23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Gentlemen, Wells Fargo has been pursuing a Wrongful foreclosure action against me since XX/XX/XXXX. Wells Fargo continues to refuse to respond to my complaint. On two occasions Wells Fargo denied it was the appropriate company to this complaint. After providing corroboration documents of the truth of the matters asserted, Wells Fargo finally admitted the case was in litigation and it could not respond to me directly because of this. Litigation has nothing to do with Wells Fargo 's failure to respond to this complaint. Wells Fargo will not respond because it knows that it has Wrongfully filed a Foreclosure proceeding against me back on XX/XX/XXXX, and continues to do so. I am asking the CFPB request Wells Fargo answer my complaint accordingly. I am attaching the 5th Circuit Court of Appeals ruling Dated XX/XX/XXXX which found that Wells Fargo FAILED to provide evidence that it is a party to enforce the Note and Mortgage at issue. I am attaching the Pooling and Servicing Agreement where it clearly states on page 33 of the Prospectus that the Trustee ( WELLS FARGO ) " MAY NOT '' BE ABLE TO ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER. Wells Fargo has failed to comply with the pooling and servicing agreement in which it must adhere to.
Product: Mortgage

On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from XXXX XXXX XXXX. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to XXXX. I called XXXX they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from Shell point. I received a Notice of default dated XXXX XXXX and no modification. I called XXXX and the said everything was sent to Shell point and they would honor the modification. I contacted Shell Point on 6 different occasions and they claim they have more knowledge of me being in a workout or trail modification. I informed them that I completed the trail days before they acquired the rights to service the loan. I left many messages and sent 2 letter. The only Ive received is a notice of default and I was told that have I made the 3 payment I would no longer be In default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXXP XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I may have been a victim to the Equifax attack.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX  I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$690.00} and {$530.00} also {$520.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED
Product: Credit reporting or other personal consumer reports

This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company TRANSWORLD system. Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute delinquent payment statuses on two XXXX XXXX credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the XXXX XXXX cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.
Product: Debt collection

TSI COMPANY WILL NOT STOP CONTACTING ME OVER MY EX BOYFRIENDS ACCOUNT. THEY CALL, EMAIL, TEXT AND SEND LETTERS CONSTANTLY THOUGH I HAVE RESPONDED IT IS NOT MY DEBT TO THEM DIRECTLY AND BY DUSPUTING IT WITH CREDIT BUREAUS TO NO AVAIL. 
EXAMPLE EMAIL ( AND i ALREADY CLICKED THE OPT OUT LINK ) : XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX ( 13 hours ago ) to me Why is this message in spam? It is similar to messages that were identified as spam in the past. 
Report not spam TSI Continue scrolling to see important information concerning your rights. Please do not reply to this email as this email address is not monitored. Options for contacting us are provided below. 
We accept opt-out requests here To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Office Hours : Monday through Wednesday XXXX to XXXX XXXX, Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX XXXX, Saturday XXXX to XXXX XXXX Our Account # : XXXX Creditor : XXXX Creditor 's Account # : XXXX Balance Due : {$350.00} Calls to and from this company are recorded and may be monitored. 


Dear XXXX XXXX, We also sent you a welcome email. Did you receive it? We want to make sure that you know were here to help you resolve your account. Please give us an opportunity to help you resolve this account. 

Options for your convenience XXXX XXXX XXXX Visit Us Online XXXX XXXX XXXX Your registration code is XXXX You can also mail your payment to Transworld Systems Inc. XXXX XXXX XXXX XXXX, DE XXXX or you can contact one of our representatives at XXXX. 

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

Very truly yours, Transworld Systems Inc. 

Please be advised that if you provide access to your email account to any other persons, such persons may be able to read the emails that we send to you. We do not send emails to known workplace email addresses, even with your permission, because they are subject to your employers email monitoring policies and may be read by your employer. Some written communications may be sent via US Postal Service. 

We accept opt-out requests here
Product: Checking or savings account

I was in XXXX XXXX  in XX/XX/XXXX for a trip. During this time I lost my Cellphone in a XXXX. 

I had 4 fraud charges on my bank account that I did not recognize. These were XXXX XXXX payments that I did not authorize. They were also sent to two random numbers that I have no association with. 

I filed a claim on XX/XX/XXXX with capital one with the total amount of {$1000.00}. I was told they would get back to me asap. 45 days later with no response from text, email, or mail. 

I called back in today XX/XX/XXXX. They told me the fraud charges were denied and that theres nothing they could do. 

I have a been a capital one banking customer for over 10 years and I was never notified about my claim being denied. 

I lost my phone and I did not authorize any of these transactions! This is truly ridiculous and I need help to get my Money back. 

Please help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate 1. XXXX XXXX XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX 4.XX/XX/XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XXXX XXXX XXXX 11. XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX.l never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX
Product: Debt collection

I am making this complaint on be half of my self an no other. I sent Diversified Adjustment a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. Diversified Adjustment is ruining my reputation and damaging my character.Diversified Adjustment shared this alleged obligation with the consumer reporting agencies. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and Diversified Adjustment stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.Diversified Adjustment stole my identity and shared my private information with these CRA 's.
Product: Credit card

Using the PNC XXXX XXXX XXXX XXXX, I used my credit card to make a {$50.00} transaction at a merchant called XXXX  on XX/XX/XXXX. I followed all of the specifications of the offer and it clearly states that the offer expires on XX/XX/XXXX ( please see in screenshot ). I waited for the mandatory 90 day period to pass, called a representative and they said to wait a little longer. I then called on XX/XX/XXXX, and was informed that a rep had made a case for me. She confirmed that she saw the XX/XX/XXXX date and would open a ticket that would be resolved within 20 business days ( and I would be contacted regardless of the outcome ). 

After the time period had passed without resolution and without PNC attempting to contact me, I called back to inquire about the credit on XXXX. I received word from XXXX that a {$25.00} credit would land in my account within 7 business days. It is now XX/XX/XXXX, and there has been no credit. 

I feel that I have been misled several times from PNC, and would like to finally be issued this {$25.00} credit. All correspondence occurred over phone.
Product: Debt collection

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Spring Oaks Capital , LLC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. You have failed to provide me with validation of this account with the following information : ( 1 ). Full accounting for this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have failed to provide me with sufficient proof as listed above, so you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove an account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX  XXXX .... Balance : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
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 the 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. They informed me that recovering lost funds was impossible and that tracking theses transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams, this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

my son had his direct deposit sent to my account after an agent gave the ok and days later the account was locked and permanently suspended, and the funds are being held. My son is a 100 % permanent and totally XXXX combat veteran who counts on the money for the livelihood of his family. His second direct deposit coming to the account was returned the veterans affairs due to this and now his mortgage, child 's daycare and school tuition, and everyday expenses are being put on hold. This billion-dollar company is putting his family in jeopardy with no regard to his already challenging live due to the loss of the entire lower right leg. {$3400.00} is being held
Product: Checking or savings account

I have a Credit Karma savings account that is active. I received a direct deposit to it in the amount of {$1200.00} so when I try to link an external account, it just keeps giving me an error. Then I talk to them. They told me I was eligible for spending account because they closed mine for whatever reason every time I try to do that it says Im not eligible for it. I have continuously called and chatted with them and every time I chat with them they tell me they cant help me because I didnt give the correct information which was the correct information so as of now they have {$1200.00} of mine and wont give me any way to access it.