23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I, XXXX XXXX, took possession of the property located at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. Therefore, let it be known that I, XXXX XXXX, do hereby claim the property at XXXX XXXX XXXX in XXXX XXXX to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by Alliant Credit Union who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of XXXX 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform Alliant Credit Union and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System in depriving people of their rightful possession and usage of their private property.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

My account on Robinhood was restricted on XX/XX/XXXX, right when I deposited a decent amount of money to Robinhood. It has been a week and I tried contacting support twice over the phone about my case, and all they said was to wait for someone to review my account. I have about XXXX locked up in my Robinhood account, and I'm unable to do anything with it. I also have a credit card with this company and ever since my account was restricted, I'm unable to use it also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and mentioned that I made a payment and they made a report stating that my account was delinquent and it's not. They refused to reverse the report
Product: Mortgage

I have attempted to modify my mortgage loan since XXXX. In the last two years, I have repeatedly been asked to compete applications and submit supporting documents multiple times. Throughout the process I have been assigned to multiple loan specialists which has complicated the process. Last XXXX I was referred to contact Keep Your Home California due to negative equity in home and was told that Nationstar would be working with them to re modify my loan. 
According to Keep Your Home California, Nationstar refuses to re-cast my loan in order to receive XXXX Principal Reduction ( {$25000.00} from this to bring my loan current ). 
Additionally, Nationstar contacted me to have an in-house modification but denied me due to negative property value, only, not income issue. Nationstar has informed me that the only way they re-consider is if I write a complaint to them. My loan is currently in foreclosure with a sale date of XX/XX/XXXX that has been placed on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus
Product: Mortgage

Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized actions taken by Experian regarding my credit profile. Specifically, I am requesting the immediate reinsertion of accounts that were improperly removed and the cessation of any unauthorized disputes. 

The following accounts were removed from my credit profile without my authorization, and they need to be reinstated immediately : XXXX. **XXXX XXXXXXXX XXXX XXXX Report XXXX : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Original Balance : {$69000.00} - Status : Paid in full and closed as agreed XXXX. XXXX XXXXXXXX XXXX XXXX* - Report Number : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Original Balance : {$50000.00} - Status : Paid off and closed Additionally, there is an unauthorized dispute on my XXXX XXXX XXXXXXXX account that must be stopped immediately : XXXX. XXXX XXXX XXXX XXXX Report Number : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX These are my legitimate accounts, and they should never have been disputed or removed. Experian 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm and inconvenience. 

I request the CFPB to investigate this matter and ensure that Experian rectifies these unauthorized actions immediately.
Product: Debt collection

National Credit adjusters reported to all XXXX XXXX XXXX a collection debt for XXXX from XXXX from XXXX XXXX. I made a dispute and sent them information that cash central reports paid in XXXX. This company reported on my credit without sending any notification of the debt by mail or by phone. I never had a chance to dispute this debt or show it paid. They just reported on my credit and dropped my score XXXX points There response On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX wrote : Current Creditor : National Credit Adjusters , LLC XXXX Balance XXXX {$4500.00} NCA Account # XXXX Account # Original Creditor Balance XXXX XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX, XXXX XXXX for the delayed response. 



We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. 



We will refrain from communicating with you while we research and validate the debt. However, if we mail you validation of the debt, we will resume contacting you some time afterwards. 



This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 



Sincerely, National Credit Adjusters XXXX response to them You do not have to refrain from speaking with me as you have never called me or sent any communication of this debt being owed. I sent the dispute out XX/XX/XXXX and you know respond XX/XX/XXXX. 

You have reported this collection to all three bureaus on my credit report without sending out proper notice of the validity of the debt. I am quite knowledgeable of the Fair Debt Collection Practices Act that came into effect XXXX of XXXX. Are you familiar with these laws? 

There are certain steps debt XXXX must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable If the debt collector sends you a validation notice, it means that theyve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting. 

Where is your validation Notice? I suggest you remove this debt from my credit immediately within XXXX hrs or I am filing a complaint with the CFPB. 
I suggest you take this seriously. 

Sincerely, XXXX XXXX
Product: Credit card

I have contacted American Express about fraudulent charges on my account two years ago, including with XXXX XXXX XXXX who even verified it was a fraud charge. It still has not been resolved. 

They continue to report this to credit bureaus.
Product: Mortgage

I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Product: Student loan

Asked back in XXXX how can I lower my payment. Sent me an application and address where to resend paperwork. Been calling to see if they received it now I'm informed that it's the wrong paperwork and wrong address. So they sent me paperwork to consolidate loan. I only have 1 loan can't get any information because they keep telling me I can find it online. Then was told to talk to student aid. Student aid tells me to talk to Navient. They have postponed my payment until XX/XX/XXXX pending paperwork. They told me can take upto 6 weeks. I have no idea where the 1st ( wrong ) application is with all my financial information is. I'm at witts end and don't know what to do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of a recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and discrepancies, my final Institution and Zelle refuse to investigate my claims adequately. They informed me that recovering lost fund was impossible and tracking these transactions was unfeastaible. The CFPBs finding indicates that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Product: Credit card

I have made several attempts to dispute a merchant charge with my credit card company, Barclay 's Banana Republic Mastercard. I received the wrong merchandise from retailer XXXX who refused a refund. Credit card customer service first declined the credit due to insufficient information. They instructed me to fax in photo of item ordered, photo of item received, description of issue and all email correspondence between myself and merchant to show proof of my attempts to get a refund. I provided all requested documentation but now credit card company is stating I need a third party letter from another retailer who sells the same item stating that the item ordered is different from item received. The photos provided CLEARLY show the difference. Dress I ordered has long sleeves and is described as a maxi embroidered dress. Photo of dress received is short sleeved, not embroidered and has a different neckline. The credit card company refuses to resolve.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 2682. 

Account name : XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX/XXXX  Acct XXXX : XXXX Acct name : XXXX XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX, Acct # XXXX has violated my rights. 

I was trying to buy a house and I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 U.S.C 1681 ( e ) ( b ).

And according to 15 U.S.C 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to the 15 U.S.C 1681s-2 they are supposed to 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 account is inaccurate. Please remove t
Product: Student loan

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative late payment entries reported by XXXX XXXXXXXX XXXX XXXXXXXX  on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX XXXXXXXX XXXX  are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate.

2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments.

3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed. 
4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately.

5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA. 
6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. 
As a result of this dispute, I request the following actions from the credit bureaus : 1. Investigate the reported late payments from XXXX XXXX XXXXXXXX XXXX XXXX 
2. Remove the negative late payment entries from my credit report if they are not proven to be accurate after your investigation.

3. Provide written confirmation that the inaccurate information has been corrected and removed from my credit file. 
Please provide me with the results of your investigation within 30 days as required by law. Should you require any additional information or documentation to proceed with this dispute, please notify me promptly. 
I expect a full and prompt resolution of this matter in compliance with the relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, US DEPT ED, and REGIONAL ACC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, US DEPT ED, and REGIONAL AC with no successful resolution.  There was definitely an error on their part.
Product: Checking or savings account

The most recent dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX {$XXXX} overdraft fees The bank has taken down my other notices for the past few years. I had to pay pay almost {$XXXX} within XXXX weeks because they kept holding my check for days at a time
Product: Credit reporting or other personal consumer reports

due to the inaccurate information on my credit report that XXXX XXXX and Experian is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a XXXX XXXX XXXX CEO of total XXXX XXXX and I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over XXXX times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately
Product: Checking or savings account

Someone opened a bank account online with my name, address and used my social security number. I am unaware of how they were able to access my information. The bank called me to ask if I need help with my new account that was created on XX/XX/22.
Product: Prepaid card

RushCard has somehow offloaded all its clients funds to never land! I ca n't access my account. Ca n't get thru to customer service. No explanation from RushCard. I 've called, been hung up on and on hold for a XXXX ... then hung up on again. I do n't know what 's going on, but I want my money! I 'm being told by their app that I have no cash ... when indeed I just got direct deposit which was released to their banks ... no lost ... Help! Only thru XXXX did I figure out what was going on .... I followed RushCard instructions and to no avail ....
Product: Debt collection

XXXX constantly calls people that I am not related to in any way. They call every single day and leave messages.
Product: Credit reporting or other personal consumer reports

The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

Transunion added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX  ( date XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX  ( date XX/XX/23 )