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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Vehicle loan or lease

This whole contract is fraud and needed void! They violated my consumer rights.. also its alot of things they didnt disclose to me as a creditor greater Chicago finance company , also the car dealer XXXX XXXX XXXX they dealt with I will like this contract voided! I also have them in civil court for a lawsuit! Under all violation codes theyve committed!!
Product: Mortgage

Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.
Product: Credit card or prepaid card

Capital One changed the mailing address on my account without my input or permission while had caused all the saved card information to mismatch. Since I didn't know Capital Onr had taken it upon themselves to change the personal information attached to the accohbt this mismatch has generated fraud alerts and caused the account to become restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Equifax has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Equifax has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Closed '' XXXX XXXX XXXXXXXX " Closed '' XXXX. XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX XXXX " Closed ''
Product: Checking or savings account

I've been with Wells Fargo since 2008 until now I've had several fees that was taken out that shouldn't have been. I do not recall all the dates but please help
Product: Credit reporting, credit repair services, or other personal consumer reports

l, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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. 

Account Name : XXXX XXXXXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XX/XX/XXXX financed through XXXX XXXX. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and XXXX XXXX would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. XXXX XXXX did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, XXXX XXXX is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXXsince the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with XXXX XXXX using unethical practices. This is really emotionally disturbing and stressful.
Product: Debt collection

My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the Equifax Data breach, so please remove them already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Experian received a notice from me delivered via certified mail in which I informed that fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove these fraudulent accounts from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and XXXX of character. 

Accounts are the following : XXXX XXXX # XXXX. Date Opened XXXX. 
XXXX XXXX XXXX Account # XXXX. Date Opened XXXX
Product: Debt collection

I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.
Product: Mortgage

I needed a little help with my mortgage payment and called to ask them if I could defer XXXX of the payments to the back of the loan. I have done this before, where I only pay the interest and they were able to put that toward the back of my loan. I advised the rep at select portfolio mortgage company, that I didn't want to do this. If it was going to take a while or XXXX things up. He assured me that it wouldn't. They asked me to send in all my financial information which I did. They asked me to send in my pay stubs which I did. I let them know that my pay was going to be a little bit lower so it was going to be hard for me to make that payment for just that month. After getting the paperwork, select portfolio, drug their feed for so long, I kept having to call in and ask them by what the progress was. Every time I called they would ask for something completely different. At XXXX point, they had asked me to verify my savings account which had very little in it. After sending that response in, they asked for something else which was totally unrelated. After sending all this information in and waiting, I finally called them back because I hadn't heard anything. That it was not approved. This is after waiting almost a month and a half on their decision. This made my loan late and I had to play catch up to get it all caught up today. What makes this even more aggravating, is that by select portfolios, actions, all of my credit cards started dropping. XXXX, all of my credit cards said they were closing their accounts with me. I then had to scramble to get some of this debt paid and I had now lost access to any of those cards that I could have used to financially help my situation and pay basic bills. My credit score shot way down and I had lost XXXX cards in total due to select portfolios actions. It would be XXXX thing if I was just affected with my mortgage company, but their actions affect all of my other credit cards XXXX. Had select portfolio had gotten in touch with me by any means, and told me what the progress was, and not delayed or dragged it out like they did, I wouldn't have been behind and I could have made other choices. My select portfolio account has always been paid on time and this whole interaction with select portfolio was devastating, as it took so much of my time to keep calling back and keep faxing other information piece by piece to them. This kind of practice should never be allowed. I just couldn't understand why select portfolio couldn't have helped me for that XXXX month that I asked for. This XXXX action with select portfolio has devastated me financially as I had lost most of the cards I rely on.
Product: Credit reporting or other personal consumer reports

I can't get anything done through the free portal on transunion.com. This had happened before and I had to file a complaint to get it fixed. Now, I'm doing the same thing. I believe someone doesn't like the fact I'm filling disputes online and block my account somehow. Effective immediately I need my free account unlocked. Attached the page of the error message when I click everywhere on the page to get something done.
Product: Mortgage

My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.
Product: Mortgage

Requested COVID-19 forbearance on XXXX/XXXX/21 for 6mos and received notice via mail that it was only granted for 3mos. Called to have request fixed to original request and they asked me to email or upload request. Completed email and upload on XXXX21and have not received updated documents. Called today and they stated I had to wait until XXXX to request additional extension, even though I originally asked for 6mos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft from my mother while she was living with me and stole all my information. I was trying to get her to make the payments but I have not been able to locate her or contact her. I have filed a police report, contacted the company, and placed a fraud alert on my credit report. The total amount of debt is around {$15000.00}.
Product: Mortgage

AUTOMATIC STAY LIFTED BY FRAUD They violated the " NOTE '' XXXX and committed a felony by perjury in the Bankruptcy Court in XXXX CA. XXXX - Contact with the mortgagor. 
XXXX Contact with the mortgagor. 
XXXX The mortgagee must have a face-to-face interview with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. If default occurs in a repayment plan arranged other than during a personal interview, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable attempt to arrange such a meeting within 30 days after such default and at least 30 days before foreclosure is commenced. 

( 2 ) The mortgagee must also : ( i ) Inform the mortgagor that HUD will make information regarding the status and payment history of the mortgagor 's loan available to local credit bureaus and prospective creditors ; ( ii ) Inform the mortgagor of other available assistance, if any ; ( iii ) Inform the mortgagor of the names and addresses of HUD officials to whom further communications may be addressed. 
WHEN I CHANGED MY BK CH XXXX TO A CH XXXX NATIONSTAR FILED A MOTION TO HAVE THE AUTOMATIC STAY LIFTED ON THE GROUNDS OF ME BEING 10 PAYMENTS BEHIND. 
I am looking to prosecute for the intentional, deliberate and misleading behavior. They should by no means get away with this. At the time of this violation I did everything required. They always claimed that I never submitted all required document. I have proof to show different. I have submitted complaints and not one time was directly answered.
Product: Credit card or prepaid card

XX/XX/2017 Monthly payment XXXX dollars. I reached out to company and asked for a good will due to situation
Product: Mortgage

Mr Cooper loam servicer has their entire website and phone line locked down on what they claim is a cyber incident and it is now 3 days past my mortgage payment due date and I am unable to make a payment of any kind, request an update or receive any type of information. I have no proof they will honor my payment as being on time and all I want proof I will not be penalized or lose my home as I am wanting to be on time with all payments. 

There is no possible way to speak to anyone for any confirmation
Product: Debt collection

Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.
Product: Debt collection

Hello. my name is XXXX XXXX, I made the honest mistake of helping XXXX XXXX with an auto loan, that was not satisfied. This person was unable to make the required payments for the loan which resulted in the vehicle being repossessed. I had no knowledge of the situation that was unfolding and the resulting damage to my person. I just today found out. After contacting the CFPB and hearing the possible different directions that we are able to go with the issue she states she is willing to pay for the amount owed, including any fees from the repossession. I simply wish to erase this issue from my own credit history and pass over any issues there may be to her person.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My privacy is my right. Anyone who gave you this information is not following the law under 5 USC 1681 ( a ) ( 4 ) and you do not have the right to report this on my credit report. 

Unauthorized reporting in XXXX : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unauthorized reporting in TransUnion Bankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court
Product: Debt collection

This is a XXXX year old debt from 2009 I believe ... I didnt even know about it until they start garnishing me 3 years ago out the blue ... .the debt is from a fiancs car I returned the car I was told at the time they sold the car to pay my remaining balance off ... didnt even know I still owed a balance.. never received a bill in the mail nothing for 10 years and than I start getting garnished. I quit my job due to daycare issues. Changed careers and havent been garnished. Until now ... this debt is so old and isnt even on my credit report.. how can they sue me and garnish me ... without even giving me the options of doing a payment plan..
Product: Credit card

I reviewed my credit reports received from XXXXXXXX and discovered a fraudulent Amex account on my credit report, it says the account number is " XXXX '' I have never applied for this card/or used it and I do not know who did, possibly a family member with access to my information. Please close this fraudulent account and remove it from my credit report, it's hurting my ability to obtain a home loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the XXXX data breach of XXXX. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 

The following accounts must be removed immediately : 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 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 data breach, which I obtained from the XXXX XXXX XXXX XXXX website. Additionally, I have included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 

In further support of my claim, I have provided the following documents : A copy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued ID and a utility bill.
Product: Mortgage

Line Questions XXXX XXXX payment is not applied to escrow or interest, principle balance does not change. How are the column totals dont change? 
XXXX we see a more typical payment with allocations to escrow and interest. The trustee payments are replacements for scheduled payments. Such payments should all be allocated to XXXX, interest, and escrow. 
XXXX, and XXXX same as above and the balance never moves? Why? 
XXXX same as above. 
XXXX XXXX, and XXXX if the escrow was XXXX  % annual requirement since XXXX  why was escrow being advanced? 

I contend spreadsheet is full of errors- where it is suposed to verify changeing balances.
Product: Credit card

My payments of {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX was returned as I had just closed my XXXX  account to which this card was linked to. As a result when I got to know about this, I immediately made a payment of {$790.00} on XX/XX/XXXX. Why was I charged {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX as " Adjusted Payments '' and then my account was suddenly closed on XX/XX/year>, without any prior intimation provided to me. I made the payments in full, but the final closing balance is still showing {$530.00} which is more than my purchases and billings during this period. On top of that, my account was closed. I did not ask for my account to be closed, and have been paying my bill in full each month. This impacts my credit score badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi XXXX mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date:XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from XXXX  and I want them to be investigated and Deleted from my credit report.