23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For several years ( XXXX ) I have been receiving mortgage statements with ( XXXX XXXX ) and sending mortgage payments to XXXX XXXX  XXXX XXXX because I believe them to be the lender/servicer. After going to the XXXX XXXX XXXX XXXX XXXX and retrieving documents that I needed for an audit ( mortgage documents/statements ) I notice XXXX XXXX XXXX was not listed as servicer or anywhere else in my property documents. 
So now I am confused because on my credit report for home loans listing Village Capital Investments ( {$160000.00} which now my credit report shows XXXX balance after these series of events ) and they are listed on documents that I retrieved from the XXXX XXXX of XXXX XXXX. I didnt understand why XXXX XXXX  XXXX was posing as my lender/servicer instead of Village Capital Investment . On or about XX/XX/2022, I immediately sent XXXX XXXX XXXX XXXX certified mail debt validation letter and continued with having my mortgage statement analyzed /audited. 
On or about XX/XX/2022, upon my findings of the audit I sent XXXX XXXX  XXXX a cease-and-desist letter ; in which XXXX XXXX XXXX seemed to have cease sending me statements. Only to have Village Capital Investments begin or resume sending me statements ( a week later ) with similar information as XXXX XXXX XXXX ; however, Village Capital Investments used their letterhead. Then on or about XX/XX/2022, Village Capital Investment sent me a new loan letter as if they were a new lender/servicer. So, on and about XX/XX/2022, I sent Village Capital Investments a debt validation letter certified mail. 
I dont know how they are connected and what kind of bait and switch game they are playing. Either way they are using false or misleading information in an effort to collect a debt which is a violation of the Fair Debt Collection Practices Act. 1692e ( 14 ) the use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. Which applies whenever a mortgage servicer is collecting debt ( default ). 
. I want to know : 1. Why was XXXX XXXX XXXX sending me mortgage statements? ( Different company/location and arent named on any documents as a servicer ) 2. Why didnt Village Capital Investment send mortgage statements? ( They are named in documents as the servicer ) 3. Why did Village Capital Investment send me mortgage statements? ( After I asked XXXX to validate the debt and subsequently sent them a letter to cease and desist ) 4. Why didnt either company let me know that they were affiliated? ( If they are in FACT ) I believe they intentionally deceived me for whatever fraudulent reasons. XXXX XXXX XXXX was receiving payments and did receive legal tender in full for settlement/closure/ discharge of debt. Now Village Capital Investment is sending me mortgage statements as a new loan servicer when they have been the loan servicer all along based on the documents that I retrieved from the XXXX XXXX of XXXX XXXX. 
It seems that XXXXXXXX XXXX XXXX XXXX & Village Capital investments are trying to collect payments / legal tender payoff balance twice for same loan. But disguising it as two separate loans.
Product: Credit card or prepaid card

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. 

The companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One- this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. 

I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the Capital One card canceled and all information removed about it from my credit report. 

I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Product: Credit reporting or other personal consumer reports

Its extremely upsetting to see multiple inquiries from your company on my credit report that I know I didnt agree to.
Product: Credit reporting or other personal consumer reports

I used a link to try to place a security freeze on my NCTUE report. It ended up placing the freeze online but it DID NOT generate a confirmation page or the 10 digit pin I need to lift the security freeze. Nowhere on their website does it tell you how to handle this if it happens!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out on multiple occasion to remove hard inquiries off my report. That I did no authorize and have yet to receive a response via mail
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

For EXPERIAN. The following companies have fraudulently opened hard inquiries on my credit profile without my consent. I have spent weeks trying to figure out why I keep getting inquiries and this is because of identity theft. None of these companies will respond to me and they can not verify it was me that opened them. I have already contacted the police and I will contact my lawyer if this is not fixed. I need these inquiries to immediately be removed from my credit report. This is extremely urgent as I am purchasing a house for my family and this fraud is hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of XXXX, Transunion XXXX XXXX delinquency. 

There was over XXXX in collection debt, 5 addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Product: Debt collection

I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
Product: Student loan

This letter serves as formal notice of my intent to sue Wells Fargo Bank , N.A . for the unlawful reporting of false and deceptive information to the XXXX website and for violating my rights to privacy under both state and federal law. 
harm to my financial standing and reputation and has adversely affected my ability to secure appropriate financial assistance for my educational needs. 

Furthermore, this unauthorized disclosure of my personal financial information constitutes a violation of my privacy rights under applicable laws, including, but not limited to : XXXX. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX of false and deceptive information is a direct violation of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX ), which prohibits any unfair or deceptive acts or practices in the conduct of trade or commerce. The misleading and inaccurate reports submitted by Wells Fargo constitute deceptive practices that have caused me financial and reputational damage. 

XXXX. **XXXX XXXX XXXX Wells Fargo has also violated my right to privacy by unlawfully sharing and disseminating false information, which has caused both emotional distress and financial hardship. 

I demand that Wells Fargo Bank , N.A . immediately cease and desist from further reporting false or misleading information regarding my student loans and financial records, and that you take corrective action to rectify the damage caused by your erroneous reports. 
If this matter is not resolved within [ XXXX ] days of receipt of this letter, I intend to file a lawsuit against Wells Fargo Bank , N.A . for violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as for invasion of my privacy and any other applicable claims. 

I reserve all rights, remedies, and claims available to me under law. Please govern yourselves accordingly.
Product: Credit reporting

I sent a request for validation to XXXX XXXX on XXXX/XXXX/XXXX sent to the address on my credit report. The letter was returned as undeliverable on XXXX/XXXX/XXXX certified tracking # XXXX. 

On XXXX XXXX XXXX, I sent a letter to XXXX requesting that this inaccurate item be removed from my credit report as the company had violated my rights per the FCRA. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This company is using a bogus, invalid address making it impossible for a consumer to get a hold of. The FCRA states that the item must be re-investigated within 30 days or delete the inaccurate item before the end of the 30-day period. 

Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filein accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Furthermore, on XXXX XXXX, XXXX I also disputed the item with Equifax via certified mail tracking # XXXX informing you of the invalid contact address that they are providing on my file and that I had requested validation from them. It does n't matter if you have your own way to contact them to verify, they can not get away with this and I will not allow your firm to be complicit without accepting liability for the damages to me and my family. 

As a final attempt to get in contact with XXXX, On XXXX XXXX, XXXX I sent a certified letter tracking # XXXX to their corporate " registered agent '' XXXX XXXX to which I 've yet to receive a response from. Clearly they have no regard for my consumer rights and fail to follow the FCRA/FDCPA. 

It 's nearly almost a year since I 've been requesting that this inaccurate item be deleted from my credit report. It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

The Bureaus still reports the same address XXXX XXXX XXXX XXXX, FL XXXX to contact them at per my Equifax current report. See attached copy of my current report. 

Attached is validation request sent to XXXX, Certified Letter sent to Equifax, Certified Letter sent to XXXX Corporate Resident Agent, and current copy of my report showing the same invalid address.
Product: Credit reporting or other personal consumer reports

IT REPORTING ACT OF 1974 P.L. 90-321 ( 82 ) STAT 146 NO AGENCY CAN PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. I WOULD LIKE EVERYTHING REMOVED WITHIN FOUR DAYS THAT I DID NOT GIVE WRITTEN CONSENT TO, AND I DID NOT GIVE XXXX XXXX  NOR THE OTHER THREE AGENCY MY WRITTEN CONSENT TO FURNISH ANYTHING ON MY CCONSUMER REPORT. NOR DID I CONSENT AS I HAVE PREVIOUSLY STATED AND NOTED I DO NOT AGREE TO ANY HIDDEN OR REVISED CONTRSCTS OR COMMERICAL AGREEMENTS ACCORDING TO UCC 1-308 WITHOUT PREJUDICE XXXX XXXX XXXX XXXX I WOULD LIKE TO BE PAID {$1.00}, XXXX PER VIOLATION WITHIN SEVEN DAYS ANY DAYS AFTERWARD, I WISH TO BE PAID XXXX VIOLATION EVERDAY FOLLOWING THE SEVEN DAYS. I WISH TO EXERCISE THE CONSUMER OPT-PUT LAW UNTIL I GIVE WRITTEN CONSENT TO OPT-IN AGAIN. I WOULD LIKE EVERYTHING REMOVED FROM MY CONSUMER REPORT THAT I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY INFORMATION ON MY CONSUMER REPORT. I ALSO WISH THAT ALL NEGATORY REMARKS and ALL negative consumer reporting on my consumer report. BE REMOVED, as well as OLD ADDRESSES, PHONE NUMBERS, NAMES OTHER THAN THE NAME ON ME THE CONSUMER SOCIAL SECURITY CARD. 

I AM SURE YOULL KNOW THAT REPORTING TRANSACTIONS HISTORY IS ILLEGAL. I AM HOPING WE CAN HANDLE THIS AMICABLY AND HONORABLY, IN GOOD FAITH MOVING FORWARD and yall will comply with the law. AGAIN I WANT TO EXERCISE MY RIGHT AS A CONSUMER TO THE CONSUMER OPT-OUT LAW until I revoke this in writing. I have never received a privacy notice before any information was furnished on my consumer report. 

I do not consent to ANY THAT INCLUDES XXXX XXXX  XXXX, XXXX, XXXX, non affliliated.. I wish for this to be handled in the time frame specified in the above context of this NOTICE. 

UCC 1-308 Without Prejudice I reserve all my rights. I do not consent to any hidden or revised contracts or commercial agreements. 

I RESERVE ALL MY RIGHTS
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving no users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

My statement was generated on XXXX XXXX, 2016 ; the payment was due on XXXX/XXXX/2016. I made a payment of {$1000.00} on XXXX XXXX, 2016 which I asked them to apply to my promotional balances as I had no standard purchases. I made the assumption that this payment amount would automatically include minimum payment since the payment totalled {$1000.00}. Today I checked my bill and the bank has charged me a late fee of {$25.00}, claiming I still had a minimum payment due of {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

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. 

XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX
Product: Debt collection

I was alerted by XXXX, XXXX and XXXX  that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.
Product: Checking or savings account

So over the weekend my Wells Fargo debit card was used on XXXX transactions of XXXX which I didnt authorize I called Wells Fargo XXXX XX/XX/year> to let them know that I did not authorize the transactions. I had Wells Fargo for about 4 months now and I only use my debit card on Apple Pay with purchases and I let them I didnt authorize any of purchases. I read everything on how to speed the process of the investigation I emailed the merchant got no response yet. I chatted with an agent that told me that since I dont a FanDuel account they couldnt help me and chatted with another agent that told since I dont have an account my debit card should have used. Now XXXX isnt a merchant you can call they dont have a phone number. I called my bank letting them i tried contacting them and still no answer it was about XXXX XXXXXXXX XXXX that was taken and I have bills to pay but the money hasnt come back to me nor did I receive any credit while they complete their investigation.
Product: Credit card

Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX
Product: Debt collection

I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. 

The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. 

THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX Freedom Mortgage, as of XXXX. I have had problems such as not being able to set up an online account or make a payment on my due date. I have called repeatedly and been transferred around throughout the month of XXXX of XXXX. On or around XXXX, XXXX, XXXX when I did reach someone they said my information had not been uploaded. My payment is due on the XXXX of every month. 
On or around XX/XX/XXXX, I received a nasty warning letter from Freedom Mortgage stating I did not have Insurance coverage and stating that Freedom Mortgage would be paying my insurance and I would have to pay them for the insurance. My insurance agent faxed in proof of coverage the following business day, XX/XX/XXXX. On XX/XX/XXXX, I called in again to make a payment and was told again, I am unable to make a payment or set up online access due to the fact my loan information had not been uploaded. On XX/XX/XXXX, I received an email stating that Freedom Mortgage paid my insurance out of my Escrow account to XXXX XXXX whom provides my insurance. Freedom Mortgage took monies out of my Escrow account. My Escrow account is set up for my Taxes ONLY. Now Freedom Mortgage stated it's my responsibility to recoup said monies from XXXX XXXX, but that they will continue to take those monies from my Escrow. I have been bounced around without any resolution. The last XXXX for Freedom Mortgage said it's not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX SC that is being reported by Transunion and XXXX be removed immediately. This account was opened in XXXX XXXX  2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 in one or more ways. 

XXXX XXXX  AXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX & XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX & XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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.
Product: Debt collection

I have Credit Card debt due to Identity Theft. The scammer hacked into my XXXX account to purchase {$2000.00} of XXXX on XX/XX/21. This transaction caused an overdraft of my checking account on XX/XX/21. Because my checking account had overdraft protection, the overdrawn amount was charged to my credit card. XXXX also says that I owe them due to a Chargeback settlement on XX/XX/21 with the scammers Bank. 
Current Amount owed to Wells Fargo Bank N.A. Credit Card = {$2100.00} Current Amount owed to XXXX = {$1900.00} I have filed a local Police report, FTC Identity Theft report, a FBI IC3 report ... I have also closed all of my Banks accounts ( Checking, Savings, Credit ) and opened new ones with Wells Fargo, but the Credit card debt remains ... XXXX has permanently limited usage to my account with them.