23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, Parcel No. XXXX in XXXX County. XXXX name is on the note from Wells Fargo N.A. 
In XXXX of XX/XX/XXXXXXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but hat my own financial debacle in XX/XX/XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XX/XX/XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XX/XX/XXXXXXXXBankruptcy was dismissed on XX/XX/XXXX. 
We received Notice of Sheriffs sale for XX/XX/XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XX/XX/XXXXNational Mortgage Settlement Agreement. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the XXXX XXXX XXXX rust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; Exhibit 2 XXXX XXXX definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX Trust Laws ; Note to Exhibit 4 XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have more information : Start of Application for Modification ( 3 of them ), Service of Notice of Sale 2 days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XX/XX/XXXX Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Debt collection

I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.
Product: Credit reporting or other personal consumer reports

I have discovered inaccuracies on my credit report that fall under 15 USC 16c-2. The information in question is incorrect and is negatively impacting my credit. The inquiries listed were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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: Debt collection

I am submitting this formal complaint against Northern Hills Collections Inc. to the US Consumer Finance Complaint website. The debt claimed by Northern Hills Collections Inc. is not valid, as I have never received any goods or services from the company in question. Furthermore, the alleged debt has exceeded the statute of limitations in South Dakota, rendering any legal action invalid. 

I am deeply concerned about the threatening nature of the letters I have received from Northern Hills Collections Inc., a copy of which is attached for your reference. Despite my efforts to seek validation of this debt by filing with all three major credit bureaus, there has been no response or validation of the debt in question. 

I request immediate investigation and appropriate action to address the unethical and harassing behavior of Northern Hills Collections Inc . Cease all collection activities related to this disputed debt, provide validation of the debt 's existence as required by law, and take corrective measures to rectify this situation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft
Product: Debt collection

Repeated phone calls even though I asked and written them requesting them to stop calling. 

Calling late at night, very early in morning, and during work hours. 

Received threats of court action, being unable to register a car
Product: Credit card or prepaid card

Account showing a delinquent or past due at some point I called XXXX and told them that I never received a billing statement for that month I have never been late on payments they told me not a problem don't worry your ok if you make the payment today which I did at the time it happened come to find out this has been a hard hit on my credit score for months almost a year.
Product: Credit reporting or other personal consumer reports

I requested that the incorrect information on my credit reports be deleted. They can not find record of my loan because the original creditor ( XXXX XXXX XXXX ) has sold to a new company ( XXXX ). The new company ( XXXX ) requested that I fax the complaint to them after stating that the do not have the records. I complied with this request and faxed it on XX/XX/XXXX. They will not respond. I have since disputed with Experian and XXXX XXXX but they say the information is accurate and do nothing to resolve the situation.
Product: Checking or savings account

Sofi Bank offered a {$300.00} bonus on new accounts if {$5000.00} or more were deposited via direct deposit within XXXX  days of each other. I called in advance of pening the account to assure that my IRA retirement distribution and social security benefit would qualify, and I was told it would. On XX/XX/year> a direct deposit from XXXX XXXX in the amount of {$3500.00} was accepted by XXXX and on XX/XX/year> my Social Security benefit dire3ct deposit of {$2400.00} was accepted by Sofi. I satisfied the requirement with XXXX days. I received the lesser bonus of {$50.00} because the XXXX XXXX deposit was not tagged as a direct deposit. The responsibility of tagging the deposit as a direct deposit is Sofi Bank 's, I believe. I have brought this to their attention numerous times in website chats and verbal phone calls. I received a call from a Sofi representative the week of XX/XX/year> who had listened to recordings of the conversations I had with Sofi customer service and was apologetic that none of the customer service persons advanced my complaint for review or posted the problem to my account as each of the said they would do. He promised to get my situation reviewed, but a call today yielded the same dead end all the previous calls did. 

Sofi has categorized the {$3500.00} as a direct deposit, but has not categorized the first one as a direct deposit, and the result of that is to deny me {$250.00} of the promised {$300.00} bonus.
Product: Debt collection

My supervisor contacted me alerting me that a debt collection company has been calling repeatedly trying to reach me regarding a debt. They were told this is not allowed and it needed to stop. They did not. I called them and told them myself you can not call my job or I could get fired.They said they would stop but they havent. They still call all the time. The company in question is midland funding llc. I dont have dates because its been weekly for the entire year. They have my phone number and address on file but claim they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: Credit reporting or other personal consumer reports

This company Equifax continues to report fraudulent information even after being notified I have a freeze on my report and it isn't lock apparently still open. My profile was never frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

I called credit bureaus to dispute inquiries and they said I need to contact companies. I dont know companies and did not apply for credit
Product: Debt collection

This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Is reporting false and inaccurate information on my credit report. There is no such account and I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found multiple of inaccuracies with the way this item is reporting on my credit. I was looking through my report and noticed a vehicle that was repossessed where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Product: Money transfer, virtual currency, or money service

I was anticipating a large cash transfer from my distributor in XXXX. I asked my Chase bank representaive to look at the transfer paperwork and asked him to have a Chase Bank transfer specialist to look at it, He said it looked OK but that he could not have a transfer specialist to look at it. I called the Chase bank XXXX number and asked if I could scan the document and have a specialist look at it and was told I could not send them a copy but they took the transaction numbers down and said they would report back to me in 24-48 hours. I have still not heard back in three weeks! then I went to a branch and met with a bank officer, a XXXX XXXX XXXX and asked him to look at the transfer and have a transfer specalist to look at it. He said he could not do that but that it appeared OK to him. I found out that a hacker had hacked my email and changed the wire to instruction to my distributor to send the funds to a Chase account in North Carolina that was set up using a variation of my company name and with my full name on it! I provided that information to XXXX XXXX and the other officer and no one took anty action. Te funds were sent to the made up account at the Chase Bank in North Carolina and they would take no action to prevent the fraudulent account from being accessed! This has severly damaged my business any my ability to do futher business in XXXX and this could have been prevented! I have a poilice report.
Product: Credit reporting or other personal consumer reports

I need Lowes Inquiry deleted. Unauthorized use of my personal information & I have no open personal accounts with them. 

A store attendant at Lowes encouraged me to opened a Commercial account for my business with the company. I agreed to opening a commercial account ONLY. But specifically told him multiple times that as long as it is not connected to my personal credit, ( because as I am in the home buying process & I was told not to have any Hard Inquiries or open any personal credit cards on my personal credit ). He assured me that there was no connection with business & personal credit as they are separate for a reason. A few days later, I saw a hard inquiry on my personal credit profile and I have no open accounts on my personal credit with Lowes. The store apologized & admitted wrong doing & I have been trying to work with them to solve the issue as the card issuer is not Lowes but Synchrony ( they have confirmed that I have no open accounts on my personal credit profile but the hard inquiry is still there ) but Im realizing that they have been taken for a loop, ( making me go in circles for over a month ) trying to get the hard inquiry removed off my personal credit profile as they promised. 

I have no personal open accounts with Lowes but I have a Hard Inquiry on my personal credit that was unauthorized by me.
Product: Credit card

While CFPB recently limited credit card late fees to actual costs incurred for issuers with more than XXXX XXXX accounts, I just received a notice dated XX/XX/2024, from Comenity Capital Bank, stating that the Late Payment Fee has increased and is now 'up to {$41.00} '. The statement goes on to state that the first late fee is now {$30.00}, then every one thereafter is {$41.00} if the account has been assessed a late fee in the previous six months. 

This statement is for my Dell Pay Credit Card Account. Comenity may not have one million Dell accounts, but they also issue dozens of other store cards. I also have a XXXX card issued by Comenity. When all of their store accounts are taken together, I suspect they may have well over XXXX XXXX credit card accounts. If this is the case, I am concerned that they are overcharging for late fees. 

I have not been assessed a late fee after the XXXX rule change. I have been assessed one late fee in the history of this account, in XX/XX/2024, when I missed my payment by one day, and was subsequently charged {$21.00}. This late payment was only due to forgetfulness and occurred over a weekend, when my payment was due, and payment was completed by Monday, the beginning of the work week. Even had I submitted my payment on time, Comenity would not have withdrawn funds from my bank any earlier than they did. As such, I can not account for any cost to them for my lateness, and if the same situation were to occur again, I would suffer even higher penalties. 

Can you clarify first whether Comenity 's various store accounts are counted together when determining whether the new late fee rule applies to them? Then please address my remaining pertinent concerns? Thank you for your time.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Months ago, I noticed I had accounts with XXXX XXXX listed on my credit report. I contacted them with the intention of consolidating the sums and paying them off. Upon speaking with XXXX, I was told that there were no accounts shown in my name, except one of {$37.00}, in which I paid at that time, though it was not even one of the ones listed on my credit report. They transferred me to another department to see if they could find accounts in my name. They could n't. They told me to dispute the accounts with the 3 credit agencies and they should be removed, hence they can not find any accounts associated with my name, phone number or address. 
I disputed them. XXXX and XXXX both deleted the accounts from report. Equifax responded that they had proved the accounts to belong to me, and to contact XXXX with any questions. The phone number Equifax provided for XXXX was not in service. I contacted XXXX again, from the phone number on their website. I was told the same thing, no accounts shown in my name. I asked for a letter stating this, and was told that they can not speak on my behalf since I have no accounts with them ; and to dispute them. Again I disputed them with Equifax with this new information. Even told them to request the phone recordings of XXXX stating this since they state that the calls are recorded. Again Equifax stated that they found the accounts to belong to me and again provided a number not in service for XXXX. At this point I am frustrated because it is affecting my credit score. I am in the process of trying to buy a home. I can not get the XXXX accounts off of my report by paying them because XXXX can not find these accounts, nor can I have them removed because Equifax will not delete them like XXXX and XXXX did after their investigation. When I called Equifax to discuss this I was told that I can dispute them again. I do not know what else to do. 
Thank you
Product: Debt collection

I have repeatedly requested that Portfolio Recovery Associates , LLC / XXXX provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.