23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 

XXXX XXXX XXXX : # XXXX Also the address : XXXX XXXX XXXX XXXX, MI XXXX Address ID # XXXX have violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without
a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of infor
mation : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C.6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

This is account is from a collections agency trying to collect. I have never given permission for my personal information to be given to any 3rd party or to be used in opening such accounts under my name without my knowledge and consent. This is a fraudulent account, my information was provided to a collections agency which I never authorized. They never verified any information, and are reporting items on my credit without validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I am a legal aid attorney assisting a homeowner who is in foreclosure but has applied for loss mitigation and HAF, and who is also being assisted by a XXXX housing counselor. 

After the homeowner applied for XXXX and loss mitigation, I filed a Motion to XXXX the foreclosure action, providing notice to the servicer of the pending HAF application ( as Florida 's XXXX XXXX does not otherwise communicate directly to the servicers. ) The Motion to Abate is attached.

Rather than taking steps to pause the foreclosure, the servicer bank responded stating I was " deliberating [ sic ] trying to avoid answering Plaintiff 's Complaint and delay this action. '' The Response is attached. 

The servicer then forwarded approval of a Flex Modification on XX/XX/2022. Again, rather than pausing or taking no affirmative steps on the foreclosure, the servicer served discovery ( Requests for Admissions, Request for Production and Interrogatories ) on the homeowner. I was forced to file a Supplement to the Motion to XXXX, requiring additional action on behalf of the homeowner that should otherwise not have been required. The Supplement is attached. 

The servicer 's actions in court demonstrate ongoing dual tracking, with the servicer moving the foreclosure forward in court despite engaging in loss mitigation and being aware of a pending HAF application.
Product: Debt collection

Good morning, To whom it may concern, I have been paying my debts/obligations for a year now. My goal is to purchase a home, being a first time buyer. I went thru classes /and credit counseling to prepare for it. My credit score has increased, but by few points and it had decreased a few times because of the collection agencies. 
The creditor is XXXX. XXXX was paid in XX/XX/2019.But to this day 3 collection agencies are threatening me and sending me correspondence to pay up, and calling me. I called and XXXX to confirm in XXXX, XXXX, XXXX, XXXX, XXXX that i dont owe nothing, and the have. 
XXXX XXXX ( XXXX ) XXXX XXXX, FL. ) - stating that i owed XXXX and that i owed $ 360- $ 500..I argiued with them that i did not.I called XXXX tthey told me to look in my account history and print it. I did and sent it to XXXX  and to XXXX. Still XXXX has it on my account and now a new Collection agency .. CREDIT COLLECTION SERVICE  ( XXXX ) XXXX-IN in XXXX MA ) Has that i owe XXXX ... .i argued with them, they have me opened a XXXX account in XX/XX/2019 owing XXXX! They called me, threatened to take legal action and trying to collect the amount. ( XXXX ) now my credit score has gone down.i have paid my bills on time as agreed, cleared up my obligations, disputed errors .When score goes up, these collection agencies hit my credit report and it goes down.how can i stop them from hitting my report, and get back my points! this is unfair, deceptive and abusive practices. Im not giving these people a dime, and i fear the will go into my account. They tell me that XXXX AUTHORIZED the collection! XXXX say they did not! I HAVEN'T OWED XXXX SINCE XX/XX/2019 ... .I NEED HELP!!!! I WANT MY OVER 20 POINTS BACK THAT I WORKED HARD TO IMPROVE WITH FINANCIAL HARDSHIP!!!!!!!!! NOW I HAVE TO EXPLAIN THIS TO UNDERWRITTERS THAT IM NOT LATE PAYING THIS BILL THAT I DONT OWE.MY SCORE WAS IN 600 'S NOW ITS 580 'S!!!!!!!! THIS IS IS UNFAIR! BUT I HAVE TO WAIT TIL SCORE GO BACK IN 600 'S ... .BUT HOW???? i HAVE ADDRESSED MY CONCERNS, MULTPLE TIMES WITH XXXX, CREDIT BUREAU, AND COLLECTION AGENCIES.XXXX   BLAMING COLLECTIONS AGENCIES AND CREDIT BUREAUS PLEASE RESPOND IN KIND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. The company set up a website, www.equifaxsecurity2017.com, that consumers  can use to determine whether their information was compromised. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I RECENTLY CHECKED MY CONSUMER REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES.
Product: Mortgage

Please help me. 
My loan was sold to XXXX XXXX XXXX and they use LoanCare , LLC to service their loans. I received emails and a letter on different dates from LoanCare that nothing will change, relax and we will handle everything. They did not withdraw my XXXX payment, even though they sent emails on different dates, constantly changing when they will withdraw. Even their letter had a date of autopay l but they didn't. One agent said maybe we tried to but there was insufficient funds and I said how dare you!!! There was never an attempt and I have all these emails from your company changing the dates of autopayl!!! Then customer service said they will withdraw on XX/XX/. I said no, I want to pay for XXXX in XXXX and XXXX in XXXX... so I paid online via their website on XX/XX/. The same day, XX/XX/ I received an email that they paid my property taxes on XX/XX/XXXX 

I also want to mention that all their emails say nothing will change with your loan. But they changed the autopay date to XX/XX/. When I called and said why would you do that when my payments were always taken on the first of each month with my original loan company, the customer service rep changed it to XX/XX/, but doing this they said may have screwed up the system. Again, they are the ones who changed dates... 

Then I tried calling them and there was a recording that their website was compromised. A day later they had a different message. Next day I finally got through but agent said they were hijacked and have no info on me, my loan, anything. This is a week now and the website is still down and customer service has no info such as if they will be able to withdraw my XXXX mortgage or when. They can't even take it over the phone because they don't have access to my information. 

Then I called the Tax Assessors office today and automated said my tax bill is due on XX/XX/, which means they did not receive my payment that LoanCare , LLC said they paid. 

If for some reason my tax payment is not received by due date I will pay again, which will hurt me financially but I have no choice. 

I am scared that my mortgage will be delinquent if I have nowhere to pay it. I don't want to lose my home. I am like all Americans trying to hang on to what we have and I feel like I am being taken. 

LoanCare , LLC would not give me a phone number for XXXX XXXX XXXX. I can't find it online. I found some info on XXXX. I don't see a phone number there either. 

Please help me. I have read bad reviews about LoanCare and now there is a XXXX page where people are in the same situation as me and we are all scared and frustrated. 

Thank you.
Product: Debt collection

Contacted XX/XX/XXXX will bills for 2 dates of service stating : You owe XXXX. 

If you contact prior to XX/XX/XXXX we will cease collection on your account. 

I mailed a letter disputing these charges and validation specifics. on XX/XX/XXXX I have gotten no response. 

I was reported to XXXX for unpaid collections on XX/XX/XXXX for these bills from XXXX. Prior to the given experation I contacted via web a week later, nothing. 

However I was involved in a data breach in XXXX by health insurance which provides all of this data. 

I confirmed with XXXX XXXX, I have nothing outstanding. Furthermore they have no bills for one of the dates and the other was paid. 

Im a medi-medi, so what they are doing is againt so many laws in CA XXXX XXXX=Phoenix Financial Same agency Not licensed to collect debt in CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 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 Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$510.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$71.00} ACCOUNT NAME : ACCT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$140.00}
Product: Debt collection

THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. 
THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. 

they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account
Product: Debt collection

I was a XXXX customer from XXXX XXXX XXXX  when I cancelled their service due to a drastic reduction in download speed, due to the busy tourist season in this area. The entire time I was a XXXX  customer, my monthly payment was auto-drafted by XXXX, from my XXXXXXXX XXXX Acct ( see attached ). After I cancelled in XX/XX/XXXX, XXXX sent me an empty, addressed return box for their equipment, which I gladly returned, and I called XXXX  on XX/XX/XXXX to verify that they had received the return of their equipment. On XX/XX/XXXX XXXX auto-drafted my account XXXX. I called XXXX and they confirmed that it was erroneous charge. XXXX reversed the charge. For the next 6 months, every month XXXX auto-charged my XXXX account XXXX, then XXXX then XXXX. With each autodraft, I called XXXX  to verify that I did not owe them, and I called XXXX to reverse the charge. Finally, in XX/XX/XXXX XXXX put a block against XXXX  so that they could not autodraft my account any more. At that point, XXXX turned the erroneous debt over to Eastern Account System, a debt collector and I began calling them and asking them to produce a detailed bill from WOW, describing what " services '' that they provided to me that I owe them XXXX. To date, neither company has complied with my request for a detailed statement of the " services '' that they claim I owe them. At one point in XXXX, XXXX  told me to contact another company, XXXX XXXX and when I spoke to them, they said that they had a note to send me a " refund check for the erroneous equipment charge, '' but they confirmed that I never cashed any check from them, and that they had voided the check. I called XXXX and Eastern Debt Collections and explained this to them and asked them to please look into this. As of XX/XX/XXXX, XXXX at Eastern Debt Collections refuses to ask their customer, XXXX, for a detailed statement of the services that they are billing me for and XXXX refuses to send a detailed statement and now refuses to discuss the account with me, even though I provided my name, address, acct number and last payment date. At this point my credit score has dropped from an XXXX to XXXX as a result of this single, monthly negative report from Eastern Acct Systems on behalf of XXXX. With this harm, I am no longer in the position to purchase a newly built house due to the higher interest rate that the low credit score offers. According to the credit report, they intend to continue reporting this negative every month till XXXX of XXXX. Note that there are no other negative creditors on my report. The CFPB should look into these XXXX companies for their disregard of the Fair Practices and Debt Collection Rules.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate accounts on my credit report today and cant figure out the reason. My usual credit check revealed unexpected inconsistencies. I attempted to refresh my browser, assuming it was a minor error, but the incorrect accounts stayed. Therefore, Im asking for a careful examination of the documents I provided to prevent future concerns.
Product: Credit card or prepaid card

2013 account should have been closed! Charged off need it removed
Product: Mortgage

After receiving a check in the mail in XX/XX/XXXX from Wells Fargo, in what appeared to be the amount of our mortgage, I contacted Wells Fargo customer service for an explanation. I was informed that this loan was transferred to XXXX XXXX XXXX and a welcome letter was mailed to the address listed on the mortgage in XX/XX/XXXX. The check was for the XXXX payment. I informed customer service that no one had been at this address since XXXX when we moved my father to an Assisted Living Facility. I inquired why this, or any other communication from Wells Fargo had not been provided to me, as in XXXX they had been provided both a POA and Quit Claim Deed transferring this property to myself and my brother. The customer service representative was unable to provide and answer, however agreed to email me the welcome letter on XX/XX/XXXX. Upon receipt of the email, I contacted XXXX to set up automatic mortgage payments and was informed that they were unable to speak with me as my name was not on the mortgage, nor did they possess the POA or Quit Claim Deed which clearly should have been provided when the loan was transferred. After providing these documents to XXXX and requesting removal of a Cease-and-Desist order placed on the account ( which I am at a complete loss as to why one was placed on the account to begin with ), did XXXX agree to speak to me, at which time I was informed the loan had been placed in foreclosure and they further provided me a Reinstatement Quote which included past due fees, etc. 

We are at a complete loss as to why this mortgage was placed in foreclosure as it had been paid as agreed every month. If there had been revisions to the note, a transfer, etc. Wells Fargo should have communicated this to me, not randomly sending correspondence to an address which was vacant. We should not have been responsible for this loan going into foreclosure, nor should we have been subject to any fees or costs incurred. We should not have been penalized for Wells Fargos negligence in providing notice to all parties of record. 

As a result of this negligence, and our futile attempts for months to resolve this matter with XXXX, we were forced to pay over {$10000.00} in reinstatement fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank opened up 4 accounts in my name for someone and it it appears on my XXXX credit report. XXXX is suppose to ask security question to verify that the person is indeed me and now they wont remove the accounts because they say they are factual. They are not. I notice it when i tried to removed a address that i never occupied and it say those accounts are linked to a XXXX XXXX address. I want Comenity to bank and XXXX to do their job. Anybody could call or go online to open an account as anyone they have no proof that it was me and im having a hard time removing this because these companies failed to do their job in verifying if a person indeed who they say they are. Please remove the following accounts as i will be taking legal actions Express opened in 2016 XXXX XXXX XXXX XXXX
Product: Debt collection

This letter serves as a formal notice of a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ), in connection with your actions related to the alleged debt account in my name. Pursuant to this statute, it is unlawful for a debt collector to communicate or threaten to communicate credit information that is known or should be known to be false, including failing to communicate that a disputed debt is, in fact, disputed.

Under Evans v. Portfolio Recovery Associates, LLC, 889 F.3d 337 ( 7th Cir. 2018 ), the XXXX XXXX ruled that a debt collector violates 1692e ( 8 ) if it fails to inform the credit reporting agencies that a consumer disputes a debt. The court emphasized that failing to report the disputed status of a debt can mislead potential creditors or other third parties, constituting a material misrepresentation. 

Case law has affirmed my right to request a cease of debt collection communication. And Daugherty. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. court 2016 ), the court ruled that the consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my right under federal law.

Additionally, the case of Clark V Credit, and collection services Inc., 460 F3d. 1162 ( 9th Cir, 2006 ) reinforces the consumers rights to privacy and any obligation debt collectors to honor requests for ceasing of contact. Ignoring this cease and desist demand will constitute harassment and violation of the FDCPA. 

In light of this case law and the statutory requirements, I am hereby informing you that I dispute the validity of the alleged debt in question. Any further communication of this debt to third parties, including credit reporting agencies, must reflect its disputed status.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from all communication with me regarding this debt, except to notify me of legal proceedings, if any.

Please be advised that failure to comply with this notice will result in further legal action. This could include filing complaints with the Consumer Federal Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protecting my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this in the system demand and will comply with it accordingly.
Product: Credit reporting or other personal consumer reports

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!