23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. Transunion open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, XXXX, and Transunion please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.
Product: Checking or savings account

I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.
Product: Debt collection

Cavalry SPV 1 LLC Assignee of XXXX XXXX sent a Constable to my home which is my spouses place of work. They didnt notify me 30 days prior that they were suing me. According to their records my last payment to XXXX XXXX XXXX ( the original creditor ) was XX/XX/XXXX. This debt is time barred and they have filed a court date for XX/XX/XXXX.
Product: Mortgage

I received a letter dated XX/XX/2018 stating the " Reinstatement Fee of {$5400.00} '' was required to bring our mortgage back into 'good standing ' ; and, to avoid foreclosure and the subsequent sale of our home ( home sale is scheduled for XX/XX/2018 ). 

On XX/XX/2018, I submitted a wire transfer of the required fundsdirectly to Chase, to the attention of " XXXX XXXX '', pursuant to their wire transfer instructions received on XX/XX/2018. 

The legal firm of XXXX, XXXX, XXXX, XXXX, XXXX was/has been retained by JPMorgan Chase Bank, National Association, to handle the sale of our home, on XX/XX/2018. After speaking to one of the legal firm 's legal representatives, I was informed " sending the required funds ( to stop the foreclosure and sale of our home ), by wire transfer, would be the fastest and safest way to reinstate our mortgage ''. 

To date ( XX/XX/2018, XXXX XXXX. EST ), the funds have not been applied to our account. It has now been 73+ hours ( 'business days ' not including Saturday and Sunday ), since the funds were transferred directly into Chase 's account # XXXX, Routing # XXXX. 

MY QUESTION IS : " HOW LONG DOES CHASE HAVE TO LEGALLY APPLY THESE FUNDS TO AN/OUR ACCOUNT? '' 73 Business Hours should be adequate, to apply the money directly to an account, sitting in Chase 's Reinstatement Processing Department. Further, why can NO ONE at Chase tell me WHEN these funds WILL BE APPLIED TO OUR ACCOUNT ( TO CANCEL THE SCHEDULED SALE OF OUR HOME )? 

There is a difference between " How long it takes Chase/a bank to apply funds to a home in foreclosure '' and " How long Chase/a bank is legally allowed to take to apply funds to a home in foreclosure ''. WHAT DOES BANKING LAW STATE ON THIS ISSUE?
Product: Student loan

A company called BCO Consulting Services reached out to me in XXXX of 2021. They claimed that they could consolidate my student loans and apply for debt forgiveness through their program. They claimed they work with the Department of Education and had enough of my information for me to believe it was legit. I never gave them any of my personal information other than my name and email address and then later my credit card to pay for my income driven repayment plan that they signed me up for. 

They did consolidate my loans with my loan servicer XXXX XXXX and I have been making payments to them for a little over a year now, however, I just reached out to XXXX XXXX and none of those payment have been applied to my student loan balance, so it is just a scam. I have terminated any future payments to them and requested that they cancel my " income-based '' repayment plan and cease all future communications with me regarding any payments due. I had my loan servicer file a report on my behalf and am reaching out here and with the FTC.
Product: Credit card or prepaid card

Capital One has an inquiry on my credit report for an denied credit card ( XX/XX/2018 ) that I personally did not APPLY for. I disputed the inquiry with Capital One and the 3 major credit reporting agencies. They all give me the run about without an investigation. This is highly damaging my credit scores.
Product: Debt collection

On XX/XX/XXXX, I canceled my policy with XXXX XXXX. For whatever in error reason, they continued to bill me for the policy. I contacted XXXX after they reported {$390.00} in collections on my incorrect credit. I was told to provide proof of insurance and they reduced the amount due on the account. They realized the error they made and issued a letter dated XX/XX/XXXX, stating this. They did a 3-way call to the Credit Collection Service and informed them to remove the item from my credit. My letter also states that. Since then the Collection Agency has updated my credit again with that information, which is wrong and they were told to remove it this time by the original creditor XXXX. They have since updated the item with their information. With that stated, they are attempting to collect on money already paid to the Creditor and were informed of that information. I was on the call when they were told to remove the item and for whatever reason, they are continuing to report this item.
Product: Checking or savings account

I did numerous of fraud that was happening on my account I called right away and told my bank what was going on they told me I had to wait till the transactions would post in order for them to assist me on Monday I called and filed my dispute and I was advised that they had to order me a new card and that they would file my dispute now couple days go by and my dispute is filed and get an email from MAJORITY indicating that my dispute was denied This is ridiculous because this was fraud and money that was taken out of my account without my authorization. this is not the first time that they have denied my dispute and I also provided a police report in documents and they still went ahead and denied my disputes
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed.

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal 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 Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this
Product: Debt collection

Re : Unknown/Unconsented wage garnishment To the honorable CFPB, Please be advised that I XXXX, XXXX is a widow and XXXX challenged by XXXX, I implore the CFPB to assist me in recovery of unconsented dispossession of much needed XXXX wage/s by an unlawful debt collection violating the FDCPA and other laws with possible collusion. 
I just started seeing money missing from my pay check and noticed an unknown and unconsented garnishment. I communicated with the Office of payroll and was sent the attachment letter. 
I was never served or received any NOTICE by either parties noted as debt collector ( Sheriff ) and alleged creditor ( MIDLAND FUNDING LLC ) with some sort of judgement. 
This alleged debt is hereby disputed. 
Thank you.
Product: Credit reporting or other personal consumer reports

Dear EXETER FINANCE LLCXXXX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : EXETER FINANCE LLCXXXX XXXX XX/XX/XXXX, XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within XXXX days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same XXXX timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX Original XXXX XXXX   Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Product: Credit reporting or other personal consumer reports

I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I saw this on my credit report and was shocked. I have never even received communication from the original debtor. I have tried and tried to reach the debt collector. I am constantly send to a voicemail and no one calls me back. I have a lease from a home in city hundreds of miles away from when this debt is supposedly occurred
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). NCB has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXXXXXX : {$2500.00}
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. 

The Creditors XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXX XXXX and XXXX XXXX. The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. 

Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by Experian for Account XXXX Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX Experian Late Payment : A XXXX late payment was inaccurately reported for XX/XX/XXXX. 
XXXX XXXX : Reported as {$5000.00}, differing from other bureaus. 
Last Verified Date : Missing in report, inconsistent with XXXX and XXXX. 
Closed Date : Not specified, differing from XXXX 's entry. 
Dispute Status : Marked as " Account not disputed, '' despite prior disputes submitted. 
Account Remarks : Incorrectly states " Account has been closed due to inactivity. '' Two-Year Payment History ( Late Payment Dates ) : Reported a XXXX late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through XXXX 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the XXXX would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However XXXX reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to TransUnion at all. 

When I attempted to resolve this with XXXX XXXX  XXXX XXXX XXXX and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore XXXX did did not report the XXXX amount to XXXX.
Product: Credit reporting or other personal consumer reports

I filed XXXX  XXXX to remove any file or car loans, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a deposit of {$500.00} to XXXX XXXX XXXX for a cruise that I was to take this summer. This deposit was made via a travel agent, XXXX XXXX and it was made with a XXXX XXXX. In XXXX of this year, XXXX. I reached out to the travel agent to cancel that cruise, the agent submitted a request to have the refund processed and that refund was processed on XX/XX/XXXX by XXXX XXXX in XXXX transactions of {$250.00} each to the original form of payment. In the following days, I monitored my credit card to check for the refund which never hit the account. After review on my end I realized that the XXXX XXXX  XXXX  originally used to make the deposit in XXXX of XXXX changed from XXXX XXXX  to Capital One Bank in XX/XX/XXXX and I was issued a new card with a new account number. When I contacted my credit card, now issued by Capital One Bank, they have no record of the refund. I then contacted the original bank that issued the visa, Comenity and they have no record of the old account at all which I can't understand. I spent over XXXX hours speaking with different reps, supervisors, etc to no success. The travel agent also escalated the issue to XXXX XXXX XXXX Research dept who confirmed the refund was accepted by the credit card and provided XXXX reference numbers for each of the {$250.00} refund. At this point, I don't know who else to call and no one can give me definitive answers as to the {$500.00} refund. I don't understand how the XXXX issued to me, even upon changing banks can not help or somehow connect the accounts. Thank you.
Product: Debt collection

I pray CFPB will investigate and put this wrongful foreclosure attempt to rest. Please read the attached letter for CFPB and all the documents after. 
Rushmore Loan Management Services ( RLMS ) is committing fraud, theft, perjury and extortion, in an attempt to foreclose on my property. 

They have neither mailed a certified letter, a phone call, or notice posted on my door every since they acquired the transfer of the alleged debt from XXXX XXXX XXXX who I have complained to the DOJ, FBI and Wa. State Attorney general RLMS violated the Fair Debt Collection Practice Act, Fair Debt Billing Act and countless other laws pertaining collecting debt.

Questions that need an answer 1 - I need to see the Wet Ink Original Note to see if the proper chain of title and endorsements 2 - I want the names, address and phone numbers of the investors that bought the note 3- UCC 9-210 ( e ) ( 2 ) provide mailing address and all assignee or successors 4- Verification and Validation of the alleged debt 5- Did RLMS pay to acquire alleged debt and how much 6- What contract if any must be provided to authenticate alleged debt 7- The amount of debt RLMS claim is owned
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the XXXX XXXX  also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the three credit reporting agencies as its a duplicated re-aged collection.