23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information and refusing to remove this false information from my credit report.
Product: Mortgage

**Subject : ** Concerns Regarding Mortgage Transfer and Account Management Loan Number XXXX Dear Consumer Financial Protection Bureau XXXX RE : Loan Origination with XXXX XXXX XXXX XXXX  Transferred to XXXX XXXX and recently transferred to Shell Point Mortgage Servicing ( XXXX ) I am writing to express my concerns regarding transferring and managing my mortgage loan, XXXXXXXX XXXX number XXXX, which was recently transferred to Shell.

# # # Key Issues : 1. **Untimely Payment of Property Taxes** : For the last two years, property taxes associated with my mortgage were not paid on time, resulting in mispayment and threats of foreclosure. This mismanagement has caused significant stress and could have further complications with my property.

2. **Inadequate Customer Service** : Throughout my dealings with XXXX XXXX XXXX I experienced numerous issues with their customer service. There were not enough agents available to effectively resolve the problems I encountered, leading to delays and further complications. 

3. **Payment Reconciliation** : My mortgage payments for XXXX and XX/XX/year> were sent via XXXX  bill payment to XXXX XXXX and remain unaccounted for. However, there seems to be a lack of proper reconciliation of these payments after the transfer to XXXX. I am eager to resolve this matter and ensure that my mortgage is on track, but prior payments must be properly accounted for. 

I kindly request that the Consumer Financial Protection Bureau review this situation to ensure that my mortgage is handled correctly and that these issues are addressed promptly. 

Thank you for your attention to this matter. I look forward to your guidance and support in resolving these concerns. 

Sincerely, XXXX XXXX
Product: Debt collection

When I checked on XXXX I was advice account is placed on hold ... I requested someone to get what on-hold issues -- was told by XXXX XXXX it was cause letter of validation sent 06/11/24..informed XXXX XXXX no received.. XXXX advise he would assure it's get sent... 
Ask XXXX for payoff letter... .he stated he couldn't do that until validation was sent .... 
Have not received any further response from company. Trying to close home equity line of credit, this is only outstanding issues.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of disputes particularly in light of the recent cfpb lawsuit with the platformZelle failed to investigate my claims despite using Zelle numerous times and reporting discrepancies
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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, credit repair services, or other personal consumer reports

There is two accounts with First Progress that was pay to delete. However the creditor refuse to handle the account accordingly pushing me to the collections that collected the payment. XXXX XXXX advise to First Progress on 3 way that they aren't the Creditor who have a communication with the reporting agency, First progress is. Leaving me on the phone with First Progress I had to call several times where my last call the rep place me on hold and hung up after 8 min on hold. I've tried to get this resolved but they refuse to take charge as a Credit. This account has been verified fully, its closed and have been paid in full. One of the rep lied trying to say I owe over {$400.00} I told him he need to reevaluate my account because its paid in full and supposed to be removed. The XXXX report before she left told me he's giving you false information, you called two different time paying the balance in full XXXX and XXXX, but she don't have communication to the bureau to have it removed, First Progress does but refusing to help you. Not only will they do their end they trying to collect more money from me that I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX  and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my personal information was exposed in a XXXX XXXX an as a result their are several accounts in my credit reports that I do not recognize and do not belong to me! Please help me to get these accounts removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized ( authorization ) viewing of credit ( inquries ) also No inquries are associated with an open account I authorized ; ( Identity Theft Victim / Equifax Data Breach ) ... 

Inquiry details : XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX, XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX-XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions
Product: Debt collection

In XX/XX/2022, I noticed a loan from Upstart was showing on all XXXX credit reports. I instantly reached out to Upstart explaining that I never took out a loan and that it is a result of identity theft. They told me that I would need to submit a report with Identity Theft and a police report which I supplied them with both. After I submitted both the Identity Theft report and Police report they told me that it wasn't enough to close the account and told me that this was my debt and that it would be sent to a collection agency. The fact that they did not accept either reports that they told me I had to do is crazy. This loan was for {$15000.00} that isn't my debt and I did not iniate and is it greatly effecting my credit report. Awful investigating skills they have and awful company to deal with.
Product: Credit card or prepaid card

Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.
Product: Payday loan

Have several payday loans but am currently unable to pay them. I 'm working with a Payday Debt Solution group and am still getting calls threatening legal action. 

Got a call today from a XXXX XXXX at XXXX advising that legal action would be filed for misappropriation of funds unless I returned the call today. 

I returned the call and immediately XXXX began asking me questions to " verify '' that he was talking with me. I refused to give him any information and he indicates that a lawsuit will be filed. 

I checked the phone number he gave me XXXX and it 's registered to XXXX XXXX XXXX of XXXX, Texas. 

I believe this is a scam and this individual ( he did not give me the name of his company when he left a message -- only that it was the legal department ) .is a scam artist. 

I hung up on him.
Product: Checking or savings account

I opened my online checking account with US bank on XX/XX/XXXX. My partner ( XXXX XXXX ) performed an external transfer of {$3000.00} from her XXXX account to my US bank account on XX/XX/XXXX. On XX/XX/XXXX, US bank closed my account citing potential fraud as the concern. US bank has not returned any of my money and has not provided any instructions on steps I can take to get my money back. They are holding my money and I am getting afraid they are performing fraud and stealing customer 's money. 

Since XX/XX/XXXX, I have contacted both the remote call center support staff over 10 times. Each time I call, the call center staff say I need to go in person to talk to the branch manager. 

As a result, I have also gone in person to the XXXX XXXX branch and spoke to the branch manager ( XXXX XXXX ) over 10 times. The branch manager has said that they need to follow a " process '' to get my money back. When I ask her to expand on the process, she says that US bank 's risk team needs to wire the money back to my partner 's XXXX account. This is great, but it has been FOUR months since US bank has taken my money and they have not contacted my partner or I once. My partner has NOT received any reimbursement of the {$3000.00}. 

I have been calling the US bank manager continuously to see if there is any new updates. Every time I call and ask her questions, she tells me to " wait for US bank to follow their process ''. She is incredibly vague and unhelpful. It has been over FOUR months since US bank has taken my money and I have not heard a single update from the company. 

Please help me investigate this and get my money back. This is not okay. I need the money to be able to afford my mortgage and other expenses. US bank should not be allowed to steal their customers money. Thank you. 

Below I have attached my partner 's claim to XXXX asking if US bank has initiated any transfers back to her. In her claim it also shows the original {$3000.00} she sent to my US bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report Im discovered an alarming amount of unknown inquirers. I have no knowledge of this inquiry and pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I demand that I receive {$1000.00} for this blatant violation.
Product: Debt collection

They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and SSID which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with XXXX and XXXXXXXX XXXX. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. XXXX refused to speak with my along with XXXX who referred me back to XXXX. 

I am being scammed by these two companies.

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Product: Checking or savings account

My account was defrauded by someone unknown funds taken without my knowledge. Now my SSI has been hijacked by Wells Fargo even after I notified them of the fraud. I have been told they refuse to do anything to help me and in the meantime I have XXXX and am XXXX can not eat or pay bills. I am about to be evicted. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to XXXX, transunion and XXXX to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Mortgage

See attached court filings to be heard in XXXX XXXX. Nationstar refuses to remove unearned never performed service and unnoticed force placed insurance premiums from my loan 's payment history, and Nationstar is obstructing material evidence for a Court hearing XX/XX/2023 without justification except for the payment history is inaccurate currently and doesn't fit the counsel for Nationstar 's false narrative.
Product: Debt collection

This company states that they are arbitrator of Cash Central. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking me.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681n Dear EQUIFAX, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681n. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report. 

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent.

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report.

4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report.

Under 15 U.S.C. 1681n, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees. 

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences. 

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent.

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report
Product: Money transfer, virtual currency, or money service

Company closed account after personal information was sold to telemarketers and debt collectors without authorized permission
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX Citibank CBNA incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Re : To correct/update my personal information To whom it may concern, Please see the attached My only legal name is XXXX XXXX XXXX XXXX. 
My only mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My only social security number is XXXX My only phone number is XXXX Please remove and correct all other variations of the above information XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that you have on my file for me at your agency because if not I may be Regards, XXXX XXXX XXXX XXXX
Product: Mortgage

THEY ARE ATTEMPTING TO FORECLOSE ON MY HOME WITH FRAUDULENT ASSIGNMENTS. THE ASSIGNMENTS WERE CREATED AFTER THE CUTOFF DATE OF THE POOLING AND SERVICE AGREEMENT FILED WITH UNITED STATES SECURITIES EXCHANGE., THE ASSIGNMENTS ARE ROBO STAMPED AND THE NOTARY AND WITNESSES ARE WELL KNOW ROBO SIGNER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 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 2006 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX THESE TRUST HAVE BEEN SUED ALLOVER THE UNITED STATES FOR FORECLOSURE FRAUD. THIS TRUST WAS ALSO APART OF THE GLOBAL WIDE SETTLEMENT WITH THE UNTIED STATES DEPARTMENT OF JUSTICES & THE AGS. THE ARE ALSO GUILTY OF DUAL TRACKING. THE MORTGAGE COMPANY WAS COLLECTING DOCUMENTS FOR A LOAN MODIFICATION AND WHILE COLLECTING MY HOME WAS SENT TO THEIR LAWYER FOR FORECLOSURE, I HAVE SENT 2 QWRS AND NEITHER HAS BEEN RESPONDED TO, I ALSO SENT A NOTICE OF DEFAULT AND A NOTICE OR ERROR, NEITHER HAS BEEN ADDRESSED.
Product: Debt collection

I have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.