23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud. 

Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IhavenoticedcreditinquiriesonmycreditreportsthatIdidnotauthorize.Ihavereachedoutbuttheywillnotassistme.
Product: Credit card

I submitted an a credit card application to XXXX XXXX  for the XXXX XXXX XXXX on XX/XX/XXXX. Upon my denial of credit I reached out to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX of Investor Relations ( email- XXXX ) per their instructions from the XXXX and XXXX forms in an attempt to find out why as a silent investor and a federally protected consumer I was denied a extention of a portion of my credit. I asked that my security/ application be returned to me since I was denied credit services but have not been contacted in any way from XXXX XXXX to remedy this adverse action. As a FEDERALLY PROTECTED CONSUMER my rights have been violated per the EQUAL CREDIT OPPORTUNITY ACT XXXX XXXX XXXX. Per XXXX XXXX XXXX prospectus I am aware that my submitted application containing my signature and social security number per the XXXX became a security that turns into a receivable, that is sold and or traded electronically that is going to generate dividends/ funds for the company. This is a unfair one-sided business transaction that only benefits XXXX XXXX  and XXXX me from any profit and or benefit even though I bartered a security with them! As per XXXX XXXX value and consideration ( XXXX ) The instrument is issued or transferred for a promise or performance. I acted in GOOD FAITH by bartering my application being a security, yet was dishonored and humiliated by XXXX XXXX As the credit card application is a contractual agreement and a ABS ( asset backed security ) between myself ( the applicant, the individual and the credit card issuer XXXX ) This adverse action against a FEDERALLY PROTECTED CONSUMER is against the law per THE EQUAL CREDIT OPPORTUNITY ACT XXXX XXXX XXXX Regulation Z, XXXX XXXX XXXX and is pursuant to civil liability under XXXX XXXX XXXX for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting data thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First a little background. I opened an account with Best Buy on XX/XX/2014 for the purchase of needed equipment. As required by the account terms and conditions I paid off the account when it was no longer needed. I had not used the account after the final payment and no longer thought about it. I was not made aware of any issue until I started to work on the purchase of a residence. To my shock a derogatory matter appeared on all three credit bureau statements. 

At no time had I been contacted by Best Buy/CBNA via any means regarding this problem. Not e-mail, telephone, snail mail or any form of communication if I had I would have been able to either prove payment or provide funds to cover amount. 

I immediately began trying to contact Best Buy/CBNA via mail, e-mail, telephone and social media with no results. Every telephone number listed in various reporting agencies has not worked. As a matter of fact, several just drop several are no longer in service. Just tried to contact you using the most recent number ( XXXX ) XXXX XXXX waited over 30 minutes and nobody picked up. Since CBNA has several office locations I tried them all which once again proved to be fruitless. The bureaus show that the account was closed by you with no information as to when it was closed yet you have been reporting to all three agencies, monthly, with late payments reaching back several years. If this account was closed by you how is it that you have been showing late monthly payments.

The amount shown as being late is a paltry {$55.00}. With a credit limit of {$750.00} do you really think that I would not pay a small amount. Although I do not have bank records going back that far I know that all payments were made to you on a timely basis. I insist that Best Buy/CBNA remove the derogatory remark ( s ) on all major credit bureaus.
Product: Debt collection

On XXXX XXXX this company was reported on my credit report
Product: Debt collection

Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Mortgage

I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner.
Product: Credit reporting

I have disputed a XXXX XXXX credit card a few times with all 3 credit bureau and all 3 claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table ( my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
Product: Debt collection

Washington, D.C.

CFPB Sues Experian Accusing Credit Reporting Agency of 'Sham Investigations ' in Consumer Dispute Process AI Assisted Icon By XXXX XXXX Published on XX/XX/year> CFPB Sues Experian Accusing Credit Reporting Agency of 'Sham Investigations ' in Consumer Dispute Process Source : XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has initiated legal action against Experian, accusing the credit reporting giant of conducting so-called " sham investigations '' when consumers dispute errors in their credit reports. The lawsuit, filed yesterday, claims that Experian failed to properly investigate these disputes, leading to inaccurate information that could negatively impact consumers ' access to credit, jobs, and housing. 



CFPB alleges Experian 's processes were inadequately designed to check consumer disputes thoroughly. As a result, materials with disputable accuracy have remained on credit reports, potentially damaging the economic futures of affected individuals. " When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, '' said CFPB XXXX XXXX XXXX, as per the
Product: Bank account or service

Regions charged my savings account a monthly fee after telling me there was no fees on a savings account. So then I choose to close the account and they charged me {$25.00} just to close my account. Never going back to Regions.
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XXXX  To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : CHARGE OFF Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated
Product: Checking or savings account

My Account as flagged Fraud as of XX/XX/year>2025. The specialist ask me what any of the charges mine. I replied yes. USAA still froze my account and will not release my funds even after I confirmed the transaction were mine. They as stated those funds could be handle up to 60 days. Which has caused me to not be able to pay my monthly bills. I spoken to several parties, no one is able to give me an answer why my funds a frozen and why they are closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.
Product: Debt collection

I didn't have insurance at the time. and I was told that when I applied for XXXX that it would back pay for the time I went to the doctor and didn't have XXXX, now I'm getting billed for it. Let me know what I can do or who I need to talk to, to resolve this. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX  and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.
Product: Student loan

I have made several attempts to get resolution since XXXX to current. No matter what the companies name was at the time XXXX XXXX, XXXX XXXX XXXX, Conserve, Ombudsman, etc No avail EVER.
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My wages and Taxes are being garnished, I really do n't understand why both are being taken I have asked that multiple times. I still do n't have an answer to why the last payment arrangement XX/XX/XXXX with Concerve ( ph # XXXX XXXX XXXX XXXX ) that was set up and money was withdrawn from my account ceased.
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XXXX Ombudsman had someone name XXXX XXXX assisting me at one time I was told yes I have a case XXXX had made contact with a supervisor of the collector at the time. I kept writing and requesting a hearing to stop pay/tax garnishments and to also request to only contact me at XXXX XXXX XXXX ONLY. ( never happen ). The alleged hearing was pending and no more information after that. Another garnishment.
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I have made several complaints / request for assistance thru Ombudsman to no avail. I receive a generic letter stating issues were resolved however, they were never properly looked into.
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I contacted Ombudsman on another occasion to request a different investigator whom also did not assist me.
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My Recent attempts was on XX/XX/XXXX. I called XXXX XXXX XXXX I was advised as long as I pay I would receive over {$1100.00} off of my debt. I called XX/XX/XXXX spoke with someone name XXXX ID # XXXX when I asked about the {$1100.00} the line was disconnected. I called about got another XXXX the line was dropped again.
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I have a garnishment which has already caused a financial strain on my household. I can not borrow another {$1.00} from anyone. I am being over charged with these garnishments. I can not afford my household expenses ( food, bills, Car Note ) and everything is behind and past due.
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I have requested my payment be lowered to {$100.00} bi-weekly. I am not getting assistance from anywhere.
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I would like to know whom the regulators are.