23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Demand for face-to-face meeting with the Creditor to return Original Promissory Note, original Mortgage, original Assignment of Mortgage ; release of the lien signed by an authorized officer of the Creditor and proof of separation of asset from account receivable owned by the Creditor. 
on XX/XX/XXXX Servicer Wells Fargo N.A. for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sold my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX for {$130000.00} to a bona fide buyer. 
I never received back my original documents after this sale - Promissory Note, Mortgage and Assignment to XXXX XXXX. I also never received any releases of the lien which means that my original Note and mortgage are still in circulation and generate about {$180.00} per {$1.00} dollar listed in the Note.

As the result, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX system sent me a " Notice of Servicing Transfer '' to XXXX XXXX XXXX, XXXX with demands for payments for the " mortgage '' three months after my property was sold.

I demand ( A ) RETURN OF THE ORIGINAL NOTE AND THE ORIGINAL MORTGAGE ( B ) PRODUCTION OF PROOF OF PAYMENT AT ORIGINATION AND ALL TRANSFERS UPON WHICH THE PRETENDER LENDER RELIES FOR ITS AUTHORITY TO COLLECT THE MONEY AND ( C ) PROOF OF LOSS BY ACCESS TO THOSE PEOPLE WHO MIGHT HAVE RECEIVED AN ASSIGNMENT OF THE LOAN OR WHO HAVE A BACK-DOOR OWNERSHIP INTEREST IN THE LOAN THROUGH OWNERSHIP OF A DERIVATIVE OR CREDIT DEFAULT SWAP.

This is necessary to prevent multiply liabilities since it is possible for the occasional real note to pop up and someone else will demand from her payments, as it happened before despite the fact that her faux mortgage documents are supporting XXXX XXXX XXXX in credit derivatives, insurance and credit default swaps upon which undisclosed to her investment bank and its non-disclosed intermediaries hedge funds and XXXX XXXX had already been paid many times. 

XXXX XXXX non-human " lien release '' is not acceptable. I demand a face to face meeting with the authorized officer of the Creditor who has personal knowledge about accounting and bookkeeping to return me my original documents and a release of the lien we-ink signed by the authorzed officer of the Creditors and all other parties who had interest in the collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filled my Yearly Credit Report with Equifax, on XX/XX/XXXX. Then today, XX/XX/XXXX, I found out about the recent sqeuirty breach of their servers. I went to https : //www.equifaxsecurity2017.com/potential-impact/ to see if my info was impacted, It was. So I went to XXXX to place a 90 day account watch on my info, which is to be shared with the other major credit report bureaus, Equifax included. I believe they failed there responsibilities on their end by allowing this security breach, as the are required to collect and monitor my information by law.
Product: Vehicle loan or lease

I have recently sent Prestige a rescission letter, letting them know different violations that I found within my alleged contract and that I am rescinding the contract. According to the federal law with any contract either party has the right to rescind at any moment. They received their letter by certified mail on XXXX XXXX stating that they had 20 days to respond. I have not received any response as of todays date. I take it that my notice has been accepted upon receiving the notice and upon the postal rule. I was never given that option to rescind nor did I ever sign off on anything waiving this right. Federal law states I have this right, I also noted in my letter upon reading the federal law it states the finance charge is the sum of ALL charges including interest and any premiums. My alleged contract that I have does not seem to show this. I was never offered any insurance through them my alleged contract shows all 'N/A 's as if this does not apply to me. If its an option on the contract I should have been given that option. I do not recall having that option nor signing a waiver saying that I decline it. If so please provide me with the copy with my wet ink signature. If not why was I discriminated against. I have asked multiple times for the audit of my file which I am entitled to, I still have not been allowed an audit of the file they have with my name on it. Federal law states I have the right to my file if I ask. I am wanting to see all incoming and outgoing currency with in the file. Before sending the rescission they also received my letter revoking POA and ALL signatures. Both XXXX and the dealership along with their registered agents received the letter. I also filed the IRS 56 Notice of fiduciary over this matter stating that the dealership is no longer the fiduciary but it is now ME the living natural human. XXXX violating many federal policies, rules and codes. I will continue to follow through with the parties involved also putting additional authorities on notice of this matter. 

XXXX
Product: Mortgage

I lost my home through foreclosure because Wells Fargo would not refinance me with the loan modification program during the time I needed it I believe this was purposely done to make me lose my house and is part of the lawsuit against Wells Fargo. I would like help getting resolution from Wells Fargo for forcing me to foreclosure when I should have been able to save my home. They tried to force me to remove my ex wife from the mortgage before refinancing and she wouldn't sign so they wouldn't refinance.
Product: Credit card or prepaid card

HSBC ( XXXX ) has not resolved an issue first filed XX/XX/2019. They need to investigate payments to account XXXX Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$25000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood. 




Cordially, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with XXXX and Equifax XXXX The account has been reported inconsistently between the XXXX bureaus, with XXXX showing a collection/charge-off status and the other reporting severe late payments. Additionally, the sale of my account to collections occurred without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a thorough investigation into these issues. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX XXXX account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
XXXX. Inaccurate Reporting : Account Status : XXXX : XXXX Equifax : Reported as 120 days late, with additional claims of being Was 120 Days Late XXXX Time ( XXXX ), which is inaccurate and misleading. 
Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : Not reported Equifax : XX/XX/XXXX The discrepancies between the credit bureaus reporting, particularly regarding the account status and payment history, indicate significant inaccuracies. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, particularly the erroneous reporting of being 120 days late XXXX times by Equifax, is misleading and has caused undue harm to my credit profile and emotional distress. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My concerns regarding Zelle 's handling of disputes particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Product: Credit card or prepaid card

I had a Discover Card that was closed apparently Discover wanted me to submit some documentation to them about a secured account that I opened up and I never received notification so they took it upon themselves to close the account and send me back my deposit this was XX/XX/XXXX we are now going into XX/XX/XXXX since then each and every time regardless of my credit score I try to apply for a Discover card iamb declined for the following reasons status of existing/prior discover card account what is this mess? I could understand if I had a charge back with Discover I could understand if I was late I can understand if I owe Discover money none of those things fall in line I believe this is a bogus frivolous excuse to decline people for credit putting them on a blacklist and blackballing them when I speak to discover staff They have no Idea why Im still on the blacklist. Of course the company is not going to refer to themselves as having one but they clearly do because multiple countless times I have been denied creditFor the most frivolous ridiculous reason.
Product: Checking or savings account

Huntington Bank is making it very difficult for me to close my business checking account. They say they require me to come into a branch or send a notarized letter just to close the account! I do not want to do either of these things because both require interacting with people unnecessarily and putting myself and others at risk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX, XXXX, Credit Karma I am writing to formally dispute certain inaccuracies on my credit report as provided by your agency. According to my recent review of the report, I have identified several discrepancies that I believe warrant correction. 

1. Account Information : Account Name : XXXX. XXXX XXXX. 

Account Status : The report indicates this account is Closed, yet it shows a payment status with Charged off. This is misleading and should be corrected to reflect accurate information regarding my payment history and account status. 

Payment History : The report lists payment history as 30/60/90 days late with a record of 0/0/8. This does not accurately represent my payment behavior, as I have not been consistently late on this account. 

2. Amount Past Due : The report states an amount of {$770.00} as past due with no additional information. I request clarification and verification of this amount, as it appears to be an error. 

3. No Information on Payment Status : The report indicates No Info for the last payment status, which is inaccurate. I believe there is a record of my payments that needs to be updated. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide me with written verification of the findings. If you find that the information is indeed inaccurate, I ask that it be corrected or deleted from my credit report. 

Enclosed are copies of my credit report highlighting the inaccuracies, along with any relevant supporting documents. Please inform me of your findings and any actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$260000.00}.
Product: Mortgage

On XX/XX/XXXX an insurance bill for {$1000.00} was paid out of my escrow account. The fire insurance did not belong to me. I have been trying to get reimbursed for this money since the occurrence. Every week I get a different story. This needs to be refunded immediately along with any interest that might have been paid on it. XXXX for PrimeLending has been awful to deal with. My name and address did not appear on the bill they paid and they give no reason how this happened. Also, the bill was for insurance that expires XX/XX/XXXX. I purchased my place last XXXX so I could I have a policy that was going to expire in XXXX? Very sloppy and incompetent bookkeeping.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 please remove all unathorized and fradulent accounts and inquires XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And 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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reinvestigation; 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 15 USC 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 information is inaccurate. 


CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about 2019? -earlier? There was another XXXX? XXXX that had information posted to my report. 
I didnt realize any of this in till the Sheriff was gon na serve me papers from a collection company. However upon investigating, I was NOT the same person. 

The last item to have removed is being difficult. The personal loan has been bought and sold and transferred. 

Ive never received any information on loan it was just on my report. I reached out once to get a copy of paperwork that the claim was referring to. All I got was BLANK application, instructions etc. 
Now, why would I fill this out and return it? That would be giving them all information about me that they dont have.I would like to see : 1 ) APPLICATION 2 ) APPROVAL INFORMATION 3 ) PAYMENT TO BANK? CHECK?

Ill do a police report if needed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

My husband and I have been receiving calles from a company claiming to be a debt collector for Flex shopper. We have never had or purchased anything from them. When they started calling they were asking for my husband. He answered and when they ask him hiss birthday and last 4 of his social it didn't match and when they asked him if his birthday was XX/XX/1975 it was my bday and it was also my Social on the account. With his middle name and out last name. 
We told them this was not opened by us and didn't hear anything for a while. 
Now they are calling asking for me on his phone and mine. Leaving voice mails and threatening to file criminal charges against me for the debt in XXXX XXXX court. 
Please help this is very disturbing.
Product: Debt collection

Receive repeated daily phone calls from Sunrise Credit Services asking " if this is XXXX XXXX please press XXXX '' over and over again. The caller also advises that we should call XXXX. The message is a recorded message. 

This call is automated and comes in daily between XXXX XXXX and XXXX XXXX  XXXX. 
These calls started on XX/XX/year>. 

We received these calls on : XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX   XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX XXXX
Product: Vehicle loan or lease

US AUTO SALES went out of business recently. Without my knowledge or consent they refinanced my car and gave my loan to a different party. They edited my credit information and said Ive only paid on my loan since XXXX of this year XXXX. I first got the car in XXXX of last year XXXX. Due to the company filing bankruptcy the property is legally mine, but they are making me pay their debt to a debt collection agency, Westlake Portfolio Management. Earlier this month, they double charged my credit for the vehicle making my auto loan XXXX. They then closed my original loan with US Auto Sales with my payment history and transferred it into debt collections. I was informed by Westlake Portfolio that there is nothing I can do and just pay it or they will repossess my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am XXXX XXXX, consumer, natural person, and original creditor of an open-end-credit plan, was denied my right of credit by Navy federal Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Navy Federal Bank via mail and by email. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Navy Federal Bank 's adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Navy Federal Bank is now civilly liable to pay me for the damages.