23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Southwest Credit System on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Southwest Credit System that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). 

I appreciate the CFPB 's assistance in the matter. 

Best,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name- XXXX XXXX XXXX XXXX Account Name- XXXX XXXX XXXXXXXX Account Name- XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account Name- XXXX XXXX Account Name- XXXX XXXX Account Name- XXXX  Account Name- XXXX Account Name- XXXX  Account Name- Account NameXXXX XXXX  Account Name- XXXX XXXXXXXX Account Name- XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Bank account or service

On Thursday, XX/XX/XXXX, I called and asked my account representative and the account supervisor to withdraw money from my account. I asked to withdraw {$8000.00} and to leave my annuity in place. I was told to speak with XXXX XXXX, Supervisor. He told me that Morgan Stanley did not want to do business with me. I asked him to send the money to the name and address on record and it was not sent. Two days later, I called XXXX XXXX to ask to pick up the check from a local location and I was told that the account was de-linked and that I had to wait. When I asked her how long she could not tell me. As of today, XX/XX/2017, I have not heard from Morgan Stanley and do not know when I will receive my money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there are multiple errors
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a matter with the three major credit bureaus ( Experian, XXXX, and XXXX ) and the inaccurate reporting of an account on my credit report. 

The creditor associated with the account [ XXXX XXXX XXXX ] issued an IRS Form 1099-C for the account, which signifies that the debt has been canceled. Despite this, the credit bureaus have not updated my credit report to reflect the corrected account balance of {$0.00}. This account has been paid off, and the balance should reflect accordingly. 

To address this issue, I have taken the following steps : Contacted the Credit Bureaus : I filed disputes directly with the credit bureaus, but the reports remain unchanged. 
Provided Documentation : I submitted proof, including a copy of my IRS transcript Despite my efforts, the account information remains inaccurate, which negatively impacts my credit score and financial standing.

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and accurately update my credit report to reflect the canceled debt and {$0.00} account balance. 

Enclosed, I have included copies of the following documents for your reference : IRS Form 1099-C issued by the creditor Copy of my IRS transcript Thank you for your attention to this matter. I trust the CFPB will assist in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

Applied for construction loan in XX/XX/2023. Submitted required paperwork. Was accepted. Now they will not close loan. Ive submitted XXXX XXXX documents, proof of retirement accounts ; 35 year work history ; and pay stubs ; only to be delayed for six months. To this present time. Close dates have been promised and cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, MEDICAL BUSINESS BUREA ( Date opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports.MEDICAL BUSINESS BUREA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. 
an original contract with a wet signature from the original creditor with wet signature. 
the name address and and phone number of the original creditor. 

an itemized payment history associated with the account as to determine what is owed and/or that may be contested.

proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. 
I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas i am more than sure that the company has claimed numerous payments. 

I mailed this letter on XX/XX/2023 it has been about 50 days and I have yet to hear back from the company and those items are still on all three consumer reports.
Product: Debt collection

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Product: Credit reporting

I am trying to get XXXX of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit account in XXXX ( XXXX ). My XXXX credit journey reporting, which is run by Experian, kept showing this account as open. I contact XXXX and then Experian to resolve this issue and no longer show this credit account as open. 

Experian requested I call the credit union first to ensure closure. I did this in XXXX ( XXXX  ) and the credit union said my name and account doesn't even exist because the account had been closed/terminated two years prior. 

I called Experian back and they asked me to file a dispute online. I did so and submitted my information that was requested. In XXXX of XXXX, I receive mail that says my dispute was denied/declined. 

I called Experian back and got in touch in XXXX of XXXX, and explained the process above. They claimed that no dispute was processed and that's why I received the denied dispute result in the mail. 

Experian mentioned that they would file the dispute ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) I received a notice of the dispute results. And the results show that the reporting will show the updated status " account paid and closed '', but that it will be reported until XXXX ... 10 years of inaccurate reporting. 

Experian has still yet to resolve my issue. The account from the credit union needs to be deleted/removed from all credit reporting. It does not exist anymore and is inaccurately reporting my credit.
Product: Credit card

All my Citibank bank accounts including business accounts and credit accounts ( XXXX credit cards ) were closed without warning on XX/XX/year>. I have more than 30 years of relationship with Citibank. No reason was given. Citibank also erased my XXXX points. They never refund the credit card membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX : {$8200.00} XXXX XXXX Balance : {$8200.00}
Product: Checking or savings account

1. On XX/XX/2020, I disputed a charge with XXXX with Bank of America on my debit card ending in XXXX in the amount of {$770.00}. 

2. The charge from XXXX, dated XX/XX/2020, was for bar exam preparation materials from a third party called XXXX. XXXX is a loan company that loaned me the amount for the XXXX materials, and the {$770.00} was a down payment. 

3. Bank of America created the dispute on XXXX XXXX, XX/XX/2020; provided no provisional credit ; and said they would be contacting the merchant XXXX XXXX XXXX. 

4. On the same day, after the call to BOA, XXXX approved a full refund to XXXX. 

5. On XX/XX/2020, XXXX processed a full refund of the XXXX loan. 

6. On the same date, XXXX sent me an email stating that there was an issue with the {$770.00} payment - that it " didn't go through. '' 7. On the same date, I called XXXX and they stated that they had received the chargeback from BOA and that they had sent the funds back to BOA. 

8. However, as of today, XX/XX/2020, I have not received the funds back to my BOA card ending in XXXX. 

9. In a XX/XX/2020 call to XXXX, XXXX changed their story regarding the chargeback and now said it was being investigated by their back office. 

10. There is clearly nothing for them to " investigate '' given they've already processed the refund on the loan. Five other loan payments were refunded to another debit card. If the charge had not been disputed, I would have received the refund for {$770.00} by now, as I've received refund of the other payments several days ago. 

11. XXXX sent me an email stating that they had received the refund from XXXX, processed the other five refunds to my other card ; that the {$770.00} was in chargeback status ; that they were " investigating '' ; and that I would receive my {$770.00} back either way, in that, if the chargeback process was not successful, they would still issue a refund to my card. 

12. Today, I contacted BOA claims dept. and spoke with XXXX id # XXXX. XXXX stated that they had received no response from XXXX, that they have 45 days to respond. 

13. I asked whether BOA could reach out to XXXX regarding this hold-up and the fact that they've provided me documentation showing that the refund is due unto me. BOA did not agree to do that. 

14. BOA advised that if I cancelled the claim so that XXXX could simply process a refund to my card, it may take even longer for me to get my funds back, because it would take 30-45 days just to return the funds to XXXX. 

15. BOA said there was no need to send additional documentation at this stage ; that it was best to wait the rest of the 45 days for XXXX  to respond ; and that BOA still would not provide a provisional credit even though I was offering documentation of my right to receive a refund from XXXX.
Product: Checking or savings account

XXXX XX/XX/2019 On XXXX XX/XX/2019 XXXX XXXX XXXX deposited {$500.00} into the Wells Fargo ( WF ) account of XXXX XXXX XXXX, her son. She filled out the deposit slip for his account. She INTENDED to put the money into HER account, but did not do so. WF correctly put the money into XXXX 's Account. On XXXX XX/XX/2019 WF did 5 things : ( 1 ) It spoke with XXXX on the phone & she told them what she had intended but in fact did not do. ( 2 ) WF debited ( removed ) {$500.00} from XXXX 's account. They did not notify XXXX or me. ( 3 ) WF put {$500.00} into the account of XXXX XXXX. ( 4 ) They sent a false statement by USPS to  XXXX. WF wrote : " we want to let you know about an error we identified when processing a transaction from XX/XX/XXXX .... there was a delay in posting a deposit. '' This statement is false on 2 counts. ( a ) There was not error on the part of the bank. The bank put the money into the account ( XXXX 's ) indicated on the deposit slip. ( b ) There was no delay. The deposit to his account was on XXXX XXXX, the same day she filled out the deposit slip. ( 5 ) WF sent a false statement to XXXX and to me by USPS. The letter is dated XXXX XXXX & it arrived on XXXX XXXX. It came to XXXX and to me because we have a joint account. This letter says : " we want you to know about an error we identified when processing a transaction from XXXX XXXX on your account : a deposit processed in error to this account, to correct the error on XXXX XXXX, we debited {$500.00} from your account. '' Again, there was no error in processing. The bank put the money into the account specified on the deposit slip of XXXX XXXX. MY COMPLAINT IS THAT WELLS FARGO REMOVED {$500.00} FROM OUR JOINT ACCOUNT WITHOUT NOTIFYING US, WITHOUT ANY DUE PROCESS OR RECOURSE ON OUR PART, THEN THEY LIED REPEATEDLY ABOUT THE REASON FOR THIS. I believe they this debiting ( removal ) of the money was not legal. Remember the money was put where the deposit slip said to put it and the money had been in the account 32 days. I write this letter with full consent and knowledge of both XXXX and XXXX. I have documents to support all these statements. [ XXXX does not have evidence of the way she filled out the deposit slip on XXXX XXXX, but she tells me that she filled it out to XXXX ( not to herself as she intended ). She tells me that she has requested a bank copy of this transaction and has not received it after 2 weeks. ] She tells me that on XXXX XXXX she told WF that she had made the error on XXXX XXXX. She tells me that the error was not made by WF. The Wells Fargo department handling this is CORRECTIONS & RECONCILEMENT - CUSTOMER RESEARCH with a File # XXXX. I have not contacted WF about this matter. I am going to send a copy of this complaint to WF. I attach 6 documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.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 has also 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: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Recently, I initiated a legitimate dispute with Equifax to remove all previous addresses from my credit report, except for my current address. My aim was to ensure the accuracy of the information on my report, as required by the FCRA. 

However, Equifax responded to my dispute by refusing to provide me with an updated credit report. This refusal not only violates my rights as a consumer, but also prevents me from accessing critical credit information, which is essential for my personal and professional activities. 

Therefore, I request your intervention to : Require Equifax to immediately correct this issue and provide me with a complete and updated credit report. 
Ensure that Equifax fulfills its legal obligations under the FCRA to prevent further harm to my credit status. 
Please be advised that if this matter is not resolved promptly and appropriately, I will be forced to take additional legal action to protect my rights, including possible litigation. 
I appreciate your timely attention to this matter and look forward to a swift and effective resolution.
Product: Debt collection

I am currently again in the Appeals Court fighting a fraudulent foreclosure and other abusive acts and practices of the banks, their many alleged Assignees. I had an alleged to be valid contract with XXXX XXXX XXXX XXXX in XXXX but as you know the Bank had ceased to exist prior to the date of that contract rendering its validity questionable ; as is verified in XXXX Hearing Documents, court cases, etc.. XXXX XXXX closed by the XXXX and Federal Deposit Insurance Corporation and certain assets sold to XXXX  XXXX, whom created and caused the 1st of many fraudulent assignments to be recorded starting in XXXX in an attempt to re-create a broken Chain of Title. The original Note being securitized and the original Deed being separated each going in different directions. Facts, thus rendering the original contract with a Note and Deed separated and the Note previously securitized but being hypothecated and re-hypothecated are lawfully and legally XXXX XXXX XXXX. Under the XXXX and the XXXX XXXX 's Settlement with the Banks, I filed civil suits starting XXXX and I have suffered many abuses, as I am currently and almost a full decade later. I have not had my claims heard based on their merit ; abuses under the color of law and authority but at least won the right to challenge the Fraud in a private action in the hope I would recover my losses. I've had to file multiple suits at substantial costs over XXXX and loss to defend the actions of these abusive debt collectors, their bad acts and unclean hands. I have not by any means been treated fairly! 
I have acted in good faith each step of the way. The Appeal court last round resulted in XXXX rescinding the prior recorded documents of their XXXX, XXXX used for initiating the Fraudulent Foreclosure. Rescinded just this XX/XX/XXXX and now a new party alleging new assignment and servicing rights NEW REZ/SHELLPOINT MORTGAGE SERVICING is sending me new threats of Foreclosure in the very first letter received on XX/XX/XXXX dated XX/XX/XXXX as a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, the information contained therein is inaccurate and they are doing this while I am still in the Appeals Court and have not yet as exhausted all my remedies many of which have been unfairly, unlawfully and illegally denied to date. 
This new and current party has no legal lawful standing to take any action they have thus taken. They hide behind the corporate veil by changing the names of their fictitious entities and provide no documentation or substance as to their factual right to collect. The have not proven they are in possession of the note, a holder or holder in due course or representing a party that does. 
They have not shown that they have given lawful consideration but merely a false claim to abuse and harass me, a violation of the Fair Debt Collection and Reporting Practices Acts, both State and Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.