23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A letter from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector conveys in its letter that XXXX XXXX XXXX, XXXX XXXX ( " XXXX '' ) is a servicer. The tort Is that XXXX has XXXX standing to foreclose according to the definition of " creditor '' in the Fair Debt Collection Practices Act ( FDCPA '' ). 
Go to the XXXX Attachment. 
Approximately two weeks later, a XXXX XXXX XXXX from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector, conveys in a letter that SHE has been retained by XXXX, and XXXX is not listed as a servicer as the First Attachment conveyed, but as a Creditor in the Third Attachment. 
Go to Third Attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated by Experian, XXXX, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was XXXX  in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of late payment by Heights Finance to the credit bureaus. According to their records, a payment is falsely reported as late. These alleged late payment were made on time, yet this incorrect information remains on my credit report, causing harm to my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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 

Section 611 ( a ) Right to Dispute Inaccurate Information : If a consumer disputes an inquiry as unauthorized or incorrect, the credit bureau is required to investigate the claim. Failing to investigate or not removing the inquiry after the investigation could violate this section.

Section 605 ( a ) Reporting of Inaccurate or Obsolete Information : If the inquiry is proven to be inaccurate, outdated, or unauthorized, it must be removed. Failing to do so could lead to a violation of this section, which governs the reporting of accurate information.

Section 611 ( d ) Consumer Notification : If a consumer files a dispute, the bureau must notify the consumer of the results of the investigation. Failing to provide timely notification could be a violation of this provision.

Section 607 ( b ) Accuracy of Reports : Credit bureaus are responsible for maintaining reasonable procedures to ensure the maximum possible accuracy of information in credit reports. Retaining unauthorized or inaccurate inquiries could violate this section if the bureaus fail to uphold these standards.

Section 604 ( f ) Permissible Purposes of Credit Inquiries : Inquiries should only appear on a credit report if they are for permissible purposes ( e.g., when you apply for credit ). If an inquiry appears on a consumer 's report without such permissible purposes, it may be a violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days ago since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to get a house and can not move forward without supplying these results.
Product: Student loan

Good Afternoon, I hope this email finds you well. I am reaching out today after trying to work with XXXX. 
I am trying to understand why I have negative reporting on my credit reports and I cant seem to get any support from XXXX so I am reaching out to find out if you can identify someone who can assist me. I need this negative reporting to be corrected and or retracted. I recently reviewed my credit report and noticed that there are negative marks associated with my loan, which are impacting my credit score adversely. I paid my loan roughly {$XXXX  a month until I lost my job. I believe the XXXX had a moratorium on student loan repayment due to Covid. At that time I called in to stop the automatic draft and completed a deferment application on the phone with a representative. Once I notated the adverse reporting I called in to XXXX and completed an IDR. I believe the negative information no longer accurately reflects my current responsible repayment behavior. 
Given my commitment to honoring my financial obligations and my efforts to improve my creditworthiness, I respectfully request that you consider assisting me in removing the negative information from my loan account. Doing so would greatly assist me in achieving my financial goals of repaying the {$XXXX} and would put me in a better quality of life. 
I cant seem to get any where with customer service and this misinformation in reporting is having an impact on prospective employers and lenders. I am researching going into a women owned small business endeavor and can not do so with lenders with this negative reporting. Having such opportunities would provide me the ability to satisfy the loan. I attached a copy of the activity on my account-I have having difficulty understanding why there is negative reporting as I applied for the programs that would provide me support during these times. 
Any assistance and guidance you can provide is sincerely appreciated. 
With gratitude XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the amount owed to this company thru escrow of XXXX . Back in XXXX. The check was cash by them and we have proof. Now they are saying it was never paid off.
Product: Checking or savings account

XX/XX/XXXX I had XXXX XXXX XXXX call me and told me they had approved me for a loan. I did research and thought this man that called was an honest and true lender. I gave them my account and routing numbers well this man somehow figured out my mobile banking information and decides to mobile deposit a fraudulent check into my account for XXXX. He made the check to me XXXX XXXX, but signed the back of the check with a different last name that I have never had. HSBC then proceeds to lock my cards and my accounts both checking and savings and are still locked today. I for the last month have heard that they were closing my account and sending me a check. Because I work for the state of GA we only are paid on the XXXX and Last working day of the month that was two checks in the bank they are holding hostage. I could not buy my kids XXXX, my daughters XXXX  gifts, cant pay bills, and had two cars taken from me because I had no money to pay for them. I have screen shots where I have chatted with the bank and them saying i would have my check in 2-3 days and yet nothing. I have spoke with customer relations reps but they refuse to close my account. I need that money desperately. I am a single mom and I am behind on everything now. Im having a XXXX XXXX XXXXXXXX in XXXX different days XX/XX/XXXX and XXXX so I will be out of work. Please help me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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
Product: Mortgage

So my first complaint is closed that the company responded. Unfortunately I still need help as the agent they assigned to me dropped the ball. He left me a voice mail on XX/XX/XXXX that he was leaving on vacation and needed more time to research. He then neglected to return any of my calls until XX/XX/XXXX. on XXXX I logged in and see his letter in regards to the payments lost. This agent uses the words " claimed '' to refer to me as if I am lying and states they received my payments in XX/XX/XXXX. That is very clear as that is when I finally made the payments for the back months that PNC couldn't find from the online bill pay done my bank that came out of my account that they could never find. After 90 days of trying to remedy the situation I finally called my bank and had them research and cancel all 3 payments so I could do a check over the phone to catch the account up. I was charged multiple fees and this resulted in negative credit reporting. The agent never got back to me and I know that are notes on the account of me trying to remedy that solution. My credit was marked with a 30 day late and a 60 day late. This holds me XXXX to PNC as I can't refinance my mortgage with a competent bank until I have 12 months of no late payments. 

The first issue was the condo policy insurance that happened every year and he references in his claim that renewal documentation wasn't in time during XXXX. Well I am not surprised that is exactly what I told him the years of previous insurance issues were from. The HOA will not provide to the mortgage company, PNC never sends the request to me for the insurance to provide, they only notify the HOA and I am never notified until I show up as making a partial payment and then provide the insurance -- -every year this results in fees and typically a 30 day late. 

They did not remedy the situation, in fact the agent went on vacation and closed this out. I never got the follow up needed. Please help me in holding PNC to the federal regulations that they are required to abide by.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is Experian and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.
Product: Credit card

I applied for a credit card balance transfer at 12.24 % after 18 months at introductory 0 % rate with a 2 % balance transfer fee with Chase Bank on XXXX XXXX, 2016 on a credit card I have had for a very long time that was recently paid off. I was requesting a transfer from a XXXX credit card I have through my credit union, XXXX XXXX XXXX XXXX. The expiration date of the offer was XXXX XXXX, 2016. It said it would take up to two weeks for the offer to process. I checked online and it showed my transfer as processing for a couple days, but shortly after the request I was unable to access the entire balance transfer section online, including the offer page and transfer status page. When I called yesterday after waiting the alotted two week period with no transfer going through, they told me it did n't go through due to suspected fraud and that they tried to contact me, and said they would not honor the balance transfer terms since they had expired. I could instead do a balance transfer for only 12 months at 0 % with 12.24 % after but with a 3 % balance transfer fee. I was never contacted either through email or phone about this suspected fraud and was as stated unable to access the area online before the phone call. When I went online immediately after the phone call, suspiciously all of the information was again accessible with just the currently active balance transfer offer available. 

I am concerned that they were doing some sort of bait and switch to get more out of fees and a shorter 0 % period. I told them I was uninterested in that offer at this time after the customer service rep offered to do the transfer with the current higher fee offer right there over the phone. I am also concerned that they are doing this with other customers as well, and I just wanted to share my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E .These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

XX/XX/year> received a text that stated BofA credit card had been approved. I called BofA and reported fraud because I didnt apply for a card. I find it odd that the credit card is being mailed to my residence. 

I researched and found that BofA has a history of opening new credit card accounts without customer consent and was fined by the CFPB.
Product: Debt collection

Source recievable management PO BOX XXXX XXXX, NC XXXX I have been recieving calls on a XXXX XXXX that I owed ... The collector calling me was rude right as soon as I questioned the amount. I have a right to ask about a such a large balance ... I want to be sure that the amount is correct and such and see the chain of debt ... thats not a problem plus it is my legal right. After finally agreeing give me an address she followed with " collection activeties will continue after the validation process has begun '' ... I know this is a direct violation to the FDCPA. fURHTER THAN THAT, HER TONE AND ATTITUDE TOWARDS ME STATING " WELL ITS A HIGH BALANCE AND YOUR TRYING TO DISPUTE THIS ... YOU KNOW THE TABLETS YOU HAVE '' is beyond harassing ... You have no idea what I may have gone through or may be going through ... I am humiliated to be talked to like that ... This is embarassing to be in this situation to begin with ... I am going to be having an attorney help me resolve this if the company is unable to resolve this ...
Product: Credit reporting

I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Experian to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Experian is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these two USAA delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below Usaa XXXXxx Usaa XXXXxx
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how Equifax is able to 'verify ' anything with original documentation. I am nervous that they are using the e-Oscar system to verify the claim, and I did not consent to that at all.
Product: Checking or savings account

On or about XX/XX/2023, at approximately XXXXXXXX XXXX, as I have done in the past, I deposited {$3200.00} in cash in the CHASE bank branch ATM in XXXX, CA. 

Immediately thereafter, the machine displayed a red screen while producing a transaction number AID # XXXX, also noting that " Deposit to Chk Acct XXXX To be sure your deposit went through, please call us at XXXX. XXXX '' I immediately went inside the bank and reported the transaction since I needed that money to pay for my rent. I was shocked and surprised that the representative stated that I needed to place a " claim '' and there would be a 10 day investigation. 

I reiterate that this money was intended to pay critical housing bill as I have done for the past 3 years. 

How is it possible that in this day and age a bank would advertise the convenience use of its depositing machines with these menial impediments? 

I have now incurred substantial credit expenses and fees together with anxiety and panic attacks all the fault of a grossly negligent bank. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is from XXXX XXXX of XXXX XXXX XXXX daughter signed up for the online high school in XXXX. It said in the agreement if you complete less than 50 % of the program ( that was paid monthly ) and cancel you will not have to pay anymore and entitles to a refund. She completed only 10 % of the entire program and decided to go back to public high school and they charged us for the entire cost. It's been five years and they have not refunded but put the account in collections and after 5 years. We should not have to pay for what what she did not use. 
I got a certificate from them in XXXX under the career school and paid in full. They used my information to attach to my daughter 's account to report a collection. She was XXXX at the time she signed up and they took advantage of her situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Credit Karma guaranteed me a personal loan at XXXX  % or they would pay me {$XXXX}. I was approved for a loan with their link at XXXX  % and they will not honor their offer. They also lied on this resulting in an unwarranted hard inquiry to my credit report where they should be held accountable for not providing accurate information prior to lending offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has reported late payments on my consumer report for the months of XX/XX/XXXX through XX/XX/XXXX. These payments were never late. This reporting is inaccurate and a violation of XXXX XXXX reporting standards for accuracy and completeness. 

In addition according to 15 USC 1681a 2 ( A ) ( i ) a consumer report does not contain any report containing information solely as to transactions between the consumer and the person making the report. I am aware that I am the consumer and Ally Financial is the person making the report. This reporting is a violation of my consumer rights.