23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> 21st Mortgage was asked to provide proof of the original security agreement or copy of the security agreement. Proof that they hold title or deed, and that proof there was a debt owed to them once the security agreement was transferred to them. Was the transfer in excess of the supposed amount due, proof of contract between the principal bondholder and 21st Mortgage. If any insurance policies were bought on this security agreement and if those policies were in excess of the disputed amount owed? 

From XX/XX/year>, 21st Mortgage refuses U.S. funds to be applied to the account balance. Uniform Commercial Code outlines U.S. funds as negotiable instruments, bills of exchange, promissory notes, drafts, checks, money orders, coupons, etc. 
The Federal Reserve Section 16 Part 2 corroborates this further bills, notes, promissory notes, bills of exchange... 
Each month, they have sent a security bond statement of unearned interest due to the principal with an attached remittance coupon. The coupon is a negotiable instrument. The Principal 's Name, Principal 's Account, Principal 's Balance have all been listed as outlined by the UCC. The coupon has been properly indorsed and given instructions and order to pay to the bearer and on demand. The presentation to the United States Treasury is placed on the front of the bearer paper so as to leave no question as to how to deposit if in fact a debt was owed. 
However, they resend all documents each time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccurate records of late payments on an account where I have consistently made payments on time. This information does not accurately reflect my payment history and could have significant consequences on my credit standing. The error is on XXXX XXXX back in XX/XX/year>. 

Consumer reporting agencies are vital in ensuring that credit information is reported accurately and fairly. I kindly request a review of these records and a correction of any errors found. Enclosed, you will find supporting documentation, including snapshot of the credit report to verify my claim. 

I appreciate your attention to this matter and look forward to your prompt resolution. Please contact me if further clarification or additional information is required
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I voluntarily paid SYNCB chargeoff account XXXX in full. Since then, I have contacted SYNCB in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting collection/chargeoff to the credit bureaus. 

Not only has SYNCB refused to update the erroneous information reporting, SYNCB has consistently verified to the credit bureaus since XX/XX/2021, that their reporting is accurate. As of today 's filing, the status of the now paid in full account, is blatantly reporting as a chargeoff. This is done to intentionally suppress an individuals credit scoring. 

As stated above, I voluntarily paid this account in full in XX/XX/2021 and I have not had a negative payment history in years. Unfortunately, SYNCB is currently intentionally disguising this mischaracterized account to the credit bureaus to imitate the account as if it is a recent negative chargeoff acount that commenced 5 months ago. This is also done to intentionally suppress an individuals credit scoring. 

It is my belief that SYNCB is intentionally reporting this disguised, mischaracterized account ( status : chargeoff ) to the credit bureaus in retaliation for my many disputes sent to the CFPB and State AGs office regarding their privacy policy noncompliance over the last 3+ years. 

SYNCBs intentional infliction of emotional distress, deception, negligence and retaliation, has caused me tremendous stress, credit card denials, credit line increase denials, and missed business opportunities. SYNCB owed me a duty of extreme care to properly investigate and only report accurate credit information to the credit bureaus. SYNCB has failed to meet this required standard of care.
Product: Debt collection

Today I received an alert from XXXX XXXX that I have a collection reporting on my credit report. 

I don't know anything about this debt. The debt collector never reached out to me, instead they put a medical collections on my credit report. Plus it says date of service was in XX/XX/2021, I was in XXXX, XXXX. 

This debt is bogus and I wasn't provided anything to verify this debt
Product: Debt collection

I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX  but this time is was for XXXX for a phone and a phone line. I called XXXX  saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX  that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX  but they are still holding me liable for letting someone open an account in my name
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who XXXX XXXX XXXX XXXX is, I certainly did not give my personal information to you and I did not consent to you communicating with me. 

Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency. 

Do not report anything on my consumer report, you do not have my consent. 

Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent security breach at Equifax, I attempted to take advantage of their very limited free credit freeze offer. When I submitted my information via the website, I received a message indicating that my credit report could not be frozen online and that I would have to submit a variety of sensitive documentation via mail in order to freeze it. 

However, it appears that the Equifax system DID indeed freeze my report. However, what the company did not do was provide me with the PIN number to subsequently unfreeze ( permanently or temporarily ) the report. Again, at the time I attempted to freeze my credit report online, I was informed by Equifax that the attempt was not successful and would have to be done by mail. 

Contacting Equifax now to have the PIN provided or reset has proven unsuccessful, and I was told by a representative that I would have to pay {$10.00} and provide sensitive information via mail to receive a replacement PIN. I am requesting that Equifax reset the PIN number for free, as this entire debacle is due to not one, but two failures entirely on their part.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Wells Fargo dealer services keeps reporting an account that is very old from 2006 andhas already been settled!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness 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 file in accordance with paragraph ( 5 ), 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. 

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

cra violation so many inaccurate information not mine id theft victim ... 

ftc and id theft gov
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

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

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, Experian and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Payday loan, title loan, or personal loan

I applied for the loan to pay off a higher interest loan. I have all the calls recorded. The original loan was with XXXX XXXX. XXXX XXXX said they would honor the date of the check. Lending Club failed to send a paper check. It took an additional 12 days for them to figure out the funds were denied. They then sent the loans directly to my account to pay off XXXX XXXX. In those 12 days I accrued {$240.00} in interest. I have called several times. I have been told someone would call me back. I have been told a manager will call me back. Lending Club said they would not provide proof of payment and they would not refund me the XXXX. XXXX XXXX from the customer advocacy department called me once. She left a voicemail. I have called her 4 to 5 times now leaving voicemails every time I have called. They have since sent me a {$50.00} credit. Which I have not cashed. I was told today once again someone would call me back. I was also told that nobody was available. I told them I would rather wait. The representative told me he would be ending the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact companies to have unauthorized inquiries removed XXXX XXXX XX/XX/XXXX XXXX  /XXXX XX/XX/XXXX XXXX XXXX /XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

There apparently has been a judgement lien on my property since XXXX. I just sold my home on XXXX of XXXX. My attorney was trying to settle the lien since XX/XX/XXXX. I still don't have any resolve on this matter, and the attorney has been holding {$15000.00} of my money in escrow to close my loan, so I could purchase a new home. I apparently owe {$4400.00} on this lien. The company name is Main st Acquisition corp that originally put lien on property. This company can't tell me what lien is for or currently has the information to settle the lien. Could you please help me resolv e this matter. Thankyou
Product: Credit reporting or other personal consumer reports

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted Experian, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. XXXX5 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts and inquiries reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services -  ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.