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

I am experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.
Product: Payday loan, title loan, or personal loan

I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate information that has been reported by XXXX XXXX, specifically related to Account Number [ Account Number ]. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws and regulations. I kindly request your assistance in enforcing my legal rights to accurate credit reporting. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Violations : 1. **Fair Credit Reporting Act ( FCRA ) : ** - **Section 1681e : ** XXXX XXXX has failed to maintain reasonable procedures to ensure the accuracy of the information they report. The payment status, balance, comments, payment history, and even the account number associated with Account Number [ Account Number ] might be incorrect. 

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 1692e : ** The reported information may be misleading and deceptive, thereby violating FDCPA by using false, deceptive, or misleading representations. 

Personal Impact : This inaccurate reporting has had a profound impact on my life. For years, I have diligently managed my financial responsibilities and worked hard to build a strong credit history. However, the inaccurate information reported by XXXX XXXX has caused unwarranted confusion and stress. As a result of these inaccuracies, I have been denied credit opportunities, including a mortgage application that I had been diligently preparing for. The emotional toll and frustration of being unfairly penalized for erroneous information on my credit report can not be overstated. 

Resolution Request : I urge the Consumer Financial Protection Bureau to investigate this matter and ensure the enforcement of my rights under the law. I request that the inaccuracies associated with Account Number [ Account Number ] be promptly addressed. Specifically, I ask for verification of the payment status, balance, comments, payment history, and account number to ensure their accuracy. If these details are found to be incorrect or unverified, I kindly request that XXXX XXXX takes the necessary steps to correct or remove this account from my credit report completely. 

Enclosed with this letter are supporting documents that illustrate the inaccuracies in reporting, as well as documentation of the negative impact these inaccuracies have had on my creditworthiness and financial opportunities. 

I appreciate your prompt attention to this matter and request timely communication regarding the investigation and resolution process. Please provide written confirmation once the dispute has been resolved and the inaccuracies have been addressed. 

Thank you for your assistance in enforcing fair credit reporting practices and ensuring the accuracy of my credit history. I look forward to a swift resolution to this matter. 

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

it has come to my attention that my personal information has been exposed in a national data breech after reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 'S for validation of debt however the information has not been provided, due to my information being exposed I have submitted a FTC complaint report the information please find attached copy of XXXX Report showing my information being named in the data breech
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX was sold to XXXX in XX/XX/2019. I was fully upto date and on time with payments to XXXX. I have continued to be on time with payment to XXXX. However Transunion dropped my credit score by 55 points due to the change in accounts. This is completely  unfair. I am making all of my payments on time and am still being penalized for something beyond my control- the selling of my mortgage. 
I spoke with a manager at Transunion and he said there was nothing they could do. 
I spoke with XXXX and they said they do not report to credit agencies unless the payment is late. Again this is categorically unfair to me. My score is being docked for something beyond my control and I am doing everything in my power to retain a good credit score. I was looking into purchasing a vehicle and helping my daughter purchase a house, but now that my credit has plummeted I may not be able to or if I can the options will be limited and I will likely have a higher interest rate on any loans due to this credit rating issue. All I want is for my credit rating to be restored.
Product: Checking or savings account

HSBC Bank requested additional information from spouse on or around XX/XX/XXXX via postal mail, which we were unable to provide in a timely manner. The account was marked as " hold '' and unable to withdraw funds as of XX/XX/XXXX. Spouse requested for the account closure on or around XX/XX/XXXX to the escalation/fraud department. The department agreed with the request and promised to close the account and send the funds. Spouse called back on or around XX/XX/XXXX requesting a status update. HSBC confirmed that the account was closed. 

The total amount of funds is {$2700.00}. This was an electronic deposit done via their mobile app. No indication of closure has been received either via postal mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to AmSher Collection Services on XX/XX/2021 asking for VALIDATION of account XXXX XXXX. I was not sent any VALIDATION I was only sent a statement. This is not any VALIDATION the account belongs to me, I demand this account be removed from my credit profile immediately.
Product: Vehicle loan or lease

After opening a spending account with ally bank I lost total access to my auto loan information. I have been trying to get the issue corrected calling them several times and they have not been able to provide me with a solution. I am very concern of being late with my auto loan payments because I am unable to make payments using their website or app as they keep telling me they are working on it but still no fix. As a custumer, I should be able to make on time payments and have the resources needed to be able to complete this task.
Product: Credit card

I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These are fraudulent inquiries I did not give these companies permission to run my credit it's fraud
Product: Mortgage

I received an annual general letter for my PMI on my mortgage. I was curious when the PMI was auto termed so my XXXX XXXX called Ditech on XXXX/XXXX/XXXX and spoke with XXXX. She explained that we can just wait until XXXX/XXXX/XXXX as that was the date it would be considered auto termed instead of going through the appraisal process. We thought that was the end of the conversation until the following week I ( XXXX ) received a voicemail from a client service agent stating to call Ditech back and I can speak with any specialist and they can fill me in on why they were calling. I called back and the first agent I spoke with had no idea why I was called. I proceeded to ask if they can confirm if they were calling on my PMI since my husband called them the previous week. The agent stated they would place a request to the escrow department and call me that Friday which was XXXX/XXXX/XXXX. I did n't get a call back so I called again on Friday and spoke with a different rep. She was giving me a different story stating that my PMI ended on XXXX/XXXX/XXXX and I needed to send a written letter to remove PMI that I was paying on that whole time. I was pretty frustrated at this point with the inconsistency with every time calling getting a different answer so I asked for a supervisor. Once the supervisor got on the phone she was very nice and empathetic and reassuring that all the previous reps up until speaking with her gave me bad info. She reconfirmed with me my PMI should have been auto termed on XXXX/XXXX/XXXX and that the PMI company we have was notorious for continuing to take PMI from clients until they sent a written request. That frustrated me further to hear that, she offered her phone number and ext to let me follow up with her directly. Her name was XXXX at XXXX ext XXXX. XXXX stated I could follow up with her to confirm my fax request was received and once the 7 days process ended from my written request and my PMI was removed she would place a request to refund me since XXXX/XXXX/XXXX since they should of stopped it sooner. She also gave me the direct verbiage to write in the fax request letter to fax to XXXX the due to my PMI being auto termed on XXXX/XXXX/XXXX I want to discontinue my PMI. I sent a letter that same day on XXXX/XXXX/XXXX. I called XXXX on Monday and left a message hoping to confirm my fax was received but she did n't call me back I left a second message on Tuesday XXXX/XXXX/XXXX and still nothing. I called again today and had to escalate once again to a supervisor and this time was told that I was given once again incorrect info and that my PMI is auto termed on XXXX/XXXX/XXXX. This whole process is very inconsistent and I have no confidence on the truth and what is my true auto termed date. I do n't want to wait until XXXX/XXXX/XXXX and go through another round of inconsistent phone calls after waiting all that time. Please help review these calls and hoping they will honor my date that was given on XXXX/XXXX/XXXX since they were very specific they should have some type of ownership for giving wrong info so many times.
Product: Debt collection

Received an email from someone claiming to file and misrepresent themselves and call my job and put me in jail saying they represent some loan companies. Says upon receiving this email they will issue a legal warrant on my name within the next couple of hours and if I email is forwarded then that its prohibited and illegal. I do not know the firm pertaining to this debt. They have my social ( someone stole my social and filed unemployment ), drivers license number, date of birth from an address 8 yrs ago.. says I can lose my job, and downloaded into the state and county systems and all 3 credit bureaus. Name of company is XXXX XXXX XXXX, XXXX XXXX, Sr. Investigator @ XXXX XXXX XXXX. XXXX. They have all my personal information on this email which is not secured and asking for {$8300.00} as my loan 8 yrs ago was for {$700.00} or $ XXXX.I believe its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Product: Money transfer, virtual currency, or money service

I was using Venmo, a PayPal company, to transfer {$180.00} into my bank account via their instant transfer option on XX/XX/XXXX at XXXX. I have contacted both my bank ( XXXX XXXX XXXX ) and Venmo numerous times. Both saying that the other is responsible for the money not being received into my account.
Product: Payday loan, title loan, or personal loan

They charged me for services after misleading advertisement about services and I was not able to speak to anyone so far This has been very difficult dispute and they charged my for services I DID NOT use They should refund my money and be shut down or at least change how they market services Again THEY HAVE MISLEADING ADVERTISEMENTS AND LEAD PEOPLE LIKE ME TO BELIEVE THEY OFFER SERVICES WHICH THEY DO NOT I was charged XXXX which I would like returned
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth requests 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 an alleged fraud or extortion. The following items needs to be remove immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$55.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$55.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I moved money from my XXXX XXXX  to pay a contractor in XXXX. I currently have XXXX ( including a pending transfer ) pesos sitting in my Wise ( formerly TransferWise ) account. On Sunday I attempted to move a little money and it would not go through ( normally it happens in seconds. ) On Monday, I started contacting customer service at Wise and was getting the runaround. I cancelled some transfers and redid them, same situation. They currently have {$11000.00} ( USD ) of my money that they will not or can not release to me. Each time I contact customer service, I get a different answer. Im getting the strong feeling they are about to cease operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX  XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 7 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, credit repair services, or other personal consumer reports

gm financial in 2017 I needed assistance with my payments and asked for a deferment for XXXX and XXXX of 2017 this was suppose to be put to the back of my loan, and not reported late, last year I paid off the car, in a attempt, to purchase a home, I was denied because off the XXXX late payments in 2017, my credit XXXX XXXX I serious deliqlenquency when I XXXX 's day report it showed on GM FINANCIAL
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance {$320000.00} XXXX XXXX XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my information updated on my credit report. I have reached out to XXXX. XXXX, & Equifax. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Product: Credit card

I had a Discover card that ended in XXXX that was accessed and used by a third party without my knowledge or approval. I reached out to the company that charged the card and several months ago they approved my refund for fraud request and I just received all of the dispute receipts from their credit card processor showing that the charges have been refunded due to fraud. Because these are fraudulent transactions I request Discover remove the charges from my balance and update the credit bureaus to reflect that I had not missed payments because the charges that caused any balance were fraudulent. Additionally, upon review of this dispute I request Discover either open my account again or account a new account for me since the former account was closed due to this issue.
Product: Credit reporting or other personal consumer reports

The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give Experian written permission to furnish these accounts. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Credit card

Received today, XX/XX/year> at XXXX a call which stated from XXXX XXXX XXXX Someone in XXXX opened an account with my name and social security number. They transferred me to you ( supposedly ). However they hung up on me when I questioned what they were saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that there was a cyber security attack, that resulted in the exposure of personal information of XXXX XXXX Hospital Employees. The breach effected those that were hired between XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX to the present, I have been receiving phone calls from debt collection companies that I don't know anything about.My lawyers suggested this step in the process of recovering my identity.

These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently keeping an old debt on my credit report and I have tried disputing it with the credit bureau as well as, with the companies with no success. It is showing that I owe a company over {$26000.00} since 1999 which is NOT correct. 

On XX/XX/1999 my spouse and I became victims of a predatory loan by a company called XXXX XXXX, who changed their name to XXXX and then to Dietech Corp. They were sued by the Federal Government FEDERAL TRADE COMMISSION and XXXX CONSUMER FINANCIAL PROTECTION ) BUREAU, ) XXXX ( XXXX-XXXX ) Plaintiffs, v. 
XXXX XXXX XXXX XXXX, a Delaware ) limited liability company, ) ) Defendant.