has no need for the private Trust agreement. See attached Deed and registration with Florida showing XXXX XXXX as the manager.
Product: Debt collection

This is a debt I have that I asked the debt owner rapid loans to stop calling me and my relatives a A cease and desist. They are continuing to phone everyday and text me as well as email me. Now the other day XXXX recalled me from rapid loans then emailed me afte tried explaining to him that I sent A cease and desist written as well as text as well as email. He explained to I broke the law that committed felony and that he was going to report me to the cops since I didn't work out a Payment option. I explained to over and over and says he keep writings me and give this information over to the police. He called me a fraud person. He told I intended to do this on purpose. My add on XXXX says has lean on it why they only gave me XXXX for the csr it alot body damage to it. Now man from rapid loans call me criminal and Threaten me to Have all the emails still from him as well
Product: Mortgage

This is the second complaint i have made about this company. I tried for 2 years to get this company to agree to a re-modification. I had to make a complaint against them because their business practices were shady bordering on criminal. After receiving an agreement 3 months ago saying i have to make XXXX test payments to complete this re-modification this company is up to its old tricks. I have made the first XXXX payments but i am reluctant to make the third because throughout this period there has been no good will reciprocated by these people. Despite the fact that i have kept my part of the agreement and made the payments i have continued to receive threatening letters and phone calls. Also there is a disparity between the amount the online account says is due and their automated phone system. Their representatives have continued to lie and make deliberate false statements about the situation. I just received a call from them claiming that the mortgage is in default and i have not paid which is a lie. When i reminded the person who called herself XXXX or something like that that i spoke to them last month about this issue and what she was saying was not true she claimed the payment was returned. I reminded her that the first attempt was returned because the bank suspected fraud so i sent it through another bank. She claimed at that time last month that as long as the last payment was made before the end of XXXX the trial period would be satisfied. This person was saying something entirely different today. I wanted my XXXX to assume this mortgage because i am too old to be dealing with this dishonest criminality and lies. I don't believe this is a oversight i think these tactics are deliberate to get me to just give up and give them my house. These people claim to record all calls so these records need to be subpoenaed as proof of these dishonest and deceptive business practices.I believe these tactics are clearly conspiracy to commit mortgage fraud which falls under the FBI 's jurisdiction. This company is a debt collector and not a mortgage company in reality. Even their name is a lie. Debt collectors are parasitic and will use any tactic to take advantage of consumers even if it crosses the line. A full investigation of this company needs to done to stop them from breaking the law. I am certain that they are breaking the law and someone needs to stop them.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX PRE XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PRE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I previously had an FHA mortgage with Wells Fargo which they took over via assignment in XXXX and more importantly executed a modification in XXXX. This loan was paid in full in XXXX of XXXX and a lien release was executed but it omitted any reference to the modification which is the crux of this issue. I have called numerous times ( at least 8 ), sent letters, and emails ( which bounce back as they have no functioning email to the best of my knowledge ) and I have yet to get precisely what Ive asked for. I simply need for Wells Fargo to specifically release the modification via an affidavit or lien release pursuant to OCGA financial statutes. I cant stress the financial harm this has caused and continues to cause to my family and I.
Product: Mortgage

The company Mr. Cooper said I they do not see benefit for my getting the modification. Now they are requesting the full amount we are behind $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dispute was completed on XX/XX/2019 by experian for the following account XXXX XXXX Account # XXXX ... Experian deleted this account and added another account with showing : XXXX/ XXXX XXXX with the same account information as the account deleted. I have no knowledge of this account belonging to me.
Product: Debt collection

A collection agency for XXXX XXXX named " Client Services '' contacted my employer to reach me. I told him he can not contact me at work. He stated he could. I am a therapist and work with people in crisis. I can not take personal calls at work. The phone number to Client Services is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filed for XXXX XXXXXXXX bankruptcy on XX/XX/2022, and PennyMac Mortgage is reporting that I am in arrears of {$3300.00}. PennyMac reported this amount to the courts for my XXXX XXXXXXXX bankruptcy but was unable to tell me how they arrived at this amount when I called their collections department. 

When I called PennyMac I spoke with the following representative who reviewed the proof of claim submitted : XXXX. ) XXXX XXXX XXXX. ) Title : Escalation Team - Collections Department 3. ) Office Number and Extension : ( XXXX XXXX XXXXXXXX - Ext. XXXX XXXX at Pennymac confirmed he was unable to see calculate any arrears on my mortgage loan since my loan is paid to date.
Product: Payday loan, title loan, or personal loan

They are paid in full of what I owe the hotel 1 has the money that they are due I stayed at hotel for two days in which I paid affirm for but hotel 1 has the rest of their money I stayed for two days for {$600.00} but hotel 1 is keeping $ XXXX saying that hotel kept money but hotel says that hotel 1 only paid them the {$600.00} so hotel one is stealing and wants me to pay I keep telling affirm to verify with hotel as my bank did to refund my money but they won't so now they are saying I owe for everything even the {$600.00} I paid the for the days I stayed please help this is on my credit
Product: Checking or savings account

XXXX @ XXXX Deposit check amount {$5000.00} XXXX # XXXX Emergency rental assistance check processed. XXXX XXXX XXXX did phone verification along with XXXX XXXX and noted my account. I was told funds would be available today. available today. Today XXXX at XXXX pm, they printed a piece of paper saying they're holding my check until XXXX. 

There is an automatic transfer of {$120.00} they are authorizing without my permission.
Product: Credit card or prepaid card

I was denied the credit for the Chase Business Ink card because they said I have a history of delinquency per XXXX  with XXXX  XXXX on XX/XX/2021 ( which I informed them, on XX/XX/XXXX, that this is entirely incorrect and not on my report ). I requested my XXXX  report after denial and it too reflects no delinquencies at all. Chase told me I would have to reapply for the card in order be reconsidered. This is something I will not be doing.
Product: Credit reporting, credit repair services, 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 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 : 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. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXXXX Reference number # XXXX has violated my rights. 
XXXX XXXX CFPB violation.
Product: Mortgage

I am attaching a lawsuit which was filed recently. It shows how Nationstar is illegally trying to foreclose on my property. I have hired a fraud investigator and expert witness to investigate their wrongful acts and the investigation is ongoing. They responded to my last CFPB complaint with the attached letter sent to my attorney, XXXX XXXX. Every time I ask who owns my loan, I get a different response which tells me that it is all fraudulent and they just make something up each time, hoping to pass the liability onto someone else but as you can see by the attached documents, it is all a big fraud. XXXX XXXX sent them an authorization which I signed along with the letters that she sent to Nationstar which allowed her to receive their response to her letters. She received the return receipts to all of her letters sent to Nationstar. However, in their reply, they said that they did not have the authorization. This is not true since they signed the return receipts which XXXX XXXX received and I have attached them here as well. In the letter dated XX/XX/XXXX that they sent to my attorney, XXXX XXXX, it says that XXXX XXXX is the owner of my loan, however in the letter dated XX/XX/XXXX that they sent to XXXX XXXX it says that XXXX XXXX is the owner of my loan. Both letters are attached here. I still do not know who owns my loan. In item 5 of their letter to my attorney, XXXX XXXX, they said that four loan modification reviews were denied due to the request being incomplete. This is another lie. I provided all documentation requested numerous times. They continually lost the documents, changed the single point of contact and made me send in the information over and over again, wasting time and using a false reason to deny a loan mod. In item 6, their accounting was incorrect and I made every payment since the XX/XX/XXXX loan mod and I have all of the cleared checks. They claimed I did not make insurance payments which was not true as I can prove that I made all of those as well. The only reason I went into default was because they started sending the payments I was making to them back to me. I could never reach a person who could get this straightened out. I have notes on all the times we tried to reach a live person who could explain what was going on but the single point of contact would never return my calls. I even paid an attorney to try to figure it out and he was also not able to get them to explain to him why they were saying I was in default and explain their accounting. He told me I needed to sue them. People should not need to go to court to get a correct accounting and find out who owns their loan and where the money that I have paid has gone. Nevertheless, after trying every other way, it seems that is what is required.
Product: Money transfer, virtual currency, or money service

I wanted to withdrawal {$1100.00} out of my XXXX Goldman Sachs XXXX and said they could not verify my account to give me my funds. I already verified BOTH my checking and savings accounts with XXXX within the first couple of days of opening the new XXXX. They told me to send bank statements in the MAIL and thats their only option to verify. I sent them in, but I need my money fast because thats the main account I keep my savings in.
Product: Credit card or prepaid card

I received some texts and calls from phone number ( XXXX ) XXXX XXXX with pictures of my social security card and driver 's license. When I went to lock my credit on XXXX it showed that I had 4 hard inquiries to open credit that were fraudulent and lowered my credit score.
Product: Credit reporting or other personal consumer reports

There are accounts under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Product: Debt collection

Alridge Pite Haan has garnished my wages. I am a XXXX parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a XXXX  mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of XXXX, Experian and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.
Product: Bank account or service

After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between XXXX & XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX Balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report & found several discrepancies. XXXX XXXX XXXX DBA XXXX XXXX c/o XXXX in North Carolina XXXX Formaly known as XXXX until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX XXXX transferred to another Co XXXX, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX