23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2020 I accessed the phone payment service at Ford Credit. I got the purchase amount and paid that amount over the phone. 10 days later it still had not posted. Concerned we called and were told the purchase has to go through the dealer and the payment would be rejected. 10 days later the money was not returned to our bank account.. another call with very long hold times. Told to call my bank. I already had. Asked to talk to a supervisor. On hold 30 minutes. Told she " found the transaction '' but no idea what happened to the $ . Putting in an urgent request and said a check would be issued in 5 days. This was the first person to mention they would send a check and only because I specifically asked! Others acted like the money would come back into my account electronically. 10 days later no check. They have now had my {$20000.00} for 30 days. I believe they should pay interest!
Product: Debt or credit management

I am writing to formally dispute the account being reported by LVNV Funding, LLC on my credit file. The account number in question is XXXX, originally belonging to XXXX XXXX Bank. 
In XX/XX/year>, I requested a debt validation letter from LVNV Funding, LLC, but I have yet to receive any documentation validating their claim to this debt. Despite their failure to provide the requested validation, they continue to report this account to the credit bureaus, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Furthermore, the original creditor, XXXX XXXX Bank, charged off this debt, meaning they were required by law to issue me a XXXX form for tax purposes. I have submitted a request to XXXX XXXX Bank for this document, as the IRS mandates that creditors issue a XXXX when a debt is canceled or forgiven. If this charge-off was properly documented, LVNV Funding, LLC has no legal basis to report this debt as outstanding. 
By continuing to report inaccurate information, LVNV Funding, LLC is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide only accurate and verifiable data to credit reporting agencies. Their failure to validate the debt and their continued reporting of potentially inaccurate information is causing undue harm to my creditworthiness.
Product: Debt collection

A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.
Product: Credit reporting or other personal consumer reports

-- - [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ga XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Reporting Agency [ XXXX or XXXX Dear [ XXXX or XXXX ], I am writing to formally dispute the inaccurate information that appears on my credit report under my name, [ XXXX XXXX, XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

Upon reviewing my credit report, I discovered that the entry for [ specific account related to XXXX, provide account number if available ] is incorrect. Specifically, [ briefly explain the inaccuracy, e.g., " the reported amount is {$14000.00} when I owe {$0.00} dollars This misinformation is negatively impacting my ability to obtain credit and housing. '' ] Under Section 609 of the FCRA, I am entitled to request a review of this data and receive accurate credit reporting. I am requesting that you investigate this matter and provide me with a written response regarding the outcome of your investigation. 

Please consider this letter a formal request for correction of the inaccurate information, as outlined in Section 611 of the FCRA : 1. Investigate the disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days.

3. Provide me with written confirmation of the results of your investigation.

Please conduct this investigation as required under the FCRA, ensuring a full resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX --
Product: Debt collection

Looked at my credit report and saw comonwealth financial added items to my credit report when I did some research one item that is listed as me owing XXXX is beyond statue of limitations in the state of Florida also another item was removed in XX/XX/2018 for the exact reason this company has not sent proof of debt or notice to me with date of original service but has re aged the debts to collect
Product: Credit reporting or other personal consumer reports

No correct authentication process done for listed open collections accounts on my credit report. All three bureaus listed open accounts for : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$250.00}
Product: Mortgage

Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015. 

They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings. 
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls. 
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

These accounts are not mine I been trying my best to talk and call nobody is helping me they been giving me the run around for the last 3 months Im out on the streets right now because these accounts are holding me back I cant get approved for nothing I have all the evidence even a police report still no help XXXX Reported : XXXX XXXX, 2024 {$610.00} -PRO COLLECT {$600.00} Reported : XXXX XXXXXXXX XXXX PRO COLLECT {$530.00} Reported : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts need to be deleted immediately : 1.STATE FARM BANK Acct # : XXXX 2. XXXX Acct # : XXXX
Product: Credit reporting or other personal consumer reports

Experian  is being reporting an inquiry from XXXX XXXX  XXXX XX/XX/year>. I have no business with this company or authorizes this company to do so.
Product: Credit reporting or other personal consumer reports

I have wrote a letter to Trans Union corporate office in XXXX, Pennsylvania and the headquarters in XXXX Illinois. Letting them know that I had nine inquiries that was fraudulent and not me. I told them to remove it under the American federal law and I disrespected it and did not remove it. This company do not care about people they like to hurt people personal names like mines I never authorize Trans Union to put this on my credit report or I never authorize any of the inquiries, I sent a signed mailing letter and they received it I sent it XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified TransUnion credit bureau that a inquiry a hard inquiry was fraudulently placed on my credit report from XXXX XXXX This has been 3 months no resolution and no response. They have asked me to send in my personal information such as i.d, and ss card through the mail and Ive declined. I've sent the identity theft report from the agency ftc disputing my claim. I've never had this issue before but this issue needs to be fixed. Even provided the report in a recent complaint and this still hasn't been removed off of my credit report.
Product: Mortgage

I applied to JP Morgan Chase for a loan modification in early XXXX, XXXX. I took my mortgage out in XXXX, and have never missed a payment. In XXXX I had to have two XXXX XXXX That coupled with the fact that my income has substantially dropped ; I am XXXX years old. 

Chase has denied me a loan modification, I appealed their decision but they have not changed it. 

Their reason for the denial is that I have too much assets which have dropped about 10 % since my applying for the modification. Their reasoning for the denial is very discriminatory to senior citizens as they are telling me to use my retirement savings to pay my mortgage and when my savings go down to {$25000.00}, they will then consider a loan modification. This is unacceptable. My income has dropped substantially. Chase was bailed out during the financial crisis with my tax money. They owe me this. Besides this is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, N. Y. XXXX Tel : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXX XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

complaint Number ; XXXX this was my last complaint number is selected the wrong company that is the only company i work for the complaint was for XXXX XXXX  my third attempt with them to get the matter resolved. 


XXXX!!!!! Lexis Nexis I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. Not my names i have only one name and address beggining with XXXX proof attached. I have only one phone number ending in XXXX and only one company I work for XXXX XXXX XXXX
Product: Debt collection

Yesterday, I received through the mail a letter from Midland Credit Management ( MCM ) with 3 options to pay a debt of {$4000.00} with Original Creditor XXXX  XXXX. 
MCM ACCT XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX  XXXX to resolve the account that was past due and the reason which was during the pandemic.Unfortunately that didnt work out. XXXX XXXX placed the account in Charge-off status in 2019. I am just confused as to three ( 3 ) years later the account was sold to a collection agency instead of trying to resolve the issue with me directly. The main issue is the fact that I did not incur a balance of {$4000.00} because my credit limit was XXXX if I remember correctly. 
if MCM can send me a copy of the last statement from XXXX XXXX showing that I did incur those charges. I will be more than happy to work with them on resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE THE 3 MAIN CREDIT REPORTING COMPANIES EXPERIAN, XXXX XXXX, XXXX, BROKE YOUR OWN UPDATED COVID-19 POLICIES BECAUSE I HAD A FICO SCORE OF XXXX XXXX OF XXXX NOW PRESENT XXXX XXXX XXXX FICO SCORE XXXX DROPPED OVER XXXX POINTS, BECAUSE I GOT LAID OFF XX/XX/2020 TO PRESENT DATE OF TODAY XXXX XXXX IN A LOCK DOWN IN CALIFORNIA, WHERE I HAVE HAD the SAME JOB FOR OVER 30 YEARS. NO JUSTICE HERE WHEN I SEE ALL THESE OTHER CONSUMERS GETTING LIKE STUDENT LOAN FORGIVENESS, AND OTHER BAIL OUT OPPORTUNITY, I HAVE DISPUTED ATLEAST 4TO 5 TIMES AND REALLY GET NO ANSWER OR EXPLANATION FROM WHAT THE DISPUTE OUTCOME, BECAUSE YOU KNOW THAT THE BUREAUS WOULD NOT LET YOU DISPUTES THAT MANY TIMES IN OVER 2 MONTHS AND I PICKED OUT OF MULITABLE CHOICE, COVID-19 AS THE CAUSE FOR THE LATE PAYMENTS, AND I HAD EXPERIAN EMAIL ME ATLEAST 25 TIMES IN 2 MONTHS ACTING LIKE THEIR HELPING ME WITH UPDATES, BUT NOTHING SHOWS CREDIT SCORE IMPROVEMENT, IT IS LIKE THEY DONT KNOW WHAT TO DO, WHAT GOOD IS THE UPDATED CFPB COVID-19 PROVIDES, WHEN THEY DONT FOLLOW THE GUIDELINES, AND WHEN I DISPUTED MY 6 ACCOUNTS IT WOULD SHOW WHICH ONE I WANTED TO DISPUTE BEFORE I EVEN PICKED WHICH ONES I WANTED TO? SOMETIMES ONE OF MY COMPANIES I PICKED TO DISPUTE, AND WHEN I WENT BACK TO LOOK IT TOOK XXXX XXXX OFF AND WOULD NOT BE THEIR, IT WAS LIKE THEY WERE TRYING TO COVER FOR THEM, I JUST DIDNT KNOW WHAT HAPPENED????? I STILL DONT KNOW???
Product: Debt collection

This company furnished my credit report without my consent. XXXX sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, XXXX sent me in the mail but STILL havent updated my XXXX  credit report
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Penn Credit Corporation ( {$110.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX XXXX XXXX, which I was impacted. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against Penn Credit Corporation for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. 
Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the XXXX investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Penn Credit Corporation failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I was never provided verifiable proof of this debt or Proof of Verification ; Wet Signature Application; Proof of Permissible Purpose. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Penn Credit Corporation a fair opportunity to clear this up, however I am still being HARASSED!
Product: Credit reporting or other personal consumer reports

The companys are still not sending me what i asked for this information on my credit report is not accurate so dont tell me that again.
Product: Mortgage

In XX/XX/year> I disputed the accuracy of XXXX late payments, XX/XX/year> and XX/XX/year>. An investigation was completed and updated to show there was no data available for those dates. Today when my credit was pulled it showed the late payments were back on there. Please remove them as an investigation was already done and completed.
Product: Checking or savings account

In XX/XX/2021 or XX/XX/2021 there are XXXX fraudulent transactions with the amounts of {$900.00} and {$950.00} being removed or sent from my account. It was fraud and or a scam. The funds were sent to a XXXX XXXX. I do not know this person. I did not give permission ro send my funds to this person. Its a scam.
Product: Debt collection

This company by the name of Spring Oaks Capital  appeared on my XXXX Credit Report approximately around XX/XX/year>. First, I called the company requesting information about the alleged debt. The representative would not provide me with any information ; but wanted me to give personal information. And, stated, if I couldn't provide what was being asked, that I would need to write a letter. Immediately, I sent a certified letter XX/XX/year> ( please see attached copy of certified receipt ) requesting validation of the debt, the original creditor, an account number, and proof that the alleged debt belonged to me, including any signed agreements or contracts. Additionally, I did my due diligence and made sure the address that was listed on my credit report was the exact address to send to the company Spring Oaks Capital , LLC. ( credit report is attached ) To my surprise, the company returned my letter " return to sender no such number unable to forward. '' This indicates that the company does not want to be reached neither validate this alleged debt. Attached to this compliant is a copy of the return letter, a copy of the certified receipt, and a copy of my transunion credit report to show proof the address matches the company 's address on my report.
Product: Credit card or prepaid card

I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?
Product: Student loan

For the last 2 years I've been dealing with AmeriTech. it first started with a initial payment of XXXX ( set ) that was broken down into three payments for them gathering my info. then the they start taking out XXXX for 6 months and after that its been XXXX dollars a month
Product: Money transfer, virtual currency, or money service

XXXX years ago I was at a XXXX restaurant and I made a purchase and the same day my cashapp card was defunded I try calling even gave them information far as social security number and they could not tell me why my card was deactivated and did not give money back at all I been trying to reach out to them for XXXX years no answer at all
Product: Checking or savings account

Opened checking account on XX/XX/XXXX for advertised XXXXXXXX XXXX XXXX for recurring direct deposit of XXXXXXXX XXXX or more within 60 days of account opening Direct deposit of XXXX XXXX  was made on XX/XX/XXXX and a deposit of {$510.00} was made on XXXX Called XX/XX/XXXX said they had to have their back office research it and they'll call me back on XXXX  Called XX/XX/XXXX said they tried calling me saying they weren't going to honor the bonus because it wasn't a qualifying direct deposit. 

It was a direct deposit and I expect to have these terms honored.
Product: Credit reporting or other personal consumer reports

My Credit Report is showing an hard inquiry for XXXX XXXXXXXX XXXX on XX/XX/2023 that I didnt do.