23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CitiMortgage somehow became the " mortgage '' holder on my VA loan, possibly/probably illegally, because of illegal title transfer activities. They ignored and violated the original Trustee Rights granted with my initial mortgage/purchase with the VA on  XX/XX/XXXX . In late  XXXX , early  XXXX , I had some financial strains and got behind on my VA loan b y 5  payments. In  XXXX   XXXX , I submitted a certified funds payment to CitiMortgage, which was promptly refused and returned to me. Concurrently with the payment, I made numerous attempts to work through their loss mitigation process.  ( See CFPB  XXXX CitiMortgage Consent Order fo r an example of their " practices '' ). I calle d CitiMortgage los s mitigation fo r 30 s traight days in a row, from  XXXX   XXXX  until  XXXX   XXXX ,  XXXX  and submitted hundreds of pages of " requested/required '' documents. The failed attempts to use their " process '', which was very unfair and deceptive, led to them ultimately foreclosing on my VA loan on  X/X/XXXX , which I feel was their plan all along. This action was illegal by its process and I immediately retained a lawyer and sued CitiMortgage. To date, I have spent over {$75000.00} on legal fees. CitiMortgage had no standing and as it turns out, may have acted on their own and without the consent of the VA. The VA actually and currently owns the home, as can be seen on the  XXXX   XXXX  and the transfer of title, where the VA paid {$10.00} in compensation to CitiMortgage for my home ( copies submitted with this complaint ). In an email ( included with this complaint ), a lawyer representing CitiMortgage offered to transfer the title to me for {$180000.00}. When I pointed out in a reply email, that this offer was illegal and violated numerous Tex as Real Estate laws and could be considered extortion, the offer was withdrawn. We still live in the home. CitiMortgage is now trying to evict u s for a 3rd time, again illegally, because of no standing. I am fighting this eviction and the initial foreclosure and the bullying tactics brought against me by CitiMortgage, but I am sure that I am not alone in this fight. Based on their action with me, I can only assume they have and are still, victimizing numerous other Veterans in the state of Texas. I am working with the VA, the actual owner, to stop the eviction and revoke the foreclosure through the  XXXX   County Court s ystem and The Texas Attorney General 's office, complaint #  XXXX ,  XXXX  of  XXXX  current active complaints against CitiMortgage in Texas. The VA has been very helpful since the transgressions by CitiMortgage have been reported to them by me and I do believe the VA was unaware of the tactics and actions that CitiMortgage was using against me. The VA does not want to hurt Veterans.
Product: Debt collection

Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with XXXX, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX  Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX {$29000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$0.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Prepaid card

I loaded {$300.00} dollars to a Rushcard on XXXX XXXX. The funds have niot been added to my balance to allow me to get the money. I have been calling for almost three weeks to have it fixed and am constantly rerouted with no solution.
Product: Checking or savings account

I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. 
I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. 
Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. 
I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. 
They said they would mail it to me. 
Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. 

This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. 

I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged XXXX XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} -late/closed XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$XXXX} - Charge off XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.
Product: Vehicle loan or lease

I HAVE BEEN REQUESTING FOR OVER A YEAR VIA MAIL, PHONE, AND EMAIL FOR MY TITLE TO BE SENT TO XXXX  DMV SINCE WE NO LONGER LIVE IN XXXX XXXX WHERE OUR CAMPER WAS ORIGINALLY PURCHASED. THE ONLY THING THEY HAVE SENT TO THE DMV IS TITLE INFORMATION AND NOT THE TITLE SO WE HAVE BEEN UNABLE TO TRANSFER OUR TITLE TO THE STATE WE LIVE IN WHICH IS XXXX. THEY ARE SAYING THEY CAN'T SEND THE TITLE TO XXXX  DMV UNTIL IT IS PAID OFF WHICH MAKES ZERO SENSE. WE SHOULD NOT HAVE A XXXX XXXX TITLE IF WE NO LONGER LIVE THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern I have repeatedly told this company to stop contacting me stop calling me stop writing me letters because the debt that theyre trying to collect is incorrect I had health insurance which covered all health bills including ambulances theres no reason for them to keep trying to collect this money from me theres a bunch of charges that I dont even know where they even came from but theyre not mine And its affecting my credit score and it has been for years now
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report I noticed company 's reporting on my credit report. On XX/XX/year> I mailed letters to all three credit reporting agencies ( XXXX, XXXX, XXXX ) requesting Validation of several accounts. In response to one account in particular was CHIME-XXXX. They emailed me in response to my XXXX dispute on XX/XX/year>. In the email they have stated " We received the dispute of your XXXX monthly Credit Builder statement, and we'd like to share some information with you. 
The reported information was accurate as of the date it was reported, and we sent a response to the credit bureau ( s ) ''. This is a FAILURE to provide validation and is violation of the federal law that protects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
CAP XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) 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 has reasonable cause to believe that the information is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Debt collection

This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion the Financial Institution and the Auto Dealership that pulled my credit. I sent them letters from the dealership saying it was a mistake They said it was accurate and they wont remove the error. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX, I initiated an ACH transfer using Synchrony bank 's web site to move {$80000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX business savings account. 

On XX/XX/XXXX, Synchrony rejected the transfer. The email I received from Synchrony said to call XXXX XXXX XXXX to make sure I get my funds back. 

On XX/XX/XXXX, I called Synchrony to find out why it was rejected. I was told she could see the transfer had failed and that it was because my XXXX account is a business account. She said that the funds would be back in 3-5 days but I should to call XXXX to verify. 

On XX/XX/XXXX, I called XXXX  and was told she could also see the failed transfer status and the funds should be back in my account that day or the next day. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. I was told that even though the transfer was denied on XX/XX/XXXX, they didnt final fail it until XX/XX/XXXX. I was told to wait another 2-3 days for the funds to come back. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. They now claim they never took the funds and that they are still in the ACH. However, the funds were somehow held by them until the final fail on XX/XX/XXXX so XXXX insists that Synchrony must have taken possession of them at some point. They also informed me that ACH is not a holding account so my funds can not be sitting in the ACH as Synchrony states. Synchrony also claims that XXXX needs to " reclaim '' the funds from the ACH. XXXX says theres no way for them to do that. 

Since then, I have spent hours on the phone with both banks and hours in a XXXX branch office. XXXX continues to try to help us with this, but there's nothing they can really do. Meanwhile Synchrony denies any involvement and blames XXXX entirely, even though Synchrony initiated the transfer. At this point, no one can fix this and weve lost {$80000.00}.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX. XXXX, XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: 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 recent CFPB lawsuit findings highlighting significant issues with the platform. Disputes through Zelle have almost never been resolved even when I was not at fault. Zelle had failed to investigate my claims and they informed me that recovering my lost funds was unfeasible. I view this as neglect to keep consumers protected but also allowed repeat offenders to exploit the system and leave us users to the vulnerability to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about users safety using the platform.
Product: Money transfer, virtual currency, or money service

I have had an account with PayPal for years. They already have my SSN, address, phone number, credit card information. Now they have limited my account access and want a photo driver's license and a utility bill. This is too much. Then PayPal tells me I can't cancel my account! I found postings on the web from 2008 from customers PayPal attempted this with and it was thought to be a scam.  I have lived in the same house for the past 30 year, no problems with the PayPal account. I had to go into my PayPal account and change all the information I was allowed to change, then closed my account. Couldn't delete but did close it. No way am I giving them a copy of my enhanced driver's license or utility bill. Now I want to be sure they no longer have access to my SSN and other information. PayPal told me that the extra PERSONAL information was required by the government. What part of the government they couldn't tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.
Product: Credit reporting or other personal consumer reports

I believe that PayPal Credit XXXX Synchrony has intentionally misled me and engaged in securities fraud by falsely leading me to believe that I owe a debt that has already been settled. This suggests that PayPal Credit XXXX Synchrony has received payment for this debt multiple times since the account was opened. Under 18 USC 1961, I assert that PayPal Credit / XXXX  actions constitute " racketeering activity '' due to their ongoing attempts to collect money from me. Consequently, I am requesting the CUSIP number for the securitized application related to my account, in which I hold a security interest due to my signature ( whether digital or handwritten ).
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights.

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

Due to Covid circumstances I had late payments but did my best to pay on time. It was a rough patch in my life and I would like to restore my credit in good standing. I have made all my payments on time over the last 2+ years. I would kindly ask that my late payments from XXXX XXXX XXXX be removed do to Covid circumstances.
Product: Debt collection

I requested to have a verification of debt sent prior to a judgement being placed against me. However, the judgment was placed and I never received a verification of debt to prove I owe this debt.
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX