23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

COLLINS ASSET GROUP , LLC is using my personal identifiable information to furnish negative items on my consumer report to extort me and to cause me duress in the collection of and extension of credit. I am demanding that COLLINS ASSET GROUP , LLC provide to me a legally binding contract / agreement showing all 4 elements that makes it legally enforceable, and that shows the contract is in the best interest of I, XXXX XXXX, the beneficiary. 

I the Beneficiary / Consumer and natural man ( XXXX XXXX ) am submitting this complaint without any influence from any 3rd party.
Product: Mortgage

I sent XXXX to Fay Servicing to stop the foreclosure of my home on XX/XX/XXXX. I owed XXXX in XXXX. When they started the foreclousure. There was a holiday weekend when money was sent XX/XX/XXXX so we also emaild the wire to show proof to XXXX an employee who then confirmed he did recive the email. I made multiple calls ..very hard to get someone to return your calls. Tuesday I spoke to someone mid day. I told him my information and when i gave him my address he said which unit??? And i replied and he goes oh that's why your mail has been getting returned. THEN he said their team was working on it the amount maybe something wasn't right I needed to call back. I explained that I was told to send the amount he said I just needed to call back later... I recieved a phone call at XXXX Immediately return phone call. But it took a few times to get through to somebody and I was told that I did not send enough money i was XXXX short and there was nothing i could do to stop the sale now except call their lawers. Which I did and had the same issues trying to get a person there. ( My lawyer tried too ) I went to the sale with cash to pay what was needed and they wouldn't stop due to Fay Servicing not informing them I was trying to pay or that iI had sent the money but because i was told the wrong amount. The sale went through for over twice what iI owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these inquiries. Remove them immediately. THey are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have no permissable use and according FCRA need to be removed immediately. I will sue if they arent not removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/2025 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation.

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 

Please see these accounts are removed from my file at once. 

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. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused right now why Equifax report the accounts as transferred accounts but its current, all payment history were all OK. They wont even give me an explanation as to why they say its verified when its incorrect..CFPB, clear this all up and report them correctly. XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I got a letter from XXXXXXXX XXXX XXXX XXXX saying my social security number has been compromised. Somebody tried to file taxes on my name also tried to open credit and loans. I dont recognized these inquiries removed
Product: Debt collection

I am being contacted outside of normal hours. I am currently in XXXX. I have told them to stop calling. They call from several different numbers all over the USA and hang up. There is no intent to collect the debt, only to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX data breach and i'm concerned it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX : Account number : XXXX, Please address this late payment and update its status to paid. Could you please modify the late payment to show it was paid on time? 

XXXX XXXX : Account number : XXXX, Please verify this late payment and ensure it is recorded as paid. Please ensure the late payment is updated to show it was paid on time. 

XXXX : Account number : XXXX, I request that you look into this late payment and confirm it is marked as paid. I request that you change the late payment status to reflect it was paid on time. 

XXXX : Account number : XXXX, Kindly review this late payment and correct it to show as paid. Kindly adjust the late payment to show it was paid on time. 

XXXX XXXX XXXX : Account number : XXXX, Please investigate this late payment and update it to reflect that it has been paid. Please update the late payment to reflect it was paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( 15 ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank is very slow in updating my bank information with an authorized third party service ( XXXX ).
Product: Credit reporting or other personal consumer reports

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2023 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). ( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Product: Credit reporting or other personal consumer reports

My XXXX girlfriend XXXX years ago had my Social Security and I believe that it may have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Checking or savings account

Wells Fargo bank is compromising my privacy preference and refusing to direct their mail to my mailing address which is a po box XXXX as I indicated on my Wells Fargo account profile. 
all the Wells Fargo answers I received regarding this issue are misleading and excuses that are not related to this problem. 
1- For more than Two years and more than Fifty complaints now I am trying to fix this issue with Wells Fargo that does not indicate any existence. it is like talking to walls. 
Today also I received a letter from Wells Fargo regarding my account to my physical address. 
The Wells Fargo employee 's policy seems to be that lies will wash the problems. 
The more lies those employees are doing the deeper the problem is getting. 
Wells Fargo has no managers on duty, the executive employees are working from the comfort of their homes doing whatever they please with the customer 's account without any regard to the laws and regulations and without any regard to customer privacy preferences. 
This bank has no website or email contact for complaints ; this is why most of their customers come here to complain. 
Even the Wells Fargo employees who answer to the complaints here do not tell the truth and do not try to find a solution, they only answer by misleading statements. 
2- every time we sign into our Wells Fargo account, we face a large pop up that covers the whole page it is destructive and annoying and waste of time and tricky if you click on the page you will be switched automatically to paperless statement, it is difficult to find a way to close it and more difficult to get rid of it even after more than 6 months and more than 20 of complaints this issue has not been solved. 
Wells Fargo 's employees seem to be working without any supervision and the bank is running without good management. A good management for sure will not accept this to happen to the customers. 
At least Wells Fargo should respect the privacy of the customers and follow the privacy preference as indicated on the customer 's account. 
but to whom we complain other than to CFPB. when the Wells Fargo Employees and the supervisors and the managers and the CEO are never on duty to serve the customers, but they are always at the comfort of their home doing whatever please them without any regard to the customers. 
I am not expecting a true answer from Wells Fargo for this complaint as my last Two years ' experience convinced me that I will not hear the truth from Wells Fargo. 
Notice I have been a Wells Fargo customer for more than THIRTY-FIVE years and I never had to complain this way till Two years ago when Wells Fargo moved the customer service overseas, changed management and CEO. 
I attached copies of many of the Wells Fargo letters that I received illegally to my physical address and i have many more to be provided upon request. So, Wells Fargo can not lie again and say only one letter was sent to your physical address.
Product: Credit card

Company closed my account after making my account go into good standings and refused to re open my account although a representative explained I had to pay I agreed to pay and they still would not fulfill their promise. Sold my personal information to a third party without my permission and this violates my rights according to usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXl XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX be cause by information was compromised they are completely aware of this.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Im more XXXX XXXX XXXX cuestomer of wells Fargo and every year they tried to get more money about new charges and some time they dont send any notification about the new policy or changes. And I have too many issues about other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious issue with my credit report that has been causing me considerable financial harm and emotional distress. It has come to my attention that Equifax, XXXX and XXXX, the credit bureaus responsible for maintaining my credit history, have incorrectly reported a bankruptcy on my credit report that does not belong to me, despite providing all necessary proof to demonstrate that the bankruptcy is not mine. I have already reached out to each bureau multiple times. I have submitted a letter from XXXX XXXX where XXXX XXXX has removed this false information from their files, yet the bureaus are refusing to comply! 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) obligates credit bureaus to ensure that the information they report is accurate, up-to-date, and complete. The FCRA also requires credit bureaus to investigate disputes within 30 days and, if the dispute is found to be valid, to promptly correct the erroneous information. 
In my case, I have complied with all the requirements of the FCRA by disputing the inaccurate bankruptcy information and providing all the evidence to show that the bankruptcy is not mine. However, the credit bureaus have failed to correct this error on my credit report, which has resulted in significant financial harm to me. 
I would also like to draw your attention to the Consumer Financial Protection Bureau 's ( CFPB ) mission to protect consumers from abusive and unfair financial practices. I believe that the credit bureaus ' inaccurate reporting of the bankruptcy on my credit report violates this mission, and I would like to request that you investigate this matter and take any necessary action to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
I kindly request that you inform the credit bureaus to provide me with a copy of my updated credit report after the erroneous information has been corrected. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX attached are the same bs letters they keep sending me, along with the XXXX UNVERIFIED AND REMOVED letter. than you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # US bankruptcy XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXXs XXXX, XXXX XXXXy XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX has violated my right alsXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.