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

VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.
Product: Credit card

For complaint-id : XXXX, against Apple and/or Goldman Sachs XXXX I provided proof of XXXX transacations that were confirmed by XXXX to be refundable. I received XXXX emails, on XX/XX/2024 and XX/XX/2024 stating that the charges would remain on my account. They did not properly respond or investigate with the given proof that my transacations went through, but service was not received ; in addition, I worked with the gaming company XXXX to confirm what happened and was confirmed to be eligible for refund of XXXX amounts {$43.00} x XXXX, or {$87.00} in total. Therefore, Apple/Goldman Sachs has not appropriately responded. Ive attached a screenshot with proof from the gaming company that I am due a refund of purchase of XXXX XXXX XXXX with the purchase IDs, of which were provided in the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against EXXON/CBNA has run my credit without my authorization and left authorization hard inquiry that impacts my credit so i submit a fraud alert on 3 credit report companies and identity theft EXXON/CBNA Oil Company Credit Cards Inquiry date : XX/XX/2019 2019
Product: Credit card

This will be my 10th times trying to remove the fraudulent inquiries w/ Equifax XXXX i did send FTC and yet they invalidate it. I am clueless as to how should i remove it. I know my right as per FCRA. So i am making this CFPB report to further reinforce the deletion of the following fraudulent inquires from Equifax credit report with their corresponding inquiry dates : 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: Debt collection

Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX Washington XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XX/XX/1988. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX Washington XXXX. Thank you. 

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

Subject : Complaint Regarding Deceptive Practices by TransUnion and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to file a formal complaint against TransUnion for engaging in deceptive practices and violating the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and despite providing the necessary documentation, including a police report and other evidence, TransUnion has failed to properly address the fraudulent information on my credit report. This includes the repeated reinsertion of fraudulent accounts, even after they have been blocked or removed, and a lack of communication or investigation regarding these issues. 

Here are the details of my case : Identity Theft Incident : I am a victim of identity theft, and the individual responsible has been arrested and charged. I submitted a police report and supporting documents to TransUnion as proof of the fraudulent activity and requested that they remove the fraudulent accounts from my credit report. 

TransUnions Actions : TransUnion initially removed the fraudulent accounts after I disputed them. However, after a few weeks, these fraudulent accounts were inexplicably reinserted on my credit report. I contacted TransUnion regarding this issue but did not receive any satisfactory explanation or information regarding the reinsertion or from the data furnishers ( the companies reporting the fraudulent information ). 

Repeated Reinsertion of Fraudulent Accounts : This pattern of reinsertion has occurred multiple times. The data furnishers have even changed the account numbers associated with the fraudulent information, yet TransUnion has continued to reinsert these altered accounts onto my credit report without providing any clear explanation or details about the reinsertion process. 

Failure to Investigate : TransUnion has not conducted an adequate or meaningful investigation into my dispute, as required by the FCRA. They have not taken steps to correct the fraudulent accounts in a timely manner or in accordance with the law. 

As a result of these repeated issues, my credit report contains false and damaging information that has negatively affected my credit score and caused me significant stress. TransUnions actions are in violation of the FCRA, specifically Section 1681i, which mandates credit reporting agencies to properly investigate and resolve disputes regarding inaccurate or fraudulent information.

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that TransUnion is held accountable for these violations and that my credit report is corrected to reflect only accurate, verified information. 

I would appreciate your assistance in investigating this matter, and I am happy to provide any additional information or documentation required to support my complaint. 

Thank you for your time and attention to this issue.
Product: Debt collection

This company Everest Receivable Services calls my phone number every single day, from multiple numbers beginning with XXXX area code. This has been going on for about a month now. A few times a day they call. They just called this morning XXXX/XXXX/20. Only once have they left a message looking for a lady named XXXX. I called them and explained they had the wrong number my name is XXXX and to please not contact me again. This was a week ago. They still persistently call at least 5 times a day.
Product: Mortgage

My Loan was being serviced by XXXX XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX. My Loan matures XX/XX/XXXX After I made my XXXX payment, I notice on my account on-line that 1.My escrow  had decreased and 2. There were some additional charges to my loan. I called XXXX and talked to customer service and address the issues with my loan. I was told that they had paid my my personal property tax out of my escrow early on XX/XX/XXXX. 
I then began to discuss the extra XXXX in fees that were on my loan. She said that she couldn't tell me why I was being charged Legal Fees Due XXXX Other Fees Due XXXX and Late Fees Due XXXX. I told her I did not incur XXXX in late fees on this loan. I also told her my loan had never been modified or ever been in no foreclosure. She then stated that I would have to talk to somebody in another department. So on XX/XX/XXXX I received a call from Fay Servicing telling me that they were taking over the loan with 2 payments left. So I started addressing the same issues with him. He said they had just got the loan from XXXX and he could could only tell me that my principal balance was XXXX. I just wan na know why am I being charged these bogus charges. What Attorney charged us XXXX, Why am I being charged XXXX for other charges, and statements showing XXXX in late fees for this loan. 
Finally I find it kind of hard to believe that Fay servicing sent this same loan over to XXXX with over XXXX of bogus interest and principal balance that I disputed XXXX of XXXX which was adjusted. And now with 2 months left on same loan its back in the hands of Fay Servicing. Fay Servicing had all ready serviced this loan from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

I had a debt collector call me after XXXX who would not identify what organization he worked for unless I gave him my date of birth and social security information. Then when I said I would call USAA to verify the information - he insisted that he was hired to get the info from me, so it wouldnt do me any good to do that. I let him know that I do not give out my personal information to a company that I can not verify and I have that right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently discovered that Zions Management Services Corp reports on my credit that i had a 30 day, 60 day, in XXXX, and recentently a bankruptcy filled in XXXX of this XXXX  year. I filled for bankruptcy on XXXX, XXXX, XXXX, and was confirmed on XX/XX/XXXX. In XXXX of XXXX they were given a cease and desist by the law firm XXXX XXXX XXXX in XXXX XXXX due to filing for XXXX XXXXXXXX Bankruptcy. Upon recieving a court order the company then continued to report my activity pending the bankruptcy. I then contested this with XXXX Credit Agency, and Zions confirmed late payments. They then inputed that that i filed for bankruptcy in XXXX of XXXX. 

Being included in my bankruptcy requites by law that they can no longer file with any credit agency on this existing account. I believe that this is a retalitory action against me for filing a dispute. This has greatly hurt my credit score and is an illegal activity. To file a bankruptcy in XX/XX/XXXX, that occured on XX/XX/XXXX, on a charged off account from over 5 years ago. 

Attempted to correct problem with company, but could find no current information to call, as all listed numbers associated with this company state they are no longer in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Product: Mortgage

I refinanced my mortgage in XXXX and every payment since, for almost 3 years, the bank takes almost 3 times as much interest as they say they will on the statement. Every statement has a section called " Explanation of total amount due, '' and in that section it says ~ {$100.00} will go to interest and ~ {$800.00} will go to principle. Then when the next statement comes, in the " Past payment breakdown '' section it says that ~ {$300.00} has been applied to interest and ~ {$600.00} has been applied to principle. I have attached copies of the statements from XXXX so far and can provide more if necessary. I have called the bank multiple times on this issue. They say they are sending it for research then send me form letters claiming they are charging me correctly but do not acknowledge their own statements. Every payment has been auto-withdrawn by them on the due date with no issues since I opened this loan nearly 3 years ago.
Product: Bank account or service

Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.
Product: Mortgage

On or around XX/XX/XXXX, I was approved for the City of XXXX  Homestead Exemption, meaning the amount owed to the City for my property taxes has decreased dramatically, from {$580.00} in tax year XXXX, to {$54.00} for tax year XXXX. I attempted to call Gregory Funding numerous times about this decrease, so that Gregory Funding could conduct an interim escrow analysis and adjust my monthly payment per 12 C.F.R. 1024.17 ( i ) ( 4 ), but I could not get through. My most recent attempt to call Gregory Funding yesterday resulted in a Gregory Funding representative named XXXX asking me for proof of this change. I sent proof on XX/XX/XXXX to XXXX. I have not received a response. This change in my taxes is publicly available on the website for the Revenue Department of the City of XXXX. 

In addition there is a tax delinquency for tax year XXXX in the amount of {$26.00} that Gregory Funding is responsible for rectifying, as required under 12 C.F.R. 1024.17 ( k ) ( 1-2 ). Gregory Funding should have ensured that these taxes were paid out of my escrow account.
Product: Checking or savings account

On or about XX/XX/XXXX, Citibank decided to close my 5 accounts which have been opened for over 20 years. 
I was abroad, on quarantine because of the virus, and never read the 30 day notice. 
my XXXX  account was mostly affected. no automatic in or out transfers were approved and I was not able to apply for the government small XXXX relief program. 
2 of my XXXX closed me out. 
it took over a month, while my balances were frozen at Citi to get all my balances transferred to another bank. 
the bank knew that I was away and could not respond. 
my XXXX now is about to close had communications daily with a bank officer but he kept telling me that he could not divulge confidential information of what was going on. as of today, do not know why accounts were closed
Product: Payday loan, title loan, or personal loan

I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.
Product: Vehicle loan or lease

I have a car financed with XXXX XXXX XXXX, I've discovered on XXXX XXXX website that I have an offer for refinancing my vehicle with Capital One Auto Finance on XX/XX/2019 I've submitted my paperwork with them ( W-2s 1099s, employment information as well as I mailed title of my vehicle ( lien ) to Capital One Auto Finance to the address provided, since then they placed a HARD inquiry on my credit and were missing my documents, every time I called them they had an excuse such as : " we could not verify your employment because your employer doesn't wan na pick up phone '' ( provided with phone number and extension of a person to reach ), " we need full 6 months of statements, we are still missing XXXX-XXXX '' ( initially provided ), " we are missing statement for XX/XX/2019 '' ( initially provided ). 
Capital One Auto Finance are very negligent with your documents and please be aware of that. Eventually I called them demanding to remove an inquiry and reply was : " it is not you need to solve it with a credit bureau or mail an official request to our special unit ''. 
I need to spend money because you negligent? I'm so upset and fell like these people do not take their job serious. Capital One, I'm not buying a sandwich with/without a pickle, it is a vehicle refinance! 
Note : Loan number that is in a next section is an actual reference number for a loan offer that was not taken due to constant missing docs on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. XXXX recommended to submit complaint to CFPB to get resolved.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA XXXX ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA XXXX Civil liability for negligent noncompliance [ XXXX XXXX. XXXX ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$17000.00}. Please remove.
Product: Debt collection

Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur
Product: Credit card or prepaid card

I made a payment from my XXXX XXXX account to my Goldman Sachs Apple Card of {$6500.00}. It was processed XX/XX/2023. I accidentally mis-typed the last 4 digits of the card to apply the payment to. I notified XXXX and they told me the payment was already sent and that I should talk to Goldman Sachs. I notified Goldman Sachs and they told me they didn't accept money from other credit card companies. I asked where it stated that in their XXXX XXXX and the supervisor I was speaking with had no answer. I was looking at the XXXX XXXX and it does not state that anywhere. She just kept saying " we don't accept balance transfers. '' I asked if they accepted EFTs and she refused to answer me. She said she would put in a complaint on my behalf about updating the XXXX XXXX and that was all she could do for me. 

I spoke with XXXX today and was advised that Goldman Sachs had failed to respond to their inquiry about my money. I called Goldman Sachs to put in a " Missing Payment Dispute '' because I have the check trace number on the payment. The girl I spoke with said she would put in a complaint for me but refused to take the check trace number because she " didn't know what to do with it. '' She said her supervisor told her they " have no way of tracing '' my money, despite the fact that I have a check trace number, dollar amount and date Goldman Sachs received it. 

I have been told by XXXX that they have no way to retrieve the money from Goldman Sachs and Goldman Sachs is refusing to look for it. So this looks like Goldman Sachs is making out big time- they got my {$6500.00} AND they are still billing me interest on the credit card with a balance over {$6500.00}. I made a typo and tried to fix it and nobody at Goldman Sachs is trying to help.