23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX al illegally twice, not by XXXX  and not by notifying XXXX XXXX. The current servicer is Selene and XXXX. I canceled the Mortgage Loan with XXXX XXXX  in XXXX and XXXX, with a 1099 C and a 1099 A, the IRS has accepted both of these documents, and Selene is aware of it. a UCC 1, a UCC 3 a UCC Financing were also filed and Selene is aware of these documents. Selene has started the foreclosure and has ignored the fact that they do not have a Mortgage note on the property They have an Unsecured note, much like a credit card debt. I have a XXXX XXXX XXXX  in my XXXX for the property. My Mom died in XXXX, I have given Selene, a copy of her death Certificate. I have been on title of this property since XXXX when Mom and I bought this home together as XXXX. Under GA law, Selene can not foreclose, without both the Mortgage and the Security Deed. I revoked in XXXX Selene 's Power to Foreclose, as well. All these documents were filed with the Clerk of the XXXX XXXX. Selene sent a letter dated XX/XX/XXXX saying they are reviewing the documents but they pull this stunt all the time, and then Selene rejects the documents forcing you to either file a XXXX or try to get stop the foreclosure. Selene and XXXX do not have any right to foreclose on my home.
Product: Debt collection

I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Balance : {$950.00}
Product: Checking or savings account

I received an unsolicited offer ( attached ) on the internet to open a checking account with the perk that if I had direct deposits from my employer of {$4000.00} or more, I would receive a {$300.00} bonus to be paid within 100 days of opening the account. 

I arranged for my employer to send payments owed to me ( I am a litigator as well as a publisher ) to this new account in the sum of over {$4000.00}. 

BMO refused to pay the bonus, saying these were person to person payments. In response, I sent documentation provided by my employer which confirmed that his account at XXXX XXXX was a business account in good standing with XXXX XXXX and these payments were made to me as an employee from this business account. 

BMO still refused to credit me the {$300.00} as promised.
Product: Checking or savings account

I would have enough money in my account and was charged fees and it would put me negative almost every time I used my cards.
Product: Debt collection

On XX/XX/2019 I had the unlucky encounter with a collection specialist who seemed to have a one track mind when it came to answering questions regarding 2 debts of my husbands. One in the amount of {$560.00} for XXXX XXXX XXXX and another for XXXX a XXXX account, they were sending to the Credit reporting agencies. I asked " how do you validate/verify your debt your collecting on? '' " Do you have documentation such as billing statements, agreements or a signature of some sort you can provide me about the collection accounts your reporting? '' XXXX XXXX of MIDWEST RECOVERY SYSTEMS had a nasty attitude right out the gate. Her response was limited to, " no I can't do that '' several times, then provided me with the information " we don't have verification on debts. '' I responded " how are you collecting on an account you can't verify? '' Isn't this why there's a document called a " Verification Letter '' clients request? Who pays a debt that doesn't belong to them or  they're not responsible for? XXXX XXXX then proceeded to tell me " I had been talking for 14 minutes. '' She then kept talking over me trying to get me to say the debt I was disputing was valid. I responded how I had came to her with respect and not an attitude and how she had one before the conversation could start. Then after asking NUMEROUS times asking how do you validate your information, she THEN decide to tell me they'll reach out to the original company to ask for the documents. Why she couldn't of told me this in the beginning, she never answered my question on how they verify their debt. On XX/XX/2019 their business accreditation in the XXXX was revoked by the XXXX XXXX Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet. They have a pattern of complaints against them. Their communication skills are horrendous and they won't give me information that I have the right to via the FCRA.
Product: Debt collection

There was a pass due XXXX cable bill from XXXX. It paid was XX/XX/XXXX to the debt collection agency XXXX XXXX for the settlement amount of {$1100.00}. As I am trying to move into an apartment this week the debt appeared again now from a collection agency EOS-USA. I have contacted XXXX about this matter and they sent me a letter stating that theyll contact all major credit reporting agencies for deletion and that I must contact EOS-USA myself. When I contact EOS-USA they can not find my account and they are rude and dismissive. I have the letter from both XXXX and my paid receipt from XXXX XXXX. I am trying to resolve this issue but XXXX wont speak to EOS-USA in order to settle this matter. To make matters worse I tried to contact XXXX XXXX and found that the company permanently closed in XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Wells Fargo Customer Service [ Insert Department or Contact Name if available ] Subject : Formal Complaint Regarding Unauthorized Account Closure and Request for Reinstatement and Compensation Dear Wells Fargo Representative, My name is XXXX XXXX, and I am writing to formally express my concern regarding the abrupt and unexplained closure of my Wells Fargo bank account. I recently received an email stating that my account had been closed without prior notice or any indication of a reason. I was not informed of any issues with my account, nor was I given the opportunity to remedy any alleged concerns. 

This closure has caused substantial hardship. I had already updated direct deposit information tied to this account, and as a result of the closure, I am now experiencing serious disruptions to my financial obligations. The lack of communication and transparency from your institution is unacceptable and warrants immediate attention.

Legal Basis The actions taken by your institution may violate several federal and state laws, including but not limited to : 12 CFR 1005 ( Regulation E ) : Requires financial institutions to provide timely notice when terminating or restricting access to a consumers account.

15 U.S. Code 45 ( FTC Act - UDAP ) : Prohibits unfair or deceptive acts or practices in commerce, including unexplained closures of essential consumer accounts.

12 U.S. Code 1831p-1 ( FDIA - Standards for Safety and Soundness ) : Mandates banks to operate under fair and transparent procedures, particularly in matters affecting account access.

Alabama Banking Code Title 5 : Ensures banking practices conducted in the state are carried out in good faith with proper notice to consumers, especially in actions that result in hardship.

My Requests I respectfully demand the following actions : 1. Immediate reinstatement of my Wells Fargo account or a clear, detailed explanation as to the cause for its closure.

2. Written documentation citing any specific Wells Fargo policy or legal basis used to justify this action.

3. Compensation for the inconvenience, lost wages, delays in deposits, and related damages caused by this abrupt disruption to my financial life.

For identity verification purposes, the last four digits of my Social Security number are XX/XX/XXXX If I do not receive a satisfactory response within 10 business days, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the Alabama State Banking Department.

This situation has impacted my livelihood, and I am prepared to take every legal step necessary to ensure that my rights as a consumer are protected and upheld. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

Last 3 years, overdraft fees of {$35.00} 3 times a day on the last day of the month for 36 months and that's {$3500.00} and would like that returned since wells fargo lost their lawsuit and was ordered to pay XXXX XXXX to rhe consumers...
Product: Credit reporting or other personal consumer reports

RE : XXXX, XXXX, EQUIFAX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages.

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.
Product: Debt collection

The debt is 8 years old. It was reported by collection agencies in the past and was paid in full 4 years ago. I contacted the compony to let them know this debt was paid and the person I talked to claimed he was not in charge. They out me on hold and directed me to voice mail to leave a massage. I did and left my contact information as well. Next day they reported my credit. They put a lot of emotional and financial distress on me, specifically on this virus outbreak, and social distancing time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXX.This account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by XXXX Credit Reporting service on XX/XX/XXXX XXXXof this 30-day delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX ) your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Product: Debt collection

Global payment check services. has added three charge off accts to.my credit reports.XXXX credit report # XXXX on XX/XX/XXXX I received my report. They first reported on XX/XX/XXXX I had no knowledge of any account with them or their clients. Date opened XXXX XXXXchargeoff date XX/XX/XXXX. For XXXX acct # XXXX I LOTTERY IS THE SUPPOSED CLIENTS. NEVER IN MY LIFE HAVE USED THAT SERVICE. TWO MORE CHARGE OFFS SAME CLIENT AS PA I.LOTTERY THE OTHER IS XXXX XXXX.i never used that service as well. This is all fake and definitely not mine all three. The company harasses me but Will not listen to me and my verification of false accusations they caused my credit score to.drop 165 points
Product: Credit reporting or other personal consumer reports

I requested proof of the notice 21 days before payment was due and what they sent was a letter that only verified the account. No proof was sent proving the 21 day notice.
Product: Debt collection

XXXX discovered a PayPal credit card had been opened using my maiden name ( which I have not used since XXXX ) and used an old address I haven't lived at for at least 20 years fraudulently. I immediately contacted PayPal and they sent me forms to complete. At that time they also updated the account to include my correct address and last name so they could get the forms to me. I returned the forms to them but continued to get collection calls. I called them again and they told me I had to file a police report and send them that info, which I did, several times. My numerous attempts to get this account off my credit reports all come back to them saying it's an accurate account. This is preventing me from getting a good rate on a mortgage. I've been working very hard to improve my credit for the past 7 years and would not have opened this account in the first place. It seems like whomever opened the account made payments on it at some point making it look like a legit account. PayPal /sync bank is unable to find any signed credit application from me further proving this was opened fraudulently! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints in regards to equifax credit reporting agency. Today upon checking my credit score on XXXX XXXX my score went down another 35 points. Equifax sent me a letter stating they do not work with the other credit reporting agency 's and basically my complaint and additional supporting information I uploaded to them does not matter. I have wrong information reporting on my equifax credit report. XXXX XXXX XXXX is one of them. This has been going on for over 6 months now. This account was deleted off my XXXX credit report so I uploaded the proof to show equifax that they company deleted it off my report and the investigation I put in again with equifax should have received the same response. Then I get this letter stating they do n't work with the other credit reporting agency 's?. I contacted XXXX XXXX XXXX again and was told the same thing. They will respond to delete off my report. I do n't appreciate having this account reporting on my equifax report as it is affecting my credit score and credit worthiness. Equifax is not working with me and I feel I am just being blown off at this point. This is my credit and I have full expectations for them to correct the situation. Again as I stated earlier I have been disputing and trying to correct this for over 6 months now. I 've uploaded substantial proof that the account to be removed and still it 's reporting as charged off to a bad debt. On top of this those charges were fraudulant charges made over a year ago.
Product: Credit reporting 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. 
XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a car from Santander consumer. 
The car was in a accident and the insurance company decision was that the car was a total lost. The insurance payed the car off however, on my credit report its reflecting late payments which never occurred. I am requesting this account be deleted from my report.
Product: Debt collection

in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a XXXX from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : XXXX XXXX XXXX : Responsibilities of XXXX of information to consumer reporting agencies XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting

I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX