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

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} LOBEL FINANCIAL XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}
Product: Credit card or prepaid card

On XX/XX/17 I talked to the CSR at the bank and he agreed to waive the late fee. I paid the instructed amount. The next month I received another interest charge. Upon calling, the CSR advised me that it was their policy that even if the bill and interest were paid in full I would have to pay interest for the additional two months before the interest charges were dropped.
Product: Money transfer, virtual currency, or money service

To I, XXXX XXXX XXXX, asking you to step into the issue I met during working with XXXXXXXX XXXX and Bank of America. 
I was going to purchase a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX XXXX, phone XXXX and did initial a wire transfer of {$20000.00} ( XXXX XXXX XXXX Dollars ) from XXXX branch of the XXXXXXXX XXXX XXXXn XXXX, XXXX on XX/XX/2022 ( check document attached ). Wire transfer reference number is XXXX Since that date the XXXXXXXX XXXX XXXXXXXX never received the money and I never got them back also. {$20000.00} just disappeared. We did initial investigation from both sides. XXXX XXXX XXXX representative was talking to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America New York ( bank-correspondent ) but everyone said they dont have my money. My XXXXXXXX XXXX put tracing on the wire, and it clearly shows that XXXX XXXX XXXXXXXX has my money ( check document attached ), but they dont follow my requests though XXXX XXXX I fill like my money are stolen and no one wants to give them back toy me. XXXXXXXX XXXX and Bank of America representatives dont want to talk to me because I am not their customer. They dont really want to talk to XXXXXXXX XXXX representative also, because XXXX XXXX is not a sender. The same time XXXX and Bank of America totally ignoring my requests from XXXX XXXX  This is a nonsense. I need your help please to get my {$20000.00} back. 
Thank you. 
XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Phone : XXXX XXXX XXXX address : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from Nelnet to XXXX. I noticed that my XXXX XXXX XXXX dipped recently, and upon investigating I found that both XXXX and Nelnet were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my XXXX credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with XXXX asking that the Nelnet accounts be removed, as my loans were being double reported. On XX/XX/2023, XXXX closed the dispute without removing the superfluous Nelnet accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Double transaction on my account for the same day. I didnt receive ticket from machine so I had to do the purchase a second time
Product: Debt collection

On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Product: Student loan

I am a public service worker, having been in the field since XXXX. I had my loans serviced through Pennsylvania Higher Education Assistance Agency ( PHEAA ) for a majority of the time when I first learned I was eligible for the Public Service Loan Forgiveness Program in XXXX. This was after not being told or encouraged to join through that servicer, who also had many loans tagged incorrectly, thus not reflecting the correct eligibility. I have recently re-certified my eligibility, but find PHEAA through FedLoan Servicing, only reflects roughly have the qualified years, telling me that there were forbearance they placed on my accounts when I would have been eligible for $ XXXX  monthly payments prior to and immediately following my marriage in XXXX. They have mismanaged my account that I have spent over 4 years trying to fix, with them now properly certifying my eligible years, but not that of eligible payments that they consider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, this is the account that I am referring to XXXX XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX Please remove all of the inaccurate accounts listed above. 

I respectfully urge TRANSUNION to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within XXXX  days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr DPT TREASURY Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX, XXXX  XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX with XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but XXXX reported that my XXXX and XXXX payments were XXXX and XXXX  days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified with all three credit bureau false information. ( that I completed a bankruptcy ). 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately to credit reporting agencies and I can tell you its not LexisNexis are reporting false information that is affecting my life and my credit. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally please provide a complete bankruptcy repayment plan issued by the court and provide discharge final decree or order closing your case.., please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature but you are sharing this information to the credit bureau. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I had a legally binding contractual obligation that I paid off the alleged bankruptcy. This is alleged to have been dismissed paid in full with a copy of the final decree signed by the judge and myself ending the bankruptcy. If you can not provide me this information that you claim is accurate, the removing this information now to stop the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting and must be removed immediately or I will report the to the XXXX  of this unfounded volaction.
Product: Mortgage

I filed bankruptcy which results in the note being canceled. After bankruptcy I noticed I have a new account number that says my loan had started completely over. At this point I started researching. Ive been in the house for 4 years, paying more money every month than my mortgage statement said I owe. How is it possible after bankruptcy I have a new loan number and my debt started over from the beginning. I DIDNT AUTHORIZE A NEW LOAN. If the loan started over why wasnt I reimbursed the money I had paid towards my loan for the past 4 years. 

I started questioning the servicer. The servicer did not answer any of my questions directly. 
I paid money towards a modification and the servicer claimed they lost my documents so I had missed the deadline. I sent the documents over 3 times. I have files to prove my claims. 

I am aware that a promissory note is equivalent to cash value once signed. I am aware that value has to be given to secure rights that are set forth in the mortgage contract and no value was given in this case. 

I am aware that without the original note the mortgage contract is null and void because both instruments are required by law to lawfully foreclose on the mortgage contract. 
I am aware that UCC 3-501 requires a servicer to show authority to make a demand for payment. If the servicer will not exhibit the note or perform other legal requirements when requested to do so by borrower, the borrower is allowed to discontinue payments without dishonor until such time as the note holder or servicer complies with ALL laws or contract provisions.

I am aware UCC 9-203 ( b ) defines attachment and enforceability and in order for the security interest to attach the collateral value must be given. 

I have contacted the servicer via mail with a certified QWR several times without proper correspondence. 

I need CFPB to help me get the answers I seek before this servicer attempta to foreclose on my mortgage illegally and evict me from my property unlawfully so that they can file an insurance claim on a debt that was never valid.
Product: Checking or savings account

On XX/XX/2020 There was a unaurothroized transaction on my paypal account in the amount of {$10.00}. 
Paypal allowed this transaction without my Arthurization. 

I called paypal to dispute the charge. 
Paypal gave me provisional credit then took my {$10.00} back. 

I then requested for paypal to send me another paypal business debit card on XX/XX/2020. 

Paypal said they have sent the card by mail of which I have not received yet and paypal has been lying to be about mailing out my paypal business debit card. 

This month XXXX Paypal sends me a email stating that they need to verify my home address of which my home address has been verified since XX/XX/2020. 

I have money in my paypal account and paypal will not release my money to be by check nor let me add my new bank account on their website. 

Paypal has locked my money away from me and I am severely upset with paypal.
Product: Checking or savings account

I had two checks that were mailed that did not reach their destination and were intercepted and endorsed/cashed fraudulently. The checks were written in XX/XX/XXXX & XX/XX/XXXX, however, I didn't realize that they were forged until XX/XX/XXXX. 

I initially filed a claim with my bank, CHASE, on XX/XX/XXXX, and have made a follow-up phone call every two weeks since then. I have documentation of those phone calls. Today, I spoke with CHASE and they informed me that they sent a follow-up letter to XXXX XXXX XXXX XXXX where the checks were cashed, today. I was told that they have 90 days to respond to the initial letter that was mailed in XXXX. Today marks 90 days and I was told that I might not hear until XX/XX/XXXX. 

This is unacceptable because the total amounts are almost {$5000.00} and I am on a fixed income. My XXXX check was for a tax bill which now I'm being charged interest which I am liable for. 

I am hoping that you can resolve this matter as I am getting nowhere with my financial institution. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I purchased my home on XX/XX/2022, with a mortgage appraisal value of {$340000.00}. At that time, my HOA fees were {$340.00} monthly, which I was unaware of. The appraiser failed to conduct proper due diligence and incorrectly assumed that the monthly HOA fee was only {$260.00}. This misinformation was provided at the time of my purchase, and I only realized afterwards that I had been deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the United States shut down causing myself and hundreds of thousands of federal employees to go without pay for approx. two pay periods or a month. I contacted my mortgage company and told them I wouldn't be able to pay XXXX 's mortgage and did they have any programs I could get into so I wouldn't show negative on my credit report because I had been working to improve my credit so that I could possibly refinance my mortgage. I was told that there was a program I might be eligible for and all I had to do was send in some documentation. I work in an office where I have access to fax machines and computers so I sent the information in several times and even had co-workers fax it in for me because ( Roundpoint ) my mortgage company kept sending letters that they hadn't received the documents. At one point Roundpoint even told me that they didn't understand the information I had sent them so I revamped that and sent it in. When I began getting frustrated with the stall tactics and the run around I was receiving I attempted to call and once I inputted my account number I was told that there was nothing I needed to do but wait until I was contacted. As the time was passing I continued to send all other payments on time while trying to get accepted into the program, finally three months out I spoke to someone that told me he could see that they had my information but if I followed through with the program my loan would be rewritten and things like the interest could change ; he advised me to find a way to pay the missed month to save time and trouble. By this time it is XXXX and I had already paid XXXX 's mortgage ( on time ) so I made an additional payment to catch up and to eliminate the stress I was going through. Up into this point I was reported as current on my mortgage, however as soon as I made the second payment Roundpoint reported my as thirty days late on my mortgage sending my credit plummeting making years of struggling for nothing. I had the same thing happen in XX/XX/XXXX while applying for a program then, but that incident I just let go. To make a long story short I really need this to be taken off of my credit report, first because it isn't true and secondly because it is unfair for Roundpoint to force me to stay with them through lies and manipulation. I contacted them and requested they remove the negative report and I was told that they were within their rights to make the report even though we had been working on this since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to Experian about an account which they keep reporting on my Consumer Report. They claim that they verify the account but neither the " creditor '' nor Experian provide proof of such verification. Pursuant to 15 USC 1681b, they are required to receive written consent from the consumer ( me ) to report on my Consumer Report. I have sent multiple letters stating that they have not received nor do they have my permission or written consent and if they can, to please provide me with the proof, to which their representative responded with " we don't have to give you anything ''. Ive submitted multiple complaints with the CFPB and they refuse to answer to them claiming that there is an unauthorized third party in the account and that I need to call to give them authorization, but when I do call, they have no knowledge of any third party, authorization nor the response that they have given to the CFPB. All 3 Credit Reporting Agencies are required to have the exact same information on their reporting. XXXX  and XXXX  are not reporting these accounts on my Consumer Report, yet Experian refuses to follow suit. Experian has been using inaccurate and false reporting practices which have resulted in damages to my reputation as a Consumer and credit worthiness.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.