23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive.
Product: Credit reporting or other personal consumer reports

My address is wrong and I want only One address reporting on my report. I have sent this request in several times. Dear consumer department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of you legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security number on my credit report or sell any information containing my Social Security number to any company. Reporting my Social Security number on my record report arises a safety issue and opens me up to potential identity theft. Immediately delete any and all Social Security numbers that your company is reporting on my credit report. My date of birth is XX/XX/XXXXXXXX  I do NOT have any requisite OTHER dates of birth, and I do NOT desire any OTHER dates of birth to be retained or reported if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported. If ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that timeframe, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Transunion, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of mental anguish, Lost of opportunities, Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX XXXX  stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. Transunion XXXX and XXXX allowed XXXX XXXX  to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report
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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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

Despite two written requests, ( XXXX XXXX XXXX 2017 and XXXX XXXX 2017 ) the unverified item still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ORIGINAL creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with MY SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


As far as the amount of the debt, it is reporting two different amounts on the same account. {$520.00} and {$520.00}. Explain and DELETE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

they continue to verify accounts that have been removed from other CRAs and even have provided with the same information the other CRAs have been provided. Please see CFPB case number  XXXX  for reference of account that should be removed. Fair Collections and outsourcing is not verifying this information per them.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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 XXXXThese credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX XXXX put my XXXX XXXX  account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Debt collection

On XX/XX/2020 I contacted Security Credit Systems regarding a fraudulent account that was listed on my credit report. I was able to remove the account with the credit bureaus in the past. However Security Credit System reinserted it onto my credit report. I called Security Credit system & informed the representative that I was a victim of identity theft & that the account did not belong to me. The representative told me that he would call XXXX ( the original creditor ) to request documentation from them that had my signature on it to verify if the account belong to me. He also instructed me to email a copy of my police report. I emailed the police report on XX/XX/2020. I have yet to receive any documentation from the creditor showing why they are validating that the account belong to me. In addition to emailing the police report, I also sent mail physical copy along with my identity theft report filed with the FTC. I was able to print off a document prepared by the FTC requesting that they send me documentation showing me my signature on any form related to the account as well. The collection agency has failed to send me any documentation other than a bill related to the account. Yet I was informed by XXXX  on XX/XX/2020 that they verified my collection as accurate in my dispute on XX/XX/XXXX. HOW is it accurate? When I am clearly providing them with the documentation that I am a victim of identity theft. The account is a result of identity theft. I attempted to call Security Credit Systems on XX/XX/2020 to discuss the account but now I am being sent straight to voicemail.
Product: Credit card or prepaid card

on or about XX/XX/2021 i was given an adjustment of about XXXX by a supervisor in ohio ... named XXXX ... he said the adjustment would show in 2 business days ... after 2 days the adjustment, still was not on my account ... i called and another supervisor in arizona told me they would have to verify this by listening to the call.. they listened to the call and verified my balance was XXXX .... the supervisor than told me she refuses to honor this ... .so they think they can go back on there agreement .... even after verification ....
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. 
I have redacted personal information. 

This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. 

According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 

This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. 

I feel that I am upholding every part of the agreement, but they are not.
Product: Mortgage

Geneva Financial ( found on web when searching for the number in message ) is cold texting me to discuss my mortgage. I do not know this company and have never solicited this company or their associates, to the best of my knowledge. Im not sure if its a scam or ill conceived advertisement but the tone of text is vague and worrying. 

XXXX with XXXX XXXX  here. 

Prior to making your XXXX mortgage payment please give me a call at XXXX. 

Please have a mortgage statement handy when calling in. 

XXXX XXXX XXXX XXXX Received XXXX XXXX Please have a mortgage statement handy and give me a call priior to making your XXXX Mortgage payment at XXXX XXXX XXXXXXXX XXXX XXXX Received XXXX XXXX Both from ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}
Product: Payday loan, title loan, personal loan, or advance loan

I sent XXXX XXXX and XXXX a certified letter as well as an FTC letting them know they are reporting errors on my credit file. I have yet to receive a response. All bureaus are breaking the law by reporting erroneous information on my credit file. They are reporting an unknown name on my credit, as well as addresses. This is absolutely unacceptable ; my file has been merged with someone else 's.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFPBs 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 scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/year> my Wells Fargo account ended with positive balance of {$13.00} with 3 transactions posted in my account on XX/XX/year> I get charged overdraft fees ( 3 ) times for those transactions that was posted before, I contacted Wells Fargo customer service and they escalated the complaint to another department where they were rude, sarcastic and finally said the charges were correct and told me do wherever you want I decide to closed the account in that moment
Product: Money transfer, virtual currency, or money service

XXXX is unable to connect with Pnc
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Resolution and Compensation Regarding Improper Investigation of Consumer Complaints To Whom It May Concern : I am writing to express my frustration and disappointment with Equifaxs handling of the numerous complaints I have filed both through your internal complaint portal and via the Consumer Financial Protection Bureau ( CFPB ). These complaints have consistently been closed with the justification that the information in question was verified by Equifax. However, at no point has Equifax provided any reputable proof or evidence to substantiate how this information was verified or the source relied upon during such verifications. The recent lawsuit filed by the CFPB against Equifax for failing to properly investigate consumer complaints highlights systemic issues with your practices. Based on my experiences, it is evident that the improper and inadequate investigation procedures cited in the lawsuit are consistent with how my complaints have been handled. This includes : Repeated failures to provide credible documentation or verification of disputed information. Refusal to remove charged-off accounts and incomplete or inaccurate information, despite clear evidence demonstrating harm and injury to me. Disregard for the legal obligation to conduct thorough and fair investigations as required under the Fair Credit Reporting Act ( FCRA ). Additionally, Equifaxs actions constitute willful negligence in addressing my complaints. By failing to adhere to the required investigative standards and knowingly allowing incorrect or unverifiable information to remain on my credit report, Equifax has demonstrated a reckless disregard for its obligations and my rights as a consumer. Such conduct further exacerbates the harm caused to me and underscores the necessity of immediate corrective action. As such, I am demanding the immediate suppression and permanent deletion of any and all disputed accounts or information related to my complaints. Specifically, the failure to conduct proper investigations into these matters has caused substantial harm to my credit profile, resulting in financial and reputational injury, defaming my character. Furthermore, I demand compensation in the amount of {$10000.00} USD for the defamation and damages caused by Equifaxs negligence and willful non-compliance with its investigative obligations. This compensation is sought to address the tangible and intangible losses I have endured as a direct result of your actions. Please treat this complaint as formal notice of my demands. I expect a written response within 30 days of receipt of this correspondence detailing the steps Equifax will take to resolve this matter, including confirmation of the permanent removal of disputed accounts and the provision of the requested compensation. Failure to address these issues adequately will leave me no choice but to pursue further legal action to enforce my rights under the FCRA and other applicable laws.
Product: Money transfer, virtual currency, or money service

I needed to close my cash app account so i transferred the funds to my husband we got the email saying he had received the funds so i permanently closed the account. Shortly after that the payment to my husband failed and i cant login to the closed account. Where did my {$820.00} go?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove 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 by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible XXXX XXXX XXXX Balance {$11000.00} XXXX XX/XX/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

Suspected fraudulent entries have surfaced on my credit report ; request immediate removal.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY XXXX, XXXX XXXX AND EQUIFAX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.