23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did go to the XXXX XXXX back in XXXXXXXX XXXX and I paied more than XXXX XXXX dollars to the XXXX I did noy recieve any other payment notice that I owe. Now I have a collection letter asking me to pay {$74.00}. Who do I owe this money to_ and for what service is this? 

I need to know the original biller, the original creditor should send me the bill first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Lexisnexis could you please tell me how come two different credit reporting agencies are reporting two different court case file numbers on a public record bankruptcy! Lexisnexis on XXXX you certified to me and the CFPB that you had verified that that XXXX was the actually case file number! ( See your letter ) I disputed with XXXX they certified to me on XX/XX/2022 That you had verified that XXXX was the actually court case file. Please explain to me how can one XXXX  XXXX have two different court case file number? 
I have attached a copy of your letter and XXXX  report. Also review in fine print XXXX  lists you as the 3rd party vendor who claim you verified there dispute! I will be awaiting your response. 
Please remove this from your credit file and XXXX credit file due to the fact its no way again one court filing docket number can have two different case file! 
I do not believe that you conducted any investigations Please explain in great details as to how you are verifying two different court docket number for 1 XXXX XXXX
Product: Debt collection

XXXX XXXX law firm ( Prior complaint no XXXX ) did not respond to my previous complaint filed on XX/XX/2018.with your agency regarding a debt they bought from XXXX XXXX XXXX. 

On XX/XX/2018, I received a letter at my work address machine dated and envelope postmarked XX/XX/2018, XXXX XXXX XXXX marked XX/XX/2018, from the XXXX GA law firm of Simpson, Uchitel and Wilson, LLP threatening a law suit on the XXXX XXXXXXXX XXXX debt if I did not respond within ten ( 10 ) days of the date of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX, Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am trying to buy a home. I checked my credit I have 80 unauthorized inquiries. I have sent three request letters since XXXX XXXX XXXX and all inquiries are still appearing with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts as soon as possible because they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX in XXXX with 60 payments with final payment in XX/XX/XXXX. I have since paid off the motorcycle and trying to get US Bank to release with the OHIO BMV in XXXX, OHIO. I have called starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I get a Rep telling me that they sent a request of lean release of a tittle to their auditor dept. I have had 2 Reps promise that they would call me back, none have. I need to get a title of my motorcycle because I have lost it and when I went to the OHIO BMV they said the bank hasn't released it yet. This is bad business practice that I can not get someone to confirm that I paid the bank lean off back in XXXX
Product: Debt collection

This dispute pertains to the information reported by your agency under the permissible purposes underline in 15 USC 1681B as well as my request for blocking information related to identity theft under 15 USC 1681C2 I recently attained a copy of my credit report from your agency and have identified The following inquiries account name XXXX XXXX XXXX this inaccuracy such as the account itself the balance delete payment, and the account status is false due to identity fraud on the 15 USC 1681B consumer reporting agency must ensure that the information they report is used for permissible purposes only I am disputing the accuracy of this information as it has a significant impact on my credit worthiness. I request a thorough investigation into the accuracy of this information as required by feeding USC 1681B additionally, I also sent in proof of identification and address to update update my account with my personal information. I have hear nothing back from nor credit union..
Product: Credit card or prepaid card

I believe the travel concierge department who handles points redemption for travel owes me XXXX Points. They did not allow me to rebook a flight, in accordance with XXXX XXXX change policy, and forced me to pay for it again with points. Let me explain : XX/XX/XXXX Booked an itinerary Trip ID XXXX on the Travel Portal below XXXX  -- >JFK XX/XX/XXXX XXXX -- XXXX XXXX  XX/XX/XXXX XXXX Points XX/XX/XXXX 8 days prior to departure, I called to change the itinerary, where I would be traveling only one segment of the itinerary XXXX  -- >XXXX  on XX/XX/XXXX. The outbound flight ( XXXX -- >XXXX  ) would be cancelled and a XXXX travel bank credit would be issued for half of the itinerary. This is current XXXX policy found at XXXX XXXX XXXX This states that for voluntary flight cancellations there is no cancellation fees and the fare is issued as a XXXX XXXX XXXX credit. 

I then tried to use the travel bank credit through the travel portal to book a flight for my wife on XX/XX/XXXX. I was told that I am not allowed to book a flight using the travel voucher because it can only be done under my name. I discussed with that that according to official XXXX policy, I can use the XXXX XXXX credit for anyone I like. As per the official policy, " The name on the account does not need to match the name of the traveler ''. See screenshot below. 

Despite citing the official XXXX policy, I was denied the use of the XXXX XXXX Voucher for my wife. Instead, I was forced to book a separate flight for her using my existing points balance. 

XX/XX/XXXX Forced to pay for a new XXXX flight using XXXX Points Trip ID : XXXX XX/XX/XXXX XXXX XXXX XXXX -- XXXX XXXX  for my wife I was told that since I used the XXXX XXXX XXXX portal, I would have to suffer with a more restrictive cancellation policy than what is available by directly booking with the airline. In fact, I did call XXXX directly and they informed me that if I had made the itinerary change directly through XXXX, I would not have incurred any additional points or fees. I do not think that this is fair and I would for the travel concierge to credit my account with the XXXX points that I didn't need to spend to book my wife 's XXXX flight on XX/XX/XXXX Thanks and I look forward to your reply.
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.

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 ) 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, credit repair services, or other personal consumer reports

I reached out to both XXXX and Equifax regarding these inquiries that were made with no permissible purposes. Both have refused to even address these matters. There is no permissible purposes for these inquiries listed below and should further more be deleted from my file. 
I have repeatedly requested requested, per the fair credit reporting act, that these be deleted. 

Equifax : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX - Fraud inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 8th
Product: Checking or savings account

I used XXXX XXXX to submit an ACH pull from US bank in early XXXX in the amount of {$1000.00}. The money was withdrawn from US Bank on XXXX. On XXXX, XXXX suspended all my external accounts and told me they were keeping the money ( 5 transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and XXXX  could not help me. 


I filed all complaints and all money has been returned except US Bank. US bank asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred 7, yes 7 times between the SAME TWO DEPARTMENTS over the course of 75 minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested 15 hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts reported as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX  ). Miss put information on multiple areas.

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

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : US DEPT OF ED/XXXX  # XXXX Account Name : USDOE/XXXX  # XXXX Account Name : XXXX XXXX  # XXXX ALL HAVE VIOLATED MY RIGHTS 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 USC 1681s-2 ( A ) ( 1 ) ( A ) 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: Mortgage

My home is up for a foreclosure sale the XXXX Tuesday in XX/XX/2018. The assignment that being used to foreclose was created after the cut off date of the alleged trust that claiming to have Power of Attorney. I revoked the power of attorney that was given to the XXXX XXXX with the Borrowers Waiver of Rights in the XXXX County Courts. The assignment is robo signed and fraudulent.
Product: Vehicle loan or lease

car was total, i purchase gap ins, and ext warranty. My ins co pay me to get a replacement car, gap ins and warranty were in the loan. Bank is a holder in due cause.     I want all add interest and late charges credit, refund on ext warranty, and gap ins to pay off the loan.     none of this been done as of date.     I did what the bank informed me to do, when to the dealer, cancel ext warranty, gap insurance does n't want to paid off the loan, because my ins co gave me more than the value for the car, but that is because i paid for replacement value, none of thier  XXXX  business what i was paid on loss.
Product: Credit reporting

XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, and XXXX, I am writing to formally dispute inaccurate and incomplete information on my credit report. I recently submitted a dispute regarding certain items, but the investigation conducted was insufficient, as the information was only verified against the furnishers report rather than being thoroughly reviewed in light of the evidence I provided. 

XXXX XXXX XXXX  Account ( Account XXXX : XXXX The balance is inaccurate on all three bureaus. 
The past due amount is incorrect on all three bureaus. 
The payment status is incorrect on all three bureaus. 
The last reported date is inaccurate on all three bureaus. 
The creditors comments are inconsistent and incorrect on all three bureaus. 
The date last active is inaccurate on all three bureaus. 
The payment history for the last two years is incomplete and incorrect on all three bureaus. 

I demand that you delete it immediately and stop parroting information from the furnisher without doing a full investigation to protect my rights. This inaccurate information is causing me harm and ruining my good name. I cant get the credit I deserve because you failed to do your job. I see why the CFPB is suing you guys..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB Complaint XXXX XXXX XXXXXXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX XXXX XXXXXXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX XXXX XXXXXXXX date last reported is in XXXX when disputed in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXs wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on XXXX different credit reports with XXXX different account numbers, reporting open but its closed XXXXXXXX XXXX XXXX XXXXXXXX reports as open but is closed and XXXX different dates as last active XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as open but its in collections XXXX XXXX XXXX XXXXXXXX already on credit report aXXXX XXXX XXXX XXXX  as open but its closed, its on my report twice
Product: Mortgage

PennyMac is extremely fraudulent and horrible and deliberately employs illegal and fraudulent practices : dualtracking, losing documents, changing contact persons and prolonging modification applications to get foreclosures and auctions. They also have a stupid " within 37 day policy '' to not accept short sale requests or any restorative actions from property owners.

PennyMac denied 3 offers to buy the property so that they could auction the property. We had a buyer who offered {$54000.00} over the payoff amount 1 week before the sale. They were also willing to cure the loan first then have enough time to get a loan for the property. We contacted PennyMac to obtain the loan payoff and amount to cure the arrears, PennyMac 's customer service manager XXXX XXXX said it would take 3-5 days to get this information although we pleaded that the auction date was 4 days away, he deliberately gave us incorrect auction administrator information and stalled the payment to cure the loan. 

The property was auctioned on XX/XX/19 but was not purchased so the property went back to the beneficiary ( bank ). PennyMac has caused us physical, emotional distress, and pain and suffering to my family. I am XXXX years old and XXXX. PennyMac received calls from our Congressman 's office as well as CFPB to stop the auction and allow the sale to proceed to which they stated that they could not and they DID NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous disputes have been sent to TransUnion asking for a complete and thorough investigation into the inaccuracies listed on my credit report. The credit bureau has a public record ( Bankruptcy XXXX XXXX XXXX ) listed as " XXXX XXXX XXXX ''. They use third party vendor XXXX XXXX to scrape this information from XXXX  and they place this unverified information on consumers credit reports. I have asked the credit bureau how I am " Contractually liable '' if all my debt were wiped away and I'm afforded a fresh start. They have yet to provide me with their methods of verification as if its a military secret. They are and have been reporting erroneous information on my credit profile for 2+ years now. The last time they updated my credit report was XX/XX/2021. I am writing to show how unprofessional this credit bureau is and they have failed to due their due diligence in properly investigating my disputes. There is no where in my paperwork that states I am " contractually liable '' for any debt. Where did they receive this information from? They have yet to provide copies of paperwork that states I am contractually liable for any debts.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX. XXXX I got a notification of a hard inquiry from XXXX XXXX. I never applied for an account on XXXX  XXXX. I contacted XXXX to remove that hard inquiry and they did but now I have an account closed on my credit report. It shows that the credit limit was XXXXXXXX XXXX and someone charged XXXX XXXX on it. On XXXX XXXX  for XXXX and trans union it still shows the hard inquiry on my credit report and they asked me to file a police report or to file it on this website so I can send it to them and then theyll be able to remove my hard inquiry
Product: Credit reporting or other personal consumer reports

I had a cable account with XXXX. I believed that was satisfied when I moved out of the apartment complex I lived in at the time. I've already disputed the item on my credit report and asked for account and payment history, as well as debt validation. It seems XXXX, the company that I originally did business with, has XXXX different companies that have now put items on my credit for the same thing, meaning there's XXXX entries on my credit report for XXXXXXXX XXXX One is " CBE group '' and one is " XXXX. '' The information listed is also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY