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

I am writing to formally request that the following accounts and inquiries, which are a result of a data breach and fraud, be blocked and deleted from my credit report. I am a victim of identity theft, and these accounts were fraudulently added to my credit history. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be immediately blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$300.00} Fraudulent Inquiry : XXXX  - XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. 
Here is copy of email I sent after I was able to ID thru caller ID on my phone. 
Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? 
I say : Yea You say : Confirm your birthday and address? 
I ask who are you? 
You say I need your birthday & address I say, who are you? 
You say : Confirm your birthday and address? 
O.K I won't play you stupid phone game. 
I said goodbye & slammed the receiver in their ear. 
XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! 
SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! 
IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Product: Credit reporting or other personal consumer reports

I have sent in disputes for these inaccurate unverified accounts. They have several inaccuracies in the date of last activity and status dates between all XXXX bureaus for all of these accounts. These accounts are inaccurate and incomplete and are a violation of the FCRA. They need to be deleted immediately. DELETE 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE PAYMENT HISTORY FOR THESE ACCOUNTS ARE INACURATE AND UNVERIFIED. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY OF THESE ACCOUNTS. ( I WAS NEVER LATE ) THESE ACCOUNTS NEED TO BE UPDATED TO PAID ONTIME/NEVER LATE FOR EVERY MONTH IN THE ENTIRE PAYMENT HISTORY FOR EACH ONE. UPDATE THESE ACCOUNTS TO PAID AS AGREED/NEVER LATE IN THE PAYMENT HISTORY FOR EACH MONTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to modify a mortgage out of forbearance since XX/XX/2020. The communication is purposely evasive. I receive USPS mailed letters indicating my application is incomplete. The letters do no indicate what is missing. The only way I can determine what is missing is by calling the company and have a representative manually review my application to determine what is missing. Every time I call I am forced to hold for 30 minutes or more. Every time I call I get conflicting information regarding what is required of me. 

The representatives have a hard time understanding what is being requested of me. In multiple occasions I have submitted a letter of explanation to satisfy the requirement. In each instance it is explained that I must submit a different letter of explanation. 

I would assume there is an effort from this bank to prevent mortgage modifications from moving forward. The
Product: Debt collection

No knowledge of account. I never received any notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. Please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Debt collection

{$2700.00} is not the correct amount owed on this account. Per the lease agreement, the original creditor illegally charged me an extra {$1000.00} for a lease break fee. Per the lease agreement, the amount was not to exceed {$1000.00} for a lease break. I disputed with this debt collector and they failed to approve my dispute, as it is valid. I would like to file a FDCPA suit against this company immediately if they don't follow suit in this legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had lXXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Product: Mortgage

Freedom mortgage took over my mortgage on XX/XX/XXXX. They tried to give immediate relief but they said I needed more income. Then they said that I should fill out a loss mitigation packet. I filled out packet onXX/XX/XXXX and sent it over night. I spoke with someone on XX/XX/XXXX and set up a payment for XX/XX/XXXX for XXXX. But as we continued to talk he said he could n't set up another payment because of the letter that went out. He also said that any other payment should be western union. I told him that after the payment of XXXX on XX/XX/XXXX I could pay 2 payments on XX/XX/XXXX and another payment of XXXX at the end of the month XX/XX/XXXX.That would be a total of XXXX. He told me i should be fine he was going to try and extend the date of the letter fromXX/XX/XXXX to XX/XX/XXXX. But after the talk with the customer care dept. I mailed off the loss mitigation packet and went to my mailbox to open the letter from freedom mortgage. It 's a demand letter for all past due payments for XXXX no later XX/XX/XXXXand if payment in full is not made they will require full payment of the entire loan. So with all of the money I have coming in profit sharing and my pay checks to get back on track Freedom mortgage is going to take my home. I would like to believe that they are going to help but after all of the negative reviews from this company I believe that they will just take whatever I give them and if it 's not the total amount byXX/XX/XXXX they will keep it and sell my home. I was working with XXXX but they sold my mortgage to Freedom Mortgage. I have worked so hard to get my home at this point I feel as if my only option is to file bankruptcy. This is not what I want to do but letters speak louder than a Customer  service representative saying I should be fine over the phone.
Product: Mortgage

BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX  to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account was opened : XX/XX/XXXX Account Balance : XXXX
Product: Money transfer, virtual currency, or money service

I opened a BinanceXXXX account on XX/XX/2021. I funded it by transferring cash multiple times from my bank account and transferring XXXX from my XXXX account. The total assets I have invested total approximately {$14000.00}, and are worth {$48000.00} at the time I am writing this. 
Over the next month I sold all of my XXXX and XXXX and bought the Binance XXXX XXXX. 
On XX/XX/2021, I transferred an additional {$1000.00} from my bank account to my BinanceXXXX account successfully, but when I tried to purchase more XXXX I received a message that my trading was disabled. There was no explanation. 
There is no way to contact BinanceXXXX, other than the online ticket function, so I immediately submitted a ticket, and received a reply saying it was received. Since then I have never been contacted by BinanceXXXX, other than a few emails telling me to wait longer. It has been over nine weeks now, and they are holding my funds without allowing me to access them, and refuse to contact me to help remediate whatever problem there is. 
I submitted additional requests to them for assistance on XX/XX/XXXX, and XX/XX/XXXX. 
I have also filed a complaint with the XXXX XXXX XXXX and the XXXX The XXXX tried to contact BinanceXXXX twice but BinanceXXXX did not respond to them either. The XXXX replied and said BinanceXXXX is not registered with the XXXX  and referred me to the FTC and the CFPB. 
I am now considering legal action but really just want my ability to trade restored so I can sell my XXXX and close my Binance Account.
Product: Mortgage

Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the account opened XXXX XXXX with account number xxxxxxxxx and XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX XXXX, and XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Money transfer, virtual currency, or money service

I was under the impression my Paypal account is closed due to it permanently restricted from use, no transactions allowed to or from it. This also applies to purchases. It appears it is in fact permanently restricted. I need a statement from Paypal with the exact date it was restricted and if it ever was linked to another Paypal account, the email XXXX. Linked account refers to any and all funds transfers from XXXX to my account from the time period of XX/XX/XXXX to today, XX/XX/XXXX. Specifically, I request a research for a transfer in the amount if {$4200.00} during the same time period. I need this to show rep ( s ) with XXXX XXXX, their rep stated my Paypal account was or is linked to XXXX, this refers to any funds transfers to or from it. XXXX XXXX mailed me a close out check in the amount of XXXX on or around XX/XX/XXXX, intercepted by a third party and cashed. Needless to say, I did not receive the funds. XXXX XXXX rep referred to the Paypal account, XXXX, inferring the account was used to possibly transfer funds to my account which was suspended at the time. I need a brief statement showing 1 ) Exact date Paypal account was suspended, 2 ) a research for any transfers during the time period XX/XX/XXXX to today, XX/XX/XXXX, specifically the amount of {$4200.00}.
Product: Debt collection

I have requested information from this company proving that they own this debt. They responded with a letter and the old bill attached to it from the original creditor. Nothing that proves that they own this debt and collect on it as I requested. I called the original creditor and they told me that they no longer service this debt. I also called them and asked them flat out if they owned this debt and they refused to answer. They did not provide the information I requested within the 30 day time period. I have disputed this with the credit reporting agencies and it came back as valid. This company is failing to provide the proof and evidence under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a copy of Equifax report # XXXX I noticed inquiries on my report past the two year date. XXXX XXXX XX/XX/2017 & XXXX/XXXX the rep claimed she does not see it. So I am filing a complaint to have this invalid data removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX XXXX XXXX
Product: Debt collection

Transfinacial is reporting on my credit report for a medical bill in the amount of XXXX. Ive asked them to validate the debt and send me a contract with my signature and any procedures Ive had with them. Ive never been to transfinacial or had any dealings with them. Since they cant validate the debt with my signature or nothing else I want it removed from my credit report
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Experian, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report, which is listed as : XXXX XXXX XXXX XXXX Upon reviewing my report, I was surprised to find this account marked as negative. After thorough research, I confirmed that this account is not reported as negative by other credit bureaus, such as XXXX and XXXX. This discrepancy raises significant concerns about the accuracy of your data.
Product: Mortgage

Bank of America has represented to me multiple times and as recently as XXXX XXXX, XXXX the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of XXXX XXXX, XXXX. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. 

On XXXX XXXX, XXXX Bank of America represented to me my home and property has been sold on XXXX XXXX, XXXX. This must refer to the Trustee 's Sale at public auction of XXXX XXXX, XXXX. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently. 

All previously mentioned resolutions are desired and mandatory. 

Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's Unfair Competition Law ( UCL ) Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 

21 ) California Business and Professions Code. 

22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 

23 ) Making Home Affordable ( MHA ) Act. 

24 ) Home Affordable Modification Program ( HAMP ). 

25 ) Rosenthal Act. 

Continued in Desired Resolutions portion of complaint.