23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was purchased by Seterus some years back, while I was in the middle of a chapter XXXX bankruptcy. Seterus has repeatedly rejected all attempts on my part to communicate with them. They said that I needed my lawyer to send them a permission. I asked my lawyer at least XXXX times to send such a permission, and was informed each time that such a notice had been delivered. 
My chapter XXXX was discharged successfully in XXXX of this year. I am XXXX of the 35 % who are successful in this regard. I sent notice to Seterus, along with the discharge papers, via fax. I requested information on the status of my account ( Escrow, Suspense Account, and Payment Coupons ). I received no reply. I asked again via e-mail. Again, no reply. Then I checked my credit report and found that Seterus was listing me in their account statement as having declared bankruptcy in XXXX of 2015, rather than having been discharged. Bringing that to their attention resulted in nothing as well.
Product: Debt collection

I received an Experian negative collection from XXXX, XXXX and XXXX. The report number is XXXX. I requested they verify and provide me with medical information showing that this is my debt. They did not provide me with anything. I don't see how they could even verify anything with a third party considering they legally can not violate HIPPA. 

I am requesting this negative collection report be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Delinquency Reporting XXXX  To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 
Complaint Details : Creditor : Comenity Bank XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required.

I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation.

Requested Resolution : I request that Comenity Bank : 1. Conduct a full reinvestigation of my account status.

2. Provide documentation verifying the accuracy of the reported delinquency. 
XXXX. Remove or correct the delinquency if it can not be verified. 
XXXX. Update all three major credit bureaus with the correct information. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 
I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 
Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report back in XX/XX/XXXX, saw three LVNV Funding Debit Collection Company called them at ( XXXX ) XXXX, spoke XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX for account ending # XXXX, # XXXX and # XXXX, XXXX stated accounts were being scrub for legal action against me and that I could loose everything ( threat ) I ask for validation he stated we will take everything.. When speaking with XXXX he said they had XXXX accounts and the third one was already sent to a attorney XXXX XXXX and provided their contact information. On several verbal occasion I have ask for validation f the debit and to be provided amounts owed. I did not ask for rudeness and threats. I contact the assigned attorney and scheduled {$100.00} payments in fear of being garnished or everything taken away from me. This is unacceptable collection of debt tactics. Trying to resolve has caused a serious amount of unwanted stress especially for someone who has serious medical condition. I am requesting to have these accounts removed from credit reports in accordance with FDCPA 15 USC 1692. Under FCRA section 609 all consumer information has to be reported accurately and it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXXXX/XX/XXXX
Product: Debt collection

On or about XX/XX/2018, I contacted Hunt & Henriques regarding a summons that was served at my residence while I was out of state. I spoke to XXXX XXXX who said he was the attorney handling the case. I explained that I was out of state and was not aware of the summons and that the 30 days to respond had passed. XXXX XXXX lead me to believe that he was already in possession of a default judgment but was will to a settlement agreement. Since I am unfamiliar with the legal process I felt I had no choice but to agree. When I received the agreement on or about XX/XX/2018, the letter stated in part " We expect that judgment would be entered in our client 's favor. I called XXXX XXXX 's office to ask why he led me to believe that he already had a default judgment, I also had questions about items in the agreement that we never agreed on, XXXX XXXX has never returned my call, I contacted the court clerk and learned that XXXX XXXX has requested a default judgment, and I would need to speak with the firm requesting the judgment. On XX/XX/2018, a judgment was entered and a lien placed on our home. The law firm of Hunt & Henriques used deception to obtain a judgment against me and caused embarrassment on me and my family sending several letters with their law firm name in bold letters make it obvious that they were attempting to collect a debt
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also 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 consumer safety. 
I want the CFPB
Product: Debt collection

Threatened with lawyers, screamed at, repeated calls as late XXXX est. yelling and singing loudly in my ear by rep XXXX. Told I dont want to pay my bill. Hung up on when trying to discuss debt. Refusing supervisor or manager. Calls as much as sixteen times a day. Company is XXXX XXXX Illinois and XXXX XXXX. Calls from multiple Tennessee numbers, I have a Tennessee cell phone number. I have told multiple reps to only contact me via US mail only to be told that under my contract with the original lender, XXXX XXXX XXXX XXXX Illinois that US mail isnt an option. Please help me stop these people, they are making my life XXXX.
Product: Checking or savings account

Opened a Wells Fargo account to electronically transfer funds to daughters Wells Fargo account while she was in college in XXXX. Closed in XXXX. Only used account for this purpose. 
XXXX for the bank claim it was XXXX account & {$1400.00} overdrawn. XXXX XXXX is @ XXXX. Nothing comes up online for this #. He says Wells Fargo has been trying to recover the money since XXXX. I am online & not hiding, have never received anything from Wells Fargo until my daughter & brother-in-law both got audio texts from XXXX about this with XXXX phone #. The lawyers threaten to garnish my XXXX payments. They say there is a case in XXXX XXXX court. Given the scare tactics, Wells Fargos history, & the way I used the account, I believe a fraud is being perpetrated against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX reporting on XXXX and Transunion. 

Four different address on my credit file. 

Covi forbearance
Product: Checking or savings account

My deposit was XXXX i got XXXX back. my name is spelled different on ssa card. im a victim of elder abuse XX/XX/11 credit breach ssa fraud all claims on file.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/2020. I made an international {$14000.00} wire transfer from JPMorgan Chase. XXXX XXXX XXXX XXXX. XXXX NY XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX, Off XXXX XXXX, XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX, I was called to come and furnish the bank with more information about my transaction which I did and the transaction went through. 
My payee in XXXX called to acknowledge the receipt of the money. 
Monday, XX/XX/XXXX, my payee in XXXX called that the transaction has been reversed. Chase bank reversed the wire transfer. I immediately called chase bank, spoke to a customer service representative, to ask why the transaction was reversed. He told me that it was a part of a security investigation. My {$50.00} transfer fee was returned to my account, with an assurance that the bank will return the {$14000.00} back to my account in 5 business days, and to date, nothing has been heard from the bank All efforts to contact chase bank in person, phone calls, and emails were  futile.
Product: Credit reporting or other personal consumer reports

As a result of ID theft/data breaches in recent years, I have the following inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, that need to be removed from all three CRA 's. I have tried to dispute this date directly with the creditor and got no response after 90 days. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries listed below Account name : XXXX XXXX XXXX Account Number : XXXXXXXXX**** Balance : {$0.00} Date Opened : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Consumer Loan

I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded additional documents for accounts to be removed
Product: Checking or savings account

XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reported that I did not authorize any of the inquiries that are reporting to equafax and they are fraudulent I have zero inquiry on XXXX or XXXX and I have not authorized any place to check my credit
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Nonrenewal lease notice sent by email XX/XX/XXXX. Acknowledged by then property XXXX XXXX XXXX. 
Dropped off unit keys on XX/XX/XXXX as agreed along with forwarding address and phone number. 
XX/XX/XXXX sent email to XXXX XXXX asking if I was getting any or all of security returned to me. Email unacknowledged. 
XX/XX/XXXX sent email to XXXX XXXX asking how alleged amount was sold to collections when I never received a printed or emailed itemized bill. Email unacknowledged. 
XXXX XXXX emailed XXXX XXXX, assistant property XXXX. XXXX stated I had to speak with XXXX XXXX agency since alleged bill was over a year old. 
XX/XX/XXXX, I called XXXX and they had no record of my account. 
I received no itemized printed debt validation notice by email or XXXX from XXXX XXXX, XXXX XXXX, or ProCollect.