23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2020 I noticed a collection on my credited report from Sentry Recovery & Collections for two different amounts {$1100.00} and {$1100.00}. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter  XXXX  Bankruptcy in  2005 . Case  XXXX . The bankruptcy was  discharged without a reaffirmation agreement. Bank of America is aware of this. They continue to report the mortgage account when it becomes delinquent as if I owe the money. They are able to foreclose if the loan is delinquent but they can not pursue for money damages. They should not be reporting that I owe them money or collecting on a debt that was discharged.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

I filed report with XXXX XXXX  in XX/XX/year>2025 about fraudulent credit card in my name, it was confirmed as fraudulent and stated they would remove it from my credit history. I received the letter stating it is fraudulent and previously filed a complaint with cfpb and they also confirmed fraudulent. I have filed disputes with all three credit bureaus multiple times and they keep reporting it as accurate and not fraud, therefore my credit score is still extremely inaccurate. I then contacted XXXX again in XX/XX/scrub> 2025 and was informed that there was two letters on the account sent out with opposing information - one letter stated fraud and one letter stated as accurate. Therefore the credit bureaus are stating it as accurate as well. I contacted XXXX again and XXXX stated they fixed it, again, however the disputes are still coming back as accurate and not fraudulent and my credit is still suffering from it. Can the accurate and correct confirmation of fraudulent activity and report be sent to the credit bureaus to clear my credit history?
Product: Credit reporting

Transunion will not allow access to my report at all. Attempt has been made and now Transunion blocks all attempts to obtain or see any report. They only try to bully me to pay money to get a report. They claim I already have had a report which is a lie and false. They need to be fined for this and found illegal and non-compliant. The public does n't have time for these stupid illegal games they play. I need to see and correct false info. and see what has been reported here. I do n't have a lifetime to wait and pay for.
Product: Credit reporting or other personal consumer reports

TRANSUNION CONSUMER RELATIONS, is reporting incorrect information on my credit report dated XX/XX/XXXX. The following INQUIRIES have not been authorized by me. 
Have contacted TRANSUNION to have these inquiries removed from my report without any success. Contacted the companies reporting this information, and they not have these requests in their system. 

INQUIRY from XXXX  XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX  on XX/XX/XXXX INQUIRY from XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX  on XX/XX/XXXX
Product: Checking or savings account

I have a savings account with American Express Bank that has been open now for many years. Lately, because of severe incompetence of their staff regarding a checking account, they have restricted my savings account, too, even though that account was never at risk. 

I called and ordered the savings account closed and the balance transferred to one of my external accounts which has been on file for a long time. The representative stated it would be done. The next day I received an e-mail stating they would not do that. I was told I must communicate with their banking operations department. 

I called their banking operations department and went through several identity verification requests including a code sent to my cell phone. Then the representative stated I needed to upload a copy of my state ID using a system they subscribe to called, XXXX, XXXX. I uploaded a copy of ID and on my end the process was shown as successful. The bank representative, however, stated it was not. We tried again several times and on my side it always said successful, but in her side she said it was not. 

Obviously their system is a failure. 

The representative stated the only other method to close my account was to send them a notarized form. I am currently overseas and, even if I weren't, there is no such thing as a free notary public. I would have to pay to get the money American Express is trying to steal from me. 

I want that account closed and do not want them to steal my money. I want it sent either to the XXXX external account on file or sent to me as a paper check. 

The CFPB should not allow American Express Bank to invent stories to steal a customer 's money.
Product: Checking or savings account

I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available, as promised twice. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 

I then went to a nearby BofA branch and was advised to call BofA, which I did. I spoke with XXXX, then her supervisor XXXX, and supposedly a manager by the name of XXXX. XXXX has NO customer service skills and was unfriendly and shoved me off within seconds of my " conversation '' with her. At no time did she apologize or work towards a solution, even after I told her that I would contact both the California and FederaXXXX regulators for assistance. She obviously could care less. 

BofA had promised me ( twice ) that the funds would be available on XX/XX/XXXX. Yet now they are claiming that it will be more than ONE WEEK before the {$30000.00} will be available! This is clearly a bait-and-switch and a breach of an oral contract. 

BofA is using my {$30000.00} check to them as part of their float, at my expense. Additionally, I was unable to make a promised legal payment, using a wire transfer today, which was the deadline. This nearly cost me one of my homes due to not having the promised funds by BofA. They gave me an e-mail to BofA which was no good ( it would not go through after several submissions ) and they told me that someone would be contacting me and they never did. 

BofA 's failure to honor its promises is despicable. This is the second time that BofA has caused me tremendous financial problems during the past year!!! They apparently feel that they are " too big to fail ''. 

I await your remedy to this fiasco that should have been corrected by BofA management, yet wasn't. Thank you for your assistance.
Product: Mortgage

On XXXX XXXX, 2017, my Mortgage # XXXX serviced by Seterus Inc. was paid in full. There was an overpayment made by XXXX XXXX as well as residual in the established escrow account. I had requested that Seterus to return the funds back to me immediately. They refused. They then advised me that they do have up to 30 business days to get the funds back to me and there was no way that they would try to assist me further. This is their policy and that is it. Numerous calls to their company requesting to speak with the refund department personnel or department head was denied. This behavior and unacceptable because I was advised that the funds would be returned back to me within a week. 

Written confirmation correspondence to expedite the return of funds, twice, led to a form letter which dis not address the complaint. They have not been responsive to my additional inquiries or confirmation of final figures on the overpayment of my mortgage loan. 

Seterus has a long history of not dealing with their customers fairly and in a timely manner. There was been numerous lawsuits on their improper conduct and unprofessionalism.
Product: Vehicle loan or lease

THIS IS NOT A REPEAT OF MY OTHER FILING AGAISNT THIS COMPANY, THIS ARGUES AGAINST ENTIRELY DIFFERENT ASPECTS OF FIRST INVESTORS. PLEASE DO NOT REMOVE OR DELETE THIS!! 

I called First Investors to make a payment on my loan : -I asked them why in the world after I redeemed my vehicle and am only one payment behind are you trying to take my vehicle? I was told " It appears that your account has out been updated and this can take several months. '' I was this very hard to believe since this loan was redeemed almost two months ago and in this age of internet and electronic push button databases. Why the on purpose delay? 

-I was read some biolerplate legaleze statement after I paid my $ XXXX  monthly payment. " Repossession can stil occur, please call us immediately if this occurs. '' Used vehicles in this economoy are held in higher value with inflation. It is my belief that is a veiled attempt to form a constructed repossession, poor customer service, and displays their motive in wanting to act in bad faith to steal my property and delay/stall tactics to push for the auction/sale of the automobile and to find a way out of their loan agreeement with me. 

-They furthermore act in bad faith by not updating my customer web portal account. I was free access to my account so that I dont have to get verbaly berated and abuse by their call center staff. 

-Finally, First Investors has another aspect of cosntructive repossession : They only have four hour phone access to their customer service during a weekday, limited to one time zone. This is to create a burden on the consumer and increase the opportunity for a tow truck third party to steal people 's vehicles and then not give the consumer a decent chance to redeem and cure any late payments.

These deceptive business practices/acting in bad faith needs to change - CFPB need to place sanctions through the Court to bring First Investors into consumer law complaince.
Product: Debt collection

I never received mail at my address. Never received an email or phone call. Never entered an agreement with this company. I do not know anything about this debt.
Product: Credit card or prepaid card

I had a gap visa account with synchrony bank. I had received a call saying there my be fraudulent charges on my account and a letter saying my address had been changed. This was on XXXX. I called to say that I had not made any change of address and that there were fraudulent charges on my account. They would not change my address back to the correct one because they said security information did not match ( my address hasnt changed in 15 years ). They also told me that I needed a statement to dispute charges. I had called three times to dispute the charges. The statements were sent to the new address, so I had nothing. After my bill was past due the company called and changed my address back to what it should have been without any security information. I finally received a statement on XX/XX/XXXX. I called synchrony about the charges, the charges total XXXX. On XX/XX/XXXX I called and spoke to XXXX who said that a fraud claim would be started and I would not be responsible for those charges. I called back on XX/XX/XXXX to check the status of the claim and they said they had no information on a claim. I was then transferred to XXXX in the fraud department who said that a claim was started and I should get a letter with the outcome in 90 days. I called back on XXXX and the charges remained on my account. I then sent a letter to the company explaining my situation. I called back on XX/XX/XXXX and spoke with XXXX who told me that within 60 days I should have a letter on charges. I have not received any letter. Synchrony bank has transferred that portfolio to XXXX now. I was sent a statement from XXXX for the amount. I called them and they said due to the time frame they could not do anything with the charges. The lady from XXXX joined me in a call to Synchrony to try to resolve the issue but Synchrony said there was nothing they could do about it. They have no record of my account because all information was given to XXXX.Please help me. I did continue to pay off the charges I had made, because I didnt want it to hurt my credit. Thank you In the attached files, those charges with marks beside them are ones I did not make. The address on the statement is also not my address.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Student loan

I am a graduating XXXX student, looking for a loan for XXXX costs and living expenses. I found the Wells Fargo loan and went through the initial process to find a loan. A loan was returned, offering a variable APR of 9.76 % and a fixed rate of 10.89 %. I clicked " Apply Now '' and went throu gh the process of putting my info in. It populated their required disclosur es in another window, where the variable rate showed 10.24 % and the fixed rate was 11.49 %. I called Wells Fargo to figure out what the real rate was and explained what I saw as a " bait-and-switch '' tactic ( assuming no one actually reads the disclosure statements ). The agent was very nice, but had no explanation, saying he would " Send it over '' and have " them '' look at it. Given the REALLY bad press Wells Fargo has gotten recently, you would think they 'd be a little more conscientious about their conduct.
Product: Credit card

I signed up for paperless billing, but never received any notification that my credit card statement was available.
Product: Mortgage

Hi, this complaint is regarding my home loan with Mr. Cooper, loan number XXXX. 

On XX/XX/XXXX I went online to pay my monthly mortgage payment with Mr. Cooper ( my mortgage company ). I noticed an unexplained bill on my account dated XX/XX/XXXX in the amount of {$620.00}. It appears to be two charges on the same date-one is for {$500.00} and the other is for {$120.00}. The only information posted about this bill on my account says " lender paid expenses ''. I called and spoke to the Mr. Cooper when I noticed it and asked what the charges were for. The first time I called I was told it was related to a bankruptcy on my account ( I did file a bankruptcy in XXXX and this has been discharged in early XXXX so this could not have been related to a bankruptcy ). I was unable to get any other information so I called Mr. Cooper again on XX/XX/XXXX. This time I was told it was because my house was vacant. My house has never been vacant at any time since I've owned the property in the last 21 years. Again I was not provided any other information so I called Mr. Cooper a third time on XX/XX/XXXX. This time someone was able to find an actual bill in the amount of {$620.00} ( the bill has been attached ). The bill is dated XX/XX/XXXX, from a company called XXXX XXXX XXXX XXXX. The bill clearly states that I have been charged some type of fees for vacant property registration ( one for {$120.00} and one for {$500.00} ). Again my property has never been vacant at any time in the 21 years I have owned it. 
I tried calling both phone numbers ( phone and fax ) that were listed on this bill, and both numbers are disconnected/no longer in service ( feel free to call yourself to verify ). I also can not find any information on the XXXX XXXX XXXX at the address provided on this bill. I asked if Mr. Cooper could investigate the validity this bill. I did receive a notice in the mail dated XX/XX/XXXX from Mr. Cooper regarding the bill. The letter states without any further explanation that " the lender paid expense balance is valid and was assessed to the loan in accordance with the loan documents and our servicing requirements ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this debt in the amount of {$1100.00}. I never received a debt validation notice and no one never contact me. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I sent a letter to Credit Bureau  but I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX  within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/2020