23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FRAUD/DEED THEFT : WellsFargo was informed through a CFSB complaint that there was fraudulent activity on the mortgage and someone was requesting a loan payoff amount to access the equity in the home ( XXXX ). WellsFargo informed me that the third-party was not authorized and I was the only authorized person on my brothers mortgage. The mortgage payments were current and there was XXXX late fee of {$56.00}. However, on XX/XX/year>, I received an email from WellsFargo that the loan had been paid off. I am the only authorized person for the mortgage and was not contacted by the lender prior to providing a loan payoff amount or any details of the mortgage transaction. The lender was informed several months ago and assured me of the steps that were been taken to protect my brother. There was no due diligence performed allowing a fraud to be committed on a property owned by a permanently XXXX person. This requires an investigation of what took place despite the prior warning and the transaction has to be reversed.
Product: Mortgage

The contact person is XXXX XXXX XXXX, and XXXX XXXX. 
My home went into foreclosure, The amount of approximately XXXX was paid. I have performed to the contract. I also have personal knowledge of the transaction. I requested a cancelled check, or any documentation verifying, that the amount contained on the promissory note, etc. was withdrawn from the bank 's reserves, and not, I repeat and not given to us, my wife and I as a loan that was generated by us through our signatures. I request a sworn affidavit under the penalty of perjury, of the facts. the wet signature of the original promissory note. The claim presented to the insurance companies and the satisfaction paid to the mortgage company when the foreclosure was filed. We also request a sworn affidavit of the movement of the promissory note, ( security ) who sold it, who it was sold to, and the proceeds generated. Also, why have not my wife received any proceeds, as we are a third party investor. Is it not our promissory note? I request copies of the 1099A,1099C 1096, IRS forms , and the 1066. I requested the XXXX reports, to verify, that asset backed securities 2006-1 is not contraband. That it was actually entered in the trust. A sworn affidavit, that we sat down, had a meeting of the minds, agreed on the terms of us " funding this ourselves and paying the alleged mortgage company for a loan that never was. If this can not be agreed upon in the requested sworn affidavits, on the market deliberately held from us as 3rd party investors. I also sent a security to the Trustee indenture, XXXX XXXX that was kept, XXXX XXXX XXXX, the securities in the form of presentments, that were sent to XXXX XXXX, that have yet to be returned. No instruments were credited to the account. I demand you investigate them for fraud, XXXX, Money laundering, unjust enrichment, financial conspiracy. They know exactly what they are doing. They have declined every form of discharge, even though just like all mortgages, satisfied at closing.
Product: Credit card or prepaid card

So this card is a store credit card I do own. I was a little taken off guard, because I did comtact Jcpenny and  told them my situation back in XXXX that I got laid off from a very good job that i've been working at a longtime. If they can work with me. The lady I wish I remebered her name told me don't worry so many people are in your shoes we understand just keep us informed. I told them once I get my finances situated I will call you back to figuire out what I can do. I love Jcpenny, I've been shopping Pennies since I was a child. SO for them to be on my credit report as a negative balance I was shocked I called them and told them everything. So since I found out that my Personnel Private Information is out there for anyone to grab. I pulled credit reports and saw JCP on there I called back fixed it all with the agent I can't remeber her I know I shouild of wrote it down. She was so nice fixed all my late fee 's basically she put my account back to normal. So it should all be good now. I ; m hopeing it is.
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 Bank 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 an account without my written instructions
Product: Debt collection

In XXXX  I called the company that was on my credit and asked the company. What is this? They said it is a light bill I said where was this light bill from? They said XXXX New York I said I have never lived there and have not given anyone permission to use my name, this is fraud or identity theft on my part. Can they take this off of my credit? They said no the only way to solve it is that I pay the bill
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Passport ID Number : XXXX Address : XXXX XXXX Pl XXXX XXXX XXXX NJ XXXX United States Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, Back in XXXX, I lost my oportun credit card and multiple unauthorized charges were made on it. Oportun contacted me via email and Text to confirm if I was authorizing the unusual transactions and I responded that I was not authorizing those charges and reported my card missing not in my possession. Oportun informed me that although certain transactions were blocked, unfortunately multiple unauthorized charges went through which we filed a dispute on. I have been waiting to receive my replacement card in the mail for over a month and was informed by oportun that once I receive the card and activate it, those fraudulent charges posted on my account would be removed. That was not the case because after activating the current card ending in XXXX, the charges were still reflected on my account. I have tried to reach the agent XXXX from the investigation department that sent me a letter with her phone number who is in charge of handling this dispute over ten times and left her multiple voicemails in the month of XXXX but I have not received any response. After comparing about XXXX unresponsiveness, another agent was assigned to the claim beginning of XXXX but that agent has not yet contacted me as of today XX/XX/2021. I just called Oportun to inquire what the status is and was informed there has been no updates and supervisors were not available to speak to me. 

The current balance reflected on my account are all from those fraudulent charges and the due date has passed which accumulated late fees and interest. I have received multiple emails from Oportun reminding me that Im late on the payment which I am not liable for to begin with. I want these fraudulent charges & fees removed from my account immediately. This has been a very frustrating and really inconvenient process. Oportun decided to increase my credit limit in XXXX but has still not resolved this issue from XXXX which doesnt make sense at all.
Product: Credit reporting or other personal consumer reports

This letter serves as a FINAL DEMAND for immediate action regarding the unresolved dispute on my credit report. I have made multiple prior attempts to address this issue, yet you have failed to take appropriate action, in blatant disregard of your obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

After my mother passed away, I was executor of the estate, my mothers home mortgage was paid in full but unknown to me there was a HELOC and I could not find the account information anywhere. When I called CHASE BANK they said their was still a mortgage, and that they had to do a title search, in the mean time they would not talk to me because I did not know the account # and/or the original line of credit. I called the columbus branch and they went into the account and could not find any of the information. The loan originated from Bank One, then to CHASE and they could not find the paperwork. While they were doing a title search they put the house into foreclosure for around {$1500.00} they served me the papers and when I called they would not talk to me because my name was not on the account - yet they had my name on the papers that was served to me. I made a formal complaint to the XXXX office, faxed all the information five different times, and there was no response and {$16000.00} later in legal fees for the foreclosure they are doing the same again. I feel this is entrapment, and an illegal processes that CHASE Bank takes advantage of for people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

I have not supplied proof underneath the doctrine of estoppel by silence, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 L owe no debt, this company is violating my consumer right to privacy.This company has no permission to report my information per 15 USC 16814.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX -Date opened XX/XX/XXXX - BALANCE {$380.00} XXXXXXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX - BALANCE {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -Date opened XXXX XXXX, XXXX - BALANCE {$990.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company credit card Synchrony bank is the credit card option with XXXXXXXX XXXX. I made a purchase with them XXXX Spaces, which included furniture, and accessories. The accessories were going to be delivered via XXXX, not with the furniture. When I realized this I called the store the following morning ( XXXX XXXX ) after making this purchase to cancel the accessories because the shipping address was not a safe location. I assumed they would be delivered with the furniture at first but when I realized I canceled them within 24 hours. I spoke with them they confirmed via phone that they were canceled and advised me I would get an email. The following day I called XXXXXXXX XXXX again to advise that I had not gotten the cancelation email again they confirmed the items were canceled. Come XXXX weeks later and they are charging me for these items. XXXXXXXX XXXX admitted to making an error, and on top of that, I was never emailed any tracking information until I contacted them about the charge 3 weeks after the items were delivered. I advised that I was not at that address which is why I canceled them initially. XXXX XXXX  did not want to help so I contacted Synchrony Bank and filed a dispute. Synchrony bank was also no help they never sent me a letter or email. When filling the claim the claims department has no proper way of you submitting evidence. Now they are charging me for items I have never received over {$500.00}! I need help this credit card company has no real process in addition on their website there is no proper way to view claim status. Please help me!
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not been able to get my credit report, I keep trying to update my address they wont change it. My credit reports isnt updated or available to XXXX parties. When trying to get my credit ran when I apply for something its frozen on their side. I was told to mail in my Ss card and ID and a letter requesting all freezer be removed, nothing was ever changed. When I was able to look at my report I get something called BLINK. This has been an ongoing issue for about year now. I cant not access my report on XXXX XXXX or any XXXX parties. No one can run my Equifax report because of what ever hold they have on my profile.
Product: Debt collection

I received a certified letter on XX/XX/XXXX stating that I owe a judgment to XXXX XXXX XXXX   DBA from the year of XXXX I don't know who I'm suppose to owe or why I'm suppose to owe them. Please help me to find out what is going on. Thank you very much. You can contact me XXXX XXXX at ( XXXX ) XXXX- XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was purchased by another lender now its reporting twice on my two of my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Product: Debt collection

In XXXX I took out a secured title loan with XXXX. The interest rate that was set forth at over 100 %. The loan was taken out using title of car in XXXX under my son 's name : XXXX XXXX Email on loan file is my email and has my son 's phone info. The car was a total loss in XXXX and insurance paid off the loan in full. XXXX has been harassing me and my son on the balance and they kept adding fees on the amount due? Harassing leaving threats on my son 's phone and I have tons of emails of collectors using profanity in efforts t collects. This debt was paid in full through insurance. Furthermore the statute of limitations has expire on this debt. Listed below is an aggressive attempt to collect on the debt. Also attached is a recent attempt to revive the statute of limitations by rewriting the debt. XXXX XXXX has not issued the proper disclosure per the FDCPA to advise the revival per the statute. 

***Subject : Last Chance!!! XXXX Hello my name is Mr. XXXX my direct contact number XXXX, I will be taking the liberty finding a resolution with your file. Our intentions is to resume some communication. Long term goal is meet at a happy medium resolution to restore your good standing with Credit Bureaus. Your total balance {$4300.00} with a contingent Settlement {$1000.00} Good Still XXXX. Please make all effort to continue communicate with XXXX XXXX. Please take advantage of our assistance and finding suitable financial resolution. Feel free to contact me numbers listed below. 
XXXX XXXX XXXX XXXX XXXX|Recovery Case Manager| XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX | PH : XXXX ext:XXXX  | Direct : XXXX FAX : XXXX | email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Kindly investigate my claim by the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

I have contacted Experian on SEVERAL occasions regarding a legal name change that they refuse to acknowledge and change on my credit file. Their refusal to change my information is preventing me from obtaining credit or health insurance and is ruining my credit score. I have faxed, mailed and certified mailed my name change decree, new social security card and new state ID card photocopies to them. I have reported the change to all active debt collectors and they have still refused to change my information. I have no control over a creditor 's decision to elect to keep pursuing an old debt in my former name. My student loans are the only debt I have and that creditor does not wish to seek my loan debt using my new name. Equifax has an obligation to change my name now that legal documents have been provided and my new name has been reported. To date they still refuse this change.
Product: Mortgage

I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.
Product: Debt collection

Received a notice from XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ XXXX. Attorny for plaintiff-Midland Funding LLC and file number is XXXX. XXXXXXXX XXXX XXXX XXXX in the amount of {$570.00} plus costs now the balance due is {$720.00}. 
They are stating : IMPORTANT NOTICE- PLEASE READ CAREFULLY FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOUR ARREST AND INCARCERATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX XXXX XXXXXXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.