23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't recall having a contractual relationship with this collection company CAVALRY PORT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received a letter consumer number : XXXX Lexis Nexis through Consumer Financial Protection Bureau Portal CFPB Case # XXXX, stating that the Bankruptcy was not on my report. I also pull the report Lexis Nexis report on XXXX XXXX that they sent, Consumer Number : XXXX case # XXXX report with a bankruptcy not listed. I was told by a representative XXXX from Lexis Nexis on XXXX XXXX XXXX CST stating that I was incorrect with the records I have because it was still listed in there unverified system that the file was not removed. I am requesting from Lexis Nexis to provided how the information was verified. Lexis Nexis also provided unverified formation to 3rd parties and won't provided details who provide these details.
Product: Debt collection

They added this to my credit report. I am trying to fix my credit so I called. I said if we can come to a settlement can you send it in writing I will pay it. He started cussing at me telling me he doesn't have to do XXXX and he will raise the amount and you will be sorry Woke up this morning the amount is up. This is the worse company ever all I was trying to do is settlement and get in to writing they would remove from my report of I paid. He then said XXXX you and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a few disputes in various ways about this already, but didnt realize the scope of the problem. At first I thought this only was on my XXXX   report. Now I realize its also my XXXX and XXXX as well! 

There is an account from a Collections Agency being incorrectly reported an my credit files. 

The account is from the collection agency, National Credit Adjusters, account # XXXX This account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. XXXX simply responded that the Collections Agency is not reporting at this time. 

I should have no accounts in collections, and further, XXXX is displaying this item as a Charge Off, meaning that they say I still owe money for it. 

National Credit Adjusters needs to be held responsible for correctly reporting this item as Closed with a Paid in Full status, as of XX/XX/2016 ), and being sure the credit agencies receive that information. 

I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from XXXX. This account still shows as active in collection on XXXX too. 

All of this needs to be corrected and properly reported by Nationals credit Adjusters.
Product: Mortgage

The complaint is in regards to removing PMI from my home mortgage. I am currently just short of the 5year mark for having my home and have been trying to remove the PMI for almost 1 year. I have sent several  written letters via mail to Rushmore Loan Management Services with copies of county tax assessments as I was instructed to do so with no luck. Two weeks ago I called and spoke with a woman who was intentionally vague about giving me any information as to how much I needed to pay towards the principal in order to have the PMI removed and lower my monthly payments. She finally said {$37000.00} " should '' work. I paid {$38000.00} to be safe. I then read everything I could on the matter and decided to pay an additional {$5000.00} to be sure bring my loan to debt value to % 73. Today ( 10 days later ) I spent about 45 minutes on the phone and was placed on hold 3 times while trying to get the PMI removed. I was repeatedly told that I needed to yet again write a letter mail it in wait for a response then mail in an authorization form so Rushmore could have an appraisal done to my home at my expense and they may or may not remove the PMI after that. The way the law is written I understand it to state that since my loan to debt value is % 73 the PMI should be  removed with no appraisal necessary automatically.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there was a account that i did not open XXXX XXXX,2024 in the amount of $ XXXX.I requested that this account be investigated and disputed from my credit report. The company has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$360.00}
Product: Student loan

My loans were recently transferred to XXXX XXXX without my prior consent by my prior lender ( XXXX ). The transfer canceled scheduled auto-payments I arranged with my prior lender. Now, with XXXX XXXX, I have tried repeatedly to schedule recurring auto-pay through their website. Despite following all steps to schedule recurring payments and seeing a screen tell me I successfully arranged auto-pay, my account continues to state " no scheduled payment '' several weeks later. This setup seems designed to make people miss payments on their loans. 

Moreover, the Heartland website 's online chat function does not work and their customer service is terrible. I have been on hold on the phone for > 30 minutes trying to get reach a XXXX XXXX customer service representative to fix the issue and have yet to reach someone. This company warrants auditing by the CFPB. The poor business practices seem intended to induce default / missed payments and collect fees. I have never missed a payment and never had these problems with another lender.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX Court for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.
Product: Debt collection

XX/XX/XXXX I, XXXX XXXX, mailed a letter to XXXX XXXX XXXX stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from XXXX XXXX XXXX. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
Product: Debt collection

This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters.
Product: Debt collection

XX/XX/2024 XXXX received a collection letter from Source Receivables Management LLC. She responded that it was not her account not her debt. XX/XX/XXXX they sent a letter indicating how she should get ahold of XXXX XXXX. She responded to XXXX XXXX. Source turned account into Credit Bureau having an adverse affect on her credit rating. She disputed this with XXXX and they allegedly verified the account with Source and left it on her credit report. 

This was never XXXX XXXX account and no one will provide copies of the fraudulent documents for this
Product: Checking or savings account

In XX/XX/XXXX I noticed my business account was very low, o checked my transactions and say since XX/XX/XXXX XXXX, who I do not do business with, was withdrawing {$1000.00} per month adding up to over {$9000.00} I contacted the bank as a fraud claim. After 3 weeks I got a letter that they denied the claim. I contacted XXXX and got proof that it was fraud and resubmitted my claim now 20 plus days later with out the money The claim is under review and the bank said it may take up to XXXX to get an answer. 

I have bills that are not being paid because of the shortage on money in my account This is affecting my business and creating so much stress in my life I have been to the bank in person and they say they can not meet with me each time I go. I have very limited times that I can get to the bank because I am running a business by my self. 

Please help me to get the process moving a little faster. My business is suffering and I work too hard to not know if I am getting my money back Thank you XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I provided bank statements that verified that XXXX XXXX XXXX XXXX was never late and the late reporting for XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are completely inaccurate. 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$64.00} was made on the account for the month of XX/XX/XXXX on XX/XX/XXXX ( REFERENCE XX/XX/XXXX STATEMENT ). 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$65.00} was made on the account for the month of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The late reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are completely inaccurate and need to be updated to PAID/NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both XXXX XXXX and Walmart back on theXX/XX/XXXXand requested for the dispute remarks to be removed, as it was hindering me to obtain a home loan approval. I was told that it would take 30 days. After 30 days, I reached out to them again as the dispute remark was still on there. I just had my credit pulled today ( on theXX/XX/XXXX ) and the dispute remarks are still on there.
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I do know what else I can do, and why they will no comply with my simple request to remove/cancel my disputes, so that I can obtain a mortgage approval for an FHA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

The following credit card that was opened at Capital One Bank with my personal information, is a fraudulent credit card account : XXXX. I never applied for the Capital One Bank Credit Card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute XXXX fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not open these accounts, and I have already filed a police report regarding this identity theft, which I have enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for your reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.? 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identify theft discover bank someone used my personal information to obtain a credit card from discover bank I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 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 sent a letter to all three credit bureaus for investigation on XXXX XXXX. I havent received any information as of yet.
Product: Credit card or prepaid card

We are in need of your help with getting some fraudulent charges reversed from our Capital one Credit Card account!! Is there a way to steal Credit Card info online or from a gas pump terminal to make in-person purchases without the physical credit card? If so, that is exactly what happened to us!! 

On Sunday XX/XX/XXXX, somehow someone was able to gain access to my and my wife 's credit card information to make XXXX physical purchases WITHOUT our actual credit cards in hand totaling $ XXXX in just a few hours. We had our physical credit cards in our possession the entire time these purchases were made. The purchases were made at a XXXX XXXX XXXX, XXXX XXXX, Gas station, Cigarettes shop, XXXX XXXX, XXXX XXXX, and a XXXX XXXX  All of these purchases were made in person by somebody who may have gotten my/our credit card information from a credit card scanner at a gas pump that I visited on Friday, XX/XX/XXXX. I went to a XXXX that I do not normally visit, so that is the only way that I can think that someone was able to get our information to make these purchases in person unless they were able to steal it online? 

I called my CC Capital One XXXX to report the fraud on Sunday as soon as I received a text message from them asking to verify the XXXX XXXX XXXX At that time I looked at the account and saw all of the other fraudulent purchases made on the same day. The charge for XXXX XXXX  appeared as I was on the phone with Capital One! The representative initiated the investigation and a few days later, adjustments for all of the XXXX fraudulent charges were reversed. 

But then on Monday XX/XX/XXXX, something extra freaky happened!! XXXX of the charges ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) totalling about {$600.00} were added back. I noticed this when checking my recent transactions early during the week, and found time to investigate this morning. When I called the main number, I was transferred to XXXX in the fraud department ( XXXX XXXX ) and she basically told me that since we reported that our physical cards were physically with us, there was no other way for someone else to make the purchases, so now we are responsible for at least these XXXX charges! The remaining XXXX charges are still being investigated but since all reported charges were made the same way, I suspect there's a chance that we'll get the same outcome for those as well. 

We do not shop at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or smoke cigarettes. All but XXXX of the gas station purchases were made in XXXX or XXXX XXXX and we live in XXXX XXXX. The purchases do not reflect our normal spending habits in terms of amount or location. We are excellent CC customers as well and always pay off our entire balance each month. I'm feeling very vulnerable here not knowing exactly how this happened and concerned that it could happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX XXXX in XXXX. Ive since gone back to school. I called Navient, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XX/XX/XXXX I realized I had a late payments for all Navient loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using XXXX XXXX XXXX XXXX XXXX, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.