23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2021, I responded to an email from Wells Fargo and informed them that I am ready to leave the COVID Homeowners Forbearance program. I requested the FHA homeowners mortgage refinance option, and was verbally approved for that plan. I was informed that the closing would occur in XXXX. Wells Fargo would prepare the closing documents and a notary public would contact me to arrange for signature and to leave copies. 

As of XX/XX/2021 nothing else has happened. I have spoken with and emailed the home ownership representative several times and have been assured that all is well with the loan. However, She does not know why the closing has not occurred. 

I understand that Wells Fargo is undergoing some leadership changes. The company is also dealing with several legal challenges. I am afraid that my mortgage refinance has gotten lost in the shuffle. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Product: Credit reporting

Equifax is reporting an item on my credit report incorrectly XXXX XXXX was a car loan I had over 7 years ago that was included in my Chapter XXXX Bankruptcy. At first Equifax was reporting it correctly in XXXX as included into the bankruptcy then when I disputed that the statuary limits had ran out. They took it out of Bankruptcy and just have it on my credit file as an delinquent item. 
1. I want to file a harassment lawsuit against them I presenting case after case on them with the proof and the more it looks like that they are putting errors on my account purposely instead of removing items that they know are n't mines and have legitimate reasons behind it. 
2. The statuary limit has ran out on this account. 
3. They took it from out of bankruptcy and legally I do n't have to pay anything back on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a 30 day late payment for XXXX of XXXX on my credit report. The account is always due on the 3rd of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XXXX XXXX due date using capital one 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )
Product: Credit card or prepaid card

I would like to report XXXX XXXX XXXX of XXXX XXXX florida XXXX, address XXXX XXXX XXXX. He manipulates XXXX XXXX XXXX for his credit cards his ex stepson by marriage, he breaks into home, very abusively physical and mentally. He staulks and follows people around to blackmail them until he gets his what he wants, he commits credit card fraud frequently, please exercise your right to serve justice to society. XXXX XXXX XXXX is extremly dangerous and manipulative. He is narcissitic and brainwashing is his gift of gab. He is equivilant to XXXX XXXX and XXXX XXXX. He covers his tracks very well.
Product: Debt collection

In response to the complaint # XXXX, Portfolio Recovery is misleading me to believe they are the owner of this account and have the right to collect on this account. Portfolio Recovery is a debt collector and is regulated by the FDCPA, Portfolio Recovery is now trying to present itself as an " creditor '' since they claim they allegedly brought the debt. By definition ; " Creditor '' means any person who was owed a Debt which was not in default at the time it was obtained by such person. When Portfolio Recovery obtained this account it was in default according to Portfolio Recovery, so therefore Portfolio Recovery is no creditor and is violating the FDCPA by trying to mislead me to believe they are a creditor when in fact by definition Portfolio recovery is a debt collector. 
Portfolio Recovery has provided no proof that they have ownership and a legal right to collect on this account. They have not produced the original promissory note with my signature on it. I believe until proven otherwise since I never did business with them and never entered into any contract with them ; I have no obligation to this account and refuse any debt and any business with Portfolio Recovery. 
According to the UCC if Portfolio Recovery is not the holder in due course of the instrument than they can not enforce collection of the debt. According to the FDCPA it is very misleading to claim they have legal right to collect this debt without really having any legal right. Portfolio Recovery never produced any documents that prove this legal right and ownership of this account, such as the original contract/promissory note. The billing statement do not prove my obligation to pay any debt. The billing statements are also in the wrong name, so I'm unsure if this debt is truly mine. 
Portfolio Recovery is a debt collector trying to mislead me to believe they are a creditor which is another violation of the FDCPA and Portfolio Recovery is unlicensed in Nevada and should not be trying to collect any debt from residents within the state of Nevada. In Portfolio Recovery response to complaint XXXX, they never address the illegal activity of unlicensed debt collection. Portfolio Recovery is not licensed in Nevada and needs to cease collection on this account including credit reporting.
Product: Checking or savings account

Was lured into huntington bank with the promise of a 4.5 % yield on my money market account an no fee checking on XX/XX/year>. Since then, i have deposited over $ XXXX. When making a deposit on XX/XX/year> ; i learned my money had been placed in a laughably low rate checking account and i was NOT receiving the interest I was promised. i demanded to be made whole for money i was cheated out of. i demanded to speak with a manager. Was told " XXXX '', the manager was not available. I said i you ; ld be expecting a phone call and a correction. NONE has been received. I have been placed on long holds and have made 2 phone calls to Huntington Bank. Run around does not even begin to describe what I have been put through. My funds are STILL not in a money market1 I was told by a snarky woman named " XXXX '' that XXXX was on vacation until XXXX and she had no idea who was handling my complaint nor when it would be resolved!!! I want to be made whole for the interest that has been stolen from me and I would like action taken against XXXX and the woman who mishandled my money, XXXX XXXX. Thank you for your help in this matter. 









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

ccordance 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Stat7es : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

For over four years we have communicated with Capital One Short Sale Department for a short sale for our real property. Most recently we commenced the process again in XX/XX/XXXX. All documents including the financial worksheet, 3rd party authorization, short sale package, XXXX Listing agreement, offer and binder for sale of the property were provided. Capital One Short Sale Department was contacted on XX/XX/XXXX ( fax listing agent, 3rd party authorization ) XX/XX/XXXX ( XXXX Listing and shortsale package by email ), XX/XX/XXXX ( called ), XX/XX/XXXX, XX/XX/XXXX ( XXXX Capital One, and XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ,XX/XX/XXXX sent the graceful exit forms ( XXXX ), XX/XX/XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ) credit authorization form sent and completed all documentation for XXXX and XXXX the third party providers of Capital One and they stated that they were going to list and auction the property, XX/XX/XXXX Listing addendum sent, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX and XXXX ) ,XX/XX/XXXX changed locks because of breaking into the home and police called, reported to Capital One, XX/XX/XXXX ( XXXX ) home declared noninhabitable by Town of XXXX letter sent to Capital One, XX/XX/XXXX spoke with XXXX of Capital One , XX/XX/XXXX XXXX  contacted because the Capital One Third party provider changed locks and removed the padlock installed by the Town of XXXX. XX/XX/XXXX Contacted home preservation department and spoke with XXXX to cease and desist entry into the property. XX/XX/XXXX Capital One grants conditional approval letter on XX/XX/XXXX stated XXXX and that the file was with XXXX the shortsale underwriter. XX/XX/XXXX Appraisal of the property delivered to Capital One and it is reported that within 7 days that XXXX would list the property and that if the auction bid was completed the property would be sold. XXXX has delayed the listing after receiving all documents and over two weeks have elapsed without any listing. XXXX ( XXXX XXXX account manager ) and XXXX refused to accept the XXXX Listing with photos and continuously finds excuses to reject the documents and photos such as every picture should have a detailed description which is not a condition of Capital One Short sales department. Capital One Short Sale Department assured us that we would be able to complete the process within 7 days with their third party provider and be able to move on with the sale of the property. There is no obligation or written agreement that the homeowner provide 15 photos of the home in order to complete the shortsale especially when the bank performed a BPO and has all the pictures of the home that they need that they can provide to XXXX and XXXX. They have not acted in good faith and continue to find ways to delay the process.For over four months XXXX failed to list the property and requested documents again and Capital One allowed them to delay our shortsale. I am tired and very frustrated and in desperate need of government intervention as they abused their authority and made things entirely difficult to shortsale the property. They have put me through four years of misery.
Product: Debt collection

I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.
Product: Bank account or service

Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I accepted a settlement in the amount of {$3000.00} as full and final settlement of my account, and I opted to make your payments by debit card ; however, this is still extremely difficult for me to pay in spite of my best efforts. The Big Picture Loans representative informed me that if I were to not make these payments on time the settlement would be null. I don't feel this company is fair or cooperative enough given how extremely high the interest charges and installment payments are. I need help please. Thank you.
Product: Credit reporting or other personal consumer reports

your account. 
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this
Product: Money transfer, virtual currency, or money service

I XXXX XXXX, would like to express my concerns regarding Zelle 's handling of disputes. in recent CFPB lawsuit highlighting significant issues with the platform, using Zelle multiple times and reporting, my inconsistent financial institution and Zelle did not investigate my claims suitably. They informed me that recovering lost funds was impossible and that tracking these transactions was impractical. The CFPB 's finds that Zelle has not only not value 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 card or prepaid card

The credit card belongs to XXXX. I began having financial difficulties about 3 months ago and the past due amount is around {$400.00}. The option to pay on the past due amount was an ideal proposal and I began to make payments and arranged a future payment schedule. 

I have been paying this way for about 2 months. Now this month when I went online to make my payment, there is a red message telling me the account is closed and for me to make payments until the balance is paid off. 

About 2 months ago the account was breached and I sent XXXX a message that someone had been phishing my account. I knew this because I had to change my password to access the account. 

Meanwhile, XXXX told me that there was no problem with the account and if it had been breached, just to change the password. XXXX also told me that I could continue to use the online feature of XXXX to make purchases, I just could not use the XXXX charge card to pay for them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX  XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I looked at my report and i noticed there is innacurate information that is affecting my credit record, therefore I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/XXXX EXPERIAN received the letter and i haven't received any information from them. 

I looked at my report and noticed everything is still the same. 

and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian really Haven't done anything to help me
Product: Credit card or prepaid card

On XX/XX/2022 I had noticed XXXX fraudulent charges totaling in the amount of {$270.00}. XXXX of which were from target and the other XXXX. Far away from where I had just used my card less than XXXX to XXXX hours prior. I informed the person that my card had been fraudulently used and was asked if i might have idea who. I said I do not know and that it could have been a family member or someone else I do not know but that it was done completely without my knowledge. I was told it would be handeled and went about day. XXXX weeks later it had not been handed so i filed a CFPB report. About XXXX weeks later the funds retured and to my understanding that meant everything was handled, because I still had no communication from capitol one. I got about my week and use card maybe twice throughout it. I then get off of work on XX/XX/XXXX and try to purchase food and it is declined. The XXXX dollars was taken back out of account and i now was over my limit. I call in XXXX  to try to see what is happening and I'm told it was denied because no fraud was found because i had said it MIGHT be a family member OR someonei dont know when was asked if any idea who XXXX have used card! I then ask for XXXX and talk to him. We talk and i explain situation. He puts me on hold and then comes back and states HIMSELF that he sees something that XXXX considered and KNOWS FOR A FACT THAT I HAD NO KNOWLEDGE TO THIS AND THAT IT WAS FRAUDULENT. He tells me he has to get the reversal approved by system and will call back. He then calls back a hour later and tells me that it is denied simply because of me speculating it might have been a family member without my knowledge!! I inform him that I even stated that it might have been someone I do not know also qnd despite that he said that somehow now its not considered fraud, even though he stated before on his recored line that he KNOWS it was fraud. He then tells me im not only liable for the FULL CHARGES!! I ask to speak to anyone higher than him or if can communicate with corporate he then tells me he is the higheset. His headset then gets some static and im hung up on! This is ridiculous!! Its CLERALY FRAUD AND THE XXXX HIMSELF EVEN STATED IT AS SO!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with TRANSUNION regarding the data reported on my credit file that has not been properly verified, proven valid, or documented as accurate and fully compliant. 

I have noticed questionable remarks on my credit report. As a consumer, I have the right to demand that these entries be deleted promptly in accordance with my federal and state consumer rights. I am submitting this complaint to ensure that the reported items comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the required procedures. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/year>