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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I started the process of purchasing a vehicle through carvana. At the end of the process a hard inquiry was taken from my credit report which I expected. Before the process was completed I decided to choose another vehicle which happened to also be cheaper. Upon changing the vehicle selection carvana initiated another credit inquiry process crashing my XXXX score XXXX points more than doubling my interest rate to over 20 % and then requiring over {$1000.00} additional to my already {$8000.00} down payment. After trying to resolve the issue it took two weeks of calling everyday being told the initial rate would be honored before I reached an actual underwriter. Carvana then refused to honor my hard credit pull stating that by selecting a new vehicle the process requires another credit inquiry regardless of how much time has passed since the initial inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

I NEVER AUTHORIZED AN INQUIRY WITH XXXX  XXXX  DEALERSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureau are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020, I purchased tickets to an event from a site called tickets on sale in the amount of XXXX. The event was scheduled for XXXX XXXX, however, this is around the time the pandemic shut everything down. So, the event was postponed. The event has been postponed for a total of 2 times with the last date being XXXX. I have not received any up to date information as far as when the event will be held. At this point I am no longer interested in going. Ive tried to contact the tickets on sale customer service numerous times and they have told me since the event isnt canceled then I cant get s refund. I really believe this is why they keep postponing the event. Also Ive tried contacting the venue where the event is to be held but have been unsuccessful with reaching anyone. Ive tried to dispute with my bank recently but because the transaction occurred in XXXX they stated that they have a specific time frame in which they can pursue a dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmy 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax makes you unable to access dispute information to even see if it was filed. I was able to get a correction for collections on my report removed from both other agencies but equifax phone support transfers you over to people in the XXXX/outsourced, where they do n't resolve, have no knowledge of, and try to sell you a service to basically get it deleted, maybe.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
Product: Debt collection

I have repeatedly told Portfolio recovery to not call my number anymore. However, they have now started to call everyday and all hours of the especially late night from different numbers such as XXXX, XXXX, XXXX and many other numbers. They have called everyday for over a month even after being asked to no longer contact this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no a knowledge of this account according to the FCRA This item must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what I was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 
This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 

For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my home was sold and the loan paid off. 

I have repeatedly contacted XXXX XXXX, XXXX. and requested they refund my escrow balance. In addition to XXXX calls made to them, I have emailed them the request on their website to no avail. 

I have always had issue with them in managing of my escrow since the date my loan was transferred to them in XXXX. It even included a situation of my homeowners insurance being cancelled for non-payment although they clearly had the funds in escrow. 

I am in process of purchasing another home and need my funds refunded now. It has been XXXX  days and not a word from them.
Product: Credit card

they will not give me my account number so i can file a complaint or help me resolve the problems I'm having with the card
Product: Debt collection

A company listed by the name " Phoenix Financial Services '' claims I owe a medical debt of around {$230.00} for an emergency room visit around the middle of 2017. They claim they mailed me a letter, which I did not ever receive. When I called them, they did not even ask me to verify my information, and read my entire social security number aloud. They will not dispute any charges which is my right under the FDCPA. They claimed the 30 day window has passed, but it is not valid since I did not receive a letter. They were very hostile and argumentative with me on the phone, and their demeanor indicated this is not by any means a legitimate or professional company.
Product: Credit card

Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and anger regarding the grossly inaccurate information that continues to plague my credit report. Despite numerous attempts to rectify these inaccuracies with XXXX, XXXX, and XXXX, I have been met with nothing but incompetence and indifference. This situation has persisted for far too long and is a blatant violation of my rights under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 

Section 605B clearly mandates that consumer reporting agencies must either correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my repeated disputes and the clear evidence I have provided, these credit reporting agencies have failed to comply with the law. Their inaction is not only illegal but also detrimental to my financial well-being and my ability to exercise my American right to access credit. 

The inaccuracies on my credit report have had a severe negative impact on my life, including but not limited to : Denied Credit Applications : I have been denied credit opportunities that I rightfully deserve, affecting my ability to secure loans, mortgages, and other financial products. 

Higher Interest Rates : The inaccuracies have led to higher interest rates on the limited credit I have been able to obtain, costing me hundreds, if not thousands, of dollars. 

XXXX XXXX : The ongoing struggle to correct these inaccuracies has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. 

I have reached out to XXXX, XXXX, and XXXX multiple times, providing detailed documentation and evidence to support my claims. Each time, I have been met with inadequate responses or outright neglect. Their failure to take appropriate action is unacceptable and in direct violation of federal law. 

I demand immediate intervention from the Consumer Financial Protection Bureau to hold these credit reporting agencies accountable for their illegal actions. Specifically, I request : An immediate and thorough investigation into the handling of my disputes by XXXX, XXXX, and XXXX. 

Prompt correction or removal of the inaccurate information from my credit report as required by Section 605B of the FCRA. 

Appropriate penalties and sanctions against these agencies for their failure to comply with federal regulations. 

Assurance that these violations will not continue to affect other consumers who rely on the accuracy of their credit reports. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this matter and protect the rights of consumers like myself. I eagerly await your response and the resolution of this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 

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

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I submitted the the request to TransUnion, with an attached FTC report.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against experian. I have sent numerous letters requesting for Experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. Theyre listing an address that DOES NOT BELONG TO ME. They wont remove it.
Product: Debt collection

On XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) through XXXX XXXX XXXX and STILLMAN LAW OFFICE LLC filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action XXXX, XXXX, and STILLMAN caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.
Product: Student loan

I have been attempting to reach FEDLOAN by phone / email ( multiple times ) for hours on end only to be put on hold from one department to the other then disconnected. On XX/XX/22 I spent 3 hours on hold and tried to call 4 different times hoping someone would help me with my issue. This is as i said one of many attempts I have submitted multiple documents to verify that my employer is a recognized organization that falls under the loan forgiveness. they have accepted 6 payments. I have been paying on my income driven loan for over two years and they have not honored the agreement. This company is completely incapable of providing the service and should be dismissed from the contract they are getting. Please put an end to this for me and others. i have multiple friends than
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I saw a commercial on XXXX XXXX for a VA Home Loan. The commercial was very compelling. They explained that if I was a Veteran and had an XXXX they would help me use my VA entitlement for a mortgage. I get on the phone and go through a lengthy process of applying for the loan and was denied. Even though I have served honorably, have a VA entitlement, and a good income they still turned me away. I feel that their advertisements were unfair and deceptive. I 've been harmed because my credit report was negatively impacted by them pulling the report and I still was n't given a home loan. Please help. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the Trans Union, the songXXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat, 2092 ( 2010 ) Fair Credit reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Amount {$2400.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Step 1 : What is this complaint about? 

a. Willing to pay off mortgage arrears. Waiting 6+ weeks for arrears and payoff statements. Since I have an attorney, Loan servicer - Rushmore will not talk to me. 

b. Previous reinstatement letters and payoff statements provided from Loan servicer - Rushmore, were incorrect and the " categories '' of payments, advances, legal fees, escrow etc.., were mistakenly " switched around ''. 

c. Paid {$56000.00} paid during Bankruptcy but have NO assurance from Loan servicer - Rushmore, that this amount will be included in arrears payoff. 

Loan servicer - Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 2 : What type of problem are you having?

Have repeatedly asked Rushmore attorney and my attorney to provide payoff amounts. Have repeatedly asked Rushmore attorney for a contact AT Rushmore that I can speak to about the arrears and payoff amounts. 

RUSHNMORE ATTORNEY : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Main : XXXX Step XXXX : What happened? 

No response from Rushmore or Rushmore attorney. 

Step 4 : What company is this complaint about? 

Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 5 : Who are you submitting this complaint for? 

Self. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. Florida XXXX. XXXX XXXX XXXX cell.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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.