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

I have a bankruptcy on my credit file since XX/XX/2013. I have been unable to verify this information with the courts and have repeatedly asked the credit bureaus for documentation supporting this bankruptcy. I am disputing the type of bankruptcy and the filing date. I have been denied credit, housing, employment because of this error.
Product: Mortgage

I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information. 15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent. 15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties. 15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years. 15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information. 12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time. Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX referencing discrepancy in CBNA and Sears reporting. In result XXXX 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 CBNA response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, XXXX, and CBNA.
Product: Debt collection

I don't recall having a contractual relationship with this CREDENCE RESOURCE MANAGEMENT Account Number : XXXX.
Product: Debt collection

I spoke to this collections agency today XX/XX/XXXX trying to settle the debt that was turned over by XXXX XXXX. This debt was started in XXXX. 

This company has outright violated the The Fair Debt Collection Practices Act. XXXX threatened to sue me, stated my property and all assets would be taken or obtained if I didn't pay it in full today, because the courts would rule in their favor. She then would put me on hold and say that she could accept a lower amount but I only had until XXXX TODAY to give my banking information. She further harassed me to provide credit card information or she would turn my account over to the attorney to sue me if I didn't give her the information by XXXX. This debt is almost 3 years old! Why not just accept the {$720.00} that I was willing to pay, when that is ALL I can pay??? Why in the world are you KNOWINLY violating my rights??? 

My husbands truck was broken into and we had to fix multiple issues due to the break in. Everyone is falling on hard times and I was trying to do the right thing by calling and setting up a plan with this company. We have absolutely no savings and this company is causing me and my family deep mental and emotional anguish! Furthermore, after my phone call with this company, I am now experiencing XXXX XXXX and demand that they remove this debt immediately. Failure to do, will result in my filing a suit for direct violation of the The Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a credit card was processed without my consent to CBNA. I reported this fraudulent activity to CBNA on XX/XX/XXXX. The credit card was frozen and the processing stopped. In XXXX XXXX  I reported to CBNA the hard inquiry was still showing on my credit report. I was informed from they had reported this to the credit bureaus. I was also told I should have received a letter from them regarding the fraudulent credit card processed without my consent. I never received any information regarding this situation. I also disputed to XXXX I was told I need to contact the company. The hard inquiry still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hard inquiries on my account from several companies that were supposed to pull my credit and they pulled multiple hard pulls very disappointing
Product: Debt collection

The reason that the lease with XXXX XXXX XXXX was due to health reasons. Living in those apartments caused severe XXXX   XXXX due to pets living in that apartment prior to us living there. I did ask the manager if any pets lived there and he ignored the question nor did he make the follow-up question- " are there any XXXX ''. It turned out that the prior tenants did have a pet and there was pet hair everywhere in the apartment. Second reason for leaving that place ASAP was due to the maintenance man coming into my apartment unannounced, and without me allowing him to come in. This became a safety concern. We brought this up to the management and they did bring it up to his attention that this was not allowed, but the maintenance man still did it again after. He came in my apartment without me giving him permission to come in. I did not know why he was coming in without my authorization, I had already told the management, and it kept happening. Not sure what management was expecting, the apartment caused me severe XXXX   XXXX, and it made me feel unsafe by the maintenance man coming in without my consent. As a consumer I believe that I have the right to choose where to live, if I do not feel comfortable living in a certain location, especially when the landlords are violating my right to privacy, safety and living health conditions.
Product: Checking or savings account

I received a very obscure email at XXXX XXXX  on XX/XX/XXXX from square letting me know that they deactivated my account and they're holding my funds for $ 180 days and the only thing that they will say is that they decided to deactivate my account and they hold it for 180 days in case of disputes or chargebacks it won't give me any other information they said that the linked bank account on the account will be where the money goes after 180 days except there was no linked bank account I tried explaining this they did not care about what I was saying so now I have to wait for up to 180 days because they are holding {$250.00} of my money. 


They have access to the transactions that were done on my account and none of them were of anything that somebody would have been able to do any kind of a chargeback on it was all fast food or money transfers for like instant stuff in a in a store so the fact that they're trying to say that they hold it for chargebacks isn't relevant in my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  XXXX PA 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to Equifax, XXXX and XXXX requesting they verify this validity of the account as well as informing them this was a XXXX violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. Equifax has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Product: Debt collection

Hello my name is XXXX XXXX, I have disputed a false collection account with all XXXX credit bureaus. XXXX still has n't removed it. the account is from TRIDENT ASSET MANAGE .I am in the process of a home purchase and can not move a long in the process. I have attached a fraud affidavit i filled out. my phone number is XXXX. email address XXXXXXXXXXXX
Product: Debt collection

The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge of them, and the company did them without my consent.
Product: Debt collection

I am going to continue to fill compliants against North American Credit services. They are violating my rights as a consumer. I will not be contacting your office or pay a debt collector. I don't owe your company any money. I am going to continue to request for all collection attempts stops immediately. Cease and desist communication does not satisfy my request or go far enough.
Product: Mortgage

This is an addendum and not a new complaint ( XXXX and XXXX ). Why was the attached documents sent out, and why the Midland Mortgage Company wants more for approximately 4 years when only {$21000.00} owed. They asking for an extra approximately {$60000.00} : {$35000.00}, escrow, fees {$12000.00}, {$10000.00} and not sure if CFPB is allowing this Mortgage to do this. Which is causing the economy a hardship.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment.
Product: Vehicle loan or lease

I am filing a formal complaint against Truist Bank regarding excessive and unlawful late fees that have been repeatedly charged to my loan account. Despite Maryland state law capping late fees at XXXX XXXX of the overdue payment, Truist has consistently imposed a {$120.00} late fee an amount that significantly exceeds the legal limit. 

I have raised this issue with Truist and requested an explanation and correction, but they have failed to provide a satisfactory response or refund the improperly charged fees. This pattern of excessive fees has persisted throughout the life of my loan, and I believe it constitutes an unfair and deceptive practice. 



I am seeking CFPB assistance in investigating Truist fee structure and enforcing compliance with state law. Specifically, I request : XXXX. A full refund of all late fees that exceed Maryland legal limit. 

XXXX. A written explanation from Truist regarding their justification for these charges. 

XXXX. XXXX that Truist will cease imposing unlawful fees moving forward. 



I appreciate your attention to this matter and look forward to your response. Please let me know if you require any additional information.
Product: Debt collection

I received a Notice of Lawsuit letter threatening to sue me for a very old debt from XXXX XXXX XXXX in XXXX, OH. No prior communication stating the debt was due was received. The correspondence does not indicate when the debt occurred or how much was the original debt. It states the amount due but it does not state if that was the original debt amount. I am not familiar with this particular debt. I do not know when or where this debt originated. 

Furthermore, a copy of the correspondence was sent to the XXXX XXXX XXXX XXXX and to XXXX Credit Bureau. I would like to seek damages against this debt collector. 

A copy of the letter is attached. I can be contacted via email, XXXX or by phone, XXXX.
Product: Credit card or prepaid card

I purchased two XXXX XXXX  form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments  on the first XXXX XXXX  I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company :  Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX  which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved  the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I  have called XXXX XXXX  several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has  been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX  I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX  # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX  XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.
Product: Debt collection

XX/XX/XXXX - XXXX, called me at XXXX XXXX, STATING I OWED XXXX XXXX XXXX   MONEY STILL. GIRL WOULD NOT STATE HER NAME. I FILED BANKRUPTCY ON THIS LOAN AND THE DISCHARGE OF DEBTOR DATED XX/XX/XXXX. XXXX XXXX XXXX WAS INCLUDED ON THIS DISCHARGE DATE. LOAN # XXXX DATED XX/XX/XXXX AT THE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX - PHONE # : XXXX AMOUNT AFTER LAST PAYMENT MADE ON XX/XX/XXXX WAS {$450.00}. LOAN # AND THE XXXX STATED IN THE BANKRUPTCY PAPERS. THE LADY STATED THAT I TOOK ANOTHER LOAN OUT AFTER MY BANKRUPTCY WITH THEM. THIS IS NOT TRUE AND SHE OFFERED NO PROOF. XXXX XXXX XXXX WOULD NOT GIVE ME ANOTHER LOAN ANYWAY AFTER FILINING BANKRUPTCY ON THEM. I DO NOT NO WHAT KIND OF SCAM SHE IS TRYING TO PULL OFF - BANKRUPTCY CHAPTER XXXX CASE NO. XXXX. SHE IS IN VIOLATION OF THE BANKRUPTCY LAWS AND I DO NOT APPRECIATE THIS!!! PLEASE HANDLE THIS AND STOP THE HARRASMENT NOW. SHE THREATENED TO FILE A LAW SUITE .
Product: Mortgage

My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.
Product: Checking or savings account

I moved my banking from this institution to another institution in XXXX XXXX XXXX  Payments were authorized on the account dating back to XX/XX/XXXX and I was not notified that my account was overdrawn until OVER NINETEEN DAYS LATER. I asked why I was not notified that I was overdrawn and I was told that 3 letters were sent, none of which I have received. I have verified my address and while it is correct, I have not received the letters. I was also not sent push notifications through their mobile app ( Which I have set up ) nor was I sent any text or phone notifications about the account being overdrawn. To date, I have incurred over XXXX dollars in fees that I can not pay and should not have to pay. When I brought it to their attention they REFUSED to do anything about it because " I've had other fees reversed on my account ''. When I explained that those fees were due to fraud on my account that I did not authorize, they still refused to do anything about it. This is an Unfair and Abusive practice and I want it to be investigated and righted because this is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and notice some things are still incomplete and not accurate. Account are still not updated. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates 15USC 1681 ( a ) Accuracy and Fairness Of Credit Reporting.These Accounts XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 

Experian keeps ignoring my disputes saying the my dispute does not seem to be sent by me or authorized by me ( Please attachment XXXX below ) .Experian is committing multiple violations and being willful and noncompliant. 

All disputes are authorized by me and sent by mailing service that I use, it is not illegal to use a mailing service. Experian please investigate my specific dispute authorized by me attached below ( The last 2 documents is my dispute ). 


[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other Consumer reporting agencies XXXX and XXXX. This account is inaccurate and incomplete ( Please see attachment first dispute attachment labeled XXXX below. 

The XXXX XXXX XXXX XXXX is Incorrect. Please see the correct balance XXXX sent me. ( See attachment XXXX below ) [ XXXX ] Open date is not reporting incorrectly, Balance is not correct and inconsistent, Date last activity is not correct and inconsistent, date of last payment is not correct inconsistent. it is showing a balance which you can not show a balance for accounts that are charged off. 
For the correct balance that upstart sent me ( please see attachment document XXXX below ) Experian Credit Report is reporting that the XXXX XXXX XXXX Account was sold to XXXX XXXX which is incorrect. ( Please see attachment XXXX and XXXX below ). XXXX XXXX does not have the account. 

[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other consumer reporting agencies XXXX and XXXX. This account is inaccurate and incomplete ( Please see XXXX attachment labeled XXXX. 

XXXX XXXX XXXX account is reporting incorrect Date of last activity, Last payment is incorrect and inconsistent date reported is inconsistent. account is showing a balance. You can not report a balance on a charged off account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB and Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Bankruptcy XXXX XXXX