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

In accordance with the Fair Credit Reporting Act XXXX  ; Account : 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 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen, and as a result, several accounts were opened in my name without my consent. These accounts were not authorized by me in any way, and I have no association with them. To address this, I initially disputed the fraudulent accounts with TransUnion online, but without submitting a police report or an FTC affidavit. As a result, my claim was denied. 

After being informed by TransUnion that I needed to provide a police report and FTC affidavit, I gathered the necessary documents and submitted the dispute once again, this time including both the police report and FTC affidavit. Despite my efforts, TransUnion denied my dispute once more. 

In addition to working with TransUnion, I went directly to the companies that had opened the fraudulent accounts in my name to dispute the validity. Unfortunately, I was met with the same responsemy dispute was denied. 

I have provided all necessary documentation to prove that these accounts do not belong to me, yet TransUnion has refused to remove the fraudulent accounts from my credit report. No evidence has been produced to support the claim that I am responsible for these accounts, and I continue to face the consequences of identity theft. 
These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was paying someone and the money sent to the wrong account and I did not receive any warning or disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 Reporting company used my report improperly. 

My personal information has been leaked by Equifax.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account 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 account below :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXX Mobility ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

I had a unpaid medical debt show up on my personal credit report that is not something I owe. It was filed by Consumer Collection Management in the amount of ( {$570.00} ). In contacting Consumer Collection Management they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/2017 and I have already lost over $ 55K as a result.
Product: Mortgage

Rushmore Servicing is the company that has most recently acquired my loan from the one that previously managed it. 

I reached out to Rushmore requesting a payoff letter, in the beginning of XX/XX/XXXX. The payoff letter was produced on XX/XX/XXXX and had 3 massive errors. I wrote a letter to Rushmore to address the errors, and emailed it to their research department as I had been instructed by one of their customer service reps. With the letter, I included supporting documents such as bank statements, HUD statement, and a payoff letter that had been issued to me by the previous company, dated XX/XX/XXXX. 

Little bit of background info on the loan. When I purchased the home, the lender allocated {$280000.00} in Holdback as funds to be used for construction purposes. Of that amount, only {$95000.00} had been released and the rest {$180000.00} should still be in holdback. 

I have not missed any payments nor have ever been late since I purchased the home. The previous lender ( Rushmore Loan Management Services ) stopped taking my payments as of XXXX, XXXX. 
The loan maturity date was XX/XX/XXXX. However, I had been on a month to month agreement with RLMS which I kept making payments on time each month. Until they stopped taking my payments. 

The errors were as follows : 1- On the payoff, they are not acknowledging the Holdback funds in the amount of {$180000.00} 2- They are claiming that the loan maturity date was XX/XX/XXXX 3- They are claiming that I have not made any payments since XXXX, XXXX. 

The supporting documents that I provided them prove each item that I listed above to be incorrect. I have reached out to Rushmore Servicing and their lawyer countless times since I sent them everything on XX/XX/XXXX. The only thing Ive accomplished by reaching out is to get ignored, or one of their customer service reps to escalate the matter with the investigation team. They have acknowledged receipt of my email and documents. 

I do not know what else to do. Ive had attorneys reach out to them, at my expense, on top of the countless amount of times that Ive reached out and Ive gotten absolutely ignored. I have a refinance pending and is being held up close to 3 months due to their lack of responsiveness. I just want a payoff with the correct numbers so I can pay them and move on. Can someone please help me? 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK/VICTORIA SECRET. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

A message were left on my voice mail by phone number XXXX. I retrieved the message and a mail voice said " This is a call XXXX a call is required for a statement from myself or my attorney. I called the number and after multiple attempts a female answer and I gave the reference number which was left on my voice mail. The female caller were asking question to verify information, I stated I do n't know anything and refrain from calling this cell number. The person then went on to say " I will contact you through your employer and have you arrested. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in good faith to deal with this company but it is nearly impossible to do. My next step is to email the president of the company and describe how his employees are treating it's customers. To make a long story short I have paid this loan in good faith for the past 5 years. My payments are reflected as paid on time on all credit bureaus as of XX/XX/XXXX and as of recently the account has been paid off ( Thank God ) on XX/XX/XXXX. The most recent update on my credit report reflects DEROGATORY and I'm trying to figure out how can an account that has been paid on time for the past 5 years is being rated as derogatory. If this is how the Fair Credit Reporting Act is fair to consumers something definitely needs to be revamped. How can you report to a credit bureau that an account is derogatory with on time payments for the past 5 years. I want this account removed from my credit report as this is the only account reporting inaccurate and negative information. This is the worst company to ever deal with and I would like a resolution because this is totally unfair and there needs to be an investigation into this company. This company can not decide when they want to make an account derogatory and not follow all procedures which they did not in this case. This company should be fined and held accountable for their actions. If I've been treated like this I'm sure there are others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced a cyber-security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies
Product: Bank account or service

Bank of America is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Bank of America has been engaging in fraudulent business practices. In addition, Bank of America fraudulently reported my name to XXXX and XXXX even though Bank of America charged me excessive overdraft fees. Bank of America is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Bank of America is engaging in fraudulent business practices and false advertising.
Product: Debt collection

I entered into a timeshare contract with XXXX XXXX in XXXX ; however, they consistently failed to provide the services outlined in the agreement. 

Despite repeated attempts to book vacations as promised in the contract, we were unable to access the timeshare services due to constant unavailability. This unavailability has been a persistent issue, leading us to believe that the services were misrepresented and oversold, which constitutes a breach of contract. 

In XXXX, we, ( Husband and I ) sent a cease and desist letter to XXXX XXXX to formally dispute the contract. Without our knowledge or consent, XXXX XXXX transferred or sold this account to Monterey Financial ( a collection agency ), given that we never received the services promised by XXXX XXXX and the account was transferred without my consent. 

XXXX has continued to charge maintenance fees and other hidden fees, despite the lack of service delivery. Attempts to resolve these issues with XXXX customer service have been unsuccessful, and my concerns were dismissed or ignored. 

My husband and I, were misled by XXXX representatives during the sales presentation. The representatives promised high availability of vacation properties, luxury accommodations, and flexible booking options, none of which were honored after the contract was signed. 

We believe XXXX 's practices violate various consumer protection laws, including but not limited to fraud, false advertising, and breach of contract. The company 's conduct is unlawful and unfair to all consumers who have been similarly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) AccountXXXX 15 USC 1292J XX/XX/XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 15 USC 1292J XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes.

Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Product: Debt collection

Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call.
Product: Money transfer, virtual currency, or money service

Venmo illegally frozen my account and they refuse to let me withdraw my XXXX and close my account as well
Product: Checking or savings account

I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Citibank. My complaint case numbers are # XXXX and # XXXX XXXX. I've been in contact with the Citi Executive Unit since XX/XX/year>, in regard to the issue with my blocked checking account. On XX/XX/year>, I was informed that a response would be provided within 15 calendar days. However, on XX/XX/year>, I received a response from the Citi Executive Unit stating that there had been a delay in resolving my concerns and that additional time was needed to research the matter. Finally, on XX/XX/year>, I received a response stating that they have requested another letter to be sent via United States XXXX XXXX ( XXXX ) from the Fraud Prevention Department. Three weeks have passed and the letter still hasn't arrived. Despite my willingness to cooperate, I have been unsuccessful in receiving a permanent resolution from Citibank.
Product: Student loan

On XX/XX/XXXX, after being advised on multiple occasions via the channels that have serviced my student loans with American Education Services ( AES ) /NCT, I was advised by AES XXXX that they are unwilling to assist me with placing my student loans on a Natural Disaster Forbearance for several natural disasters which have affected my employment including the Bond Wildfires in XX/XX/XXXX, and the California wildfires in XX/XX/XXXX, both as declared by XXXX XXXX This, in addition, to the severe hardship I am still encountering due to COVID-19 financially and medically, as explained to AES Servicing on multiple occasions via phone and in writing. 

AES is arbitrarily denying my request for assistance, even in lieu of the Natural Disasters for which my loans qualify. In addition, in working with AES, I was advised that they are able to complete an in-house Exception Forbearance when the lender ( NCT ) does not respond, and at present are now seemingly unwilling to do so even in lieu of processing this previously and advising me that this could be done again should my severe hardship perpetuate as it has. I feel that at this time, I am being unfairly treated by this company, whom is unwilling to assist me during an exorbitantly difficult time, even in lieu of all of the documents requested being provided including proof of unemployment due to COVID-19 and the documented natural disasters as described. I have also contact AES XXXX XXXX XXXX XXXX, and the Executive Office, with my contacts going unanswered by the Executive Team. 
At this time, I am requesting immediate contact from executive management to assist me in placing these loans in a Natural Disaster forbearance as previously promised and advised to me via these avenues.
Product: Debt collection

on XX/XX/2022 i file a dispute with DYNAMIC RECOVERY SOLUTIONS several times actually because this account is not mines and it wasn't me who open this account. Member denied all my disputes i filed. I also called them to explained to them that my identity was stolen and several different accounts was open with my name and they told me i would still have to pay this debt.
Product: Vehicle loan or lease

I have a car loan for a total of XXXX on a used XXXX XXXX XXXX used. Ive been paying the car off since XXXX of XXXX. They sold my contract to another company. Now this new company says I owe XXXX more becuse of finance fees that was never disclosed to me at the original auto sale company. They sent me a letter saying I owe that much after they bought my contract without me being present. Under GAAP laws Im hoping you guys can help me out please this is incredibly wrong.
Product: Mortgage

I was in foreclosure after a severe XXXX XXXX  caused me to fall behind in payments. I received a grant from XXXX XXXX the amount of {$48000.00} to get me out of the rears and pay the next 5 months of mortgage payments as I continue to heal and get back to working full time. When the government agency asked Provident Funding for the amount I was in the rears, they paid my rears in full and made my XXXX payment. After Provident received the rears payment and mortgage payment, they reached out to the XXXX and said they had other monies owed from the lawyer and needed to be paid so I do not go back into the rears. I was not informed of this and when the government agency told me, I thought it was odd that my mortgage company never sent me any info on this so I asked them. The Sheriff 's Auction/auctioneer fees were {$4900.00} along with other fees. When I asked the mortgage company about it, they told me that what the lawyer sent. Since this was a little on the high side since it never went to auction, I called the sheriff 's office, my fees charged was {$2400.00}. Now I call the law firm and I 'm told the mortgage company is lying and was never sent a legal bill yet. So Povident called the government agency, demanding more money for a legal bill they never received or paid out with amounts they made up. If this is not illegal I think it should be. This additional money paid out was to go to XXXX and XXXX mortgage payments. I do n't understand how they can give an amount to get current only to come back after being paid to tell a government agency you now owe more to be current and they also sent me a bill to be insured by their insurance company over {$1000.00} for 6 months when they already paid my personal homeowners policy. I no longer trust them, I would have not known I owed any other monies if the government agency did n't call me and the money they took were double what I was being billed by the lawyer ... ...
Product: Credit reporting or other personal consumer reports

I have put several disputes on negative accounts that show up on my credit report. All of these accounts have been paid in full. The XXXX XXXX was paid in full in beginning of XX/XX/XXXX. The other cards were paid in full XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance Owed : {$4200.00} ; XXXX  XXXX XXXX Balance Owed : {$4500.00} ; XXXX  XXXX XXXX Balance XXXX XXXX {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$12000.00} .