23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a XXXX HAFA short sale on XX/XX/XXXX by XXXX XXXX the first mortgage holder. I also has a 2nd lien from XXXX XXXX XXXX XXXX/Synovus. I was notified on XX/XX/XXXX from XXXX XXXX and XXXX XXXX that they would consider a {$7500.00} payment from the first lien holder. Six months later I had negotiated a contract and the condition for the first was that the XXXX could get {$6000.00} which was negotiated in the contract. When I told XXXX XXXX XXXX XXXX I had a contract and was ready to close they said they would NOT forgive the debt ( {$55000.00} ) but would release the lien to allow it to close. The payment was only {$55.00} a month at the time and I did n't know what else to do. Although, a condition from XXXX was never met.. '' prior to releasing any funds to a subordinate mortgage/lien holder, the servicer through its agent must obtain written commitment from the subordinate lien holder that it will release the borrower from all claims and liability relating to the subordinate lien in exchange for receiving the agreed upon payoff amount. '' The clear intent of this government program was to help customers who were underwater on the values of their home to avoid foreclosure. XXXX XXXX XXXX XXXX  refused to accept ANY funds, even if it reduced my liability. They clearly skirted the real intent of this program by not accepting any funds thinking they could still go after the borrower for the full amount of the lien. How can they arbitrarily pick and choose which customers they decide to accept the short sale on and which ones they do not? I met all the terms for the HAFA program. I closed on the short sale XX/XX/XXXX and never signed a new note or understood the terms at closing. On XX/XX/XXXX I received a " Demand for Immediate Payment '' letter for the {$55000.00} which was the first notification I received although I had been paying the {$55.00} on time. Apparently it was a 10 year note and it was due. They gave me 10 days to pay off the note. I hired an attorney and have been trying to settle. I offered them {$10000.00} ( which I do n't think I even owe that ) and they would NOT accept any payment but wanted the entire amount. The question is.. was in XX/XX/XXXX a 2nd lien holder under a HAFA loan allowed to not accept any monies and in turn go after the full amount from the borrower? In the servicing Guide of XXXX, Part VII, Section 604 : Preforeclosure Sales it reads XXXX XXXX IS REQUIRING ANY PAYMENTS TO SUBORDINATE LIENHOLDERS TO BE PAID FROM THE SALES PROCEEDS AT CLOSING FOR EITHER A SHORT SALE OF DEED-IN-LIEU OF FORECLOSURE, IN EXCHANGE FOR A LIEN RELEASE AND FULL RELEASE OF LIABILITY FOR THE BORROWER. ALLOWABLE PAYMENTS FROM THE SALES PROCEEDS TO ALL SUBORDINATE LIENHOLDERS TO FACILITATE LIEN RELEASES MUST NOT EXCEED {$6000.00} IN AGGREGATE. XXXX XXXX XXXX XXXX/Synovus is requiring {$55000.00} to release the lien. Again, this was clearly not the intent of this program. My attorney felt like I was " strong armed '' in to closing this deal.
Product: Credit reporting 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. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This is my third and final attempt to get exact and accurate validation of this alleged debt account. I requested a full account audit and proof of ownership ( purchase agreement ) and there has been no transparency. Resurgent Receivables LLC is reporting inaccurate and false information. There is no debt owed. The false misrepresentation to collect a alleged debt not owed by presenting account statements. It is my right to request proof of validation and Resurgent Receivables LLC is non compliant. There is no debt owed. If proper validation was done this would be no issue, please provide proof of validation and purchase agreement. The purcahse of a debt not owed is illegal with proper validation this would have been spotted.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XX/XX/XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an unsolicited mailer in regard to re-financing my primary residence. The advertised XXXX XXXX  fixed rate was very attractive so instead of contacting the mailer vendor, I contacted my current mortgage holder, Wells Fargo Mortgage. I have been a mortgagee customer at Wells Fargo for the past XXXX XXXXs. My XXXX XXXX XXXX was above XXXX and I was " considering refinancing '' in an attempt to save a few XXXX dollars per month. I looked on my monthly statement and called the wells fargo  XXXX number, within seconds I received a call and spoke to a " wells fargo XXXX XXXX, XXXX XXXX out of XXXX XXXX XXXX XXXX. He asked me what I received in the mail and could I send it to him, I did. While on the phone, he said " he could match the XXXX XXXX fixed interest rate '' This is where the deception began. I answered his questions in regard to my income, my XXXX XXXX, my desire to reduce my monthly mortgage payment. Then he asked me if I would fill out an application. I clearly told XXXX I did not want my credit report pulled. I am familiar with how hard inquiries work and how they can affect a credit score. On a recorded line, XXXX clearly told me the application was going to come directly to his desk, upon receiving it he would review it and call me back before moving forward. When I emailed XXXX the application, I followed up within minutes with an email stating that I stopped the application because Wells was asking for too many documents at that time and in that email I stated XXXX XXXX ) XXXX times " do not pull my credit ''. Within XXXX minutes of this fiasco, I received a notification that my credit had been pulled by Wells Fargo. I was furious. I emailed XXXX and he claimed he was at lunch and began back pedaling about the credit report .I filed a complaint with the XXXX XXXX XXXX including an appeal. As noted I have worked my entire life to maintain an excellent XXXX XXXX, this fiasco that began XXXX XXXX  ago has impacted my score by XXXX points. I've talked via phone with Wells Fargo complaint department ( first with a gentleman named XXXX and later a woman, XXXX XXXX. They both indicated hard inquiries can be reversed. Keep in mind I have been with Wells Fargo Mortgage and never have I've been late with a payment, not even one day late. The XXXX XXXX XXXX although helpful was not able to help me achieve this reversal, they recommended your agency. 
Something so simple as a credit inquiry reversal for a XXXX XXXX XXXX man who lost his spouse to XXXX XXXX on XX/XX/XXXX after XXXX XXXX of marriage has fallen on deaf ears. Please help me so these re finance deceptive sales practices can end. If at the beginning on XX/XX/XXXX, XXXX would have said a hard credit inquiry was necessary to move forward, I would NOT have consented to the application, but he didn't and he lied to fill his pipeline with another application. Thank you, XXXX XXXX
Product: Debt collection

The company, PORTFOLIO RECOVERY, purchased a debt from another company and I had no involvement with the transaction according to 15 USC XXXX I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XXXX XXXX XXXX, congress enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Payday loan, title loan, or personal loan

I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning EXPERIAN XXXX XXXX will be liable to me for statutory damages for EXPERIANs & XXXX misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Product: Debt collection

I am getting calls from a company named XXXX. They call me all day every day while I am working. They also yell and me and are rude. They never state their information such as where they are located or business information. The number they are calling me from is XXXX.
Product: Debt collection

I went to the hospital and was discharged on the same day, XX/XX/2023. Preferred Collection Management Services , Inc. contacted me via mail on XX/XX/2023. This is well after the five days they should have reached out, which means they are in violation. I received mail from Preferred Collection and Management Services , Inc., stating they were collecting my debt. I called the original creditor, XXXX XXXX XXXX, and filled out documents requesting financial assistance. I qualified for assistance and got my debt reduced by 90 %. So the original debt of {$5200.00} turned into {$520.00}. 

I requested a debt validation letter in XX/XX/2023 and received mail on XX/XX/2023. The letter stated I still owed the {$5200.00} when the information they provided and obtained from the hospital clearly said I didn't anymore. I now owe just the adjusted amount of {$520.00}. This is a false collection. And they can't say it isn't because they even sent me documentation saying I no longer owe that amount.
Product: Debt collection

This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have something inaccurate on my credit and I sent a letter demanding validation. Pursuant to Section 809b of the FDCPA to the creditor. They sent me back validation for an account that was not mine and per my letter, they were unable to validate this account within 30 days of receiving the letter in XXXX of this year. They have not removed the account from my XXXX, XXXX or XXXX credit reports. I need them to comply with the law. I sent the letter certified and they sent me invalid information for an account that was not mine. I spoke with them and proved to them it was not me and still have this showing up on my credit 4 months later.
Product: Credit reporting or other personal consumer reports

All my credit accounts are in perfect standing. According to my XXXX profile, my credit is considered " Exceptional '' - I have never been late, my debt ratios are getting lower. and therefore, my scores have increased because of that fact. However, XXXX XXXX XXXXXXXX stated that Trans Union alone sent them information, and based on that information XXXX XXXX XXXX  dropped my credit score by XXXX XXXX, which is unheard of, especially for me and my credit. My total debt is decreasing every month, No new credit is being accepted, my payments with all my creditors have been " Flawlessly '' on time. All of my other credit scores have been based on my history with my original creditor. 
My XXXX credit scores have constantly gone up because of my payment history, and the reduction of my overall balances. So have my other accounts with XXXX XXXX XXXX XXXX XXXX and all my other Credit accounts. My scores have all gone up! Despite what the Credit Bureaus state, because they raise your scores, or lower you scores based on what you bank or credit issuer sends them each month. My History is stellar, and therefore, my scores keep elevating each month. However, XXXX XXXX XXXX  contends that " Trans Union '' dropped my scores ...! What a lie..! They have not bearing on my accounts..! they only report what my creditors give them. if its, bad payment history, or late payment history ... then they can use this information provided by my creditors to come to an " Overall '' score.. 
So, XXXX XXXX XXXX lied by telling me that untrue fact. I've worked with credit and repair companies. I know how credit works.. ( Inside and out ) and therefore, there is not justification on why all my other scores are soaring and going up, when XXXX dropped mine by XXXX points..!! It doesn't make sense. You can not have a credit drop that significantly, when all my credit balances and payments are constantly going down and reaching almost a fully paid or XXXX status. 
This isn't the only time, Banks have done this. They purposely drop scores to continue to make money with the Credit Bureaus for sub-standard credit scores and therefore charge higher interest rates on loans, credit cards, and the like. They have nothing to stand on to justify why the severe drop in my score. XXXX lied when they said TransUnion gave me that score..But none of my other accounts have been affected by Transunion - as my scores have all gone up. Interestingly enough. my TransUnion went from XXXX to XXXX. My XXXX went from XXXX to XXXX, and my XXXX from XXXX to XXXX. These are all true so how would my XXXX drop XXXXXXXX XXXX  below my two credit scores of : XXXX for XXXX and Transunion? Doesn't make sense. 
I will also contact an Attorney pending the results of this inquiry, because fraud is going on and these banks think they're slick. It's not the first time many banks got in trouble from Lawsuits because of unethical business practices. Well, this is another one, and I bet I'm not the only one they are doing this to. I can't wait for your response. 

Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have been trying to get Experian to erase a fraudulent XXXX account off of my credit report. I have tried calling, mailing, and online disputes. I have a FTC identity theft report and a police report. They refuse to take this account off of my credit report and informs me the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 


XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 blocking the erroneous information which 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which 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 XXXXXX/XX/XXXX.