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

" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXXk XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) In addition there is XXXX Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " Experian '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( Bank XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXTI Bank XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX card. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXXXXXX XXXX  about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, Transunion and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I deposited a check for {$4000.00} plus at chase bank through my mobile app. The check was a refunded deposit from my old apartment after I moved out, therefore the check had two names ( my roommate and mine ) on it, in which I only signed my name on it to deposit. Chase bank identified my deposit as a fraudulent transaction, and declined the payment. They closed my account without place for negotiable. They wanted to suspend the fund until they can get a hold of my roommate, so I provided chase with her phone number at the time, chase then returned to me and claimed that the phone number wasnt registered under their system so there is no way they can identify my roommates consent to deposit the money. 
Fast forward to XX/XX/XXXX, my roommate went abroad and I asked chase if they could return the fund to the sender ( apartment ) so I can have the sender issue me another check. Since my roommate would not have a phone number, it would be easier for her to talk the apartment. Chase said no, they cant release the fund because it has already been deposited into chase. I asked whats going to happen, they said they dont know the money will go unclaimed to state. They cant do anything about it. 
I then contacted them once again in XX/XX/XXXX and requested them to return the money to sender. I was promised to have my matter escalated, promised a call back within 48 hours which I never got the phone call. 
Very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one used my SSN to get services and apply for credit. Now its showing on my credit with Inquiry and Charge offs
Product: Checking or savings account

I took money out of my IRA account from XXXX XXXX XXXX XXXX on XX/XX/XXXX. It was {$3000.00} and I planned on putting the money in Fifth Third Banking. It was a cashiers check and I was planning on paying a credit card. I deposit the check at Fifth third the same day. My account is blocked for over a week and they terminated it.
Product: Debt collection

I had XXXX and I was told my insurance all the medical cost. 
1yr ago. XXXX, & XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX ( XXXX ) billed my insurance for services rendered in XXXX of XXXX. It was denied because XXXX included information indicating that the injury was part of an accident and my insurance carrier rejected the claim because they thought it was an auto accident. 

XXXX sent the {$770.00} claim to collection, Kansas Counselors Inc ( KCI ), in XXXX of XXXX. KCI called me in XXXX and I told them it should be covered under insurance. I called the insurance company and XXXX and got the miscommunication cleared up, XXXX adjusted my account balance to reflect the insurance payment. 

KCI called me again each month from XXXX through roughly XXXX and I told them each time that it was paid by insurance and their balance is wrong. The final time KCI called I asked them to only deal in writing and to send me a debt validation and verification letter with a full detail of the account balance from XXXX because their information is wrong. They did not send me the information I requested. 

XXXX of XXXX KCI reported a {$770.00} collection to my three credit reports. I disputed the amount and KCI responded that the information was accurate. 

I spoke with XXXX on Friday XX/XX/XXXX and discovered the account was paid by XXXX XXXX, leaving only a copay due to {$190.00}. I spoke with KCI on Monday XX/XX/XXXX and informed them of the correct balance, they refused to contact XXXX for updates and will not remove the item from my credit report. I have offered to pay both XXXX and KCI the correct amount but they can not get it clear d up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX MEDICAL Date Updated : XX/XX/2019 XXXX HOSPITAL Date Updated : XX/XX/2019
Product: Checking or savings account

Bank of America is not being honest and took money from my joint account with XXXX XXXX. There is no wage garnishment against XXXX XXXX who is XXXX  XXXX and stays at my residence. There was nothing served or filed with the courts. The Case Number is a Collection Debt Agency, NOT a Court Order. XXXX XXXX has never been contacted by anyone for this debt that is beyond the statute of limitations in the State of Florida for collection. 

We are requesting the money be returned to my account with interest. XXXX XXXX and I have tried to get a copy of this supposed wage garnishment and there is not one, it does not exist, and it is beyond the State limits to collect on this account or even obtain an order. Bank of America refuses to provide a copy of the Lawyer or Court Filing Information. 
There is a pending case XXXX that this is being added to now that Bank of America has responded to that case, this is a new case since they refuse to supply proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX. I work for XXXX. Fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXX Account Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Checking or savings account

I was supposed to get paid two days ago. Capital one has not issued my deposit to my account. I have no funds. Ive asked capital one to reverse or cancel the deposit so my employer can reissue it they are refusing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I pulled my transunion credit reports and the other credit reports after being denied a loan XXXX since this time I have been trying to get my credit inquiry on XXXX from XXXX  ( membership I never requested ) and aka XXXX XXXX XXXX XXXX No response I want to know who signed me up for this membership that monitors transunion credit reports. 
I had Transunion XXXX  XXXX  XXXX XXXX XXXX auto XXXX  TRANSUNION XXXX on my reports twice All these companies doing inquiries done All this done in 1 weeks time from XXXX thru XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have concerns, Continental Finance Company LLCs attempts to collect a debt in violation of the Uniform Commercial Code ( UCC ). The company claims to have transferred or sold a promissory note to a third party but continues to assert collection rights. Under UCC provisions, once a promissory note is transferred to a third party, the rights of a holder in due course can not be further transferred. This creates a break in the chain of title, invalidating the rights of Continental Finance Company LLC the third party to enforce or collect the debt. This is a Improper Transfer of the Note. The promissory note in question was transferred by Continental Finance Company LLC to a third party. The UCC prohibits further transfer of rights associated with a holder in due course, creating a break in the chain of title.Due to this break, neither Continental Finance Company LLC nor any subsequent transferee can legally enforce the note or claim the right to collect. Continental Finance Company LLC, directly or through an intermediary, has engaged in collection activities, including phone calls, letters, credit reporting. These actions were taken without sufficient proof of legal standing to enforce the debt. 
The company has failed to demonstrate compliance with UCC provisions governing valid transfer and enforcement of the promissory note. This failure infringes on my rights as a consumer and subjects me to improper collection practices. Under the UCC the rights of a holder in due course are specific to the initial holder and can not be transferred to another party. Any break in the chain of title invalidates subsequent claims to enforce or collect on the note. Continental Finance Company LLCs actions violate these principles and my consumer protections under the UCC. I request that the CFPB Investigate Continental Finance Company LLCs compliance with UCC provisions regarding the transfer of promissory notes.Require Continental Finance Company LLC to cease all collection activities due to their lack of legal standing. Ensure that any derogatory credit reporting or adverse actions related to this invalid claim are reversed. Impose penalties or corrective measures to prevent further violations of this nature by Continental Finance Company LLL I request that the CFPB promptly address this matter and take action to uphold my consumer rights under UCC and PRIVACY ACT OF 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1900.00}
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from MRS BPO , LLC which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. 

I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

I have tried to receive help from Nationstar LLC a/k/a Mr. Cooper, but their process is confusing. It responded to a compliant I sent to the CFBP, but I indicated in my response to its answer that it was confusing and Nationstar LLC did offer any assistance or a clear evidence as to why it will not provide a loan modification nor other program to help. It told me to write to their representative. I have attached my letter to this complaint. However, I have written to their representative, XXXX XXXX, more than once, and I have not received a response to any of my correspondence.
Product: Credit card

Timeline XX/XX/year> - Tried to purchase tickets for the XXXX XXXX XXXX on XX/XX/XXXX - Tickets appeared that they would be {$390.00} for XXXX seats - After entering Credit Card info I was directed to XXXX XXXX that was providing the tickets and the total was now over {$1300.00} - Realizing this was a bait-and-switch scam I tried to cancel - Sent a Cancel Email to XXXX XXXX. Found their policy for not allowing cancel. 
- They allow you to sell the tickets and say you will get them between XX/XX/year> and XX/XX/year> XX/XX/year> - Seeing the sophistication of the scam and the fact that I didn't get any tickets I decided to put in a dispute with our Credit Card provider Citi XX/XX/year> - Citi notified that they received the dispute XX/XX/year> - Citi tried to contact the merchant XX/XX/year> - Email from Citi says the merchant responded ( this is the day of the show ) XX/XX/year> - Citi says that the dispute was resolved and that the customer was responsible. 
XX/XX/year> - Citi sent an Email saying if we dispute further that we need to provide XXXX XXXX XXXX XXXX XXXX XX/XX/year> - I never got refunded and I never got any tickets. Citi and XXXX XXXX decided that they get their money and I get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a charge off XXXX yrs ago. I got it off my credit report and they added it back on again
Product: Credit reporting or other personal consumer reports

I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/2015 Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c
Product: Mortgage

We currently have XXXX mortgages with Wells Fargo that are VA loans : Property # XXXX is in the process of a Deed in Lieu of Foreclosure and Property # XXXX I am attempting to do a loan modification for to retain it as my primary residence. This process has been going on for over 18 months. I am having trouble with Wells Fargo in completing this. For property # XXXX, they required an occupancy inspection last XXXX and they were going to pay for it. The inspection was done but they did not pay for it I finally did in XXXX XXXX and sent them the report to finalize the process. In XXXX XXXX, they said they could not complete it due to a lien against the mortgage. They gave us the info and we contacted XXXX XXXX. They did not have a lien against that property and it was a hassle getting it straightened out. In XXXX, they send a letter saying they will have a resolution by XXXX XXXX and then another letter stating they 'd have one by the XXXX of XXXX. The loan modification for property # XXXX is in limbo until Property # XXXX gets resolved. I applied for a loan modification last year, paid a monthly forbearance from XXXX XXXX until XXXX XXXX. The one for XXXX was sent back and I was told that it is in Foreclosure status. I spoke to a representative that said to reapply for the loan modification. My issue is that I speak to different representatives, leave messages with no return calls and am disrespected. We have done what was asked of us by Wells Fargo and are led in circles with no resolution. I was told that I was safe from foreclosure on property # XXXX until property # XXXX gets resolved. The financial hardship began in XXXX when we divorced and I retired in XXXX XXXX from the XXXX XXXX. Property # XXXX was being rented until the tenants did not pay their rent and we could not afford to pay it for a period of 12 months. We had mortgage on property # XXXX, which was the primary residence of my ex-husband, and I was paying living expenses while XXXX. 
In XXXX XXXX, we receive paperwork stating that we have to do the process again to request a Deed in Lieu of Foreclosure for property # XXXX. This was at the final stages prior to them telling that there is a lien when there is n't. 
For property # XXXX, I am told to submit paperwork, like paystubs, request for mortgage assistance and XXXX to see if there is any financial changes. Nothing has changed, I am just waiting for property # XXXX to get settled in order to have my loan modified in my name. They also charged the lawyer fees to my delinquent payments that are in excess of {$1000.00} when it was them that hired the lawyer. 
I appreciate your assistance in aiding me keeping my home and for dealing with the sticky red tape with Wells Fargo.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX$1400.00} I am not aware of this account nor did I sign a contract with this debt collector for this account and this account has reported this to my Equifax credit report. This is causing damage to my credit report and preventing me and my family from move forward in life. I requested for information to provide proof this account as mine, and I have not heard anything.