23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.
Product: Credit card or prepaid card

To whom it may concern : Subject : Credit Card Decline Letter XXXX XXXX XXXX XXXX ) I am writing to dispute the following information that XXXX  supplied to Comenity Capital Bank. 

I XXXX XXXX applied for XXXX XXXX XXXX/Comenity Capital Bank on XX/XX/2021, as you view the attached letter dated XX/XX/2021 Comenity Capital Bank was unable to continue processing my application until I contact them directly to verify information. 

Upon receiving the letter, I contacted Comenity Capital Bank on XX/XX/2021, to the best of my recollection, I was asked the following question : full name, date of birth date, social security number, home address which I provided via phone. 

On that note I received a second letter from Comenity Capital Bank dated XX/XX/2021, which states Comenity Capital Bank was unable to approve application for XXXX XXXX XXXX reason : Comenity Capital Bank was unable to verify my identity using ( XXXX  XXXX. 

On XX/XX/2021, I filed a dispute with XXXX online asking for removal of the hard inquiry XXXX XXXX XXXX Comenity Capital Bank due to inaccurate information being reported via XXXX  to Comenity Capital Bank XXXX 

Completed dispute ( XXXX  XXXX Confirmation Number : ( XXXX ). According to XXXX  I would have to contact Comenity Capital Bank to remove the hard inquiry. 

After contacting Comenity Capital Bank on XX/XX/2021, to remove the hard inquiry representative stated I failed the security question ( s ) on XX/XX/2021, to the best of my recollection I provided my full name, date of birth, social security number, and home address. 

Apparently, XXXX  has inaccurate information on my credit report which serves as the basis for obtaining credit card decision, so it is conceivable that inaccurate data led to me being mistakenly declined and I truly believe human error occurred on behalf of Comenity Capital Bank while verifying my identifying via phone on XX/XX/2021. 


Sincerely XXXX XXXX Attached : *Verify Identity Letter XXXX Comenity Capital Bank ) *Verify Information Letter
Product: Credit card or prepaid card

XXXX XXXX 2013 shoud be removed, deleted and updated
Product: Mortgage

I had a fixed rate mortgage and a set payment of XXXX. Now after my mortgage being sold 3 times it 's now XXXX. Now I 'm late month after month because it 's doubled
Product: Debt collection

My husband and I rented an Apartment at XXXX, from XXXX. We lived in the complex for over XXXX years. In XXXX of 2022, I contacted the property manager to find out if we were allowed to sublease as I needed to move due to a family member being ill. My husband was not moving at that time as he was finishing his last few years of employment with the XXXX XXXX  XXXX XXXX XXXX Our original intent was to either sublease the apartment or to find roommates to share the apartment with my husband. 

I was informed by both XXXX XXXX the apartment manager and XXXX the assistant manager that as long as I gave 2 months notice, the termination fee would not apply. They were very clear on this. Following is an excerpt from the letter I sent disputing the charges : Since I was a few days short of XXXX months, XXXX did warn me that I may be responsible for additional XXXX rent if the unit did not rent on the XX/XX/XXXX. To this end, we gave possession of the apartment back on XX/XX/XXXX in order for it to be made ready for an XX/XX/XXXX release. 
We would not have vacated the apartment if I had known that the termination fee would still apply, as I had other options that would have worked as well. 
We want to point out that, as to re-leasing our apartment, this was not done in good faith, as the rent was increased by over 30 %, this increase would account for the apartment not be released as of XX/XX/XXXX. 
Additionally, please detail the damages and provide documentation for all additional fees you are attempting to charge us. For the painting fee, please provide documentation as to the usual cost of repainting a XXXX bedroom and the cost of repainting ours. 
As we paid the monthly utility fees at the beginning of each month, there should be no additional charges there either. 

We sent the above information in response to a bill I received from XXXX stating that I owed $ XXXXin the letter I stated that I disputed this amount. 

After they received my letter I received several phone calls attempting to get me to pay the {$5700.00}. Each time I reiterated that I had disputed the amount and would refer to my letter and stating that they had never responded. 

Several months ago I received a call from a collection company named XXXX. I tried to explain the situation to them, sending them a copy of the letter I originally sent to XXXX and asked that they contact me via mail so that I could have a paper trail regarding our contacts. 

Now, rather than contacting me or responding to my email, the " debt '' has shown up on both my husband 's and my credit reports. I will be disputing it with the credit report company. 

I am submitting this complaint because it seems wrong that they can just proceed with the debt collection knowing full well that I was disputing the amount and without anyone ever replying to my dispute letter. 

Thank you. 
XXXX and XXXX XXXX
Product: Mortgage

we have a will and trust of parents which was all good originally then this past year we need to talk to them about XXXX $ i had sent for taxes. they made us send everything again and said it was good. when i found it hard to make payments called multiple times and they say we didnt do somthing right and they wont talk to us. on XXXX they were supposed to mail a packet of intent? but never did then on the XXXX filed papers at county appointing someone as trustee on account. never giving us opportunity to make arrangments on mortgage. then i contacted a realator to sell and im informed its up for auction. they still refuse to speak to us. I have faxes dated and names of them having all needed info in regaurds to speaking to us yet they wont. we are now just trying to pay whats owed and even payoff this mortgage and they refuse to talk to us at all nor will they tell us what we need to do. so how is one supposed to handle things when they wontg speak to any of us and refuse to acknowledge executorship of my sister when it was clearly filed with them through loan process but now us sending same thing isnt valid? its all not right and yes we got behind but only trying to right it and they have withheld evrything or option from us up to and including the auction of our parents property
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACT EQUIFAX EVERYBODY 'S INQUIRIES THAT I DO NOT KNOW ABOUT I DISPUTED EVERYONE THAT'S ON MY CREDIT REPORT EQUIFAX SENT INFORMATION BACK TO ME SAYING THEY AGREED WAS ON MY CREDIT REPORT I HAVE TRULY TRULY TRY DEALING WITH THIS ISSUE EVERY TIME PUT IN DISPUTE THEY DENIED THE DISPUTE ALL OF THE DISPUTES OF INQUIRIES THAT WAS MADE ON MY CREDIT REPORT OF ME OR NO KNOWLEDGE I ALSO HAVE ON THEIR STATEMENT LETTING THEM KNOW THAT I WAS IDENTITY THEFT I HAVE FOUND SEVERAL COMPLAINTS WITH HIM DISPUTES I HAVE ALL COMPLAINTS REFERENCE NUMBER REPORTS ON EQUIFAX EQUIFAX SENT ME AN EMAIL DENYING ALL MY CLAIMS I SENT THEM OVER 20 TIMES THE SAME INFORMATION THEY REQUESTED FOR IT IS NOT MY FAULT OF MY PROBLEM THAT THEY LOSE OR LOST MY INFORMATION I REFUSE TO SEND THEM IN THE SAME INFORMATION THEY REQUESTED THE FIRST TIME I SENT THEM THE INFORMATION THEY SAID THAT I HAVE TILL XX/XX/XXXX OR XX/XX/XXXX TO SEND THEM THE INFORMATION AGAIN WHICH IT WAS SENT TO THEM ON PROPERT APPROPRIATE TIME. I BELIEVE ON 100 % SHUTTLE WITHOUT THAT THIS IS RETALIATION OF ALL REPORTS CLAIMS AND COMPLAINTS THAT WAS MADE BY ME FROM THE FTC I HAVE BEEN MORE THAN PATIENT WITH HIM OR DOING WITH THEM AT THE SAME TIME I'VE BEEN OVERWHELMED XXXX MENTAL EXHAUSTION AND THEY STILL DENYING MY CLAIM I DON'T KNOW WHAT'S GOING ON WITH THEM AND WHY THEY CONTINUE TO DO THIS I KEEP SENDING THEM ALL THE INFORMATION IN I REFUSE TO RESEND ANY INFORMATION IN AGAIN IT IS NOT MY PROBLEM NOR MY FAULT THAT THEY LOST THE INFORMATION MY INFORMATION ON MY TIME. HOW MUCH MORE CAN I GO AND DEAL WITH THIS WITH EQUIFAX THIS IS TOTAL OF DISCRIMINATION RETALIATION AND I'M TIRED OF IT
Product: Mortgage

I never received credit that was due to me, the co-owner of the property along with my husband for a change in home insurance. Midland Mortgage paid out both premiums. Id informed the prior company of our decision to switch our home insurance coverage to our present home owner insurance of XXXX. Since Midland paid both companies it made my mortgage payment increase to XXXX more a month to which I have been paying since XXXX. I need my mortgage to go back down to XXXX like it was before. I need the former insurance company to reimburse me the extra payments they caused me to pay all because they refused my refund. The insurance paid to them was NOT for my husband, but it was for OUR HOME. XXXX XXXX was never sole owner. Thank you for your time and help.
Product: Credit reporting or other personal consumer reports

I am writing to address a failure on Experian 's part to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite providing substantial evidence supporting my dispute, the inaccurate or unverifiable accounts in question remain unresolved. 

My experience reflects systemic issues recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, which alleges practices including : Failing to forward consumer-provided evidence to furnishers ; Accepting unreliable responses from furnishers ; Inadequately notifying consumers of dispute outcomes. These practices directly align with my case, where Experian has neither corrected nor removed the disputed items despite the documentation I provided. This ongoing failure has caused significant harm to my credit standing and constitutes a violation of my rights under federal law. I respectfully demand immediate corrective action to : Remove or amend the disputed accounts in accordance with the evidence I provided. Provide a detailed report of the investigation process and its findings, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation XXXX 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 Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$8200.00}
Product: Credit reporting or other personal consumer reports

Experian / TransUnion / Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

on XXXX, i used my Direct Express Debit card ( US TREASURY SSA PMTS ) to withdraw {$400.00} which incurred a {$12.00} international transfer fee, as well as a {$3.00} ATM fee. the first attempt errored, and no cash was dispensed. we talked to the bank, who admitted the machine had a problem, and just to try it again. we did, and successfully got the money. where the problem was, came from the fact that the first attempt did a pre-authorization, costing us a double debit against the card. 

we contacted the bank again, and got the printout proving that their system at XXXX " XXXX '' had indeed credited back the account within 2 hours of the error. ( ATTACHED ) We called into the call center for resolution as this still had n't credited back by the XX/XX/XXXX ( ruined our XXXX, as the money was for the gifts ) they said it usually took 30-45 days. but they would investigate. 

on XXXX XXXX we received a " credit back '' and we therefore felt this had resolved. 

on XXXX XXXX, we suddenly lost {$400.00}, with fees of {$3.00}, and {$12.00} respectively. When i called customer service, to find out what happened, i was informed this was done by the level 2 resolution center. and after explaining to the person that they needed to stay attached to the call until the system properly transferred, or the system would drop me, the agent ( XXXX ) became argumentative, and hung up ( this happens a lot, look them up in the BBB in Texas, they have an F rating ) i then called back in and finally made it to level 2, where i learned the payment on XXXX XXXX was a " temporary " credit, and it had been pulled back. they said they sent a letter, but no documentation ever showed either on the filing XX/XX/XXXX or the " credit '' issued XXXX XXXX, XXXX they still have not resolved the original error from XXXX XXXX. 

when i explained all this to the level 2, he became argumentative, so i asked for a supervisor, who became threatening. they would do nothing, so i asked for a phone number for corporate, which was refused, they only offered a fax number, and when i asked for the name to adress it to, such as their CEO, or Lawyer, i was told they ca n't give that information out due to requirements of the SSA, all i want is my money back that is due, but it seems clear they intend not to deal with it. 

today is the XXXX of XXXX, almost 3 months since the error documented in their own records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH   XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC   XXXX XXXX XXXX  XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a XXXX purchase ( CA ), with affirm and returned items a couple days later. XXXX continued to charge. I didnt pay. XXXX issued me a {$.00} refund. The total was {$2500.00}. I have disputed, failed. They say the info is accurate. A few months later, they sell the debt to XXXX. They marked my credit as a charge off. I called because that has precluded me from buying a home. I called affirm yesterday, spoke with XXXX in XXXX XXXX ( what I was told ). I asked for a manager, I was told I have to call back and ask for one, then she said shes the manager, then she said no one is here. I never received ANY letter stating they are charging it off ( XX/XX/XXXX ). XXXX told me that its my responsibility to police XXXX. How? I made the returns, the erroneously issued the credit for {$.00} instead of {$2500.00}. XXXX said I returned {$.00} worth of stuff. Thats wrong. So XXXX  said that affirm says its valid. Now I can not buy a home. My credit is pristine. I will not pay for something I returned. {$2500.00} is a lot of money. This is nuts. I was denied access to affirm leadership, I asked that XXXX please send an email stating the account is not in their possession, denied again. I need this CHARGE OFF removed please. She is aware I have XXXX XXXX children and we do not collect ANY government help. I need to buy a home! I found it and now I can not finance it because of them.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I received a notice from East West Bank that my application was approved for an account through them. However, I never applied for a checking account through this institution. I attempted to contact them through their questions email ( XXXX ), but did not receive a response. This account was opened as the result of fraud.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided. 

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Product: Credit reporting or other personal consumer reports

Experian Credir Bureau is reporting XXXX incorrect addresses on my credit report they are a follows : XXXX XXXX  XXXX XXXX XXXX, TX XXXX second address : XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I have been trying to contact Ally Bank for days and can not get any customer service. Since Ally is an online bank, there are no branches to visit, so this is an urgent problem. 

I have tried calling Ally, but no matter what time of day I call, the hold times are over an hour with no option to get a callback. Nobody can be expected to wait on hold for that long. 

I have tried sending Secure Messages in the Ally app, but nobody has responded. I have sent XXXX messages since XX/XX/XXXX with no response. 

All I need is someone to help get a check deposited. The check has been wrongly rejected twice and needs manual intervention. I can't wait forever to get these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st mortage loan paid in full on XX/XX/2016, balance does show XXXX however payment status still shows as Late 120 days. XXXX balance obviously cant currently be late 120 days. Hudson City Savings Bank is the lender that appears on my credit report however they were bought along with the mortgage loan by M & T Bank. M & T Bank is the one that got paid when home sold. M & T for some reason refuses to update payment status to " Paid. ".
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Experian well not allow me to sign up or allow me to speak with someone to resolve the issue.
Product: Debt collection

The complaint about Avante usa, To day I got a threatening message for a company who wouldn't identify them selfs but said they represented a for so legal network there telephone number is XXXX talked to a woman named XXXX who told me that Avante usa is filling a law suit against the a lot a fribulus federal chargers agints me. Let 's keep it real this is retaliation for all the complaints I filed. I'm going to refer to Court case Michaelis nursery vs commissioner and Buchner vs commissioner judge ruled since it's considered income it can be written off and the person owes nothing. 15 u.s.c. 6802- refer to ( a ) -obligations with respect to disclosures of personal information. It was illegal for Avante usa to even have. I've never gotten a notice from Avante usa. I did know who they were till I called XXXX  XXXX, and XXXX XXXX confirmed that the debt was written off. 
15 u s.c 1692c - communication in connection with debt collections. Refer to ( a ) - debt collector may not communicate with consumer in connection with a consumer in connection of any debt. When I called Avante usa I tried to tell them all this and the lady didn't want to listen and hung up. What throw me in federal custody and harm me??? I want an fbi investigation 15 u.s.c 1611 false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX