23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

All the responses that the mortgage company gave to the CFPB was false. These things need to be looked into and addressed properly. The false statements made to me by the company is in bad faith willing and with intent.

1. Address an answer these questions I've had previously pertaining to this matter.

2. Is the company still standing on the fact that the company didn't do any wrongdoing by omitting the information I asked about? 

3. Will the company resolve this issue legally and lawfully? 

4. The account in question, I have not had access to for over 8 months now because of it being in litigation status to date. Of XX/XX/2024. Will I still be able to use the VA Act for this incident thatvwas not caused by me? 

5. Will all staff that gave false statements and misleading information be retrained or terminated?

6. How can they company lawyer state in open court on documents that they did nothing wrong if this letter and transcript exist, when they have had knowledge of this for before I did. 

7. Is my home in foreclosure status if so when did it gain that status?

8. Does the company Acknowledge that I still say I don't owe the debt? 

9. Will the company Acknowledge the special endorsement that was received by XXXX XXXX? 

10. Will the company like to resolve this issue outside of court. 

11. By company bylaws is this a violation of any law, acts, or regulations to date? 

12. Will there be some higher-level personnel to address this issue? 

13. Will the perjury committed in court be address? I can prove the documents if need be.
Product: Mortgage

My loan was sold from XXXX XXXX XXXX  to AmeriNat. I then refinanced with another company a number of months later. AmeriNat has failed to return my escrow account monies for 2.5 months after closing. I have spoken with the manager numerous times and have been promised that I would receive a check in the mail now for over 3 weeks.
Product: Mortgage

Shellpoint/NewRezXXXX XXXX continues to harass me and attempt to foreclose on my home. 

There is collusion.
Product: Debt collection

These companies buy debt for pennies on a dollar and expect you to pay it back even though you went through identity theft
Product: Mortgage

I have a loan serviced by Shellpointe. The original XXXX loan amount was {$600000.00} with % 10 down with the understanding the PMI would automatically be dropped once the loan reached 78 % which it did a few months ago. It is now at 74 % LTV. All payments have been current. I have called repeatedly and filed written requests to remove the PMI to no avail The company sends requests for appraisals which I shouldnt have to pay for since the PMI by law should have been removed.
Product: Checking or savings account

My identity was stolen online. Charges are being made to my PayPal which draws from my bank. They have my drivers license # and necessary info to make charges to my PayPal account that appear to be authorized. Untrue. I can not close the Paypal because they have an existing amount pending as soon as funds are available in my bank account. The transactions were made through PayPal on XXXX the name used on both charges of {$440.00} and {$450.00} XXXX XXXX XXXX. The XXXX was taken out of my bank account on that date. The account was drained and the other charge awaits. because they have the existing charge I can't close the PayPal to stop them. I have notified my bank and they are working on reversing the one charge and then we will close my bank account. But Paypal needs to close my account those charges do not continue. They posed as the security system on my computer so I let them work remotely on desktop computer. they said I was going to get my annual fee returned because of Covid19.  I thought since they knew my fee they were legit. In the amused process they claimed they were having difficulty depositing into my bank, so they took me through PayPal and XXXX XXXX which needed a copy of my Drivers License which I sent email picture of. They posted {$2000.00} to my bank account which I could see and they sent a printed copy of to me via my printer. Themn I was supposed to purchase giftcards for XXXX each on different credit cards and I could use that XXXX to reimburse the credit cards i would us. Only my debit card was used to buy a XXXX XXXX gift card for XXXX. I gave him the number of the card. when I got back home none of {$2200.00} could be seen in my bank account. They had me believing that my computer was under threat from four countries so my security needed to be changed for each of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}
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, CA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items 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: Checking or savings account

On XX/XX/XXXX my XXXX accounts were compromised. They gained access to all of my stored passwords which included my bank account credentials. They used these credentials to gain access to my online account to make purchases totaling just under {$80.00}. These were caught by Chase as fraudulent and my debit card was then deactivated. I spoke with Chase and explained the situation. Within the week, on XX/XX/XXXX they had refunded the full amount to the account. On XX/XX/XXXX, the funds were taken from the account by Chase as they discovered the charges were made from my personal card, using my phone registered with the bank mobile application. I explained to them that these transactions were fraudulent again and they claimed that I had made these purchases since it was coming from my phone and my account. I explained that my accounts were compromised and anyone could have had access to these accounts. I also explained that the location, XXXX and XXXX, was listed as last login points from when my accounts were compromised and the people responsible for compromising my accounts were making purchases on XXXX   websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention an issue that has caused considerable concern. Upon a thorough review of my Transunion credit report, I have identified 23 inquiries that do not seem legitimate. Specifically, the hard inquiries made by XXXX XXXX on three separate occasions in XX/XX/2022, and other inquiries from entities such as XXXX  XXXX, XXXX and XXXX indicate potential fraud or unauthorized activities on my account. Additionally, other entities like XXXX, XXXX On The XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX made similar unauthorized inquiries around the same time frame causing significant damage to me unnecessarily regarding creditworthiness issues. I must also state that similarly unauthorized requests were made by XXXX XXXX XXXX  XXXX ( on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ). Having successfully disputed these attacks against my XXXX report in the past has given me hope for a quick resolution for a complete investigation with immediate initiation into this matter by Transunion. knowing high urgency drives results. I expect confirmation upon cessation of review & their respective removals, renewing confidence extending good faith towards quick resolution while standing willing to share further exchanges at XXXX. Thank you for your prompt attention devoted actively disarming unlawful third party predators stand warrantied deflagration completely & professionally resolved making things right again.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX - to XX/XX/XXXX I've had several Capital One attempts to open lines of credit. I have not attempted to open a credit card with this card company because I already have XXXX accounts with them and I've received notices about my information being compromised in the XXXX XXXX breach I've tried to dispute these hard inquiries with no resolve. I have not tried to open more accounts this is absurd and it is ruining my credit score I have a goal to purchase a home these constant hard inquiries are hurting me and it doesn't make sense to keep making them with the same company I have an account with.
Product: Credit reporting

On XXXX XXXX of XXXX I cancelled phone service with XXXX after 10 years as they were very rude to my wife and I and very unresponsive to numerous issues over that last 12 month period of service. I had moved my primary phone to XXXX in XXXX of XXXX due to service issues, and left XXXX lines with XXXX hoping they would improve there service. We were on month to month service plan and there was not a fee for canceling or moving service to another carrier. We paid our final XXXX bill for service in XXXX of XXXX when it came in. 

Then XXXX charged a cancellation fee of {$350.00} but never sent a bill to me. I did not owe a cancellation fee since we were on month to month service agreement. I did not find out about this until XXXX XXXX, XXXX when I ran an Experian credit report. XXXX had turned the bill over to XXXX XXXX XXXX in XXXX of XXXX and they never sent me bill. I never received a bill regarding this from XXXX, and did not receive anything from XXXX XXXX XXXX until I called them and paid them in full on XXXX XXXX, XXXX after tracking down a phone number and verifying what it was about. XXXX sent me confirmation of payment in full on XXXX. I paid it to simply get it off my record. I did not owe it in the first place. XXXX Instead of trying to provide adequate service to a long term customer, came up with a cancellation fee that did not apply in my case. And damaged my credit thru XXXX of XXXX with a collection account from XXXX XXXX XXXX. 
XXXX has removed this from my file. I would like XXXX and Experian to remove XXXX XXXX XXXX from my credit file.
Product: Debt collection

In XX/XX/2022, I received a settlement letter from XXXX attorney it was forwarded for settlement to Freedom debt relief so they could pay them off but they took no action and did not pay them off and they fail to reply to me why no action was taken. Today I'm still waiting on a response to settle this account. this company fail to settle my account as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account one experian for years. It has been opened and closed fraudulently. I sent in a few affidavits to experian and they dont do anything about it. They just say XXXX XXXX claims this account is valid but they dont send any documents or proof that this account does belong to me. I spoke with XXXX XXXX and they really dont have the best customer service I called and they were ready to do an investigation with the account that popped up and I didnt even give her any of my information yet. It took about 3-4 times for her to understand I was calling on an account that was listed on my credit. I then asked if this account is verified why havent I receive any documents or proof? The information she provided to me ie : address email etc didnt belong to me and never belonged to me. I have given them my new information for the investigation and now Im worried theyre going to try to change the information just to say the account belongs to me. Mind you they have been removed from my other credit bureaus experian is the only one saying theyre saying this acct is valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request I sent to XXXX and Trans Union on XX/XX/XXXX. Both have taken longer than 30 days to respond.
Product: Credit reporting or other personal consumer reports

My account with Net Credit was shown charged off on my credit reports and was managed by 3rd Party ( XXXX ) in XXXX of XXXX. In XXXX, I reached out to them to try to settle the account that showed a balance and charged off, due to purchasing a home. I requested a 1099-C, but was told the account is in collections and the debt has not been charged off. I shared with them that the account was originally charged off in XXXX. Net Credit has violated my rights under the FCRA to accurately report items to my credit report. Currently, Net Credit is showing Collection/Charge off on this account with an open balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX I received a phone call from a clerk at the courthouse. She proceeded to tell me that I was being sued and there's a lien on my property and a officer would be at my home shortly to serve me with papers. I asked her what was this about. She said I should have received a letter in the mail informing me what was going on. I told her I didn't. She told me to call the number she provided to get more information because she was allowed to do so. I thought that this was a joke because I knew I didn't owe anything due to the fact I checked my credit report every single week and there was nothing negative on it. So I proceeded to tell my husband you need to call to find out what was going on because I thought it was about him since there wasn't anything on my credit report. He proceeded to call the number I gave him and he stated they were very rude and told him we can't talk to you we need to talk to your wife. I was at work and had to take some time out of my schedule to call and find out what was going on. Why was there a lien about to be put on my property, when I knew I didn't owe anything? The representative I spoke to proceeded to tell me this was regarding a breach of contract from Bank of America. I advised him I never received a letter or anything. He stated this was an account open back on XX/XX/2003 and I owed {$21000.00} but they are willing to settle for {$6700.00}. I advised him I do not have that amount of money but I was fearful he stated they are willing to settle for {$3700.00}. Because I was scared of losing my home. I paid that amount on another credit card ( which I'm still paying because I don't have that type of money ), but I couldn't see another way out. I feel deceptive practices and intimidation was used to get me to pay. This was a 20-year-old debt that should have been and was dropped off after 7 years. They never gave me a credit limit of {$21000.00} and they use fear tactics to get me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to XXXX  and Trans Union on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered some fraudulent accounts listed. Please remove these accounts as they are negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXXXXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so XXXX. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

Subject : Formal Complaint Regarding Unprofessional and Potentially Fraudulent Conduct by XXXX and XXXX Dear Sir! 
I am writing to formally lodge a complaint against XXXX and XXXX, a company that has been contacting me in an unprofessional and potentially intimidating manner. The representatives from XXXX and XXXX have left messages claiming to be a law firm and have repeatedly stated that they possess my social security number and all of my personal information to file a lawsuit against me. Additionally, they have been reaching out to me via text messages and phone calls, urging me to settle a supposed fee of {$210.00}. 

Upon clicking the link in XXXX of their text messages, I was directed to a payment page, which seemed unusual and raised concerns about the legitimacy of their claims and practices. I am distressed by their methods, which feel overly aggressive, invasive, and possibly designed to induce fear. I have not received any official documentation substantiating the claims or detailing the alleged debt. 

I am requesting that XXXX and XXXX cease all communications with me, as their tactics have been unsettling and unprofessional. I am also seeking guidance on any necessary steps I should take to protect my information, as well as to understand if this matter warrants further investigation for possible legal or consumer protection violations. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.
Product: Debt collection

I have filed a complaint 2 Timws with XXXX.i have paid the account in full, and they still call me at least 2 to 3 times a day. There is no need for wells Fargo to continue for harrsement If the account paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.