23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a garnishment notice from my employer with no previous notification. Attempted to contact CSO Financial INC and have gotten no reply. Filed a challenge with the court for failure to notify. Court records indicate that CSO Financial informed the court I was served, but address and spelling of my name was incorrect. I have had {$400.00} taken from my paycheck with no information on what or why. I check my credit report often and have no outstanding debts. I am assuming this is a mistake or fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, 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, 15 USC Sections 1681i 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 - Date of inquiry : XX/XX/XXXX
Product: Debt collection

After making regular payments on my debt amount owed, they completely emptied my checking and savings accounts from my bank. I had online access to my debt account through this firm on their website and now I am locked out and can not access it. On XX/XX/year>, they garnished every XXXX I had in my bank accounts without notice to me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Debt collection

Dear CFPB, Please find my complaint against PennyMac who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify. 

Please also find my complaint against XXXX XXXX XXXX XXXX XXXX a previous Servicer. I  demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes. 

Since XX/XX/XXXX PennyMac refused to provide me ANY information related to their purported ownership of my loan which PennyMac purportedly purchased from someone whom nobody cans identify.

PennyMac also pretends to maintain my escrow account where PennyMac collects my money to suppose pay taxes and property insurance.

In fact, PennyMac does not pay my taxes and I suspect they do not pay my property insurance as well. 

I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if PennyMac paid my taxes. 

Treasurer XXXXXXXX did not had any records about PennyMac paying my taxes. 

Neither PennyMac or XXXX never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and XXXX  to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time. 

Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at XXXX  ) and XXXX-present time at PennyMac.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.
Product: Credit card or prepaid card

Barclays originally denied 2 disputes that were eventually settled. After weeks and weeks of enduring poor customer service and my needing to invest hours and hours of time, the ordeal seems to be over with refunds in my account. However, I have interest charges associated with the amounts that were disputed. I asked customer service to take care of the charges. For the umpteenth time, they are having me wait 24 -48 hours for a manager to call me to discuss it. The lunacy must end. I can not handle getting involved with any other lengthy round of circular conversations. I just do not have the time, and I should not be asked to do this! I am tired of wasting time because of their most inferior customer service!
Product: Money transfer, virtual currency, or money service

My savings account was hacked and 13 wired transfers to the same account at different dates were made, no 2 stage validation was done by the company, they didn't even find out that something is strange. 
I was shocked to find out that more than XXXX $ were missing from it and no action was taken by Chase, I informed them immediately as I was noticed that. 
I am waiting for other instructions from Chase but I want to make sure that in parallel the needed action would be taken to prevent it and restore the funds we had, before the incident.
Product: Credit reporting or other personal consumer reports

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Original Balance : {$12000.00} Current Balance : {$4500.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Charged off / Never Late/ {$10000.00} written off / {$4500.00} past due Dispute Issues : Contradictory Status Reporting The account is marked as Charged Off/Never Late. This is contradictory, as an account can not be charged off while being reported as never late. Charged-off accounts should also reflect a {$0.00} past due balance per XXXX XXXX compliance guidelines. 
Inaccurate XXXX XXXX The account lists a past-due balance of {$4500.00} despite being reported as charged off. Per industry standards, charged-off accounts must not show past-due balances, and the reporting in this case is misleading and non-compliant. 
XXXX XXXX Calculation The balance remaining after the auction is questionable. I request a breakdown of how the deficiency was calculated, including the auction price, repossession fees, and any other charges applied. Without this breakdown, the accuracy of the balance can not be verified. 
Auction Compliance Was the vehicle sold in a commercially reasonable manner as required by law? I request proof of the auction details, including the final sale price, date, and efforts to achieve a fair market value. 
Notification Requirements I did not receive proper notice of the repossession or auction, which may violate my rights under federal and state laws. Please provide copies of all notices sent prior to the repossession and sale. 
XXXX XXXX XXXX XXXX I request verification and correction of the following XXXX XXXX data fields to ensure compliance : Account Status : Is the account being accurately reported as charged off, with no past-due balance? 
Date of XXXX XXXX ( XXXX ) : Verify that this date is correct and accurately reported. 
Payment Rating : Is the current rating compliant with XXXX XXXX standards?
Product: Money transfer, virtual currency, or money service

My daughter sent me XXXX on Venmo. It is my first time using Venmo and I promise it will be my last. They have frozen my account and I cant transfer or spend my money. They told me to wait 2 weeks. Accused me of having a Venmo account already but that is a lie. I have never used Venmo. I just want my money out. Convenience is overrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX  Date : XX/XX/XXXXCompany : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX  Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Product: Student loan

I have submitted XXXX complaints : XXXX and XXXX. 
XXXX and XXXX have now given Transworld Systems Inc. account to placein collection. STOP. I paid XXXX over {$36000.00} on my student loan. 
Original loan amount {$45000.00}. XXXX defaulted the entire loan at {$43000.00}.
Product: Mortgage

I have notified my mortgage company ( Guaranteed Rate ) several times that the property tax assumption on their websites is inaccurate for my duplex. In short, the city incorrectly classified my property as a commercial property and I have since had it re-classed back to residential. The current property taxes owed are almost half of what they have listed on their site. They have yet to change that information and my payment is almost $ XXXX more a month than it should be due to this inaccuracy. At my last verbal conversation with them, I said I am refusing to pay my mortgage until they fix this issue. So far the mortgage isn't late, but if they don't fix it by month-end it will be. I want to pay my mortgage, but I want the payment to be correct based on the right tax rate. I also want them to refund the escrow overage as a result of the inaccurate escrow assumptions on their site, ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.
Product: Debt collection

On XX/XX/21 Lake View Loan Serving LLC responded to my previous complaint saying that they hold my master servicing rights to my mortgage credit transaction. Ive NEVER gave them consent to contact me or have my information. This is identity theft and they are trying to collect on a alleged debt not owed to them. I have requested them to provide me with the original contract with my Wet Signature on it and have not yet received a response. Its been 30 days now I have to take legal actions.

15usc1692g 15usc1681b 18usc1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my credit cards, XXXX updated my status and the {$39.00} balance which resulted from an annual, was credited to my account so my balance went to {$0.00}. 
As soon as the balance went to {$0.00} my credit score dropped about 37 points.

What it said on my report is that I might have closed an account.

Why would that affect my score by so much? Because I have {$0.00} balance on all my credit cards my score drops? Who makes up these rules?

I have tried calling them and they won't respond!!!

All I get is a hang up.

So absurd they they can do whatever they want.
Product: Credit card or prepaid card

I have filed a previous complaint but jhave NO RESPONSE from CFPB and PayPal XXXX No one has gotten back with me! You just cant close the case without and response from PayPal and or CFPB?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$190.00} XXXX XXXX  XXXX XXXX Balance XXXX : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

On XX/XX/XXXX I ordered a vacation package at a deeply discounted rate from a company called XXXX XXXX and paid with my debit card. I was told I had until XX/XX/XXXX to reserve the dates and take the vacation. At no time did they say it was a time share and that we'd have to go to their sales meeting once we arrived. Not that it mattered, as this company had no intentions of honoring the vacation package to most consumers, including myself, from what I'm reading based off consumer complaints on the XXXX   website. They have failed to return my emails and when I called the toll free number it directed me to email customer service. 
As soon as I discovered that I was the victim of a scam, like so many other consumers that have dealt with this company last spring, I notified my bank immediately that I wanted to dispute the charge on my account. 
The bank credited my account but then found that I had authorized the charges and denied my dispute claim. They took all the money I had in my bank account to cover the cost of the charge, again. 
So now I'm getting charged for a vacation that my family will never get to go on and my bank has taken all the money we had available to live on this week. I feel I have the right to dispute this charge and that I shouldn't have to pay for a service that XXXX  XXXX  isn't going to honor. I notified the bank as soon as I realized that there was a problem. I realize it was over the 60 day reporting period but I had no idea XXXX  XXXX  wasn't a reputable company and that I wasn't the first consumer going through this with the services they offered. 
I told my bank that although I authorized the charge it was still fraudulent as I haven't received the vacation that I paid for and I never will but apparently I will have to pay for it and now also have zero cash to get to work or buy groceries due to Chase denying my dispute claim and taking all the money available in my checking account.
Product: Credit reporting or other personal consumer reports

There is a report I do not recognize that is for a company called COAF which Ive never had any contact with or have Hurd of it says the hard inquiry occurred on XX/XX/year> I dont know how this has happened I would like to dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration concerning the numerous unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite persistent efforts on my part and multiple communications, these issues remain unresolved, causing significant inconvenience and distress. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Contacted customer service immediately and was informed that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the account were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the account remains unopened with a late closure status. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account opening and late closure status. 

Transparent communication regarding the steps being taken to correct these issues. 

Swift resolution of the account opening problem, with confirmation of the successful resolution. 

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account opening and late closure status. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the late close and correct the late open accounts in my credit file :