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

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting or other personal consumer reports

sent XX/XX/2024 Request to remove inaccurate information No resolution
Product: Payday loan, title loan, or personal loan

I opened an account with TDRetail in XXXX. I have encountered job loss and job change yet continued paying my account. I communicated extensively with TDRetail the entire duration of my account usage ; I formally requested hardship consideration to be able to pay my account off under the deferred interest period - request was for an additional 30 - 45 days. I received no response from TDRetail for over 4 months even though I continued to inquire regarding my request, I continued payments on my account. Finally, after several inquiries on my part and no response, then TDRetail denied my request. Once XX/XX/XXXX arrived and I had paid ~ {$2500.00} on the principal ( original purchase ) and ~ {$1000.00} in interest - I prepared a dispute of the remainder of the debt showing as exorbitant predatory interest, including in writing and verbally during phone calls that my last payment was my final as an accord and satisfaction. Now TDRetail is calling a mailing me incessantly, and negatively reporting on my credit. 



Getting a line of credit - TDRetail lowered my credit limit, now reporting negatively on my credit ( confusing advertising or marketing, credit denied ) Problem when making payments - Although I endured financial challenges I paid my account- I communicated extensively with TDRetail ( billing, privacy issues ) Struggling to pay your loan - Although I was in XXXX XXXX, I paid my TDRetail account ( payment plan, repossession, bankruptcy ) Problem with the payoff process at the end of the loan - TDRetail is charging my exhorbitant interest although I have paid principal and interest to finalize the debt ( refinancing, extending loan ) Charged fees or interest you didn't expect - TDRetail is adding exorbitant predatory interest charges to my account Problem with additional add-on products or services Problem with cash advance Credit limit changed - TDRetail lowed my credit limit Problem with credit report or credit score - TDRetail is negatively reporting against my credit
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian, Equifax, and TransUnion multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX 2024 Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.
Product: Credit card

I believe Wells Fargo owes me in the neighborhood of {$420.00} ( I earn {$130.00} an hour ) for time wasted attempting to resolve this issue. I sent a request to its board because I could not get satisfaction from anyone at Wells Fargo despite repeated calls, messages and letters. 
Yet, Wells Fargo contends it puts Customer Service first above all else in its XXXX and Values statement. 
Obviously, that is not true as can be attested to by the recent accounts scandal. But Wells Fargo 's scandal does n't end with employees increasing their salaries by opening accounts in customers ' names without their knowledge. I have discovered that Wells Fargo refuses to reduce the APR of any customer even those with good credit so it can reap the large fees of those who carry a balance. At least that is what XXXX of its executive staff told me last week. Apparently, if you get a high initial APR when you open a credit card with Wells Fargo, then that is the APR you keep for life regardless of how well you manage your account. 
My issue, is this : How can a bank get away with this? Is there any logical reason other than filling its coffers that would prompt a bank to increase a person 's credit line by thousands of dollars but refuse to lower the APR? The only reason I could come up with was the bank 's culture of greed. 
It is not employees taking advantage of customers, it is the culture of the bank itself. 
It is illogical for a bank to raise someone 's credit limit if a person 's credit is bad. 
People with bad credit are high risk and so banks charge exorbitant interest rates to protect themselves. In fact, many banks wo n't even give people with bad credit anything but a secured credit card. 
The first time I requested a reduction of APR, I was told it was because I had poor credit even though my credit score at the time was over XXXX and my credit with Wells Fargo had been impeccable. The fact of a bankruptcy in 2010 was the reason behind the initial rate. ( I lost my job during the economic downturn, like millions of others, which caused the bankruptcy. ) Each time I requested a reduction after that, I was told that there is nothing anyone can do about the APR. I totally understood that reasoning initially. That was until my credit line began to climb. From {$2500.00} to {$10000.00}. over the last few years. 
My question then and now is : Why, if I have terrible credit would a bank give me a {$10000.00} line of credit? And if it did give that to me was it not telling me that the bank was more than willing to give me that line of credit because I was a good credit risk with the added benefit of being able to extract huge interest rate fees? 
And how are these actions different from employees opening unauthorized accounts? 
The credit card executive staff employee, XXXX XXXX was unable to answer my questions or do anything about the issue because it was not permitted. 
XXXX came back with the same response. Please get back to me with an explanation as to why Wells Fargo has the right to exploit its customers in this manner.
Product: Debt collection

I sent a formal request via certified mail requesting validation bearing my signature showing that I have or ever had some contractual obligation to pay them. I mailed this on XX/XX/. 
In return, I received a letter stating, " XXXX XXXX '' to pay them by XX/XX/XXXX  or they forward to an attorney in my state for possible litigation.
Product: Debt collection

On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
Product: Mortgage

PennyMac Loan Servicing is filing foreclosure NOTICE of order etc with county registry of deeds during Hamp Streamline Loan Modification TPP. They have cashed 2nd check and yet are moving forward illegally on fabricated documents to foreclose dual tracking non compliance fed & state laws. they must be stopped from this illegal action to illegally take my house, while I am trusting the documents they are sending indicating I have qualified for STREAMLINE HAMP no doc, just send payments and they will provide Hamp Affidavit and 2 copies of loan mod for notary signature. they indicate 3 % fixed etc. IT IS OUTRAGEOUS THAT THEY ARE PROCEEDING WITH PHONEY DOCUMENTS WITH A FORECLOSURE BEHIND MY BACK. IT WAS DISCOVERED BY A FRIEND THAT THE DOCUMENT WAS FILED IN REGISTRY OF DEEDS XX/XX/XXXX THEY MUST BE STOPPED AND FORCED TO ANSWER AND COMPLY I HAVE WRITTEN REPEATEDLY TO PENNYMAC CEO XXXX TO COMPLY WITH LAWS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX XXXXXXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXXXXXX XXXX XXXX  obtained a copy of my credit report. 

XX/XX/XXXXXXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXXXXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX capital obtained a copy of my credit report. 

XX/XX/XXXX XXXX obtained a copy of my credit report. 

XX/XX/XXXX XXXX obtained a copy of my credit report.
Product: Mortgage

XX/XX/2023 I checked my online account with New American Funding and found a {$300.00}. fee charged and added to my XXXX payment. They applied {$14.00} from my excess principal I paid in XXXX which left {$280.00} added to my XXXX statement. i called the company and was told they received info about a bankruptcy and that was what the charge was for. I explained I had not had a bankruptcy, and they replied they had received the info including my loan number. After several minutes of being transferred around a woman told me I would receive an encrypted e-mail with information regarding this and I need a letter of relief from the attorney. My son had declared bankruptcy, but I did not understand why his attorney would involve me. My son is living with me do to hardship but is not on the loan and has nothing to do with my finances. I waited to hear and finally sent a certified letter to his attorney, he replied through my son that he had no contact with New American about me or my loan. 
The encrypted e-mail referred to " families banding together '' as presumptive reason for this {$300.00}. charge. Although any information regarding the legal basis for the fee was not included. Also no info as to whether this is a one time fee, an on going charge and a way to force me out of my .02875 % loan It took me several days to find an attorney with expertise in this situation to get an answer as to my questions. He said this is wrong, but hiring an attorney would be an prohibitive expense to take on a major company. He recommended I file a complaint with CFPB and contact my local government representatives. He said it was important, as I am probably not the only person dealing with this. I am sending the additional amount of the fee separate on a check with the notation disputed fee as per the attorneys recommendation to avoid New American calling me in default. 
I am including encrypted e-mail and XXXX loan statement showing the fee as attachments. The e-mail was an internal doc. with opinion and no legal basis. I was surprised to receive this as a justification.
Product: Debt collection

I received what I deem a phoney collections letter dated XXXX XXXX 2016, on Thursday XXXX XXXX, 2016 saying : XXXX XXXX XXXX XXXX XXXX has turned your account over to us, Optimum Outcomes , Inc., ACCT # XXXX amount due {$1400.00}, XXXX : XXXX XXXX 2016. 

XXXX does not appear anywhere on XXXX. I have never received any type of billing from this firm, which leads me to believe they are bogus. 
Optimum Outcomes, Inc further states : " Unless you notify this office within thirty ( 30 ) days after receiving this notice that you dispute the validity of the debt, or any portion thereof, this office will assume this debt is valid. ... this office will provide you with the name and address of the original creditor '', " if different from the current creditor. The address to send correspondence is XXXX XXXX XXXX, XXXX, NC XXXX. 
Sincerely, Optimum Outcomes, Inc. 
XXXX '' I have no intention of contacting these scammers. It sounds like they 're just fishing for more sensitive information from me. After calling my doctor 's offices, hospitals, and insurance agency to see if they could verify any ties to a XXXX they uniformly said that they never heard of XXXX indicating that it is not a legitimate business or home health agency.
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, 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 an 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 or 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 or other personal consumer reports

I have been disputing this charge for quite some time now I finally have the proof to provide with an email from the property manager and a ledger that was submitted to me by the Property Manager XXXX XXXX XXXX has been trying to charge me for quite some time for a charge that I did not owe. They are charging me {$1600.00} however they already have submitted a final bill for {$110.00}. I have the proof and I have a open dispute with the company who has not yet to respond. I would like this removed off my credit so that I could proceeded to get a house. I disputed this with XXXX however they are saying that the debt is valid. I am disputing this again. Per the attached ledger, this is an incorrect balance owed. XXXX XXXX has already successfully removed this from my credit because the fees are not correct and the company has refused to correct these fees. I would like for XXXX and Experian to remove this from my credit as I am constantly calling them and they have not been any help with getting this off of my credit
Product: Checking or savings account

Multiple unauthorized ( fraudulent ) transactions. 

As specified : - Transaction for {$150.00} on XX/XX/year> Description : XXXX XXXX  XXXX SC XXXX XXXX Transaction for {$78.00} on XX/XX/year> Description : XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My mortgage was transferred to XXXX on XX/XX/2022. 
On XX/XX/2022 I received a welcome letter from XXXX advising me to start my mortgage payment to them. 
Since XXXX didn't provide an online access to my account to make a payment I use my account at XXXX XXXX XXXX XXXX  to pay it. 
XXXX returned my payment on XX/XX/XXXX, stating that account was incorrect, which I believe wasn't true, as I use my account info from the welcome letter. 
Attached proof of payment from XX/XX/2022. 
XXXX held my funds for 8 days without applying these funds to my account, causing financial loss. 
XXXX refused to amicably resolve this payment issue.
Product: Checking or savings account

I am an XXXX  with an XXXX account with Wells Fargo. I recently discovered that someone has been paying their phone bill with XXXX from that trust account. They are not authorized to do that. I am the only authorized signer on that account. I contacted Wells Fargo and I assume the money will be put back in my account. That is NOT why I'm contacting you. I asked Wells Fargo to set up my account so no further electronic withdrawals or transfers can be made from that account. They refused to do so, claiming that it couldn't be done. That is not true because XXXX XXXX  has that option on XXXX accounts. So it's not that Wells Fargo can't do it, it's that they won't do it. 
The purpose of this complaint is to get the CFPB to force Wells Fargo to allow customers with XXXX  accounts to lock out any electronic transfers/payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Product: Debt collection

I have sent several debt validation letters over four times and each time this company has failed to properly validate my debt. Instead, they sent a notice with the amount owed, hospital, and service date with my name which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

On the following dates I received a nonvalid response from this creditor failing to properly validate the debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX they lying and taking money out of my account and illegal lied why they closed my checking account with XXXX in it and did a wire transfer I never received and had my account disabled and lied and only showing my savings account. They lying they never called and ask me to respond and it was over XXXX XXXX dollars in my account and never received both mailed bank cards
Product: Debt collection

After resigning from a college sorority, XXXX XXXX XXXX at XXXX State University, the sorority notified me of {$2300.00} in penalties for events such as social receptions they say I missed without notification, which was untrue and I never agreed to pay. XXXX XXXX of XXXX, IN started contacting me. I sent the attached letter on XX/XX/XXXX demanding proof that I had agreed to pay, which they never sent, along with a notice to stop contacting me by phone. The XXXX tracking confirmation is attached.

XXXX XXXX has continued attempt to contact me by phone. The first call after my certified letter notification not to contact me came on XX/XX/XXXX and has continued.
Product: Credit reporting or other personal consumer reports

*Identify Theft Report Attached* Listed in the attached report and below are fraudulent accounts that were opened fraudulently without my consent it is against consumer law to report fraudulent accounts Experian fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was notified by XXXX that a card had been opened in my name at Kohl 's department store. There were $ XXXX {$800.00} in charges. I do not shop at Kohls and have not shopped there in years. I did not apply for that card. XXXX has contacted me and placed me in touch with Kohls ' fraud department. I filed a fraud report with the store. I have yet to contact XXXX XXXX, which is the company that finances Kohls, in order to get more information about the applicant, the card number etc. I am currently awaiting more information from XXXX. I plan to file a police report today.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED AND THEY WOULD BE REMOVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.
FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS