23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

See complaint no. XXXX. Assuming that you intent to record the instrument, please know that you are barred from doing so. XXXX requires that all mortgages, deed or other be notarized. The original document must contain the original notarization. XXXX clerk are NOT allowed to accept any mortgage, deed, or other that does not meet this requirement. The loan modification reveals it was not notarized, nor it reflect the legal description of the property. The instrument will never have enforceability in the State of Florida until the intangible & stamps are paid on the loan increase which you failed to pay, see Florida XXXX XXXX XXXX XXXX .Because no one acknowledge the instrument signatures, you are barred from recoding it at the XXXX XXXX office XXXX To refresh your memory I have attached the XXXX requirement to record mortgage instruments, please provide a copy to all of your fraudulent attorneys. JP Morgan, you should know that if you pay anyone at the clerk office to record the instrument illegally just like someone did on your behalf on an unrelated case, there will be a warfare of legal action against you as we will bring the matter to the tax collector office, IRS, XXXX State Attorneys Office XXXX Governor XXXX XXXX XXXX Florida Attorney General.
Product: Mortgage

In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXI also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : # XXXX, has violated my rights.

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 or other personal consumer reports

In accordance with the Fair Credit reporting act the following creditors violated my rights under the 15 USC 1681 section 6 o 2 states " I have a right to privacy ( 15 USC 1681 section 604 states a consumer can not furnish an account without my written instructions under 15 USC 166b, my XXXX account, Bank of America, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from XXXX demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Please remove this charge off inquire off of my credit report. I did not authorize these creditors to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor of Capital One, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

ACCOUNTS : 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 or other personal consumer reports

This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Credit card or prepaid card

I have been trying to close my Macy 's online account as well as cancel the actual Macy's/American Express credit card for over three months. My desire to close this Platinum account started when my card was lost/stolen and I requested that Macy 's issue a new card. After over two months of contacting Customer Service and calling and writing numerous times, I have yet to receive a new card from Macy 's. However, Macy 's ( card issued by Department Stores National Bank ) took it upon themselves to put a new credit card account number on my online account without me ever receiving a replacement card or knowing the full account number, expiration date, or security code. It is like someone else has control of my identity. I have written Macy 's executive offices twice and received a letter back ( no return call or email ) for which they took no responsibility for my dilemma, dismissed my concerns, and again told me to contact Customer Service. They say in order for me to resolve anything, I must provide my full SSN on the telephone to one of their Customer Service staff, for whom I have no trust or confidence. 

I have been paying my 0 % interest balance via this new account and I am not sure if this is really legit either. I feel like I am caught between a rock and a hard place. 
I would immediately pay the balance if I can receive a FINAL bill and some type of confirmation of the full account details. FYI, I earned Platinum status using the initial credit card that was deemed lost or stolen. Macy 's has since changed that status to Bronze without any record or documentation. 

At this point, all I want is for Macy 's to send me a FINAL bill, close/shut down my online account completely ( there is no way for me to do this myself ), and show proof that the credit card established in my name is cancelled and no other card is created in my name. I want my personal information to be totally dissolved from Macy 's records as I have no confidence in doing business with them ever again. 

I must add that five or more years ago, I had a Platinum account with Macy 's and they changed my address without my knowledge. I vowed then that I would never establish a relationship with them again ; but went against my own conviction. This time, when this situation is adequately resolved. I will no longer do business with Macy 's. This has truly been a mental and financial ordeal. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

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.
Product: Credit card

My soon to be ex-wife took out several credit cards and loans out in my name and racked up around {$30000.00} worth of debt in my name. I currently have debt collectors trying to collect and my credit score is horrible.
Product: Debt collection

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency   may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 30 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX Experian, and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Product: Credit card

My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.
Product: Mortgage

XXXX XXXX Bank initially lost and never processed a completed loan modification of mine from XX/XX/XXXX and and incorrectly applied payments and escrow due to this major error. They never corrected and transferred the erroneous information to XXXX. I have filed complaints with XXXX and XXXX XXXX Bank and no actions have ever been taken to correct, so I am guessing my issues are not a priority for your office. Freedom Mortgage just took over my mortgage effective XX/XX/XXXX and they have advised I have a shortage of {$870.00} in my escrow. I submitted Notice Of Error that was received by Freedom Mortgage XX/XX/XXXX including copies of my bank statements confirming all my payments made back to last year. I have not missed a payment and the escrow analysis was incorrect. They just responded with a letter dated XX/XX/XXXX, advising I am in a shortage of {$870.00} and included XXXX pages of unintelligible payment postings from XXXX that do not make sense. It looks like XXXX raised my principal from around XXXX from the last year with XXXX XXXX XXXX to XXXX when they transferred to Freedom Mortgage XX/XX/XXXX. Please explain how this can happen when my bill is paid every month?. I am asking for help. Once again. My mortgage has not been correct for XXXX years and I have been begging your office for help.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax about my credit report being incorrect and unable to do proper disputes online the date on the report wasn't updated and I have called several times, and no one has done anything about. Several accounts have been file for dispute and removed off of my credit file without my permission. I've contacted Equifax many times about this situation, but they told me that there was nothing that they could do about removing of accounts that i never given permission to ever be disputed. They couldn't give me any explanation why they did this to me. Equifax has removed accounts off my credit report that are in good standing, and they refuse to do anything I have been ignored for several months I sent in many documents about the fraudulent things on report and has been disputed many times over and they were moved I'm in the middle of trying to buy house this has been a total nightmare the constant calling, send letter and disputes to get nowhere. I have to XXXX fraudulent accounts that are reporting on my Equifax that i sent several documents to prove the fraud, but no one removes those accounts but accounts that I never gave consent to be disputed were disputed and removed and Equifax does nothing. Equifax is not reporting my new tradelines that report to all the other credit agencies but no of them has reported to Equifax at all I called them ask no one can give me a reason why this is going on I talked to consumer affair and a lot of supervisor no RESOLUTION. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that One Mani Financial Union has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

On or about XXXX/XXXX/XXXX the XXXX store in XXXX NY sold me on the idea of changing my cell phone and associated service plan. The premise of the sales pitch was that a combination of promotion offers and discounts I could get a new and better phone fo the same monthly fee. I would have to give up my existing unlimited data plan in the process. I accepted this proposal. 

Fortuneately we wrote down line by line detail how the resulting bill would be structured. Over the first XXXX bills XXXX deconstructed the conditions of this deal. I have retained the originally structured promised billing and email with the XXXX store employees discussing the breach of the same promised billing. XXXX baited and then switched. 

By XXXX XXXX it was obvious XXXX would not honor our agreement. On or about XXXX/XXXX/XXXX I settled my service bill and paid the balance owed on my phone in cash at the same XXXX store. This phone was reactivated the same day across town with an honorable carrier. 

It was XXXX that breached the trust of our arrangement. I believe what they are seeking is a punitive charge for the argeement that they broke.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA.

As per the FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
Notifv the furnisher of the disputed. Experian Failed to removed items from my credit report after I kept reporting it they say its a valid debt which I keep indicating that its not and Im the owner of had any business with any of these companies. I want the following to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form.
Product: Credit reporting or other personal consumer reports

I have a yotta account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, XXXX and experiann to remove synapse info off of my reports
Product: Credit card

been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the card