23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 
The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 
Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX XXXX XXXX XXXX, MN XXXX cc : U.S. Department of Justice 950 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by XXXX Bank XXXX XXXX all US Bank XXXX XXXX to XXXX XXXX, is an account number that is also unknown to XXXX XXXX. This account number was referenced for correspondence sent to XXXX XXXX XXXX XX/XX/XXXX asxa Notice f rom US Bank National stating there was a Notice, Transfer, Sale, Assignment of Mortgage for this account number on XX/XX/XXXX by US Bank National . 

Assignment of Mortgage The Basics When your original lender transfers your mortgage account and their interests in it to a new lender, thats called an assignment of mortgage. To do this, your lender must use an assignment of mortgage document. This document ensures the loan is legally transferred to the new owner. Its common for mortgage lenders to sell the mortgages to other lenders. Most lenders assign the mortgages they originate to other lenders or mortgage buyers. 

Who is the original lender for account number When was this account sold to US Bank National? 
Who sold the account on XX/XX/XXXX. 
Who was the purchaser of this account on XX/XX/XXXX ( see attached Notice of Assignment of Mortgage ). 

XXXX XXXX looks forward to your response within 20 days from the date of this letter. 

UNLESS the specific documentation requested is provided to XXXX XXXX, any and all further written correspondence sent by USPS, by an attorney, or by any other party/entity regarding XXXX AND this account number and/or mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 

Very truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ordered items from XXXX with XXXX card, items never delivered proven by driver 's photos, substituted item which was never ordered defective, I have emails from XXXX acknowledging problems, I have the delivery driver 's photos which clearly show items not delivered. 
XXXX has evaded responsibility. 
XXXX has " investigated '' and could not find the obvious. 
Disputed with EQUIFAX who confirmed XXXX 's obviously incorrect result.
Product: Credit reporting

The company will be called XXXX XXXX in the morning. Report to XXXX XXXX XXXX 2015, for an account opened by the store that was not supposed to have been created. Have been on the phones with XXXX for three months about this account. Have received final response that account will not be closed. Account was opened for a second extended warranty on a dryer. The dryer was functional and needed no repair at the time of service for washer unit. Employees dropped dryer. This is in XXXX records. Store required a new warranty to be purchased. Two months later, an agent from XXXX advised I should not have been made to pay an additional warranty ( original was approximately {$400.00}, unit on sale at time of exchange reduced second account to approximately {$250.00} ) and created a service ticket. XXXX records show collection efforts were to halt until a decision was made. XXXX was advised in the event they can prove the contract I signed requires I be held liable for the employee negligence, I would simply close out warranty account ; this way no money is to be collected and there would be no debt. Issue not resolved as of XXXX XXXX, 2015. XXXX reported delinquent account despite open ticket on XXXX XXXX.
Product: Debt collection

A {$4200.00} debt XXXX XXXX showed up on my credit report. I investigated and had no success. It eventually went to collections ( Radius Global Solutions LLC. I filed 2 disputes over time. I then contacted Radius Global Solutions LLC and explained to them that the debt didnt belong to me and the attached the info to theyre system as a fraud situation and sent me info on how to file the complaint.
Product: Credit reporting or other personal consumer reports

I have disputed the reporting of bankruptcy on my credit report, which I believe has been submitted without my consent. I request the immediate investigation and removal of this entry, as it is inaccurate and potentially damaging to my credit profile.

According to the FCRA 15 USC 1681 I am entitled to dispute any information that I believe is incorrect or incomplete. Specifically, 1681 ( i ) mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a notice of dispute.

The bankruptcy claim in question is listed as follows : Bankruptcy :
US BKPT CT XXXX XXXX Ref # XXXX Date Filed : XX/XX/year> I did not authorize this bankruptcy filing, nor am I aware of any legitimate basis for its inclusion in my credit report. As such, this information is only inaccurate but also a violation of my rights under the FCRA.
Product: Debt or credit management

I was working with credit settlement law firm. They are called XXXXXXXX XXXX XXXX. For the past 3 and a half years {$720.00} was removed out of my regular banking account every month and sent to a saving account with XXXX XXXX. XXXX XXXX XXXX would then withdraw the money and pay my creditors. They did settle a few of my credit card debts but there were others that they didn't. My contract ended after 4 years, so I was almost done. Two weeks ago I received a letter from XXXX XXXX XXXX informing me that they were being sued in New York ( apparently they are/were a shell company for an organization called Strategic Financial Solutions [ StratFS ] ) and had been given a restraining order from a judge stating that they could not represent clients anymore. 

This made me start looking harder into the amount of money I had given them in the last three and a half years to settle my debts and how much they had used. In the end, there is around {$11000.00} unaccounted for. 


These numbers are all estimates : **How much I have given them : {$31000.00} **How much they used to settle debts : {$12000.00} **How much I still have in the XXXX XXXX XXXX account XXXX {$7300.00} **How much is missing : {$11000.00} I understand that a company must charge fees if they offer this service but that's an excessive amount of fees. And from what I've read that is exactly why ( you guys ) the CFPB in New York is suing them. So, I was wondering, do I have any recourse here in Georgia?
Product: Debt collection

Ascension Point keeps calling our # repeatedly, sometimes more than 10 times each day. This outfit is trying to contact us about my deceased mothers credit cards. We have done the research on this company, and they try to collect debt from families of the deceased. We have NEVER been a signer/co-signer of any type with her. My wife and I both work XXXX, so this is BEYOND annoying. This has been going on for better than 60 days now. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported :XX/XX/2020 {$980.00} Needs Attention No contracts exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and realized two accounts from Barclays Bank of Delaware are on my credit file. The accounts are as follows : 1. Barclays Bank of Delaware ... account number : XXXX ... balance : {$12000.00} date opened : XX/XX/XXXX ... 2. Barclays Bank of Delaware ... account number : XXXX ... balance : {$11000.00} ... date opened : XX/XX/XXXX. I have disputed these accounts with the company, but they refuse to remove the accounts from my credit files. I want them removed. These accounts are not mine, I have never applied for these cards, I do not want these cards, they are fraud and the company is committing a fraud by not removing them from my credit file. I have attached the police report and copies of my credit files so you can see that they are still on my credit files. Barclays Bank of Delaware please remove the offending accounts from my XXXX XXXX XXXX XXXX   credit files asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, an installment loan was taken out fraudulently with a company called XXXX, which I had never heard of. I noticed this issue a few months later and began disputing it with the credit bureaus. I was eventually able to get it removed from XXXX, but it is still showing up on my XXXX and TransUnion credit reports. I have disputed it with each bureau multiple times over the last few years, and have even filed a police report about it. I have tried to contact the company to inform them that this account is not mine, but they won't even let me go far enough with their phone system because I don't know the phone number associated with my account. Despite numerous attempts to explain the situation and the dispute, XXXX and TransUnion have not removed it from my credit report, and now it is seriously causing harm in my life because it is holding up my attempt to buy my first house. This account was opened fraudulently, and I need it removed from my credit report on XXXX and TransUnion.
Product: Credit reporting

XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX WELLS FARGO BANK XXXX WF CRD SVC XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : Chapter 7 Bankruptcy Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. 

I filed the dispute with XXXX. I did not get anything in the mail from XXXX  yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. 

I disagree with XXXX  position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX  should have reversed the charge
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, more specifically in light of the recent CFPB lawsuit which highlighted significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my bank and Zelle have failed to investigate my claims adequately. They have claimed that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding show that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving us the users vulnerable to scams. The lack of accountability and transparency is very unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I filed a dispute about a fradulent XXXX transaction. Chase denied it claiming the money was sent from my usual device even though I specifically mentioned that many people use my phone.
Product: Debt collection

I got a call from Transworld systems inc saying I owe XXXX when I have been getting 2 separate bills they advised they would fix it but they never did yesterday I got a bill with another bill 2 separate bills I have 2 account numbers and they would never fix it I have never gotten any bill for {$360.00} which is the total they say I owe this total is the 2 accounts they created and have not fixed one for {$200.00} and the other for {$160.00} you can no double bill a customer and not fix it and expect a customer to pay for 2 accounts this is madness this company needs to send this account back to XXXX to fix so the consumer can pay what is owed cause 2 bills with 2 separate accounts is a no
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt is still reporting after I paid it. I paid this account to them even though I never received a 30 day right to dispute on this account which is a violation under the FCRA and the FDCPA. I however know that Outsource has the capability to remove any accounts since they are the furnisher and can report to the bureaus as they deem necessary. I ask that they remove this collection as it has been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with XXXX  that the Statue of Limitation has expired with Ally Financial. I received my results today XX/XX/XXXX that the account has been updated. Ally Financial had previous negative reporting on my credit report that is now in good standing as a closed account but has multiple errors. The status of limitation has expired for this account. The account was open on XX/XX/XXXX and reported closed on XX/XX/XXXX. However, the date of the first date of delinquency was in XXXX and it is a negative closed account. Most negative information can only stay on your credit report for a maximum of seven years. However, this is a negative and old closed account. The credit reporting limit for negative reporting is 7 years. If I dispute an account online I do not get information reported from the credit bureaus stating the reason the account has been updated or the reason for the disagreement. Because I can not come to a resolution, I submitted a complaint to fix the errors that has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. XXXX  and Transunion never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Product: Credit card or prepaid card

On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card. 

On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't. 

Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank. 

After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now. 

I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up. 

I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam. 

I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax disputes letters on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX disputing this bankruptcy and I get no responses or even an updated credit report.
Product: Credit card or prepaid card

I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.