23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Subject : Dispute of Credit Reporting Inaccuracy Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of my Best Buy/CBNA account, number XXXX, which is being inaccurately reported on my credit profile. This account was included in a XXXX  XXXX bankruptcy that was fully discharged on [ Date of Discharge ]. According to the legal discharge documentation, this account should be reported with a balance of {$0.00} and a status indicating " Discharged in Bankruptcy ''.

Current Details of the Disputed Account : Reported Information : No Data Required Correction : Status updated to " Discharged in Bankruptcy '' Under the Fair Credit Reporting Act ( FCRA ), I request that CBNA conduct a thorough review and correct the reporting of this account to accurately reflect its status as discharged in my bankruptcy. Attached are copies of the bankruptcy discharge papers and the court decree, which verify the discharge of this debt. 

Please update the status of this account in your records accordingly and inform all credit reporting agencies of this correction to ensure that my credit report is accurate and up-to-date. 

I would appreciate a written confirmation of this letter 's receipt and expect to be updated on the progress of your investigation. Additionally, I request an updated copy of my credit report upon the resolution of this dispute to verify the applied corrections. 

Thank you for your prompt attention to this matter. Please feel free to contact me at the provided contact details should you need any more information or further documentation. 

Sincerely,
Product: Vehicle loan or lease

This is not my loan. This is fraud. I contact the company tried to let them know that this was fraud and that my information was stolen at the time of this car being purchased. They still are trying to put This off on me they also put this on my credit as repossession when this is not my vehicle. I tried to explain this to them many many times then I listening and theyre still reporting this to my credit report..
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX Auto Finance, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office. 

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX, NC in XXXX at which time XXXX XXXX sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted XXXX XXXX Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from XXXX XXXX dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. XXXX XXXX claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from Midland Credit Management, Inc.Account # XXXX, requesting payment. I tried to call them several times to tell them about the XXXX XXXX letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with Midland? I would be happy to forward the letter from XXXX XXXX that clears this insanity.
Product: Student loan

It has been brought to my attention that there are multiple XXXX days late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Product: Credit reporting or other personal consumer reports

Experian has a credit lock program, but I cancelled the {$29.00} fee in XXXX. I didn't notice that Experian continued billing me through XXXX, which means I'm owed {$87.00}, but Experian wants to refund me only {$58.00}. 

Does Experian think I just GAVE them {$29.00}, because if that's what they think, they are sorely mistaken! 

I want my full refund!
Product: Credit reporting or other personal consumer reports

There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/2024 and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.
Product: Credit card or prepaid card

Good morning, This year has been a very rough year to say the least. My wife and I were considering a XXXX  but decided to XXXX XXXX XXXXXXXX  and save our family. Here is what happened : In XXXX, I prepaid a lawyer XXXX XXXX dollars to represent me in a case that never happened. I fired the attorney and requested a refund since our case was a wash and the law firm basically did no work for me whatsoever. 

The law firm refused to refund me, pointed out to me that they had ONLY used around XXXX or XXXX of my retainer, but instead of returning the unused amount to me in its entirety, they only wanted to give me half. 

I disputed the charge with my CC company, sent them ALL OF THE DETAILS from point A to point Z and they sided with the merchant. 

I will fight until I have no fight left to stand up for what is right, ethical and moral. This law firm and cc company ( citi ) are taking away my family 's XXXX by trying to rob me of XXXX XXXX dollars. I need help, please help me! 

I have all of the documentation necessary to prove that the law firm owes me at minimum {$1200.00} dollars, but they are only willing to give me half of that. Which is wrong, illegal, and inhumane.
Product: Mortgage

My rental home has been in a short sale for 7 months and the company that bought my loan out from XXXX is SPS portfolio managing. Both companies have made the processing time on the sale of this home unbearable. They have had several offerss and a XXXX where offers began and they have still found every reason to not allow this loan to close. They never give me nor the title company involved the same or correct information. I have emails strings that go on for months about contacting the company and what they say they need in order to close this loan, yet they have not be efficient or effective in communication with myself, and the closing company.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I would like to move forward with litigation against XXXX, XXXX XXXX TransUnion. I have requested investigation under FCRA 611 ( a ) to all three Bureaus in reference to XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX No Account Number Noted. I have asked XXXX, XXXX, TRANSUNION not to update or verify these fraudulent accounts without doing a due diligence investigation. I have requested to be provided with a WET SIGNATURE and physical documentation to support the information that is being reported and they have FAILED to do so. They have also FAILED TO BLOCK IDENTITY THEFT RELATED INFORMATION.TransUnion reported that they CANT locate a credit profile but they are still reporting FRAUDULENT accounts on my credit profile they are lying and reporting inaccurate information on my report. XXXX is also still showing an Account for XXXX XXXX XXXX XXXXAccount Number XXXX IN WHICH THE CREDITOR PROVIDED PROOF THROUGH THE CFPB THAT THEY SENT RECEIPT TO ALL THREE BUREAUS TO DELETE THE TRADE-LINE AND THEY ARE STILL REPORTING THIS INACCURATE INFORMATION. I KEEP PROVIDING MY DRIVERS LICENSE, UTILITY BILL AND IDENTITY THEFT REPORT, WHICH IS THROUGH FTC ( FEDERAL TRADE COMMISSION ) I HAVE ALSO INCLUDED THE ATTORNEY GENERAL ON THIS COMPLAINT AS I HAVE SENT SEVERAL REQUESTS TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED AND THESE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION OR PROVIDE VALID INFORMATION AND REQUESTED DOCUMENTATION AT MY REQUEST, THIS HAS BEEN WELL OVER 30 DAYS AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY.MAY I REMIND YOU XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681 i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). XXXX has also been fined for improper investigations and inaccurate information being reported, as well as putting previously deleted errors back on credit reports and and failing to block identity theft related information.
Product: Mortgage

Unfortunately, due to my ex abandoning our family and deciding not to pay the mortgage payments, I was unable to make the payment on my home and Green Tree Lending foreclosed on the home. During the whole process, I tried to get them to work with me to save the home but because only he was on the mortgage, although I was the one living in the home, also getting sued, attending all the hearings and responded to all the notices, they would not talk to me. I was told that when I got the divorce in my hand and the house was awarded to me, then they would then talk to me. This was on a conference call between their lawyers, me and my lawyer. I received the divorce three weeks before the home was scheduled for auction. When I called to submit the documentation, they told me that they could not help me and good luck. So the house went to online auction, no one made a bid and GT kept the home. Afterwards, I tried to contact them numerous times to get some kind of timeline for moving and they would not even give me the time of day. They said to call the lawyers, the lawyers said to call them and so on and so forth. Well, without receiving any formal notice of vacating, unexpectedly at XXXX a sheriff shows up at my door and tells me that I have 30 hours to vacate or I will be escorted from the property. I lived in that home for XXXX yrs, tried to work with whomever to save the home but to no avail and my final hours there were on the heels of being evicted???? This is ridiculous and preposterous!!!! It was a complete nightmare, at great expense, both emotionally and financially to get my whole life, including pets, out of the home that quickly and having to borrow money to make it happen. I had to put everything in storage, gave quite a bit away and left things behind because I simply did not have the time or place for it yet. I even had about half the home packed expecting the inevitable since no one was working with me to stay but went through this nightmarish experience anyway! No one should have to go through this, especially when I vehemently tried to save my home and did all of my due diligence. I have had to move, with my pets, into my sister 's home because I was n't given the decency of time to find a place. Needless to say what an inconvenience this is for her and her family! Thank God I had this option. What if I did n't? By myself and thrown out without a shred of decency for a fellow human being. All this talk about helping homeowners is a bunch of baloney. The lenders do not care at all of people 's hardships or wanting to work with you, as displayed perfectly in my case. Do I have any recourse here and I want a formal complaint made because it needs to be and to hopefully help someone else in the future. In this day and age of technology and commerce, EVERY business should be held accountable to fair practices, a level of integrity and be reprimanded when they do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, experian declined to address problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.
Product: Checking or savings account

On XX/XX/year> around XXXX someone from the Wells Fargo Account/Fraud phoned me and told me that they saw possible fraud on my debit card. The number that they used was already in my Contacts as they called the week before saying there was fraud on my Wells Fargo Visa Signature card and they sent me a new card. On XX/XX/year> I believe someone at Wells Fargo hacked my checking and savings account and put everything into the checking account. They then took cash advances on the two WF visa cards and also put that money into my checking. They eventually sent all my money through XXXX XXXX ( which only had the debit card tied to it ) and stole my money. Wells Fargo says they show no signs of fraud, which I think they are lying as this had to be internal. How would a hacker get access to ALL FOUR accounts? They kept passing it off that it was through XXXX XXXX, but as stated XXXX XXXX did NOT have my credit cards or savings attached to it. They refused to help me or correct this by putting my money back on my accounts.
Product: Credit card or prepaid card

On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.
Product: Debt collection

Stoneleigh Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX continues to call and harass me over a supposed debt collection matter at my place of employment. I have informed them on more than one occasion that the number they are calling is a work number and that I can not accept these types of calls at work. I have pictures of phone log from this week with calls made to my work number every day this week. Today XXXX XXXX from Stoneleygh Recovery Associates XXXX called my work number and I again informed him not to call me at work, he continued harassing me saying that there was no other way to contact me and that he was attempting to collect a debt. Earlier this week someone from Stoneleigh Recovery Associates LLC spoke to my boss and informed him that they were calling looking for me to settle a debt I owed. Stoneleigh 's aggressive call tactics are harassing and have put my job in jeopardy. I was told at work that I can not receive these types of calls anymore. I have no other recourse than to file a complaint against them for repeatedly calling my place of employment after I have asked them not to and for threatening/intimidating me by providing private information about a personal debt matter to my boss at work. Stoneleigh Recovery Assets LLC is repeatedly contacting me at my place of employment after being told that my employer prohibits it. I have tried to call them after work on numerous occasions and can never reach anyone. I am concerned someone has my personal information that is not a legitimate company and will use my information illegally.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Why is there a balance being reported??? 


Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Dear XXXX XXXX XXXX I am writing to file a complaint against a collection agency that has been harassing me with incessant calls, despite my repeated attempts to inform them that they have the wrong person. Despite my verification that I am not the individual they are seeking, the agency has refused to remove my name from their list and continues to call me on a daily basis. 

This behavior is not only extremely frustrating and disruptive to my daily life, but it also violates my rights as a consumer. I have tried to reason with the agency and have even provided them with proof that I am not the person they are looking for, but to no avail. The constant calls have caused me undue stress and XXXX, and I am at a loss as to what to do. 

I request that you investigate this matter and take appropriate action against the collection agency. I also request that they be required to remove my name from their list immediately and cease all further contact with me. I would greatly appreciate your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter. 

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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.