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

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Debt collection

Been dealing with diversified consultants once again I need them to verify the debt and not with a itemized bill I need something thats bearing my signature and also diversified is not licensed or bonded in the state of Minnesota to collect the debt please verify my signature and not a itemized bill or else I will proceed to take court action.
Product: Mortgage

I am reaching out to you in regards to a loan that I paid of with Citi financial. My loan has been paid in full since XXXX XXXX and I can not get the proper releases from Citi to be filed after 7 months of asking for them. The original loan was taken out with XXXX XXXX XXXX XXXX Of Oklahoma. Citi bought XXXX out and I was notified that my loan was included and transferred. After years of my loan being transferred from one company to another and state to state, I made the decision to pay them off. I contacted Citi for a pay off by XXXX XXXX, a verbal quote was made and I also received a written letter. Citi was sent a check and paid of on XXXX XXXX, XXXX. I in return received a check for the difference of {$24.00}, with the envelope being stamped XXXX XXXX, XXXX. With the understanding that Citi had 30 days to release my property. The lien against my property consist of 2 different counties, I reminded Citi of this and ask for a releases in both counties. On XXXX XXXX, XXXX an attempt was made to release the land in XXXX county, but according to an attorney the release does not meet the Oklahoma Statues for proper format because the release was done by Citi and the mortgage was originally made with XXXX. There has to be an Assignment filed moving ownership of the XXXX XXXX to Citi. On XXXX XXXX, XXXX I sent Documents via Certified Mail and return receipt of signature to Citi. The packet included 1 ) A letter 2 ) Copy of recorded mortgage for XXXX County 3 ) Copy of recorded mortgage for XXXX County 4 ) Copy of release of mortgage which is not done with proper authority 5 ) Copy of Oklahoma Statues for lenders to get proper release of mortgages filed within 50 days of receipt of funds. Note penalty starts within 10 days of this letter. <P/>I received a return signature card from Citi. But they still did not file the Assignment of Mortgage and Release of Mortgage in both Counties. After contacting Citi again  on XXXX XXXX, XXXX, they said they did not receive the documents I mailed. So I Faxed them 11 pages of documents on XXXX XXXX, XXXX, same ones I mailed and they signed for in XXXX. I then receive a Assignment of Mortgage filed in XXXX County stamped XXXX XXXX, XXXX, but no mortgage release in XXXX County. On XXXX XXXX, XXXX I contacted Citi again, once again explaining that I need both papers filed in both counties. Citi informed at this time they had 30 days to get the release 's filed, I informed them that they have had 7 months to get this done and I was going to file a complaint with the Consumer Financial Protection Bureau. Citi then argued with me and said they filled a mortgage release in XXXX County on XXXX XXXX, XXXX and was working on XXXX County. I went to XXXX County Court House the next day and there was no release filed. I do n't know how I can explain it any clearer to them, they refuse to get this matter taken care of. So this is why I turned to you. Thank you
Product: Checking or savings account

On XX/XX/2022 I received a wire transfer of funds in the amount of {$42000.00}. It was a wire that I was expecting as payment for a real estate transaction in which I was selling 2 lots of land that I own for these funds. The funds came through as expected without issue and the wire was posted in my Wells Fargo Business Checking Account. However, on the morning of XX/XX/2022, I received an email notification from Wells Fargo stating that all of my accounts with them were being closed as of XX/XX/2022, as a recent money transfer to my account was reported as unauthorized. I then called Wells Fargo to inquire what was going on as they had not called me and stated that there was any issue. 

They proceeded to tell me that the wire transfer of the funds that I had received were being " recalled '' as the person that sent the wire, was claiming that the wire was not authorized by them. I informed the Wells Fargo Representative that this is not accurate and I was expecting these funds to close out a real estate transaction with the sender. I informed them that I did not know why the sender was now lying & stating but it sounds like they are trying to scam me and get my property without completing payment for it. I informed the rep that they are MY bank and that me receiving legitimate funds is no reason for them to close out my accounts with them. As they ( Wells Fargo ) is acting like I did something wrong when I did not.

The rep then informed me that it looked like the sender themselves may have been flagged for potential fraud and that is the issue. I again stated that as far as I knew, the person I was conducting the transaction with was legitimate and I have a real estate contract with them & have given them the deed to my property already in exchange for these funds. Also, I informed the WF Representative that the whole reason that I requested for them to complete this payment via wire transfer, was because that is the only means of certified funds that can not be reversed. At least that is what I've always been told by the banks is that a wire can not be reversed. The representative then said they would investigate and make a decision by XX/XX/2022. 

I spoke to a local Wells Fargo branch representative on XX/XX/2022 and she confirmed that I did nothing wrong. She also confirmed that based upon the information I presented to her that there is no reason to recall the wire and from what she was told, the wire would not be being returned. She confirmed that it was up to me whether or not it could be returned. And I informed her that I dispute it being recalled. She then also confirmed that Wells Fargo 's fraud department were wrong in pursuing closing my accounts as again, I did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Product: Debt collection

I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Someone has used my information to get a credit card and i need it shut down asap.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing in response to the replies from XXXX XXXX, XXXX XXXX and XXXX XXXX regarding my complaint. Unfortunately, their responses do not address the core issue I raised. 

I have no knowledge of many of the transactions and payments referenced in their responses. I have been a victim of a XXXX XXXX virus, which compromised my personal and financial information, leading to unauthorized activities on my accounts. Despite informing XXXX XXXX and XXXX XXXX of this, they have chosen to ignore the fact that my accounts were compromised and are holding me responsible for transactions I did not authorize. 

XXXX XXXX states that I am responsible for these charges due to my Cardmember Agreement, but they fail to acknowledge the impact of financial fraud and identity theft. Similarly, XXXX XXXX is dismissing my claim despite the fact that the unauthorized transactions resulted from stolen credentials. 

I urge the CFPB to intervene and ensure that both financial institutions properly investigate my claim, acknowledge the fraud, and take the necessary steps to remove these fraudulent charges from my record. Holding a fraud victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles. 

I request that XXXX XXXX, XXXX XXXX and XXXX XXXX provide : A thorough fraud investigation into the transactions I have disputed. 
Proof that these transactions were legitimately authorized by me and not by an unauthorized person. 
Immediate correction of my credit report to remove any inaccurate, fraudulent, or disputed information. 
I appreciate your time and assistance in ensuring that these institutions uphold consumer protection laws. Please let me know if you require any additional information from my end. 

Sincerely, XXXX XXXX XXXX Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX Reference : XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX XXXX XXXXXXXX Reference : XXXX Last Four Digits of Affected Account : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

A couple years ago I had a dispute with this same company and it was removed from my credit report. Here it is again. 

Chapter XXXX Bankruptcy Discharge XX/XX/XXXX NewRes-Shell Point bought the debt after the Bankrupt discharge have were trying to collect as late as XX/XX/XXXX Why is this back on my credit report? The property this 2nd lien was attached to was XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NV
Product: Mortgage

I have a mortgage, since XX/XX/XXXX, with Nationstar/Mr. Cooper. By chance I discovered in late XXXX, that my mortgage payment was scheduled to increase by more than {$400.00} a month, due to a purported escrow shortage of approximately {$200000.00}. Further investigation revealed that XXXX, on behalf of Nationstar/Mr. Cooper, had made a payment in XX/XX/XXXX, in the amount of {$15000.00} to XXXX XXXX County Taxing Authority. This was in addition to a payment of {$7600.00}, also in XX/XX/XXXX, for property taxes I did in fact owe for that tax year. Apparently, XXXX, of their own volition and without any correspondence with XXXX XXXX County or with myself, paid what they thought were back taxes on the property. The XXXX tax website had not been properly updated and did erroneously show back taxes due, but they were for years prior to my purchase of the property ( in XX/XX/XXXX ) and in fact had been paid at a previous sale of the property. Calls to my closing agent and title company, and the XXXX Taxing Authority, confirmed that there were no delinquent taxes due on the property. XXXX issued a refund check, in the amount of {$15000.00}, sent to XXXX, I believe in XX/XX/XXXX, and that check was cashed by XXXX on XX/XX/XXXX. 
After numerous phone calls and hours and hours spent on the phone with Mr. Cooper ( I have spoken to no fewer than 6 escrow agents and 4 " escrow escalation '' agents, beginning in XX/XX/XXXX XXXX, this issue still has not been resolved! I am still paying mortgage payments that are {$400.00} more than they should be, and additionally, I have discovered that two new erroneous tax payments were made by XXXX, one in XX/XX/XXXX for {$4400.00} and one on XX/XX/XXXX for {$3200.00}. I was told that they will now " open another file '' with regard to these 2 additional erroneous tax payments. 
I really should not have to constantly monitor my escrow account for erroneous payments, then wait for refunds to be issued by taxing authorities and slowly make their way into the Mr. Cooper system! I have wasted numerous hours trying to resolve this and have delayed refinancing this loan because of the false escrow shortage. And now I see that they have repeated this pattern. It really is incompetent. When I was able to obtain the escrow accounting for the life of the loan, there were a few other instances of this happening, which were refunded and of which I wasn't aware. But I am not an accountant, so it is difficult and confusing for me to try to make sure that payments are not made in error, and that if they are, they are ultimately refunded and credited to my escrow balance. As of right now, I don't think I have yet been credited with the {$400.00} mortgage overpayments that took place for several months. I am being penalized for their mistakes and I am being forced to overpay while they resolve their incompetence. I do not trust them at all to properly manage my escrow account.
Product: Checking or savings account

On XX/XX/year>2025, I received a wire transfer from my daughter, XXXX XXXX, also a US Bank customer. The wire was for a lawsuit settlement. I received {$250000.00}. 
That same day my entire account was frozen, I submitted all of the documents the back office requested to verify my identity. I called daily for more than a month, supervisors were sending emails to the back office, and they were working on it to verify the documents. My daughters account was frozen too!!!! Then the next minute when I called, I was told the {$250000.00} are being returned to my daughters account and all my accounts are being closed!!! To this date they have offered no explanation as to the reasons. Additionally, all the money I had in my accounts, savings and checking, was send to my daughters account and not to me!! We have different names, different addresses, different socials and different DOBs. How can US Bank just decided to return a wire which is certified funds plus all the money that was in my accounts so someone elses account?? That can not be legal at all. 
My daughters account is still frozen, nearly XXXX months later, she has NO access to any of her money. They have not given her the option to close the accounts or send her a check, despite all efforts, the accounts remain frozen with close to XXXX XXXXXXXX in it and she has no access to her funds. How can this be legal and right??? We need urgent help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  Data Breach and that may have gotten in the wrong person 's hands
Product: Checking or savings account

My card was used at a XXXX gas station over XXXX XXXX  away and my account was not frozen once they assumed it was fraud. So the scanner took {$380.00} out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
Product: Debt collection

THIS ITEM WAS SETTLED AND THE COMPANY WILL NOT REMOVE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!
Product: Debt collection

I was called on XX/XX/2016 by a gentleman who left a very aggressive voice mail threatening litigation if they could not reach me. They did not leave any company name or case number. On XX/XX/2016 the same company contacted my son XXXX XXXX, who lives out of state, looking for me and threatening court action. The name of the company is XXXX XXXX at XXXX. Since I do n't owe anyone any money, and all of my debt was discharged years ago, I googled the number. From the on-line comments this appears to be a very aggressive scam operation. They will not provide any information on debt owed or their company and instead demand personal information including SSN. I have blocked them but am afraid other people may unwittingly be scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a rep from each bureau, Transunion, XXXX, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.