23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

On or about XX/XX/2023 an agreement between myself and Wells Fargo Preservation Department agreed upon a 3 month Loan Modification and I was told that my house will be out of Foreclosure. However this was nothing but a Fraudulent Lie because as you can see in the attachment despite me keeping my word and paying the first Trial Payment. Wells Fargo fraudulently misled me and kept my residence on the Sheriff Sale list with a new date XX/XX/2023. Then the Preservation Department sends me an email claiming that theres an issue pertaining XXXX XXXX to whom is the other 50 % owner to whom theyre trying to cover for forging my name on the note and forgery on an {$18000.00} Refinance Check. Yet hes been missing in action for the past 18 years and didnt even attend his wifes funeral. Also Wells Fargo continues to harass me by sending mail here in his name after knowing the fact that he doesnt live here. And since theres an issue with the Mortgage Title then Wells Fargo shouldve informed me prior to this XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2600.00XXXX XXXX Inquired on XX/XX/XXXX ONEMAIN Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am submitting this complaint regarding Pioneer Credit Recovery , Inc., whose debt collection practices have caused me significant economic hardship and emotional distress, in direct violation of federal and state laws. 

On XX/XX/2025, I received a collection notice from Pioneer Credit Recovery regarding an alleged debt with the Department XXXX XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I submitted a written dispute on XX/XX/2025 by certified mail, which Pioneer Credit Recovery received on or before the stated deadline of XX/XX/2025. Despite this, the company has continued its collection efforts, including pursuing wage garnishment, without providing the legally required debt verification. 

I have made good-faith efforts to resolve this matter directly with Pioneer Credit Recovery . However, their ongoing harassment, coercive tactics, and refusal to comply with the FDCPA have left me with no choice but to seek legal remedies. These unlawful actions have caused me severe economic hardship, further compounding my financial difficulties. 

I respectfully request that the CFPB ( Consumer Financial Protection Bureau ) investigate this matter and take appropriate enforcement action to : 1. Cease all collection activities and wage garnishment by Pioneer Credit Recovery until the debt is properly validated.

2. Hold the company accountable for violating the FDCPA and applicable consumer protection laws. 
XXXX. Protect consumers like myself from coercive and unlawful debt collection practices.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX falls under XXXX according to XXXXDebt final rule XXXX ( b ) XXXX. XXXX ( b ) ( XXXX ). Please block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a debt bondage victim and would like all listed accounts to be blocked and deleted company information Transunion. Please delete XXXX XXXX bal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Dept ED XXXX XXXX bal. XXXX, bal. XXXX, bal. XXXX, XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. XXXX, bal. 
XXXX, bal. XXXX, bal. XXXX, XXXX ) are all student loans. I see the separate sheet for accounts. I have attached a copy of the FTC # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from debt bondage.
Product: Mortgage

We asked, and presumably, received a pandemic forbearance XX/XX/2020. We paid principle and escrow, yet the lender, Caliber Home Loans would not send us performance information. Such what was applying to the loan and what we needed to do. In XXXX, we asked how we needed to catch-up, and received no reply. We lost about {$10000.00} of income because the COVID 19. We began to make larger payments then received an offer for a loan to cover the arrears. This loan, by the way, was a similar amount to excessive escrow we'd accumulated with our previous lender. Escrow we've asked about since it was part of a Lender Credit in the new loan. Now, the lender Caliber Home Loans has placed us in collections. We've called, forty minutes one day, twenty-five another on hold telling us of unusual wait times. Now we can not access our account saying we can NO longer make payment over the phone, etc. Our bank records show all the money we've sent has been cashed, etc. A payment of {$800.00} was recently sent and may not have reached their remote processing center.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXXXXXX. I informed Experian that this is not my account and somehow, they claimed that it was verified. Furthermore, the account has discrepancies between the 3 bureaus. Experian is reporting 18 late payments while XXXX reports 17 late payments. XXXX reports that this account is paid off, but Experian is reporting that this account is 45 % paid. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX Transunion has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX  # XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a long time customer of Citi with an excellent payment history. Last XXXX I purchased a home and I needed to use my credit cards for some time until I received my bonus this XXXX. I knew that I would be able to pay the debts I was accumulating, and I was paying on time and the correct amount throughout all of this on all of my accounts. When I received my initial bonus I paid down my cards significantly - XXXX on one card and XXXX on another. As soon as those payments cleared my credit report was hit, my credit limit reduced by the amount I had paid, and my XXXX XXXX negatively impacted by the overall reduction of credit. The percent utilization of credit should have significantly reduced, particularly since these were not the only cards I was making significant payments on ( I paid another XXXX on a different card ). There was no reason to execute this action. I called Citi and attempted to resolve the problem and get my limits reinstated, and even after escalation I was told that there was no point, that it was their policy to do this to their customers and my limit would never be reinstated. I attempted to resolve this through a dispute through XXXX, since they told me to take it up with XXXX, but Citi ignored my argument and just confirmed that the information regarding my account was accurate. Let me repeat, I am a long time cardholder in excellent standing - the only thing I did was utilitize the credit I had been given, and then paid down the balance in a large lump sum! Why should I be punished with a credit limit reduction for that with no cause whatsoever to take any action. My credit score has already increased because of the other payments I have made, and would be even higher had Citi not reduced my credit limit so dramatically. I simply want my credit limits reinstated in my cards. 

I will note that I have seen XXXX  complaints about this exact situation and Citi makes no attempt to work with their customers on this issue.
Product: Vehicle loan or lease

I reached out to Credit Acceptance in XXXX of XXXX stating the retail installment agreement was invalid as there were many violation per 15 USC. I received a email from XXXX XXXX requesting a call to her to resolve. I later received a letter stating that all of the documents and reasoning I sent as to why the contract was invalid would not be upheld even though the laws stated the violations. No where in the contract does it say I can rescind at all. I then sent a cease and desist and requested to rescind the vehicle, after researching I found that not only was I not given the option to rescind 15 USC 1635 but I was violated as the dealership requested a down payment 15 USC 1638, the amount of {$2800.00} was added to the total but that was also subtracted from the down payment. The down payment took the total to {$32000.00}, how is a down payment added to the total of the car, shouldn't that be deducted if anything? The finance charge was {$11000.00} which should have been the sum of all charges per 15 USC 1605. The transaction was cash and credit which was unlawful per 15 USC 1638. The insurance should have been included in the finance charge. The vehicle was said to been sold for a little over {$8700.00}, leaving me still owing {$6700.00}. Per XXXX XXXX the car was only worth $ {$9500.00} on XX/XX/XXXX of XXXX Credit Acceptance along with XXXX XXXX have violated laws pertaining to this contract/ car transaction.
Product: Debt collection

I received a letter from Pro Collect regarding an apartment that was rented in XXXXXXXX XXXX using my information. I have never been to XXXX, nor would I rent an apartment there as I own my home in Illinois. This is yet another incident of someone using my information to rent an apartment in XXXX. I thought all this was cleared up two years ago. I have sent the police report and a copy of my driver 's license to Pro Collect. The amount is {$3100.00}. The person lived at this XXXX XXXX from XXXX XXXX until he/she was evicted in XX/XX/XXXX. 
Please help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The interest is more than I expected I thought it was 20 percentage it's a lot more 129 percentage
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX  XXXX I have no idea what they are talking about as this was fraud and never authorized by me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding the inaccurate reporting by Transunion on my XXXX XXXX/XXXX. The last CFPB Complaint, Transunion responded that the imformation disputed was not reporting on my credit report. Transunion have violated the FCRA sections 1681i, 1681e ( b ) and 623 by not doing a independent investigation and continually reporting this inaccurate account on my credit report. Again these are the inaccuracies that Transunion verified as accurate and I'm providing proof that my claim is valid. Please review Documents : Doc 1 shows my Transunion credit report and this inaccurate account. 
Doc 2 show my payment history, more specifically, I made my last payment on XX/XX/XXXX XXXX on this account. Therefore, Transunion is misreporting the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in my payment history/rating. This reporting is highly damaging and inaccurate, so how can Transunion verify this account over and over again as accurate??? Doc 3 shows and proves that I reached out to the creditor and that fasley stated that this account is reporting accurately. Doc 4 shows a court document that proves the date closed on this account is on XX/XX/XXXX, not XX/XX/XXXX as Transunion is reporting and verified. Doc 5 shows that Transunion verified this account as accurate even though it's not from my previous dispute. Doc 6 show how my Transunion FICO XXXX score is significantly lower than XXXX and XXXX. How is the fair??
Product: Credit card

This is about the inaccuracy that is inqeuitably furnished by your organization on my XXXX Report. I came to know about this XXXX  on XX/XX/2024. Due to this XXXX, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with American Express. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I have multiple credit cards and when I contact my credit card companies I have been notified there were multiple cards sent out under my Social Security number thats attached to my cards without my permission I am a victim of identity fraud I even contacted the federal commission I have been trying to get this to stop however it seems like every time I put a report in I discover something else is going on. Ive had credit cards stolen and used and linked to without my permission. Thats just also includes the investment I was using the app for XXXX and I requested a refund of my money and instead of the refunding it they diverted it to a different type of currency been an ongoing thing for several months.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/09 I spoke with XXXX at XXXX XXXX and advised her I'm having an hardship and will be out of work long term with no income. XXXX didn't offer any options or empathy. In a very condescending tone she advised she had nothing to do with me being out of work, that has nothing to do with her. I should not have borrowed the money from them in the first place and I need to borrow the money and I better have the money by the XXXX or else. I advised I was recording her she said what is that going to do she don't care and she hung up in my face. I was distraught so I proceeded to call my daughter in law. My daughter in law called and spoke to XXXX asked questions about the loan and asked what options do their company offer to help consumers that lost their jobs? XXXX advised a XXXX month extension. My daughter in XXXX advised my situation will last longer and asked what are the next steps? XXXX advised her assets will be picked up and if she didn't give it to them she is going to jail. My daughter in law advised XXXX she can not say that, that is unfair debt collection XXXX then advised she spoke to the judge and XXXX XXXX said she going to jail as well. My daughter in law advised her company is practicing unfair debt collection she started laughing and hung up we tried calling back and was constantly being hung up on, So my daughter in law called a XXXX XXXX  in XXXX XXXX advised what happened they advised a district manager would return my call, no one has called. The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt XXXX to use abusive, unfair, or deceptive practices when they collect debts. XXXX is definitely in violation and I have a witness that heard every word she said.
Product: Credit reporting

XXXX XXXX was completely paid off, not just charged off. This shows as negative item on my credit report. The bill was paid in full, and I switched to XXXX 's competitor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not removed 30 day late due to national disaster AMERICAN CREDIT ACCEPTANCE has stated on credit report due to national disaster XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated