23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XX/XX/XXXX, my wife and I went under contract with XXXX XXXX for the purchase on a townhome in XXXX  XXXX, MD. We paid {$1000.00} to secure the property and begin the home buying process. Within a month, we were referred to XXXX XXXX a broker with XXXX XXXX in house mortgage company, XXXX. We worked with XXXX on an application and we were informed by XXXX that due to my wife 's credit score and student loan obligations, XXXX believed that his company, XXXX, would not be able to obtain us an FHA loan and that a referral partner could be more helpful with the possibility of helping us obtain an FHA loan. On XX/XX/XXXX we provided XXXX with a referral authorization form that would allow him to refer us to the outside partner. XXXX XXXX referred us to XXXX XXXX from MDE Home Loans. There was a period of time where we were not able to reach XXXX XXXX and we played phone tag on a few occasions but on XX/XX/XXXX we received an email from XXXX that informed us of the documents needed for MDE loans to provide us with a conditional approval. We provided that information to XXXX and MDE loans and waited for that approval letter. We never received an approval letter from XXXX or MDE loans. XXXX informed us in XX/XX/XXXX that in order to obtain an FHA loan, my wife would need to get a fully amortized payment schedule from XXXX, her student loan servicing company. I tried to inform XXXX that the current loan servicing companies do not provide a long term amortized payment schedule. I informed XXXX that now the loan servicing companies require the borrower every year and the borrower has to provide tax and income information on a yearly basis to determine payment amounts. XXXX insisted that we gather this information so we acquired what we could from XXXX. After providing the information to XXXX, he informed us that the payment schedule they provided was not amortized and would not work. We again reiterated that XXXX could not provide us with exactly what he was asking for. We tried to obtain this information from XXXX on four different occasions and on every occasion they provided the exact same information. This was very time consuming and time wasting. At no point during this time did XXXX provide us with loan disclosures or any documentation with potential interest rates or payments. After providing XXXX with the information from XXXX to no avail, in XXXX of XXXX, XXXX informed us that we could possibly qualify for an FHA loan if we could produce a co-signer that met certain financial criteria. We searched diligently to try to find a co-signer and could not find one that would meet the necessary criteria. I informed XXXX of this in early XX/XX/XXXX. XXXX continued to ask about a co- signer and I continued to inform XXXX XXXX was not an option for us. On XX/XX/XXXX, I informed XXXX again that we could not find a suitable co-signer and that XXXX could not provide us with the amortized payment schedule he needed. At this point, XXXX Informed me that he had no other options for us at this time. We have yet to receive a denial letter from MDE loans nor have we received any loan disclosures.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt.

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties.

2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified. 
Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy.

If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One closed my account # XXXX after about XXXX week of opening the account but is reporting it as 30 days late. 
- The account was never 30 days late and in fact the account was not open for 60 days, so it is virtually impossible for the account to get to 30 day late payment status. 
- Capital One also has not allowed me to know what the closing balance is and since my Capital One online account is closed they need to supply me with a method of payment to pay whatever balance was on the card at the time it was closed. 
- It is improper for Capital One to report delinquent payment history on an account if they have not given me a way to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check was requested by an employer. ( XXXX ). A person 's name ( XXXX XXXX ) appeared on this report as an alias and I have no knowledge of this name. I called to report the error to XXXX XXXX XXXX and they said they could not provide the source of this information and it was a common occurrence. I called again and said I have the right to file a dispute on this item. I was told no one was available in that dept and I could leave a message.I emailed them and received a response which did not address the concern. 
Back Ground Reporting Agency : XXXX XXXX XXXX XXXX. XXXX | E : XXXXXXXXXXXX XXXX Thank you XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX. Scammer contacted us and told us we had pre-authorized charges pending on our Wells Fargo Account and to avoid those processing, we had to go to ATM to correct. {$990.00} fraudulent purchase of Bitcoin charged to our debit card. XX/XX/XXXX - We immediately visited WF Branch and they failed to take proper actions to halt charge. 

XX/XX/XXXX. Wells Fargo sent us letter stating the transaction was in their finding authorized. 

XX/XX/XXXX. We called WF claims dept requesting materials they had reviewed. 

XX/XX/XXXX. We received slim packet of information that did not address any of our concerns about WF actions taken or not taken immediately after ATM transaction. 

XX/XX/XXXX Sent formal reconsider request of denied fraud claim ( XXXX to WF along with Sheriffs full report ( XXXX XXXX ), screenshot of claim 's incorrect bank recording at time, and additional details. 

XX/XX/XXXX. Called WF Claims Dept to see about progress on claim. Agent says it must be investigated by investigators. Received no further word to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX  ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a closed account and is still showing as open and reporting. This account is also associated with fraudulent charges and inaccurate personal infromation.
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 {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My credit report shows two hard inquiries from XXXX XXXX ( XXXX ). I have never heard of this credit union and there isn't even one in my state ( Arizona ). I have NO communication from XXXX regarding this " auto refinance loan '' they claim I requested ( no emails showing I initiated this loan, no emails showing the outcome of supposed loan I applied for ). They state I consented to my credit being pulled for an auto refinance loan. I requested multiple times for proof that their " records '' show me consenting to these credit pulls ( because I did not consent ) and they have failed to respond with any proof. I requested the supposed application I submitted and nothing provided. They simply keep saying their " records '' show that I consented. They eventually stopped responding after I kept asking for proof. Consumers be wary of this credit agency as they are taking people 's information and pulling their credit fraudulently.
Product: Checking or savings account

On XX/XX/2021 around XXXX I received a text supposedly from the BOA fraud alert in which someone tried to XXXX themselves {$3100.00} from my bank! So I said NO Then someone from Bank of America Frauds department called, same exact number. Said someone tries to send money out of my XXXX app. I got suspicious so I hung up on him but then he called me from Bank of America official phone number. Then he said to recover the funds, I need to XXXX myself, my OWN phone number, the {$3100.00} and the Bank of America supervisor will refund it immediately and it'll go back into my account. The scammer said its because XXXX is a third party. Then after that happened I asked for his name again and he hung up on me. So I called the exact Bank of America frauds department number XXXX same exact number ) and they told me that they don't have a record of that call!! The calls were SPOOFED. So I filed a claim with Bank of America and XXXX and they BOTH said they'll get back to me within 10 days-90days but it's not guaranteed they can recover the {$3100.00}. The name on the XXXX was XXXX. 
It was unauthorized and fraudulent!! 
I also reported it to XXXX Police : Case number : XXXX I heard that XXXX was a third party from a BOA associate when I called to check on the status of my claim today XX/XX/2021 at XXXX
Product: Credit reporting or other personal consumer reports

Someone else got a auto loan under my name 800loanmart
Product: Debt collection

My credit report includes accounts I dont recognize or believe I authorized. Please remove these as fraudulent without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 an account without my written instructions 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Ive been in contact XXXX, XXXX and TransUnion in hopes of getting XXXX XXXX accounts removed from my credit report, these accounts belong to someone else that live in my household that has a similar name as well as similar phone number and the continue to say they have verified them as being mine and refuse to submit how and wh they verify the information with Ive just received a letter from XXXX where they are refusing to remove or even reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from Experian that they would NOT honor my request to block certain negative information in my file that MAY be a result of Identity theft. I am an Identity Theft Victim and someone used my social security number to file a Tax Return. I submitted this letter, along with the Identity Theft affidavit, the items circled, and my ID and proof of address to Experian and they said that they would not block the items because there was no police report attached in accordance with the FCRA. I have a copy of the FCRA and there's nothing under 605B ( a ) that discusses that a police report is required. 

In addition, Experian has chosen to not honor my requests in XXXX, XXXX and XXXX to supply certification of Metro2 compliance. They send " canned '' responses like " Verified, '' or " Furnisher certified that information is correct. '' They did, however, remove 3 negative accounts : XXXX ; XXXX and XXXX XXXX  from my account. Under Metro2 Compliance, I would like certification that these removals have been shared with the other Credit Bureaus as required under Metro 2.
Product: Payday loan, title loan, or personal loan

this company has been taking money from my account over an extend amount of time. now that I have closed the account they are calling my job Human Resource office harassing me. I have reached out to the Florida Trade commissioner also. please stop calling my job harassing me its illegal.
Product: Checking or savings account

Account Opened and then CLOSED FOR BUSINESS REASONS I successfully opened a XXXX  checking account on XX/XX/21, and am now being told my account has been closed for Business Reasons ( Security purposes ) and will not be told why. I still am able to log in to my account and I continue to receive emails along with a letter in the mail I received yesterday welcoming me to XXXX. 

This checking account was opened because there is a {$250.00} checking Bonus I was interested in. 

I feel this XXXX XXXX  is opening and closing accounts along with other customers as a bait and switch move to bolster their open account numbers while quickly closing those accounts so the consumer is not be able to finish the qualifications to receive the {$250.00} bonus being offered.
Product: Mortgage

I have bought my house 2 years ago with a XXXX interest rate. My payment was {$2700.00} a month. Last year they raised my rent {$300.00} a mont to {$3000.00} a month. Now this year they raised my mortgage to over {$400.00} a month. Now my payment is {$3400.00} per month. My property taxes went down I am sure my insurance went up a little not {$6000.00} dollars. Something is wrong and they are not fixing it. At a XXXX interest rate this is not right.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on XXXX. Institutions included XXXX, XXXX, XXXX  XXXX XXXX and XXXX XXXX. I contacted XXXX for more information regarding the fraud, cancelled all accounts with XXXX, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a XXXX freeze was placed, more credit inquiries were found, and then following that, an Equifax freeze was placed. The other inquiries found were a XXXX XXXX / XXXX XXXX XXXX  and a XXXX XXXX / XXXX XXXX  credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX XXXX  and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Mortgage

Foreclosure document fraud by Wells Fargo as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. 
please see attached. 

this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement. 

please see attached letters sent to this company ( Experian ) and documents as proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a screenshot of my XXXX  XXXX XXXX XXXX Account # ending in XXXX from XXXX. This account is also being reported on my Experian Credit Report. However it is showing several 30 days late. 

Experian has an obligation to report accurate and factual information and not make up their own reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX 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 an account without my written instructions