23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company ( AR RESOURCES INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX credit reporting agencies. I  requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to unfreeze and obtain our credit reports for a loan for a new home purchase. We have had absolutely no problems with XXXX  or XXXX XXXX. These two agencies accomplished our needs excellently online. Equifax, however has been a total nightmare. 

Starting early XX/XX/2020 we tried to unfreeze our Equifax accounts online. We were unable to do so and advised to contact Equifax customer care. The customer care representative told us to send Equifax a explanation letter with a copies of our driver 's licenses, Social Security cards, and a bill to verify our identities and addresses to Equifax Information Services, LLC, XXXX XXXX XXXX, XXXX, GA XXXX. The process would take approximately five to ten business days. 

The letters with all attachments were sent on XX/XX/2020 at XXXX XXXX  via US Postal Service certified mail and delivered onXX/XX/2020at XXXX XXXX. 

We waited more than the appropriate time and received no response from Equifax. So we called again ... many, many times. 

We are always told they have not received our information. Yet we know they received the letters as it was delivered via certified mail. 

A couple representatives verified us over the phone and said the accounts have been unfrozen ( throughXX/XX/2020 ) and provided us with confirmation numbers. However, the accounts were NOT unfrozen ; the  loan companies with our applications still can not access the Equifax credit reports. When we called Equifax with the confirmation numbers, we were told the accounts were indeed still frozen. 

Most said the information we provided over the phone was incorrect and does not match their information so the accounts could not be opened. ( Aside : The information we provided was 100 % correct. ) We were told to reference our Equifax credit report. When asked how we can obtain our Equifax credit report, we were told to give them correct information that matches their information. ( Infinite loop, Catch-22, the Twilight Zone? ) So basically whether via US Postal Service, online, or over the phone, they will not supply us with our credit report or unfreeze our accounts. 

There is an Equifax office somewhat near our home. When we asked can we just go to their office and verify ourselves there, we were told they do not allow people to verify themselves in person. ( So, we can go anywhere in the world with our passport as ID and other documentation but Equifax won't accept it. ) Today, after going around and around with a representative I asked to speak to a supervisor. The representative, XXXX, hung up on me. 

So as it stands we can not buy a new house because the loan originators can not access our Equifax credit report because Equifax either has wrong information or is incompetent and won't unfreeze our accounts. If Equifax has wrong information we can not correct the information on the credit report because Equifax will not let me see the credit report. 

Aw we stated at the beginning, we have had no problem with XX/XX/XXXX or XXXX XXXX verifying our information to unfreeze our accounts. It is only Equifax.
Product: Money transfer, virtual currency, or money service

I have two currently have two PayPal accounts. The first is a business account that has been operating for years. The second account is the subject of this complaint. I am a XXXX creditor/victim. PayPal was selected as the distribution agent to accept our funds and allocate them back to the customer during the bankruptcy process. 

This account was opened solely to accept my XXXX cryptocurrency distribution. On XX/XX/XXXX, I received my crypto distributions on PayPal. On that same day, I sent XXXX Bitcoin to my external wallet. I wanted to send more and get the assets of the platform as soon as possible. I knew I couldn't trust PayPal. On that same day, I requested an increase in my weekly crypto withdrawal from {$10000.00} to {$40000.00}. I submitted the requisite form and never heard back. I decided to sell all of my crypto using PayPal and remove the fiat funds. Time was of the essence. Any assets kept on the PayPal platform are in extreme danger of being seized by the company or the account being limited ( exactly what happened here ). 

On XX/XX/24, I sold the remaining crypto assets. I attempted to withdraw {$5000.00} to my bank account and I requested a paper check in the amount of {$63000.00} to be sent to my home address. On XX/XX/24, the account was limited by the company. I attempted to verify the account multiple times. However, I can not complete the third and fourth steps ( bank account verification ). First, the bank accounts were already verified via the XXXX platform previously. Secondly, when I do try to verify again using their link, nothing happens. I am just taken back the main page showing my bank account. I attempted to contact PayPal multiple times that day. It is almost impossible to speak to a person. The automated system simply hangs up on me when I request a representative. 

PayPal was chosen as the requisite distribution agent for tens of thousands of XXXX creditors. It is not allowed to restrict user funds associated with the XXXX distributions. A review of all activity on this account will show that the account was used solely to receive the crypto, and the fiat dollars remaining on the account are from the crypto distributions. No other activity is on this account. 

Not only is this limitation activity likely illegal as it goes against a court appointed judgement stipulation, it is also morally reprehensible. I have already been a victim of the XXXX collapse already. Holding my funds and essentially stealing them a second time is outrageous.
Product: Mortgage

I closed on my mortgage loan with Guaranteed Rate, which sold my loan to Shellpoint, which is serviced by Newrez LLC. Since Newrez LLC took over servicing my mortgage loan, I have been unable to access, view, and receive electronic statements. I am able to login to the Newrez LLC user portal, however, I can only view the home screen. I am unable to view any mortgage statements, correspondence, or any additional documentation with respect to my mortgage because when I click on Account Details, the page redirects and goes to a blank screen. I have spent an inordinate amount of time calling to complain about this and subsequently request the mortgage statements be emailed to me since I no longer receive statements via USPS due to the fact that I am the victim of identity theft with fraud statements on my credit report. When the Newrez LLC website attempts to redirect from the home screen to the Account Details where statements would be located, the website freezes, using their recommended browsers, including XXXXXXXX  and XXXXXXXX XXXX. For two years, I have not been able to view mortgage statements via the consumer portal and have had to request that Newrez LLC email the statements. This is a problem because my mortgage payments are setup for autopayment. Therefore, if the payment amount is not listed correctly, I will be issued late fees, even if the payment is off even so much as by one penny! However, Newrez does not send my statements to me electronically, but instead expects me to retrieve them in a portal for which their IT support can not effectively resolve these issues after two years of complaints. One day I fear that the mortgage payment amount will be short, and I will be issued late fees and reported to a collection agency when Newrez does not send me statements that notify me of the correct due date and correct amount due. I do not know how much of my mortgage is being applied toward interest, principal, or taxes. Newrez LLC fails to provide me with proper statements in order to make my monthly mortgage payments. I fear they are setting me up intentionally to default on my mortgage, and I have never been late or short on any payments. Attached is a screenshot of what a consumer experiences trying to access a monthly mortgage statement. See pdf of a blank computer screen with a redirect address that is clearly broken and not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit card or prepaid card

In beginning of XXXX this year ( XXXX ) I opened credit card account with this bank. As a promotion this company promised to pay {$200.00} after spending {$2000.00} within first three months ( see attachment ). I did it, but never got this money. I called them three times in different time, and every time they give me different info about when I will get my {$200.00} reward. I see that this company practice fraudulent business and lying to their clients. Please set an investigation of this business and help me to gen my money according agreement. Me card number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX  during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Re : SPS SERVICING-CARES ACT COMPLAINT In XX/XX/XXXX my loan was serviced by XXXX XXXX XXXX and owned by XXXX. XXXX offered and I accepted disaster relief by way of postponing monthly payments for a period of time. I was aware of the options offered by XXXX which included relief, if needed, for up to 1 year. I skipped 3 payments and resumed monthly payments in XX/XX/XXXX. 
On XX/XX/XXXX, I was informed by XXXX that my loan servicing was being transferred to SPS SERVICING of XXXX XXXX XXXX, Utah, and ownership transferred to XXXX XXXX XXXX. I immediately reached out to SPS and was assured by my assigned relationship manager, XXXX XXXX, that my XXXX commitment would be honored. I advised SPS of my hope of having my missed payments setup on a repayment plan spread out over 6-12 months and as directed by SPS I provided the required documentation. On XX/XX/XXXX, SPS denied my request and suggested a SHORT SALE. 

The action by SPS is contrary to the relief provided for in the CARES ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX will confirm ownership from XXXX to XX/XX/XXXX. Call XXXX at XXXX XXXX XXXX. XXXX case number XXXX. 

I have attached copies but if you require better quality please let me know. 
ejc
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

contacted someone listed as relative advised them to tell me to contact XXXX XXXX at XXXX extension XXXX or XXXX very important XXXX about garnishing wages
Product: Mortgage

A HUD XXXX in the amount of {$25000.00} was brought to my attention during an attempted refinance. FHA case # XXXX. This was added to the loan as a forbearance program under the CARES act by Freedom Mortgage. I was unaware of the amount of this XXXX as it was all signed post haste after missing payments over the course of a year. I initiated and made them aware of my difficulty prior to missing the payments after I was consoled to take advantage of the CARES act ( my work shut down for months without pay due to COVID ). The missed payments alone do not add up to the amount on the lien. My understanding at the time and as of current is no additional fees or interest were to be added to the missed payments as outlined in the XXXX act. I contacted Freedom Mortgage on XX/XX/year> at XXXX for further information. They pointed me to another servicing agent that pointed me to XXXX who XXXX pointed me back to Freedom Mortgage for the breakdown of how the amount was determined. My payment at the time was $ XXXX including PMI and escrow. Due to the lack of adherence and disclosure of the amounts and breakdowns, I am contacting CFPB to file a complaint and possible legal action to correct this. I lost money from backing out of the refinance, my daughter is at risk of being removed from her college as funds are no longer available for her to continue due to backing out of the refinance option.
Product: Credit reporting or other personal consumer reports

Subject : Request for the Removal of Charge off accounts due to inaccuracies and discrepancies. 
Dear Transunion, I am writing to formally Request the Removal of inaccurate Charge off accounts from my credit file, as detailed below. These accounts are reporting in error and do not reflect the accuracy status of my financial credit history. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Open date- XXXX XXXX Balance {$940.00} XXXX Open date- XXXX XXXX Balance {$1500.00} XXXX Open date- XX/XX/XXXX {$5000.00} I have previously requested XXXX regarding the reinvestigation method of Verification process for these accounts, as provided under the FCRA. Unfortunately, I have not received the necessary documentation to support the accuracy of these accounts. As per the FCRA, Transunion is required to provide me with the description of the procedure used to determine the accuracy and the completeness of the information including the name of the company, address, phone number, who performed the process, and the individual 's title during the reinvestigation process. The lack of this documentation raises concerns regarding the validity of these Charge offs. Given these inaccuracies and failure to provide the requested verification. By FCRA Laws, Transunion MUST remove these chargeoffs from credit file immediately. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the ongoing challenges I am facing in removing fraudulent items from my credit report. Despite my initial attempts and the provision of supporting documentation, the fraudulent entries persist, causing continued harm to my creditworthiness and overall financial well-being. 

As previously communicated, I have attached copies of my credit reports highlighting the specific fraudulent items, along with the supporting documentation that unequivocally establishes the illegitimate nature of these entries. 

Despite these efforts, the fraudulent items persist on my credit report, and I have not received any satisfactory resolution. I understand the gravity of identity theft and the necessity for swift resolution to protect both consumers and creditors. 

I am requesting, once again, that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this follow-up complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$650.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Since the COVID19 pandemic, we explored our options with this company to help alleviate the stress of paying our mortgage. My husband applied for a forbearance plan and was approved, according to LoanCare. We have called several times because we keep getting loss mitigation letters in the mail. We have yet to receive anything confirming the plan. They claim that we will get something soon. They seem to be in a rush to damage our credit but not in a rush to send out the forbearance approval letter.
Product: Checking or savings account

they charged my savings account a withdrawal limit fee of {$60.00} for the month, no where in my contract or opening of my savings account was i told verbally or written that this would happen. I have never been charged this fee, I filed a previous complaint several days ago because they also charged me a $ XXXX monthly fee to my checking account again previously never being charged a monthly and never been told that I would be verbally or written this whole time Ive had my accounts