23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home located at XXXX XXXX XXXX XXXX, CT was forclosed. I tried in court to keep my home after my divorce, but Wells Fargo wanted me out. Here is my story. The mortgage was on my name and during divorce court allowed my wife to live in the house as long as she wanted, but she did not pay mortgage. When she finally moved out after several months i fought with Wells Fargo to keep the house. I paid a huge down payment and i loved the house. Since divorce i rented an apartment and i could not just pay both mortgage and rent at the same time so i rented out the house. Having tenants paying rent was not enough to keep the house if babk want your home so i lost the house. They scheduled auction when i was away for weekend. Auction was on Sunday in front of my house and one person showed up. Wells Fagro sold house to themself. Realtor locked the house offering my tenants huge amou t of money to move out witin 24 hours so they can lock the house. I could not get any items from attic or basement. Appliances. Tv and many things were locked and I locks changed ... .within hours. This is how they operated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; Equifax - Frozen XXXX - Frozen XXXX - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out
Product: Debt collection

i went to a XXXX school called XXXX located in XXXX fl. took out a loan with a company called XXXX to help pay for XXXX school. a few months down the road i ended up unemployed, becasue my wife joined the army leaving me with no choice but to quit and take care of my kid. 
so my loan ended up going into collections with a company called XXXX , Inc located at XXXX XXXX XXXX XXXX, Texas XXXX this is where their harassment began i spoke with them and told them about my situation and that once i find a solution ( job or some how obtain the money to pay them back ) that i would contact them. they went on and started call me every day and when i would n't pick they would call all my family and friends even people i have n't spoken to in years and they would call all family and friends every single day telling them about my collection and to tell me to call them back
Product: Bank account or service

I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid  explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. Chexsystems has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified Chexsystems of this in good faith with the hopes they would rectify this issue. Chexsystems in bad faith has refused to remove these accounts out of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know.

I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Product: Debt collection

I am writing this complaint for myself and on behalf of the residents of my former address. I will omit their names for privacy reasons. They are retaining an attorney. 

I have communicated with Cooling and Winter, a law firm representing both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, regarding being unable to pay alleged debts that I have not been given a chance to dispute. I informed XXXX XXXX XXXX of Cooling & Winter on XX/XX/, @ XXXX XXXX in a XXXX minute conversation that I no longer reside at the residence on file with both XXXX XXXX  XXXX and Cooling & Winter. I also explained that the owners were willing to hold my mail for a short period of time until I could obtain an address to forward my mail. Due to my financial situation, I am homeless. I informed XXXX XXXX that I did not want the residents at my former address to be harassed by Cooling & Winter. XXXX XXXX stated that she would remove the previous address from their files. 

On XX/XX/, I spoke with XXXX XXXX for XXXX minutes about my homelessness and financial inability to pay anyone. I requested to be considered for a hardship write-off. XXXX XXXX stated that she would submit the information for review, which would take a couple of days. I called back on XXXX XXXX XXXX and was told that it was declined, but she would re-submit my hardship request again to be reviewed. 
Again, my request was denied. 

As stated earlier, XXXX XXXX XXXX stated that she was removing the address on file since I no longer live there. 
However, this weekend, the residents were extremely upset that they received letters from 4 Law firms at their address within the past few days. I had someone obtain the letters for me. The letters were advertisements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all informing me that XXXX XXXX XXXXXXXX had sued me on XXXX and XXXX 
Cooling & Winter are the attorneys who filed the lawsuits listing my former address. 
This is malicious harassment to purposely embarrass and humiliate the residents of that home and me. They are good innocent people that have nothing to do with my circumstances. Cooling & Winter were told over two months ago that I no longer reside there and am now homeless. They were informed that I do not have the financial means to pay any debts. Unfortunately, circumstances happened that were beyond my control. 
I am a XXXX XXXX XXXX  with chronic illnesses, including XXXX and XXXX XXXX XXXX. Due to my illnesses, destroyed credit, and lawsuits, I will never be able to obtain employment. 

I have always taken my financial responsibilities very seriously, but unfortunately, my circumstances are so bad that I can not realistically maintain payments of any kind. 
My situation is unlikely to improve in the future. My continued high debt level and continued creditor harassment have seriously affected my physical health and further deteriorated my mental health. 



Cooling & Winter, LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX
Product: Prepaid card

I got a gift card from amex with {$20.00} on it. I can't use it anywhere. I tried calling their number and they don't have a talk to representative option and the only options are 1. Activate card/ View Balance 2. Report card lost or stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a second written request, requesting the Method of Verication of their investigation results per FCRA. It has been more than 15 days since I sent my inquiry, but I have yet to receive a response. 

On XX/XX/2020, I submitted a complaint to CFBP calling them out on their violations. They closed my complaint and responded, that my complaint regarding their investigation procedures does not appear to have been sent directly by ME?? How did they even determine it was not sent by ME??? or what procedures did they use to determine this? This XXXX me. I have included all docs needed so they can verify my identity, I even got all my docs notarized. 

This an insult and straight-up humiliation. Just because I am an educated person who knows their rights and what I'm talking about. I have kept a log and copy of all communication between Experian and me. This is stressful and it's causing an emotional toll on me. They are not following the law and I wonder how many people are they doing this to? These unreasonable reporting procedures and investigations have really damaged my credit.
Product: Credit reporting or other personal consumer reports

Subject : CFPB Dispute - Request for Credit Report Correction : Victim of XXXX XXXX and Identity Theft To Whom It May Concern, I am submitting this dispute regarding inaccurate and fraudulent information on my credit report due to my status as a victim of XXXX XXXX and identity theft. The incorrect information has severely impacted my financial well-being, and I request immediate action to rectify these errors. 
Explanation of the Situation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of XXXX XXXX, which resulted in a complete lack of financial control over my affairs. During this period, I was forced to work without pay under the leadership of XXXX XXXX, who misled me regarding real estate investments where I was never compensated. This exploitation contributed to severe financial instability, unauthorized accounts, and fraudulent activities on my credit report. 
Additionally, I became a victim of identity theft. My wallet, containing my Social Security card and drivers license, was stolen from my car, which led to multiple unauthorized accounts being opened in my name. These fraudulent activities resulted in unpaid debts and have negatively impacted my credit score. 
Furthermore, I have resided at XXXX XXXX XXXX XXXX for over ten years, as evidenced by my lease agreement, which is enclosed with this dispute. Several negative accounts on my credit report were fraudulently opened at XXXX XXXX XXXX, an address where I have never resided. This further supports my claim that these accounts were opened without my authorization and should be removed immediately. 
Supporting Documentation : I have attached the following documents to substantiate my claim : 1. Police Report ( XXXX XXXX : XXXX ) detailing my identity theft case. 
2. FTC Identity Theft Reports ( Report Numbers : XXXX, XXXX, XXXX ). 
3. Documentation of a data breach that exposed my personal information. 
4. FCRA Section 605C Self-Attestation Form for XXXX XXXX  Victim Determination. 
5. Court documents, demand for payment letter, and additional supporting evidence related to my XXXX XXXX experience under XXXX XXXX. 
6. Lease agreement for XXXX XXXX XXXX XXXX, proving my residency for over ten years. 
Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), victims of identity theft and fraud have the right to dispute and correct inaccuracies on their credit reports. I am requesting that the disputed items be investigated and corrected or removed under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Proof of Identity : For verification purposes, I have attached copies of my government-issued ID and proof of address.
Product: Consumer Loan

I WAS CONNED- I WAS TOLD THAT THE BALANCE WOULD DECREASE EACH MONTH. I WAS TOLD THAT THE ROLLOVER WOULD LESSEN AND AFTER SO MANY PAYMENTS, I 'D BE PAID OFF- LIKE AN INSTALLMENT LOAN. TITLE LOANS DO N'T DECREASE WITH PAYMENTS- IT IS BASICALLY REFINANCED EACH TIME YOU DO N'T REPAY THE ENTIRE AMOUNT. THE REPRESENTATIVE MISREPRESENTED THIS FACT. WHENEVER I ASKED QUESTIONS ABOUT THE PROCESS, I WAS TOLD TO BORROW MORE MONEY. NOW I ASKED FOR AN EXTENSION FOR A PAYMENT AND I WAS TOLD THAT IN ORDER TO DO THAT I WOULD HAVE TO SURRENDER MY CAR IN ORDER TO PROCESS THAT REQUEST. EACH TIME I CALLED, THE MANAGER WOULD CALL SOMEONE OFFSITE NAMED XXXX AND ASK FOR EXTENSIONS, BUT HE 'D DENY THEM AND THEY WANTED ME TO COME TO THEIR SITE WITH THE VEHICLE.
Product: Debt collection

XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately on my credit report with no compliance of the FCRA laws and IRS regulations. this is potential fraud
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX bal. {$1100.00} Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX bal. {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized account reported by TransUnion under XXXX XXXX Partial Account : XXXX ) that remains on my credit report despite several disputes. This account is unauthorized, and I have never given written consent for it to be reported. On XX/XX/year>, I successfully disputed this account with XXXX, which removed it after confirming it was unauthorized and improperly reported without my knowledge or consent. TransUnions continued reporting of this account violates my rights under the Fair Credit Reporting Act under multiple provisions, specifically under 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting the account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable investigation, and 15 USC 1681c ( a ) ( 4 ) for reporting inaccurate information. This is not a minor oversight but a significant breach of my consumer rights, as this unauthorized account continues to damage my creditworthiness and personal reputation. I trusted that TransUnion, as a major credit bureau, would prioritize accuracy and compliance with federal law, but their continued negligence is unacceptable. The fact that XXXX promptly removed the account after proper investigation only highlights TransUnions failure to uphold its legal obligations. I did not authorize or consent to this account being reported, and its continued presence on my credit report compounds the financial and emotional distress caused by this error. TransUnions failure to act after repeated disputes suggests a pattern of noncompliance that can not be ignored.
Product: Mortgage

Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected XXXX, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).