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

Upon conducting a recent credit report check, I found information that was 100 % factual yet was unverifiable, invalidated, erroneous, and doubtful. This discovery left me feeling quite dejected.

According to the 15 U.S. Fair Credit Reporting Act, all information in my credit report must be 100 % accurate. 15, and Code 1681e ( b ). Due to the partial truthfulness of their reporting, these accounts are in violation of Code 1681i ( 5 ). Copies of all the letters are attached below.
Product: Debt collection

First of all debt was sold by an apartment place to someone in XXXX Texas called ProCollect which legally should not be allowed for me to have to pay it cause they arent even in the same state I am in XXXX Florida. Second what happened was my mom and I rented from a place that was moldy and had water leakage and a lot of problems she had some terrible lawyers tell her not to pay the rent until they fixed the problems. Well that lead us into debt that we eventually paid to the courthouse. Now they have said that there is still a debt and that its mine and even if there is a debt that is still owed it is in fact not mine it would be my moms responsibility. This happened in 2023 for only a few months and I need the debt gone or at least transferred to her. Oh and theyve called me a XXXX times which I dont appreciate.
Product: Mortgage

I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.
Product: Checking or savings account

On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.
Product: Mortgage

This issue has never been addressed. Wells Fargo keeps adding in the two people that used my property. This is between me and Wells Fargo. 

I used my personal promissory notes to pay off two peoples home loans. 
One in the amount of {$60000.00} the other for {$25000.00}. 
Wells Fargo kept both payoffs and required one person to keep paying and sold auctioned off the other even tho the loan payoff was sent overnight. 

Wells Fargo stole from me when it refused to return my loan payoffs when the two people were not given their homes free and clear. This is the reason I filed the complaint and not the other two people. It was my promissory notes that Wells Fargo kept for itself not theirs. 

I have the letter from Wells Fargo that proves Wells Fargo received both promissory notes which has been sent to the CFPB Ombudsman. I welcome investigation. 

CFPB treatment of my promissory notes in this manner is violation of Article 75, Bills of Exchange and Promissory Note Act and accusing my promissory notes are fraudulent is slander. 
CFPB please ask Wells Fargo why it kept my promissory notes when the loans were not paid off. 

CFPB if Wells Fargo tells you it does n't accept promissory notes ask why does Wells Fargo 's own website have the definitions of what a promissory note is and why does Wells Fargo require a promissory for every loan it makes. 

CFPB please ask Wells Fargo why it 's own advisors wrote a {$440000.00} promissory note if promissory notes are worthless. 

CFPB the asset that backs my promissory notes is my promise of monthly payment and the promissory note itself. My promissory note is freely transferable same as the one Wells Fargo advisers wrote. 

CFPB investigate this matter thoroughly as Congress gave you the authority to directly handle individual consumer complaints.. Due to the nature of this complaint I have notified members of Congress and the Senate. 

CFPB require Wells Fargo to publish its response to this complaint in your public forum no private messaging or post mail of any kind.
Product: Credit card

I made a balance payment on my account for XXXX on XX/XX/2017. I was then informed that my account was closed after payment. I was never notified of account closure before today when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. 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.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not conXXXX 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 XXXXtinue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Product: Credit card or prepaid card

No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citizens bank on XX/XX//22. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting

I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record
Product: Credit card

I have repeatedly disputed the closed collection in my credit file and reached out to XXXX XXXX and the third party the debt was sold to for collection and have not received requested documentation showing my signatures and validation that I opened this card. The companies are breaking FCRA laws. 
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of the inaccurate, outdated and unverified account. Reporting to the CFPB is step one. I will pursue legal action as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.
Product: Debt collection

The original date and amount of the collection open date from original creditor XXXX XXXX XXXX is XX/XX/year> and when it was sold the debt agency NCB MANAGEMENT SERVICE has started reporting date as XXXX XXXXwhich is incorrect, I have done a little bit of research and this is what I found ; Legally, collection agencies can not report old debt as new. If a debt is sold or put into collections, that is considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date.
Product: Credit reporting or other personal consumer reports

I sent letters to all 3 credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unathorized credit inquires on all 3 credit report agengencys XXXX transunion and XXXX
Product: Payday loan, title loan, or personal loan

The loan is 26.60 % interest rate. The minimum payment is {$1300.00} each month. The principal amount is XXXX but The total amount to be paid is {$84000.00} on a 2015 XXXX XXXX. 

The loan is from One Main Financial We will be unable to make those monthly payments because our income has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my closed checking account to the credit bureaus. This account, which was closed due to an overdraft, has been incorrectly reported with a payment history, including multiple " charge-off '' entries. It is crucial to note that checking accounts are not extensions of credit and therefore do not, and should not, have payment histories associated with them. A copy of my credit report is provided. 

Details : Checking Account Date Opened : XX/XX/XXXX Balance Reported : {$460.00} Balance Updated : XX/XX/XXXX Credit Reported as : " CO '' ( Charge-Off ) for XXXX through XX/XX/XXXX Violations : This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : This provision mandates that furnishers of information to consumer reporting agencies report accurate information. Reporting a payment history on a checking accountan account type that inherently does not involve credit or paymentsis a clear violation of this requirement.

15 U.S.C. 1681n : Under this statute, I am entitled to statutory damages of {$1000.00} for willful noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and XXXX have both deleted those charges and brought the score back up. ( Experian is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.
Product: Debt collection

Request Al information on Amazon store card number ending XXXX. 
Synchrony bank card.
Product: Checking or savings account

Sent money by XXXX, went to the incorrect person and when I asked them to reverse it they would not. Also, fraud happened on my account and they denied my claim
Product: Mortgage

Purchased a home with an FHA mortgage and a XXXX XXXX Homestyle Renovation loan. I am seeking to terminate the Renovation loan and have the loan balance applied to the principal balance of my mortgage and the company refuses to terminate the loan. Originally held by XXXX XXXX, the mortgage or renovation loan portion of the mortgage is currently administered by HomeBridge Financial Services.
HomeBridge had indicated that if I did not re-apply for an extension of the loan, the loan would be terminated. I did not apply for an extension, but they did not terminate the loan. 

I contacted HomeBridge and demanded the termination of the loan. HomeBridge has refused to terminate the loan. 

HomeBridge demanded an appraisal of the property, which I consented to, and an appraisal was conducted on XX/XX/XXXX. 

I have made numerous, almost daily, requests for a copy of the appraisal, and have always been told by several individuals at HomeBridge that they do n't have a copy of the appraisal and have never received a copy of the appraisal. I contacted the company that conducted the appraisal and they related the following : the appraisal was tendered to HomeBridge on XX/XX/XXXX ;  on XX/XX/XXXX, HomeBridge requested modifications to the appraisal ; on XX/XX/XXXX, a modified appraisal was tendered to HomeBridge. The appraisal company had also sent copies of the appraisal to a company called XXXX XXXX on XX/XX/XXXX. Representatives of XXXX XXXX informed me that they too sent a copy of the appriasal to HomeBridge on XX/XX/XXXX. The last time I contacted HomeBridge demanding a copy of the appraisal was XX/XX/XXXX. The HomeBridge representative at that time told me that HomeBridge never received a copy of the appraisal. 

I have requested the termination of my renovation loan, HomeBridge refuses. 
I have requested a copy of the original appraisal conducted on my property, HomeBridge has actively misrepresented to me that they never received an appraisal when in fact they received several copies of the appriasal and requested modifications to same ; I have requested a copy of the modified appraisal conducted on my property, again HomeBridge consistently states they never received a copy ; HomeBridge fails and refuses to respond to requests for information ; HomeBridge fails and refuses to produce information regarding my loan ; HomeBridge representatives have consistently given me divergent and conflicting information regarding my loan and the process for the termination of my loan. 

For more than one month I have been attempting to work this out with the company. Again, the company, rather than addressing the issue, either ignores me or lies to me.
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.
Product: Checking or savings account

I made a mistake depositing a {$10000.00} check that was sent to me from my brother. We didn't know it was a sample check and not supposed to be used. Bank of America withdrew {$10000.00} from my brother 's bank account but never deposited it into my account. It's been over 3 months since they got the money. We have called them several times but never had an answer to when they are going to return the money to me or my brother. That is a lot of money and we really need it for our daily expenses. Please return the money to us.
Product: Credit reporting, credit repair services, 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. 
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 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 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.