23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disputed the collections account with XXXX XXXX XXXX with XXXX and Equifax in XX/XX/year>. This is a past medical account. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Furthermore, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Additionally, XXXX XXXX is not XXXX  accredited and is listed as " no longer in business ''. I have attached a .pdf of this from the XXXX.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Bank , N.A . 
Attn : Executive Office XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Wrongful Foreclosure & Fraudulent Conduct Property Located at XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Wells Fargo Executive Office & Legal Department , I, XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX , am writing to formally demand the immediate rescission of Wells Fargos XXXX foreclosure and sale attempts regarding my property at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Your foreclosure actions, attempts to sell the property at an artificially low price, and ongoing misrepresentations violate federal and state laws. 

FACTUAL BACKGROUND 1. Reconveyance of Property to Trust : The property was reconveyed to the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and recorded accordingly. 
Wells Fargo was merely the servicer of the mortgage, not the lender or noteholder, and lacked legal standing to foreclose. 
2. Full Satisfaction of the Loan at Signing : The loan was paid in full at origination when I signed the promissory note, meaning Wells Fargo had no legal claim to collect payments or enforce foreclosure. 
Any claim that payments were due is fraudulent. 
3. Foreclosure and Attempted Sale Violations : Despite the reconveyance, Wells Fargo proceeded with foreclosure and a fraudulent sale in XX/XX/XXXX at half the propertys market value. 
Wells Fargo knowingly misrepresented its authority to foreclose, in violation of New York foreclosure laws and federal consumer protection statutes. 

DEMANDS & LEGAL CONSEQUENCES Wells Fargos actions constitute wrongful foreclosure, fraud, unjust enrichment, and deceptive trade practices. You are hereby demanded to : 1. Immediately Cease & Desist any further foreclosure or sale actions on XXXX XXXX XXXX. 
2. Rescind the XX/XX/XXXX attempted sale and provide proof of correction in the property records.

3. Provide full documentation of loan ownership and chain of title, including the promissory note, deed of trust, assignments, and servicing agreements.

4. Provide a written admission that Wells Fargo is not the lawful noteholder and lacks standing to enforce the debt. 

Failure to comply within 10 days of receipt of this letter will result in legal action in federal and state courts, including claims for : Fraud & Deceptive Business Practices Wrongful Foreclosure & Quiet Title Breach of Contract & Violations of RESPA/TILA Equitable Relief & Financial Damages This is your final opportunity to resolve this matter outside of litigation. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased an item from XXXX XXXX at the end of XX/XX/2023. Around the same time I had several fraud charges on my account. The valid charge for XXXX XXXX was accidently included in the dispute when I reached out to my customer service for my card. XXXX contacted me and advised if I could cancel the dispute they would go ahead and send my order as it was ready to be shipped. I canceled the entire dispute and received a letter from the card company stating that my dispute was canceled and that I would not receive any money back for the items disputed. I forwarded that email to XXXX. XXXX is being told by the card company that the dispute is still open and under investigation, but when I call they tell me that it's closed. Due to this XXXX has both my order and my money. I have called XXXX TWELVE TIMES and emailed a supervisor around six times, Im getting the runaround. The dispute was filed in XXXX, it is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN SEVERELY HINDERING MY CREDIT WITHOUT MY KNOWLEDGE. THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY AND I REQUEST THAT THOSE DEROGATORIES BE INVESTIGATED AND BE REMOVE OFF MY REPORT.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is a medical bill that I received.I fell at XXXX and got injured they are responsible for the bill not me.i received a letter in the mail today from transworld systems inc XXXX/XXXX/2015 stating that if I do n't pay bill in full they will report to the credit bureaus.i tried contacting the number they provided it rings XXXX times then the line remains open with no one on the other end to speak with
Product: Money transfer, virtual currency, or money service

on XX/XX/2019 I tried to cash out my money from cash app to my bank card I was told that my account has been closed and then I should link a new debit card to withdraw my remaining funds every debit card and credit card that I've linked is not compatible with cash app there is no operator to speak with only voice animated replies I currently can't withdraw the funds or send the funds to someone else ... I have no idea what to do now I've been trying for two months now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  claims that I owe them for leasing an apartment or home. I have never leased an apartment with those people. I have lived at home address for 25 years and just moved to a condo. This account was opened fraudulently and I have already filed a police report over a year ago. I submitted the police report to all 3 bureaus and XXXX and XXXX have already removed the fraudulent account. For some reason no matter how many times I speak with someone and dispute the item and send in my police report Equifax does not want to remove it. They told me based on the info the creditor gave them they have verified that the item belongs to me which is totally UNTRUE and UNFAIR. This particular debt is ruining my life my signature was forged on the lease and they are making me suffer. I recently disputed it again and I was told 3 days later the dispute was completed and it will remain on my credit report how can they investigate in 3 days? This is insane!! These people can not prove that I lived in an apartment it is not tied to anything else on my credit file. I did everything I was supposed to do now Equifax needs to remove this item I am tired of dealing with this and plan on taking legal action very soon.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate information in my credit report 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC XXXX XXXX XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate information in my credit report 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate information in my credit report 6. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate information in my credit report
Product: Mortgage

Bmo bank has the mortgage on the home they held the insurance money for the home repairs forced us into foreclosure broke into our home while under construction and removed tools and personal items and changed lock during mandatory foreclosure mandate and after they were informed the previous time they tried and we called the police. The bank agreed to remove the foreclosure fees and legal fees and allow use to reinstate. The bank has not removed the fees and continued to charge use the fees and the foreclosure court date is approaching. We have the funds to pay the missed payments. We have tried to resolve this issue for a year but the bank has still not fixed the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Mortgage

Specialized Loan Servicing paid my property taxes late. I received a notice from XXXX XXXX XXXX requesting a balance due of {$50.00}. I called on the balance due notice on XX/XX/2022 and was told that from the XXXX XXXX XXXX that my property taxes were due on XX/XX/2022 and they did not receive payment from my loan servicing company until XX/XX/2022. I called loan servicing company on XX/XX/2022 and they told me they would research for a resolution. They did not pay the late penalty and interest so when we sold our property the title company withheld {$84.00} to pay XXXX XXXX XXXX. 

I want a refund issued to me from my loan servicing company in the amount of {$84.00} immediately as I did not pay this bill late so I shall not be held responsible. 

Specialized Loan Servicing had just taken over my loan servicing on or around XX/XX/2022 from XXXX XXXX XXXX  never have I had such terrible loan servicing from a lender. 

I just contacted XXXX XXXX XXXX again today XX/XX/2022 and was told that they received the late penalty and interest from XXXX XXXX XXXX and posted the payment on XX/XX/2022 and we closed on the sale of this property on XX/XX/2022 in the amount of {$84.00}. 

Specialized Loan Servicing is saying they are not responsible for refunding me my money because I already paid of my loan and it was not their fault that they paid with my escrow account my property taxes late.
Product: Debt collection

DEPARTMENT OF JUSTICE [ XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ),  DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is XXXX XXXX true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



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

I requested a credit freeze on my account and the company will not acknowledge my request. I have sent certified mail and I have not received any notifications from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had been working tirelessly to bring down my debt after buying a house in XXXX  and using credit cards to remodel. After finally getting some money together to pay off XXXX XXXX I did so and my account remained and is currently opened. I eventually got XXXX $ together and decided per recommendation to pay off my Wellsfargo CC off to increase my available credit and to be able to apply for a HELOC. Three months after paying off the card WellsFrago unilaterally closed my account for having a high income to debt ration and being deemed a liability, how can I be a liability when I do not owe them. This caused me to lose available credit that I needed to apply for my HELOC and I continue to have a high income to debt ration. Wellsfargo acted unfairly in a retaliatory manner, as I did not have any late payments.WellsFargo should reinstate my account. I have included an old account number as the new credit card issued is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

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

I filed a dispute with Equifax on XX/XX/XXXX by phone as the website was down temporarily. Equifax is reporting an account that is not legitimate and is the only agency reporting that account. Confirmation of the dispute filing was received. The results of the investigation states that the item had been deleted from the credit report on XX/XX/XXXX. However, the dispute remained open and the item still showed on my credit report. I contacted Equifax again on XX/XX/XXXX by phone and was told to dispute the item again. I declined as the dispute and resolution had been obtained, but the action noted had not been taken. On XX/XX/XXXX, the dispute showed a " completed '' status on their website with the same resolution of the item was removed. Again, the item still showed on my credit report and again, I contacted Equifax by phone and was told it would take " a few days to be removed ''. On XX/XX/XXXX, the item still showed on my credit report and upon contacting Equifax by phone ( as the website shows temporarily down still when attempting to submit online ), I was told it will be another 30 days before the item is removed. This is not FCRA compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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.