23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had a deadline to make a wire transfer in order to buy a house. I called Capital One multiple times to transfer the money and they kept on telling me I can only do the wire transfer online. I tried making the wire transfer on Capital One website in my login and the it wouldn't work. No reason was given why the Capital One website couldn't do the wire transfer. Unfortunately I had no way of accessing my money and was forced to miss the deadline to transfer the funds.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Payday loan, title loan, personal loan, or advance loan

I was simply doing some research the evening of XX/XX/year>, as my wife and I need just a little bit extra here in XXXX. I filled out some basic information. When I got the indicator that my next payment was going to be due on my next payday and it was like over {$600.00} dollars, I was aghast and got a hold of the loan document, to realize the percentage rate was 497.27 %. I was not going to go forward with this. I get emails asking me to review and e-sign with a link, which I did not click nor did I e-sign. Yet, next I get an email indicating I was approved, and they would be sending the money along. I looked into the cancelation policy and have sent an email by the appropriate email to cancel the loan and will be calling the appropriate number first thing Monday morning, XX/XX/year>. However, again, I never e-signed nor approved the loan, and I would not for that kind of rate, which they did not show me till obviously they were already going ahead with the loan. This was very much a bait and switch. I am not able to pay something over {$19000.00} dollars for a {$3000.00} loan.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX # XXXX, XXXX, GA XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX  ) ( NUMBER XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Product: Credit reporting or other personal consumer reports

I have documents starting that what XXXX is reporting is inaccurate and sent in the proof but it was not properly investigated
Product: Student loan

Im filing a complaint against XXXX XXXX and XXXX XXXX for fraudulent loan practices. My XXXX  course had an income-share repayment agreementunder {$40000.00} yearly income, no repayment required. The loan transferred from XXXX XXXX XXXX to XXXX, with XXXX handling verification. XXXX overrode my employment data, falsely claiming I earn {$3300.00} monthly since XX/XX/XXXX. XXXX unemployedmy XXXX taxes show {$4500.00}, XXXX taxes show {$8400.00}, nowhere near {$40000.00}. This override is admitted in my XXXX account, and theyre charging me over $ XXXX  monthly despite this. XXXX demands tax submissions but provides no portal. Both neither respond to calls or emails for over a month. This is predatory and illegalinvestigate and stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until JunXX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report dated XX/XX/2019 shows page 10 of 11 under Supplemental Consumer Credit Information Auto Finance Inquiries last 3 months 2 I have not applied or sign nothing for no car loan or lease or any thing related to a car. 
Under Auto Finance Inquiries in the last 6 months & 9 months I have not applied for no car loan or lease with no bank or car dealership as stated on page 10 of 11 XX/XX/2019 credit report.I would also like the documents showing for what ever inquiries to such was made and by who and the credit application as well the dealer and proof of the transactions as stated on page 10 of 11 Transunion credit report.
Product: Vehicle loan or lease

Usaa has blocked my access to manage and maintain the loan. I reduced my scheduled payment. Once they give me my access to the loan back I will submit more payments. USAA has deceptive and unfair practices. Their banking division needs to be looked into by federal authorities. I can see how blocking access to an account to the account holder is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had one card and its past the 7 year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.
Product: Credit reporting or other personal consumer reports

Acima is reporting on my account that needs to be removed. I have a current account with Acima I pay every month. However, I recently had credit pulled and there is a debt with them that they said I need to pay. When I called and I gave them all my info they can not pull up this account for around {$1000.00}. Because I need to finance a home I was willing to pay it but because they can not locate the account or anything they also will not let me do that. This is hurting my credit and it needs to be removed.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Please look over the information concerning me in the consumer reports. The alleged Public Record is inaccurate and unverifiable by you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Date XX/XX/2019 This complaint involves XXXX. 

I received a denial letter from Citi Bank in regards to opening a money market account. They said their decision was made in part due to a report from XXXX  and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called XXXX  to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/23 Paypal refused to close my account with no outstanding transactions & XXXX balance. Fraudulent excuses range from unauthorized monitoring of unrelated completed purchases, phony charges, & my personal favorite, " computer system glitch ''. Give me a break. This proves data mishandling & unlawful monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my Experian and XXXX reports but was told that I had to mail in a request for XXXX. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX report and was told I had to mail in requests for XXXX and Experian. 

I'd like to obtain my most recent XXXX and Experian reports online. Thank you!
Product: Mortgage

11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.
Product: Mortgage

I was informed be the loan officer and compliance officer of American Pacific Mortgage that in closing a VA home loan I had to sign my signature with prejudice to my rights, an act I was not accustomed to. Furthermore, it was asserted that I could not sign without prejudice because it was VA policy and that such policy prevented me from doing so. After further inquiry I discovered no such policy exists and the company will not disclose the code they claimed applied which effectively deprived me of my right to defend my rights from an unconscionable contract. It was also reinforced at closing by the notary officer and so I signed in a manner I was not accustomed to but I verbally stated that my signature was only being provided " under protest '' specifically cause felt I was being deprived of my civil right especially with such confusion and mistakes in the process regarding what I paid for my credit and whether there was even a loan or an exchange of negotiable instruments and if the property deed was defective or even marketable. This was acknowledged by both the loan and notary officer present during closing.
Product: Credit card or prepaid card

XX/XX/2020 - Went to the XXXX gas station to get gas for my car. Went inside to use the card as a debit for {$10.00} worth of gas. Went back outside, pumped the gas and left. Checked my card and saw that the balance said XXXX. 

See attached pictures where I was paid yesterday, XX/XX/2020, {$100.00} and the only purchase I made was the {$10.00} gas purchase. 

I called Customer Service and explained to them what had just happened and I was told that I needed to use the card as a debit purchase. I informed the Rep that that's exactly what I had done and she repeated herself with " you need to use the card as a debit purchase '', so, I repeated myself and told her that that was what I'd done. After that exchange, she told me that it would take 7 days for the money to go back to my account. 

Question - why does it take 7 days for an electronic transaction to take place? 

I submit this complaint so quickly because this is not my first negative encounter with Money Network. I have another complaint logged against them and I don't want this one to drag out the way I allowed the other one to drag out for 2 months before I submitted a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN THE EQUIFAX DATA BREACH AND I HAVE PROOF ATTACHED. I NEED ALL ACCOUNTS IN QUESTION REMOVED BECAUSE THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE LOAN. MY RIGHT TO PRIVACY WAS INFRINGED UPON AND THIS COMES WITH SERIOUS CONSEQUENCES. YOU HAVE 4 DAYS TO REMOVE ALL ACCOUNTS IN QUESTION. MY IDENTIFYING DOCUMENTATION IS ATTACHED TO THE WORD DOCUMENTS BELOW. MY DRIVERS LICENSE, SOCIAL SECURITY CARD AND MY UTILITY BILL
Product: Money transfer, virtual currency, or money service

I can not do any mobile transfer it will not let me link my account to anything so i cam add money to my account from cash app or XXXX XXXX or XXXX XXXX my check go on another card because i work two jobs and i want to save money in my XXXX account because i feel safe with my XXXX account but it won't let me link my account
Product: Checking or savings account

I cant open any account with any bank, I dont know why. They said something about check systems but every time I asked for a report I seem to not get it or be blocked. I dont know why I would be on check systems on the first place. I need help please.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my crdit report : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date XXXX
Product: Checking or savings account

Called to make an internal transfer & was told transfer happened. When I checked balance on atm next day learned {$590.00} transfer never happened. Was told had happened & am on my second phone call to get fixed as I write this.
Product: Vehicle loan or lease

WE HAVE REQUESTED A COPY OF THE ORIGINAL SALES CONTRACT CONTAINING MY WET SIGNATURE AND A COPY OF THE EXTENDED WARRANTY FOR SANTANDER XXXX XXXX XXXX. WE HAVE REQUESTED IT TWICW AND HEVE NOT RECEIVE ANY INFORMATION.
Product: Student loan

In XX/XX/XXXX, I used College Ave to refinance a loan I had with XXXX ( now XXXX ). There was an overpayment by College Ave in the amount of {$630.00}. It is now XX/XX/XXXX and I have yet to be reimbursed despite many phone calls and promises of further action. In the most recent portion of the saga, XX/XX/XXXX I received a call from XXXX they issued the refund to College Ave ( after reaching supervisors and filing a complaint for XXXX  with CFBP ). I made a conference call XX/XX/XXXX to confirm what information each company needed, and was told by College Ave Rep/Supervisor it would take up to 2 weeks to process this check once received. Allowing for holiday time etc, I called XX/XX/XXXX and was transferred to same College Ave Supervisor XXXX. There was no receipt of the check. After arranging to speak again with XXXX on XX/XX/XXXX, I made more conference calls and received tracking information and address to where the check was sent with both parties on the line. I was assured by College Ave Supervisor this would take a couple days to track using this information, up to maybe the following Mon XX/XX/XXXX. 
I called the next Thurs XX/XX/XXXX directly spoke with College Ave Supervisor and she said her company was still researching my check, and she would call me back. No call back. I called Fri XX/XX/XXXX, and spoke to another woman answering the College Ave Supervisor line and requested her to provide me with whatever update information she could. I received no call back. It will be a complete 7 months of this back and forth. I thought it was XXXX mainly for delaying and sending the wrong check twice. Now from College Ave Im receiving faulty promises that this is being expedited and that they are understanding of this recent delay. Im being told they care but no action has taken place. It has been 7 weeks or so since the check left XXXX. I was told 2 weeks to process. It has been another 7 Business days ( 10 days ) that I was told this was getting looked into, they said it would be 2-3 days. I was told I would be called back. I was not. I feel disrespected and as if someone has stolen this {$630.00} from me- not to be so dramatic, but I dont know whom I can trust that Im ever going to get my money back. My loan is being charged with interest amount ( {$20000.00} ) with my already paid money. And even the interest Im supposedly promised to be returned to me once the check is in, does not make up for the HOURS and angst Ive spend calling and emailing tracking this money down. Ive only shared about the phone calls in the past two months, there were a dozen more between the two companies I have records for. I am writing in hopes College Ave reviews their practices and how they handle overpayments/refund checks in the future, and also in hope that I will actually receive my refund and interest. Im not sure how more to escalate this. Thank you for your time.