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

Hello CFPB this complaint is in response to affirm on the previous CFPB complaint ID # XXXX That affirm is accusing me of opening a loan with them to purchase from XXXX I have contacted XXXX on XX/XX/23 spoke to a representative by the name XXXX may gave them the XXXX order XXXX XXXX affirm is accusing me of and upon verification from the XXXX representative they XXXX not find that order number to be associated with my XXXX account will provide supporting documentation attach to this complaint, additionally since I believe this was fraud Im requesting affirm to properly investigate this matter as I dont believe they are, they are saying an electronic signature was used for this loan then there should be a digital trail left behind from that so please provide proof in what location that digital signature was made also if this was for an XXXX order please provide the tracking number that was used and what location this order was delivered to?
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Mortgage

I would like to lodge a complaint against Wells Fargo Mortgage. I think they r practicing XXXX and age discrimination. 

Full complaint has been attached
Product: Mortgage

I have been attempting to rectify my mortgage and credit score with chfa & XXXX since XX/XX/year>. This has not yet been rectified. 1. I continue to receive various bills for different amounts all due on the same date. This needs to be resolved. I need one statement per month only.
2. My payments are subsidized by section 8 and payments are made on time. Dovenmuehle claims they were late and as a result my credit has been damaged. I had a good credit rating that was reduced to fair. This needs to be fully resolved specifically to include from XXXX to XXXXt of XXXX. 

3. As a XXXXXXXX XXXX  in need of accessibility I am requesting a contact liaison at Dovenmuehle in the Special Loans department who will be knowledgeable about my loan and special needs. My Independent Living Specialist and I spent an unbelievable number of hours and phone calls since XX/XX/year> attempting to have the account rectified to no avail. We were given different information by every different person, and no one had a clue what was going on with my account. I am in need of accessibility to access accurate information on my mortgage. This has not happened so far. 

4. I have requested a letter of apology from Dovenmuehle regarding the errors in my report. I have not received that letter. I want to provide this letter to my creditors since some of them have reduced my limits given the negative reporting from Dovenmuehle.
Product: Mortgage

I had a mortgage with XXXX and in XXXX my mortgage was transferred to Ocwen. I reviewed my credit report from XXXX in XX/XX/XXXX to discover that the XXXX Mortgage was never closed and there was a balance of {$470000.00}. However, my mortgage with Ocwen is XXXX. 

I believe that since XXXX this has been affected my credit score because the amount owed was reporting this total balance of {$770000.00}. I want to let others know that if you are not careful - you need to careful with mortgage companies. I believe this has impacted my financial wealth. I was not able to get credit in terms of a loan an credit report. I stopped applying because I was getting declined and felt embarrassed. 

I reached to Ocwen regarding this experience and they replied that they had insufficient information to remove this from my credit report. I moved on by contacting the credit agencies directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXXXXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX
Product: Debt collection

It was brought to my attention, when I was trying to rent a property and got deny. They told me to check my credit report and that's what I did. And that when I saw National Credit Systems on my credit report and it was a balance of XXXX on my credit. I told them I never live at that address in question and was not aware of this on my credit. I told them I live at another address for 11 years so that couldn't be my balance. I sent them a georgia power bill of residency and rental applications I did in XXXX my georgia power bill was from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the car lot to purchase a truck but was unhappy with the deal. Went back later and they pulled my credit without asking me to find the payoff value of my car because I would not give it to them. They ran my credit based on a text message that stated " show me your numbers '' and they ran my credit. I didn't sign any paperwork or agree to give them any information, they used previous info and ran it again and though several banks.
Product: Mortgage

Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.
Product: Credit reporting

XXXX had my current address incorrect and fraudulent activity listed ( which I am disputing ). Transunion and XXXX would not allow me to access my reports online, possibly because they have the wrong current address, despite me residing in the same place for over three years. I am concerned the Transunion and XXXX have incorrect and fraudulent activity I also need to dispute.
Product: Credit card or prepaid card

I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to you all back in XX/XX/XXXXabout some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX, I purchased a two family home in XXXX, MA ( XXXX XXXX XXXX ; XXXX, MA XXXX ). The primary mortgage was in the amount of {$300000.00} and the second mortgage was in the amount of {$75000.00}. While my debt was owned/serviced by Bank of America ( hereafter, " BofA '' ), I qualified for HAMP  modifications due to unexpected and unforeseen costs associated with the property. 

The primary mortgage was eventually assigned to XXXX in XX/XX/XXXX, which assigned it to XXXX in XX/XX/XXXX. This mortgage is current. 

The second mortgage was extinguished through a modification in XX/XX/XXXX but BofA never filed the lien release. BofA has, however, has reported the account as " paid/closed '' /satisfactory since XX/XX/XXXX ( documentation provided ). 

Pursuant to a HELOC application with another lender, XXXX XXXX, a title search turned up the existing second mortgage lien. Since XX/XX/XXXX, I have been unable to successfully get BofA to commit to remedying. Although he is my assigned point person, I am not able to reach XXXX XXXX ( his calls always go to voicemail ). I was able to finally speak to him once on XX/XX/XXXX, at which time he indicated that BofA was researching whether the loan was a 'charge off ' ( though it was modified and reported to the agencies as such ( paid/closed ) for close to 8 years ). He indicated that it could take an additional 15 days to complete the investigatory process. XXXX XXXX wrote on XX/XX/XXXX to identify herself as the point of contact, although XXXX XXXX had stated an hour earlier that he was the point of contact. I do n't have much confidence that my case is not caught in a bureaucratic black hole. 

Given that this account was closed in XX/XX/XXXX, more than 7 years ago, that BofA is not remedying the situation immediately is exceedingly problematic. 

The case is indexed with the following internal BofA commit number : XXXX My details : XXXX XXXX ; XXXX ; Property Address : XXXX XXXX XXXX ; XXXX, MA XXXX ; Phone XXXX
Product: Credit reporting or other personal consumer reports

multiple inquiry 's listed are not mine victim of identity theft attached is my theft report XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX CXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting

XXXX County Reg XXXX. Too old to be on file please delete.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with XXXX XXXX XXXX. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?
Product: Debt collection

In XXXX, I borrowed {$3000.00} from CASHNET USA. I started paying, but then had financial hardship. My total balance owed is {$2500.00}. In XX/XX/year>, I was contacted by a collections agency called XXXX. I started paying them {$50.00} every two weeks so I could pay down my debt. A few months later I started receiving calls from CASHNET USA. So I got suspicious and started wondering why am I paying XXXX and CASHNET USA is calling me. I finally answered their call one day and the representative said they never sent my account to collections. I have been paying a collection agency that my account wasn't even sold to. This is fraud and extortion.
Product: Credit card or prepaid card

I have been victim of identity theft over two years ago and am still having new accounts opened with my stolen personal information. 
The company CashApp has continually sent me debit cards for new accounts that have been opened in my name. I have received nearly 10 different cards with my information on them. Their customer support and fraud team is disappointing to say the least when it comes to providing help to close these accounts. 
I am asking for your support in getting this company to cease allowing anyone to open accounts using any of my personal information.
Product: Mortgage

Dealing with covid XXXX I was greatful enough to be put in a forbearance after being furloughed. However since that its been chaos being able to get this resolved. I have been lied to, blamed, discriminated embedded in bluntly miss represented. This company Servbank has taken over my loan they have been falsifying and giving me incorrect information and forcing my home into a suspended foreclosure. I have submitted several complaints against not only the custom allies, but the representatives that I have speak into the supervisors they are very knowledgeable, but very inconsiderate as well. I have been dealing with getting a standalone partial claim for the past XXXX months. This matter has taken so long that it has put me in deep, XXXX and XXXX on losing my home. Today I decided to submit a actual complaint with the consumer financial protection bureau, because this matter is so important to me, and I dont wan na lose my home. I hope I can get this problem. Rectified from the false forbearance l that they have informed me that I was on and the false news that they informed me. Yesterday the Customer ally name XXXX was extremely rude and very inconsiderate. Stating that it is my fault that I am in the status that I am in and trying to force me to make a payment. However, my account is in suspended for closure, and I am not allowed to make any payments. This is the third customer ally that I have received and I have no hope for this company and pray that I get my home out of this suspended foreclosure to refinance. And I am hoping to get this matter resolved as soon as possible but if anyone could help please do.
Product: Debt collection

NEVER HAVE I EVER GIVEN CONSENT TO THIS COMPANY TO EVER HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION. I HAVE NEVER AGREED TO DUE BUSINESS WITH THIS COMPANY ON ANY TERMS EVER!!! 

On multiple occasions I have attempted to resolve this ongoing issue of identity theft with CAINE & WEINER for fraudulently purchasing my nonpublic personal information and furnishing inaccurate and deceptive information to my consumer report via the consumer reporting agencies. This has hurt my consumer report immensely and has effected me of being approved for jobs, insurance, and dwelling. I am attaching all documentation below. I have also sent my complaint over to my state 's attorney general consumer affairs department. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized and was done by that creditor without permission! Please remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting. States i have the right to privacy. 

and these thing are wrong on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.