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

I had ( 2 ) Capital One credit card accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of Capital One providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( XXXX ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

RESURGENT CAPITAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows an address that is not my address. During the time of the account being opened, there was identity theft attempts. I made attempts during the time of the account being opened to correct the address both through online customer portals and with customer representatives, but the correct address was never reflected. The account has since been closed and paid in full.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Aldridge Pite Haan , LLP '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " the XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ite
ms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than

seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am filling a complaints XXXX for falling to properly Investigate my dispute regarding Inaccuracies In my credit report that despite my submissions, XXXX Consistently response within 24 hours stating the account is accurate, without providing any evidence offered through investigation that this practice violates for fair credit reporting a Act ( fcra ) XXXX15 U.S.C S1681i Which mandates A reasonable investigation of disputes that furthermore, XXXX action may also contravene The Consumer Financial Protection Act ( CFPA ) ,12 U.S.C S S 5536 ( A ) ( 1 ) ( A ) - ( B ) Is a highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) Against them for similar violation that I request that the CFPB Take action to ensure XXXX compliance with federal law and provides consumer with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Money transfer, virtual currency, or money service

A friend of a friend sent me two {$30.00} transactions via Zelle around XX/XX/XXXX. I never questioned the transaction, believing it to be just another casual exchange. Little did I know that this would trigger a chain reaction that would upend my financial stability. 
One day, I logged into my XXXX XXXX account, only to be greeted with a chilling message : " Your account has been closed. '' Panic set in as I scrambled to understand why. XXXX XXXX provided no clear explanation, leaving me in the dark. Desperate for answers, I contacted their customer service, only to be met with vague responses and outright denial of any previous correspondence regarding the closure. i was told that Zelle did an audit on my account and found that the {$30.00} sent to me was sent through a fraudulent account and they've decided to close my account so XXXX XXXX Closed my accounts Determined to uncover the truth, I turned to Zelle on XX/XX/XXXX, the platform through which the fateful transaction occurred. I could reach no one It felt like a punch to the gut. How could a small amount of money lead to such drastic consequences? Moreover, why was I being punished for something beyond my control?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX  XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this Debt with Colonial Auto Finance and it was agreed after settling for a lesser amount it would be removed or marked as paid in full. However much like their vehicles they conned me again with their broken promises.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX  XXXX {$880.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$860.00} opened XXXX ; XXXX XXXXXXXX XXXX {$660.00} opened XXXX ; XXXX XXXX  XXXX XXXX {$500.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Experian. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Experian is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and I didnt give them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is appearing on Experian report. This is NOT my bankruptcy and I did NOT file it. Please remove it
Product: Mortgage

In XX/XX/XXXX, we originate a conventional home purchase loan with 5 % down with XXXX XXXX, purchase price {$560000.00}. In XX/XX/XXXX, we made a {$210000.00} principal payment and requested a mortgage recast and paid a {$250.00} fee. During a phonecall confirming recast details, I verified that this would reamortize our loan and bring the XXXX to 55 % and remove the PMI. In XX/XX/XXXX, our new payment began but they continued to collect the PMI unknown to us. The loan was sold to a new servicer Roundpoint mortgage in XX/XX/XXXX and they also continue to collect the PMI until I noticed the issue XX/XX/XXXX. After a phonecall, Roundpoint promptly has removed the PMI for future collection. 
XXXX has been extremely unhelpful, claiming that the loan is now closed and that we should have made a request in writing to remove the PMI. We dispute that because the loan was reamortized and no servicer would collect PMI on a new loan with a 55 % XXXX, not to mention that I verbally confirmed it would be removed. 
Roundpoint says that because of how the loan was written/sold to them that is why they continued to collect the PMI. It seems like there should have been due diligence done at some point in the process.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding an error in my credit report provided by TransUnion. They are reporting a bankruptcy that is not mine and have put as the data furnisher the United States Bankruptcy CourXXXX XXXX XXXX XXXX XXXX 

I have attached a letter from the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information to credit bureaus or any consumer reporting companies. Additionally, they do not verify or validate any information concerning bankruptcy. 

Despite providing this evidence to TransUnion, they have yet to remove this false information from my credit report. 

This erroneous reporting has had a detrimental impact on my creditworthiness and financial opportunities. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter promptly. The inaccurate reporting by TransUnion violates my consumer rights and undermines the integrity of the credit reporting system. 

I urge you to investigate this issue and ensure that TransUnion removes the account in my credit report without further delay. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

m writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX XXXX XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

The complainant was shocked to hear that Wells Fargo bank alleged without proof that the complainant or XXXX XXXX with last four SSN XXXX claimed that his recent XXXX transactions were fraud made against one of his accounts at Wells Fargo bank with full account number is XXXX account ending in XXXX that impacted account ending in XXXX is now confirmed closed by Wells Fargo bank in retaliation and harassment against his person. 
In a Wells Fargo new allegation without proof it stated : The fraud claim filed for the account number ending in XXXX was for the following transactions : XX/XX/2019 XXXX Online Ads {$77.00} XX/XX/2019 XXXX Online Ads {$22.00} XX/XX/2019 XXXX Online Ads {$50.00} that was Wells Fargo bank own desired to be a claim to justify the retaliatory closure of my account ending in XXXX. 
Wells Fargo must contend to the following : closure of the above referenced account ending in XXXX was never due to XXXX XXXX claim that the above XXXX   transactions Were fraud. 

Or Wells Fargo must provide clear convincing evidences that a claim of fraud for the above XXXX transactions was made by XXXX XXXX. 

Someone is lying here. Where are Wells Fargo proofs of what it alleged? 


Pursuant to the freedom of information and/or the Privacy act comes XXXX XXXX to Request the entire investigative file that Wells Fargo bank has or stores in its database or used that lead to close XXXX XXXX account ending in XXXX. 


The XXXX transactions were about payment for advertising. When Wells Fargo invaded XXXX XXXX privacy and Learn that Wells Fargo bank retaliation against XXXX XXXX is Public now then : Wells Fargo decided to close XXXX XXXX account ending in XXXX in revenge and/or retaliation.this is proven fact. 

Wells Fargo is a criminal corporate or is run by some criminals. Wells Fargo by closing account ending in XXXX assumes full legal and/or criminal liabilities for anything negative that happened or to happen to the complainant. Wells Fargo bank assumes all the legal consequences for its continuous retaliatory adverse actions it committed against XXXX XXXX. 

This complaint is in defense and response to new alleged claims by Wells Fargo against the rights of XXXX XXXX. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction of any kind by him only at any time without any notice and without waiving his rights. 


Thank you, The complainant.
Product: Vehicle loan or lease

My three year Nissan lease expires next month. I have been informed by Nissan NMAC that I must pay : - {$390.00} for a Disposition Fee - {$230.00} Excess wear for three small scratches ( two are on the hubcaps ) The Disposition fee was never disclosed while at the dealership when I signed the lease.

The fee for three small scratches is exhorbitent. It is impossible to drive a car in the XXXX XXXX for three years and not get a scratch on it.

These hidden fees are abusive. Attached is the correspondance I have had with Nissan NMAc to resolve this matter. I would welcome any assistance you can provide me. 

Thanks, XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX I submitted an application to Wells Fargo bank to refi my Wells Fargo 6 % mortgage which I had been paying for 8 years with no missed payments. The balance is {$380000.00} I have an equity loan for $ XXXX am retired with a pensiion and SS for both my wife and myself. I have been paying my bills for over 55 years with no missed payments. My FICA score is XXXX. The house was appraised for {$950000.00} using a Wells Fargo recommended appraiser. The main mortgage which is what I tried to Refi would have lowered my monthly payment from {$2500.00} per month to {$1800.00} .I submitted all the documentation to show that I had sufficent assets in my 401K, IRA 's for both my wife and myself, as well as annuities, personal stock portfolio, US bonds and cash. I submitted all this info in a timely manner as requested, sometimes XXXX times as WF " could n't find '' the information.I have received over XXXX letters from Wells Fargo, sent them over XXXX Emails during this 6+ months time period.I was told by Wells Fargo that I should not apply for other credit, as it would effect the Refi, so I was kept from applying elsewhere. I have been in the XXXX XXXX XXXX for 12 years, worked as a XXXX for 30 years.I owned and ran a XXXX for years, as well as achieved XXXX and been XXXX for over 20 years. 
I am very competent with management and numbers. I have copies of all the mail sent to me, as well as copious notes from all my discussions with Wells Fargo, which were on a recorded line. Wells Fargo does not know how to Refi a mortgage from a person that does not have a standard XXXX. Over the first five months I received different information from different Wells Fargo employees. All of which I have in my notes, and which follow the recorded line info. 
I emailed XXXX XXXX the CEO and they turn it over to an employee who was put in placeto keep anyone from bothering the Chief Executives. 
At XXXX point on a late Friday afternoon, I was told the application was approved. The following Monday morning, I was told the application was denied due to not enough income to debt. 
Wells Fargo does not recognize that a retired person controls their income through RMDsand Distributions. Wells Fargo tied my life up going on 7 months. As part of their responses to me, they sent me a check for {$500.00}, that is after they have collected over {$4700.00} extraby not approving the Refi, They have tried to roll over me by virtue of their size. 
My FICO score is XXXX. I have had credit cards with monthly payments paid on time with XXXX and XXXX XXXX for over 55 years. I believe I have a proven credit history. 
I do n't know why they are discriminating against me. Perhaps they do n't want to give loans toXXXX year old Senior Citizens.As a backup, I also have {$500000.00} worth of life insurance payable to my wife in the event of my death. I try to cover all my bases.