23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

XXXX. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

XXXX. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA. 

XXXX. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, XXXX, XXXX, and Equifax. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

XXXX. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation. 

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against experian for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, affirming the accuracy of the disputed account without providing any evidence of a thorough investigation. This practice constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable and good-faith investigation of disputed information. Furthermore, Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as recently highlighted in the CFPBs administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action to ensure XXXX complies with federal law and provides consumers with verifiable proof of investigation when responding to disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have a fraudulent account from XXXX deleted from my credit report with Transunion for years now ( XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the XXXX and XXXX XXXX XXXX that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Transunion has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.
Product: Mortgage

I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022 I called to request a credit limit increase for my Target store card. The person stated that they don't do manual reviews for increases, but could note on my account that I wanted an increase and I would be notified in 3+ months. On XX/XX/2022 I received an email stating that as of XX/XX/2022, my limit was increased to {$250.00} and was available to use. Despite this, my limit remained at {$200.00}. On XX/XX/2022 I called card services and was told the email was wrong and it would update after my next statement posted. My statement has posted and it still shows a {$200.00} limit.
Product: Credit reporting

the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.
Product: Mortgage

My mortgage payment is slowly increasing on a yearly basis and the reasoning is taxes increase and homeowners insurance. The homeowner issue has been resolved but the tax issue has not. I spoke to the tax assessor office and they stated that my taxes had not increased if so it would have only been for {$50.00} and that was last year. My payment started at XXXX, now it is XXXX approx. I have been requested to send yearly checks for shortage as well in the escrow account according to them.
Product: Debt collection

So, these XXXX contacted me about a debt. They wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) today about it being from XXXX XXXX. Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for sneakerheads YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe SIMM Associates or XXXXXXXX XXXX a XXXX. Stop harassing me. 

I even attached a screenshot of an email of them begging me to apply. Stop playing with me, SIMM ASSOCIATES. You not fooling people with your fake XXXX XXXX rating but over XXXX complaints with XXXX star reviews and stories off XXXX harassing people who are NOT the debtor you seek. Your XXXX rating needs to be an XXXX, right along with XXXX.
Product: Debt collection

I was retired 10 disputes incomplete. Credit bureau could not have validated any of the factual incorrect items disputed. Some companies were listed up to three times with the same account number. I requested physical proof as well. A replica of the sent dispute is attached herein. And I don't feel I honestly need to provide any more proof. If anyone looked at the report they would see two or three companies with the same numbers dates without even going into detail for other factual information
Product: Debt collection

Capital one says I owe 2 credit cards in the amount of {$940.00} and {$1100.00}! If they dont get these off my credit report. I will sue them for false reporting.
Product: Student loan

My employer sent in a Employment Verification Form to verify PSLF employment toward PSLF credit toward forgiveness. Mohela processed the form according to their records on XX/XX/year> but did not update my PSLF counts for XXXX XXXX XXXX. XXXX XXXX is a confirmed XXXX XXXX XXXX and approved for PSLF. There is no reason these counts were not updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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 administrative proceedings ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate :XX/XX/XXXX
Product: Debt collection

Last negative report date was XXXX, XXXX 2022 and the account in question is about 5 years 2 months old from that date, I checked the address for the debt collection agency, XXXX XXXX XXXX, # XXXX is no longer in business and the XXXX  has it as a non accredited business.
Product: Bank account or service

Bank of America does not allow cash deposit to be posted to the account one deposited after XXXX through the ATM, but they are allowed to post checks and other payments after XXXX resulting in overdraft fees. For instance on XX/XX/2017 my account went into overdraft by XXXX bucks, I deposited XXXX bucks into my account at XXXX to bring my account balance to XXXX bucks. Low and below I got an alert saying saying the my account fell again to XXXX bucks after XXXX due to a monthly payment that I forgot but was unable to do anything about it since as I said earlier that cash deposits after XXXX are counted for the next day. I was subsequently charged XXXX overdraft fees totaling XXXX bucks because of there posting practices.
Product: Credit card

My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! 
This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. 
They lied to me. My score is down. Lender will punish me with higher rate and worse terms.
Product: Credit card

On XX/XX/year>, I visited a TD Bank branch to deposit {$25.00} into my husbands account, a routine transaction I have completed many times without issue. However, the teller, XXXX XXXX, refused to process the deposit unless I provided my Social Security number, despite already having my drivers license. After complying, she mishandled my sensitive information by discarding my Social Security number in the trash rather than returning or securely destroying it. This incident violated the Gramm-Leach-Bliley Act ( GLBA ), exposed me to identity theft risks, and involved discriminatory treatment, as other customers were not subjected to similar demands. The tellers actions were unprofessional and caused significant distress. I am requesting disciplinary action, a formal apology, improved staff training, and assurance of measures to safeguard customer information in the future.
Product: Checking or savings account

Chime Bank which is owned by XXXX said I violated their user agreement by depositing and then quickly transferring my money back out to a different account and asked me to provide a valid ID and proof of income which I did. They have my account locked and had been since XX/XX/2022 and they will do anything about it. Ive asked them to close my account and mail me a check of the funds I have In their bank or reactivate my account so I have access to them again and this is had been going on for over 6 months with no resolution.
Product: Checking or savings account

So I have been noticing money slowly being taken out of my account. Also on XX/XX/2023 I made an transfer for {$4000.00} and was only allowed to use XXXX so I sent {$1500.00} back to my account and now I cant find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations XXXX  breach In XX/XX/XXXX, XXXX announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX they remove it and put it back on with out notifying me first Texas XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle with Us Auto Sales back in XXXX of XXXX. During that time i was making timely payments on my vehicle on the days that we agreed i would make my payments on. I was never late or never got behind with any of my payments. In XXXX of XXXX  i found out Us Auto Sales abruptly closed without letting me know they were shutting down. In XXXX of XXXX  i found out debt collector, Westlake Portfolio Management, said they were taking over for Us Auto Sales. I did my research and Westlake is not my lien holder for my car because it still states Us Auto Sales is still my current lien holder for my vehicle. XX/XX/XXXX of XXXX, i woke up in the morning to find my car gone. Westlake put an order out for my car to be repo without any notice to me or anything, but my car is gone. When speaking to Westlake i asked if they had any type of contract i had with them, but they cant produce a contract because I never signed a contract with Westlake Portfolio Management. Even now speaking with Westlake going forward trying to find the vehicle because i have personal items i need to get out the car, they keep giving me the run around on where the car is located and that is against the law. Both Us Auto Sales and Westlake are scamming and illegally taking folks cars because Us Auto Sales technically didnt have a selling license in the state of Georgia since XXXX  and for them to still be able to sell cars all these years after is basically wrong.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received calls from a XXXX at Wells Fargo looking for a relative, lied to me to try and obtain information that I did not have.
Product: Mortgage

On XX/XX/2024 I received notice that my XXXXender, PennyMac Loan Services, failed to pay my homeowners insurance resulting in them starting the cancellation process. After over an hour on the phone, I was told that they sent the payment to the wrong company. 

Additionally, PennyMac had failed to pay my county and school taxes properly at least 2 times in the past, resulting in debt collection notices from the county. 

On XX/XX/2024, I called to follow up on my unpaid insurance and ensure the issue was rectified. I was told that my mortgage payment is now increased from XXXX per month to XXXX per month. 

The representative explained to me that they had mismanaged my escrow account. They explained that my account was negative over {$11000.00} dollars. No one had ever reached out prior to me finding this on my own. Not once was I ever notified that my escrow account was being mismanaged or in the negative. 

PENNYMAC is now attempting to collect this debt from me although I trusted them to manage my escrow funds and pay my taxes/insurance promptly. Had I known this would be an issue, I would have managed my own escrow account. I do not believe it is moral or ethical for them to nearly double someones mortgage because they can not manage funds properly. As soon as someones escrow account becomes underfunded, they should be reaching out to address the issue, instead of waiting 2 years until the debt reaches over XXXX XXXX 

I am a XXXX XXXX XXXX American veteran. This is going to put a large strain on my family. I feel PENNYMAC should be held accountable for this shortage. They will not allow me to manage my own escrow account until the debt ( that they created ) is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Ch XXXX bankruptcy on XX/XX/XXXX. I received a discharged from US. Bankruptcy Court XXXX  District of Virginia on XX/XX/XXXX. In my bankruptcy creditors list my attorney submitted to the court included all accounts with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), in XXXX   VA. XXXX  and XXXX reported my accounts with XXXX XXXX `` this account is included in Ch XXXX bankruptcy '' that is correct. But Equifax reported this same account " charged off {$12000.00} '' and account open date :XX/XX/XXXX ( after bankruptcy discharged date ), type of account is unknown, monthly payment is unknown, high balance is unknown. I disputed this incorrect account reported by Equifax at least 6 times but Equifax never changed the results. My main point is a same account status, XXXX  and XXXX reported correct " this account is included in Ch XXXX bankruptcy ''. Equifax reported " this account charged off with balance of {$12000.00} ). I requires Equifax should change the status of my account to " this account is included in Ch XXXX bankruptcy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I found unknown inquires from XXXX XXXX on both my Transunion & XXXX  report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to TransUnion & XXXX  to confirm confirmation of removal. Both XXXX  & TransUnion have received nothing from XXXX XXXX as of XX/XX/2021. XXXX  stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. TransUnion has reiterated the same statement as XXXX. I have called numerous times to XXXX  to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.
Product: Debt collection

Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offic e. Press 1 no w to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates (   http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : AAFCU Account Number : XXXX Account Name : MOVEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.