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

After inspection of m y credit report, I noticed that there are names and addresses on my report and I do not live there nor use the names being reported. I do not have access to these addresses and names and I would like to prevent identity theft. I do not want any mail that has my personal information to be given to individuals I do not know. Please help me prevent identity fraud Thank you
Product: Debt collection

I received documents from a 3rd party attempting to collect a debt with an additional {$900.00} overage with documents that I never received nor signed. 

The said documents has a manager signature with the date of documents not being dated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX repo my car In XXXX  OF XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXX. THE XXXX  ACCOUNT. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM REPO MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY GAP INSURANCE FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

Rushmore LM is not offering mortgage relief per the CARES ACT. They are still stuck on the general terms before the pandemic, roughly 3 months, balloon payment or payment spreading to get back in their good graces. Otherwise, foreclosure proceedings. 

I have talked and chatted with 4-5 different Rushmore LM representatives and they claim that their management has not given any new guidance. I have filed complaints with the CA Attorney General and the TX Attorney General. 

Rushmore LM needs to stop scamming us. They are not following the law. I would like to have to ability to change my mortgage service company.
Product: Credit card or prepaid card

I rented a car and was double billed. 
On XX/XX/2022 I booked a rental car for my vacation using my XXXX  miles. XXXX miles where deducted from my credit card along with {$190.00} was changed for the taxes etc. 
On XX/XX/XXXX my credit card was changed {$1200.00} for the same rental car. 

XX/XX/2022, I open a case on this problem and emailed them the back up showing the double bill. " XXXX '' XX/XX/XXXX, I received a letter dated XX/XX/2022 that my information was received and was being sent to a dispute specialist. It also mentioned, if there was any additional information to ensure a strongest case, they would reach out to me. Letter attached. 
XX/XX/2022, I received a letter informing me that my clam was declined because they did not receive any documents. 
XX/XX/2022, I reached out to them and faxed, emailed, and mailed them all the back up information. 
XX/XX/2022, I call because I hadn't heard anything from them and the change was still on my bill. They said they received all my information and it was under reviewed by a dispute specialist. 
XX/XX/2022, Received another statement and the change is still on my bill. When I called they said it is still under review but i will be hearing something with in 7-10 business days. 
XX/XX/2022, Called again because still no information and my new statement came in with the changes still on it. Was told I had to call back during regular business hours. 
XX/XX/2022, Called back to get the same answer I received in XXXX. My case is being reviewed by a dispute specialist and I will here back with in 7-10 business days.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report tonight, and I have no idea how this happened. When I checked my credit report, as I usually do, I was stunned to find unexplained discrepancies. Refreshing my browser didnt helpit wasnt just a glitch. These errors remained even after multiple attempts. Because of this, I am asking for a thorough review of the documents Ive provided so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the Equifax data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.
Product: Checking or savings account

On XX/XX/XXXX, Chime systems were down. In the process of their systems being down, I attempted to transfer funds from that account to another account. The transaction declined on one end, but showed pending on Chimes end. I called And spoke with a representative that day who said that it will be back in my account that day. The next day it was still pending. I reached back out and spoke with another representative who told me it could take up to 3 days and to call back. On Friday, the funds were still pending. I spoke with a supervisor named XXXX who assured me it would be back in on the seventh day. On XX/XX/XXXX, I spoke with chime again who advised me to call back. On XXXX, I spoke with a supervisor named XXXX who told me I could file a dispute that will take up to 90 days and theres no temporary credit to be applied. It has been seven days and the transaction is still pending and Chime will not release my funds despite seeing that the transaction was cancelled by the other bank.
Product: Money transfer, virtual currency, or money service

COPY OF EMAIL RECEIVED : XXXX XXXX AM ( XXXX minutes ago ) to me Hello, XXXX XXXX XXXX XXXX Here 's your invoice Bitcoin Exchange sent you an invoice for {$490.00} USD Due on receipt View and Pay Invoice Seller note to customer You have successfully made a transaction for your Bitcoin ( XXXX ) Using Paypal, you Charged the amount mentioned in the INVOICE. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX PayPal Help & Contact | Security | XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 
Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.
Product: Credit reporting or other personal consumer reports

Greetings. I am disputing a charge-off that is listed on my credit report. The account in question is with XXXX XXXX XXXX for a retail installment contract. Page 3 section 2 ( c ) acknowledges that the security interest that I gave to XXXX, secures all that I owed on the contract as well as other agreements in the contract. Instead of abiding by signed contract, XXXX repossessed the vehicle for non-payment and reported this information to credit bureaus. Additionally, Experian and XXXX have refused to reflect that the account has been properly paid in full. Both have listed the account on the report as delinquent/collections, which is not correct. I have also contacted XXXX via phone and written correspondence, to limit the sharing of my personal information, including information about my credit worthiness, which is my right as a federally protected consumer. The representative at XXXX verified that my information would not be shared and yet the account still shows on my XXXX and Experian reports. This same information was reported to the credit bureaus in oral and written correspondence and no changes have been made. I have taken all the necessary steps to clear up this issue and still experience undue hardships from the failures of the referenced companies. I have followed the procedures outlined in 12 CFR Part 1016 to insure that I am in compliance and well within my rights, however the companies ignore these regulations. 
Furthermore, XXXX 's Privacy notice clearly states that there will be sharing of information of my transactions, experiences, and information about my credit worthiness, but only with affiliates. The notice then defines affiliates as companies related by common ownership or control. They can be financial and nonfinancial companies. This privacy notice lists the companies deemed as affiliates and XXXX and Experian are NOT affiliates of this credit union, by their own definition. I have included a copy of the retail sales contract verifying the full payment of the vehicle I purchased as well as the privacy notice provided by XXXX that confirms that I am not only well within my federal rights to limit the sharing of my personal information, including info about my credit worthiness, but also to highlight that even when I followed the directions that they have provided, I have still been denied my requests.
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. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX XXXX XXXX XXXX : Amount : {$4700.00} Account # XXXX XXXX XXXX XXXX : Amount : {$1400.00} Account # XXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681 section 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one performed a hard inquiry on my credit report that I did not authorize.
Product: Credit card or prepaid card

I received a solicitation online from Wyndham when setting up a hotel reservation. Said you'll get {$50.00} off the hotel room and a VISA card with Rewards issued by Barclays Bank.. So I got one and used it on a trip. They gave me a {$50.00} statement credit and I racked up nearly XXXX points on charges exceeding {$2500.00}. When I tried to redeem the points I went to the redemption site but it claimed I did not enter the correct info, my Wyndham Rewards Membership No., my email address and my ZIP. ( All of which were exactly as on my statement ). On XX/XX/XXXX I tried calling Barclays but they refer you to the ( outsourced ) Redemption outfit whose phone system said waits exceed one hour! 
The card looks like a scam. The Bank is responsible for its agent 's failure to perform under principal - agency law.
Product: Student loan

I went to XXXX XXXX and that school shut down due to Fraud. My Degree in XXXX XXXX is worth nothing to me since we didn't learn anything. Our professors and teachers gave us the answers to all of our exams. Everyone in our class always passes with great numbers. I don't anyone ever got a C in any of our classes. everyone passed with an A or a B at most. I am now stuck with a huge student load and not working in the field I went to school for. It's like I took out a loan for absolutely no reason. 
I am the only one working in my household and supporting XXXX kids, wife and a Grandmother. I do not have the fund or make enough money to make this monthly payment. I have spoken to the company who holds my loan and told them my situation. They have not done a single thing expect gave me a 2 month deferment and then raised my monthly payment. If I couldn't afford the original payment how can I afford a higher payment. 
I need some help and any help world be highly appreciated by my family and I Thanks,
Product: Mortgage

Submitted loan application for a second home on XX/XX/XXXX. An interest rate of 3.375 /  20 % down / 30 year fixed was locked in XXXX XX/XX/XXXX received questions on it being a second home vs. an Investment Property. Sent Letter of Explanation of property being a second home. Between XX/XX/XXXX to XX/XX/XXXX. Multiple needs lists were sent ( nothing to do with it being an Investment Property vs. Second Home ). I was communicated to multiple times that a conditional approval was coming. The appraisal was completed on the property by a BofA Appraiser. I was requested to have my CPA draft a letter allowing the use of business funds for downpayment. I paid my CPA to have that letter drafted. I then spent 20-30 + hours of work on putting together all of their needs requests and completing all the items requested. 

On XX/XX/XXXX. I received another set of questions on the home being a second home vs. an investment property. This is home is a second home and being rented for short terms rentals to the published guidelines of Bank of America. I drafted a very long letter and included our history with the city of this area. On XX/XX/XXXX I received a call from the Loan Officer stating that the underwriter will not write this as a Second Home and I would be required to submit it as an investment property at a mortgage rate of 4.75 % and 25 % down. This is two days prior to when we were supposed to close escrow and over six weeks after starting application. This put me at significant risk to fall out of escrow. Two days later I received an email that BofA would write this as a Second Home ; I asked for the conditional approval with any final needs list and never received a response. 

I had to quickly get new applications in to other banks. I ran two other banks through this process. Both banks were able to take me from application to conditional approval ( just needing the appraisal ) within one week. Something I spent over six weeks working on with BofA. Both were able to get me the conditional approval before the appraisal was started. They both were able to do the loan as a Second Home. Due to the rush of having to get this application through and the mortgage increasing. I ended up with a 3.9 % rate. I knew the rates were going to go up ; which is why I wanted to lock my rate back in XXXX of XXXX. Your best rates are always on the purchase. I have lost the best rate advantage having to refinance later when rates are lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

XXXX, XXXX received statement from Jefferson Capital Stating I owe {$21.00}, XXXX to a car that was reposed and sold at an auction through XXXX I never received proof of the XXXX XXXX XXXX XXXX being sold at an auction for actual amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, the before mentioned credit bureaus consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I been calling Upgrade since XXXX trying to resolve an issue with receiving an email to show proof to the merchant that they still have {$810.00} pending on my card so that they can get the amount released. I called held for XXXX hours and someone disconnected the call so I sent XXXX emails asking for assistance. A couple of the emails stated to call customer service. I explained the long hold and disconnect. They responded back with that is the only way to get the issue resolved. I called back and was told that I would receive an email in XXXX business days. I did not receive the email and called back XXXX weeks later. I was told the same thing again XXXX business days to receive the email. I called back today and got XXXX was rude and was not listening. She continued you ask me to reverify my account instead of assisting me. I am angry and would like to be assisted without the frustration.
Product: Debt collection

I reported credit card lost a year ago from today which is XXXX XXXX 2016. But never got issueed a new card so I have n't use my credit card since. Recently I receive enormous amount of XXXX balances in mail which is not use under my consent and my credit line limit only up to XXXX. I contacted the bank but they 're unable to resolve this issue and keep charge high sum of interest rate. I asked the creditor to provide statement but it has been several months now and I believe they failed to provide and comply with my request. My credit score are excellent currently at XXXX and I really do n't want this situation to jeopardize my credit score.and I would cfpb to take this matter into action as soon as possible
Product: Payday loan, title loan, personal loan, or advance loan

I believe I have been victimized by OneMain Financial 's deceptive sales practices as outlined in the CFPB 's recent order. 

I was led to believe that an add-on package would be necessary for the refinancing of my new OneMain plan Due to excessive add-ons and accumulated interest, I defaulted on my account. 

Despite my efforts to resolve the issue with OneMain, I was unable to reach a satisfactory agreement. 

This led to a lawsuit against me, resulting in additional fees and wage garnishment.
Product: Credit card

I have a PENFED CREDIT UNION XXXX XXXX XXXX since 2012. I have made balance transfers in the past and pay them as the offer expires. At the moment I have various balances at various interest rates in the same card. Since last year ( around XX/XX/XXXX ), I have noticed that the payments I sent, were not been allocated to the highest interest balances. They were distributed among all balances ( including the 0 % ones ). This was not like this before. As an example, there was a remaining balance of XXXX XXXXXXXX 15.24 % in my XX/XX/XXXX statement. I made a payment of {$450.00} ( more than the minimum payment of {$190.00} ) but to my surprise, the balance in XX/XX/XXXX was {$85.00}. Only {$3.00} was credited to my highest interest balance. This is unacceptable and will not make it possible for me to pay the highest interest balance. Today ( XX/XX/XXXX ) I contacted customer service of Penfed to ask them to allocate my payments to the highest interest balance. They stated that this was not possible, that payments are distributed proportionally to all balances. I told them this was against the law, but the representative repeated the way they are doing things. Please help so that PENFED CREDIT UNION complies will the Credit Act.