23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Great Western Bank ( GWB ) did on XX/XX/2003, had delivered and record a Deed of Trust ( DOT ) after the fact that they had already been paid in full by XXXX XXXXXXXX Bank ( XXXX ) on XX/XX/2003 as the Mortgage Note was endorsed by GWB when the sale took place. 

As GWB had between XX/XX/2003 through XX/XX/2003, to have delivered and record the DOT, however, after that day on XX/XX/2003, GWB was no longer owed a debt by me and was not the " holder in due course '' and could not place a lien against the property. 

Violation of State of Nebraska XXXX occurred when GWB had the DOT recorded and at some point after selling the mortgage loan debt that was transferred to XXXX and in the Mortgage Electronic Registration Systems ( MERS ) which only begins when a valid recording of the DOT has been delivered and recorded at the local register office, and in this case that is XXXX XXXX XXXX XXXX XXXX Office , however, as GWB did realize that they had not recorded the DOT as they imputed the information into the MERS system on XX/XX/2003, that they were transferring the " Title '' inside MERS performing Transfer Beneficial Rights-Option 1, stating the transfer took place on XX/XX/2003, when in fact on XX/XX/2003 the DOT had not yet been delivered and recorded. 

On XX/XX/2003, the mortgage loan was accepted into XXXX 's XXXX XXXX XXXX which as a requirement of the XXXX pooling the DOT and all assignments are required in the file as with the UCC3 procedure of endorsing the Mortgage Note in blank and transferring it to XXXX making XXXX the owner of the Mortgage Note, but because XXXX can not and does not purchase the Mortgage loan debt, it is not entitled repayment of the debt, but by being in possession of the Mortgage Note it stop all action on the loan because XXXX does not have the ability to act as they don't own the Mortgage Note. 

GWB now removed from the Mortgage contract and XXXX having already taken possession of the endorsed Mortgage Note and XXXX endorsing in blank the Mortgage Note and acting as the custodian of records for XXXX without having a recorded DOT because one has not been delivered until XX/XX/2003, when in fact neither GWB or XXXX could have delivered and recorded a DOT or assignment of DOT because XXXX is owner of the Mortgage Note, but itself can not record a DOT due to the fact that they are not owed a debt as they are not authorized by US Congress to buy or sell a Mortgage loan and are not a originator of any loans. 

GWB could not deliver and record a DOT against my property as they were not owe a debt after XX/XX/2003! The Mortgage loan is a non-secure debt as a valid DOT was not recorded by GWB. 

Why did GWB not inform XXXX XXXX that a sale of the debt occurred on XX/XX/2003? Because of the fact it would have alerted the register that GWB was not the party to be recording the DOT after XX/XX/2003, and would have been XXXX who from XX/XX/2003 until XX/XX/2003 to be the one that needed to record a DOT signed by me giving XXXX the authorization to record, and after XX/XX/2003, there not ability to record a DOT due to the fact the loan been accepted into the XXXX XXXX XXXX XXXX pooling.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an online savings account with Barclays to which my access has been blocked by the bank. 

The Barclays bank merged customer accounts by merging the credit card accounts and deposits accounts and created trouble Barclays created a trouble ticket XXXX XXXXXXXX and do not have the timeframe for the resolution. 

The access to the funds have been blocked thus restricting the ability to do any transactions including withdrawals and deposits. 

An important things that needs to be noted that Barclays savings account is only an ONLINE SAVINGS account and that there are no ATM or Debit cards, or bank branches or checks through which the transaction can be made.
Product: Credit card or prepaid card

I use a Banana RepublicXXXX credit card supported by Barclays. I have XXXX dollars in reward. On XX/XX/2022, I made a purchase of XXXX USD at XXXX XXXX XXXX XXXX XXXX, FL. I was not able to redeem my rewards for the purchase. I had requested both Barclays and Banana Republic to resolve this by making the adjustment in my statement. The Banana Republic offered to give more rewards, but I have refused to accept that offer, I would rather prefer, the redemption of the reward and adjustment in my statement.
Product: Credit reporting or other personal consumer reports

This is XXXX  XXXX XXXX 's XXXX. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Product: Credit reporting or other personal consumer reports

All these companies reported Inquires and Incorrect Information ( 15 USC 1681 ) to XXXX, XXXX, Experian : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. XXXX has a closed account listed as XXXX for {$9100.00} which says Charged Off and that is a " certificate of indebtedness '' which is considered income, and income can't be reported. XXXX has a closed account listed by XXXX XXXX XXXX for {$25000.00} and late 60 days. XXXX XXXX XXXX have a closed account listed by XXXX XXXX for {$390.00}. XXXX has a closed account listed by XXXXXXXX XXXX XXXX for {$8500.00} and 30 days late. XXXX, XXXX, and Experian have a closed account listed by XXXX XXXX XXXX for {$250.00}. XXXX and Experian have a Charged Off account " certificate of indebtedness '' " Income '' listed by XXXX XXXX  XXXX XXXX for {$7300.00} reported twice. XXXX has a closed account listed by XXXX XXXX for {$15000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. XXXX, XXXX, Experian have XXXX XXXX XXXX XXXX 's listed for {$210.00}, {$2300.00}, {$530.00}, {$1600.00}, {$1800.00}, which are all illegal to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate information on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have filed a report with FTC and contacted the police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you
Product: Credit card

Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is XXXX
Product: Credit card

My home depot card is constantly being decreased without any prior notification causing a negative impact on my score and embarrassment at the counter.This does not seem ethical to do and when I request to increase back to my original balance it gets denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These are reported on credit reports fraudulently and I demanded all credit bureaus by letters. 
I've sent my letters in, they have yet to provide me with results. this was almost 30 days ago and still haven't got anything I demanded by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Product: Prepaid card

XXXX XXXX made {XXXXXXXX charges to my account that were not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent Experian, XXXX and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account is a duplicate reporting of debt reported by another collection agency. I want to inform you that the debt you are reporting is invalid as I already made a full payment on this amount.. My financial reputation is seriously damaged by keeping this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of XXXX days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for XXXX dating back to several years ago.
Product: Money transfer, virtual currency, or money service

I have an account with coinbase. my email address is XXXX. They closed my accounts with no explanation and told me to move my USD in my wallet out. At the same time they closed all my bank accounts associated with my USD wallet. So when I tried to move money out, the system asked my to select an bank account but there is no bank accounts to select. The total amount of money in the wallet is {$5400.00} USD. They need to bring my bank account back to the system so I can transfer it out or allow me to fill in the bank account information. This issue has been ongoing for almost five months. I have send them numerous emails and called them many times but with no response so I have to report it to you. I want all my {$5400.00} USD back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reported a complaint about Transunion refusing to investigate my dispute or update my credit in complaint id XXXX. Transunion stated they were investigating the matter & have now incurred an error & the dispute disappeared entirely. This has been the FOURTH DISPUTE they closed without investigation. I have provided a letter from the creditor regarding the information thats incorrect on my credit report. Transunion damaged my credit score so significantly Im ineligible to purchase a home all because they refuse to correct a late payment report that was made by mistake regarding a student loan that is in DEFERMENT!!!! ALL STUDENT LOANS ARE DEFERRED. Ive already submitted a complaint about Transunion, who of course responded that theyre investigating the issue which they immediately incurred an error with & closed the investigation. PLEASE DO SOMETHING.
Product: Debt collection

I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.
Product: Checking or savings account

Ive been banking with Chase since 2006, nothing was wrong until last month, they closed all of my accounts. I tried to call them to ask about it, they just said seems like Chase ended relationship with me. I didnt do anything wrong.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

a bank to bank transfer ( ACH ) missing- peoples/M & T debited my account on XXXX. the funds were to be credited to XXXX XXXX. as of today the money is missing-
Product: Credit reporting or other personal consumer reports

I have a goal of getting a XXXX as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Product: Credit reporting

XXXX Bank is reporting inaccurate information on my credit report. I requested information from them via US postal mail, citing FCRA statue 623 on XXXX XXXX, 2016 ( Letter attached ) They have ignored my request & continue to report accounts negatively on my Equifax and XXXX reports. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I know it 's the data furnisher 's responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including the correspondence I 've sent to the Equifax as well to get them to remove and they 've merely passed the buck to XXXX.
Product: Debt collection

Debt was discharged in bankruptcy. New collection agency assumed the debt and is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Transunion consent to report defamatory and false statements on my consumer report. Furthermore, XXXX has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.
Product: Credit card or prepaid card

Capitalone is harassment on my payment that is not due till XXXX of each month.Iam on fix income with social security, i get paid on 3rd week each month.Capitalone demanding payment on XXXX, by XXXX.My social security this month comes on XXXX, Capitalone sent this note yesterday to me : About your XXXX Card ending in XXXX XXXX, Dont forget, your online payment is due by XXXX XXXX ET on XX/XX/2021. 

If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments.
Product: Checking or savings account

In XXXX I was in a very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the hospital and then a XXXX XXXX from XXXX until XXXX. I was assigned a state employed home health care worker in XXXX who abused their position to gain access to my Financials. The police discovered that this person while i was in a XXXX XXXX XXXX had used my finger to unlock my phone and ad their own biometrics to the device which they then stole. They were finally arrested in XXXX and the police recovered my phone, debit cards and other personal items that had been stolen in the process. Due to my limited vision i wasn't able to fully scope the entire situation until after the arrest. At that point I canceled cards and changed pins but they were logged into my XXXX  from another device and even after their arrest when I updated my info they proceeded to make XXXX more transfers. They were then rearrested and I had someone from the financial crime devision sit with me and go through everything and make sure we took away their access once and for all. The police provided Providers with detailed information regarding how the charge suspect got access, maintained access and that my personal phone wasn't returned to me until late XXXX. Further more the account that was withdrawing my funds is not registered in my name nor had my device ever been associated with it. I had to file XXXX different disputes. The two with substantial charges were immediately denied but only the one with XXXX dollars agreed that the police communication was sufficient to proceed with my dispute. I again appealed using the acceptance of one and was again denied but this time that person decided to deny all XXXX. Today is the XXXX business day since I filed the disputes.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under theFair 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected or 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 inaction violates federal law and my rights as a consumer