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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called conns who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
Product: Credit reporting or other personal consumer reports

Please remove this false account from my credit history. I never approved of its production or use. I've included the required paperwork to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Product: Credit card or prepaid card

I bought merchandise from a seller in XXXX named XXXX around XXXX XXXX. The merchandise was damaged so I asked the merchant for a return address they never responded. I contacted my credit card company to dispute the charge they made a dispute. They got in touch with the merchant and all the merchant provided was the picture with the box delivered to my home. I let them know the products inside the box were damaged and they didn't care they said I had to get in contact with the merchant, if not I still had to pay. In XXXX XXXX {$130.00} I was billed by XXXX. I emailed them to get return labels and I couldn't. I only got inner receipts that are not used for return purposes. They never release any information on where I could send the defective. Before I contacted Capital One I contacted the FTC. I provide to Capital One all the documents like screen shots of me trying to contact XXXX XXXX XXXX they sent me a letter from Capital One that they have received the required documents they don't have enough information to validate my dispute.I even included screenshots of the phone calls that I did from my laptop to XXXX in XXXX at their tel # XXXX -- XXXX, but they never had any live person to answer my phone calls or any options to leave a voicemail, they never responded my emails asking for a return label neither ... ... ...... I called today Capital One on XXXX XXXX at XXXX XXXX and asked to speak with their supervisor. I was connected to XXXX. I explained XXXX from Capital ONE that I was not given from the seller a return label and neither a return address for my items. XXXX insisted that in order for me to get a refund I should return the items even though there I had no destination. I repeated the question again to XXXX and asked her if she understood that there is NO WAY that I CAN RETURN THE ITEMS, if I did not know their return destination, but she insisted that regardless to that I should return those items at nowhere .... I was told there was nothing the Capital One Dispute team could do to return back the {$130.00} into my account and I closed my account with them that same day at the end of conversation with XXXX. I let them know that they don't protect their customers. Capital One told me, if I wanted to win the case I would have to get a clothing XXXX and that maybe I could win the dispute. I have attached supporting documents to this complaint. I will mail them via certified mail. I could NOT attach them here, because my papers were more than XXXX. It was torturing to label all my XXXX XXXX pages with my name address, complaint # and my mail address on them.Please allow for us at least to submit XXXX ( XXXX XXXX pages ). I only had XXXX ( XXXX XXXX ) pages and the system here did not allow me. It is a shame and torturing to do this to us. Please inspect these issues and do what is needed to be done. Please kindly confirm that you received those papers via certified mail by calling me at XXXX. THANK YOU!
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX OpenedXXXX  Balance : XXXX. THIS ACCOUNT IS CEASE AND DESIST BUT THEY KEEP CALLING ME AND SENDING IN TEXT AFTER I REFUSE TO PAY THIS NO CONSENT ITEM THATS REPORTING ILLEGAL INFORMATION 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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.

15 usc 1692c/ 15 usc 1692g ( b ) not valid and violating 15 usc 1692 ( 8 ) ( E )
Product: Credit reporting

I disputed a bankruptcy on my credit report, which came back verified. I checked with XXXX and the bankruptcy had been removed. I sent proof to the credit bureaus but they stated that they would not reinvestigate.
Product: Mortgage

Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.
Product: Money transfer, virtual currency, or money service

Last year my Pay Pal account stopped working. We had received payment from a customer for additional shipping but Pay Pal would not allow us to transfer that payment to our bank account. Instead Pay Pal permanently limited our account. I have tried several times to find out why our account had been permanently limited, but when I call Pay Pal they will not tell me why they closed our account. We have roughly {$84.00} in our pay pal account and we are not able to have that money sent to our bank account either. Every customer service person I speak to is in a foreign country. I still do not know what has happened for our account to be permanently limited. Pay pal seems to keep our money and not give us any answers.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Personal Information : XXXX Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I never applied for a loan with this company XXXX Today XX/XX/year> i received a letter from QUEST LEGAL GROUP NOTICE OF LAWSUIT & CIVXXXX COMPAINT.
Product: Mortgage

I applied for a refinance with Iberia Bank. I was told that I was locked into a 3.375 % interest rate multiple times by XXXX XXXX. I signed the disclosures and provided information for appraisal to be ordered to move the process forward. Two days later XXXX ( who previously was so anxious to talk and text ) sent an email stating that she actually hadn't locked the rate and it had increased to 3.875 %. This equates to $ XXXX per month, $ XXXX more annually and over $ XXXX more throughout the life of the loan. While I understand mistakes happen this is one that is completely within Iberia 's sandbox and I shouldn't be penalized from a financial perspective.
Product: Credit reporting or other personal consumer reports

Subject : FCRA Dispute Regarding XXXX XXXX Account I am writing to formally dispute the information being reported on my credit file regarding the account with XXXX XXXX. Below are the details of the account in question : Account Name : XXXX XXXX Last Reported Balance : {$1100.00} Credit Limit : {$800.00} Opened : XX/XX/year> Payment Status : Charge-off Dispute Details : The reported balance of {$1100.00} exceeds the stated credit limit of {$800.00}, indicating either an error in the reporting or account management. 
The payment history reflects a 3 % on-time payment rate ; however, detailed verification of this information is required to confirm its accuracy. 
The account 's " charge-off '' status lacks supporting documentation to substantiate this claim. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting of information. Please conduct a thorough investigation into this matter and provide the following : Evidence of how the reported balance and payment history were calculated. 
Documentation validating the charge-off status. 
A complete list of actions taken to verify the accuracy of the information. 
If errors are confirmed, I request an immediate update and correction of my credit file to reflect accurate and complete information. Additionally, I expect written confirmation of any changes made to my report. 

Please be advised that failure to resolve this dispute promptly may result in further actions to protect my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. I consistently ensured timely payments, so I'm puzzled by an error in my credit report.
Product: Debt collection

Back in XX/XX/2009 I had legal matter that I took care of back in XXXX and now 12 years later the XXXX  court is saying I have a debt of {$920.00}
Product: Credit reporting or other personal consumer reports

XXXX put negative information on my credit report about a company I never did business with and my person information was hacked o XXXX XXXX and XXXX and my personal information was stolen. I filed a report about identity theft and would use to create and account that was stolen through identity theft. XXXX will not respond through my calls or through their web site. I have did everything that is possible to solve this problem and I have frozen my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Mortgage

I am submitting this formal complaint against Pennymac for inaccurately reporting 60-day and 90-day late payments on my credit report while I was on an approved forbearance due to a medical leave from work.

I was placed on a forbearance with Pennymac in XX/XX/XXXX due to my medical leave. Throughout the forbearance, I maintained communication with Pennymac and was assured that I would not be negatively affected during this period. I was informed that my forbearance would be reviewed monthly and that a representative would contact me to verify if I still needed the forbearance. However, I never received any calls or follow-ups.

Without prior notice, my forbearance was abruptly ended in XX/XX/XXXX, and I was forced into a loan modification. During the loan modification process, I was explicitly told that my credit would not be negatively impacted and that I was protected from adverse credit reporting during both the forbearance and loan modification process. 

Despite these assurances, Pennymac wrongfully reported me as 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. These reports were made while my loan was in forbearance and during the loan modification approval process, which I was repeatedly told would not affect my credit. 

Additionally, in XX/XX/XXXX, XXXX, my employer, provided me with partial salary payments through short-term XXXX benefits. As soon as I received these funds, I made a payment to Pennymac on XX/XX/XXXX. Despite this, Pennymac still reported my account as delinquent, further damaging my credit score.

These misreported late payments have had a severe impact on my credit score and financial well-being. I have attempted to resolve this issue directly with Pennymac, but they have failed to correct the inaccurate reporting. I am requesting that CFPB investigate this matter and take appropriate action to hold Pennymac accountable for their deceptive practices.
Product: Credit card or prepaid card

US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XXXX. This is a major violation that needs to be removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will continue to file a complaint and have already escalated to my states attorney office. I have been requesting a method of verification since XXXX. All I keep getting back are letters claiming items I am disputing have been verified. Do to my FCRA I am entitled to receive any signed documents or information they have on file which are none. I just got a letter stating they will not reinvestigate however never a letter providing method of verification. XXXX  and XXXX  have removed the information because it is not mine. I am aware of the fake e Oscar system they use, where is documents showing I have a signed contract with XXXX XXXX, it is not one because I never signed anything with them. I need to see verified documents that you supposedly have. Once again I have already escalated this to the states attorney and if need be will be going the legal route. All I have been asking is for proof of verification which is my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  XXXX Account XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COMNWLTH FIN is claiming that I owe them {$910.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Vehicle loan or lease

I have a used car auto loan with Car Max Auto Finance ( CMAF ). When I pay more than the amount due, CMAF " holds '' or escrows the money instead of applying it to the principal balance. CMAF states on it's monthly statement " Please call use if you prefer that we only apply excess payments to your principal balance without further advancing due date ''. CMAF refuses to honor this request on the account and insists that I call every single time I want excess funds applied to the principal balance. 

On XXXX XX/XX/2023 I spoke with " XXXX '' at CMAF who applied {$890.00} of money to my principal balance of approximately {$9400.00}. 

I believe CMAF is engaged in billing practices which unjustly increase the interest paid by consumers over the life of the loan. CMAF continues to earn its full interest on the loan by " holding '' the money interest free. When asked CMAF employees had a difficult time telling me who the regulator was. They stated that they follow FDIC practices and seemed confused when I let them know FDIC is deposit insurance for bank accounts. 

I have never been late on my loan and intentionally pay more than the amount due to reduce my interest expense and pay off my loan earlier. I find it infuriating that I have to call them if I don't want to give them free use of my money until they apply it to my loan.