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

This is my second request to XXXXhree Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : 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
Product: Money transfer, virtual currency, or money service

An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )
Product: Credit reporting or other personal consumer reports

I am so glad that the XXXX had manage to remove all the issues that I have put forward to them. And the most of the problematic issues were also removed from my Experian and XXXX credit reports. The thing is there were still few more troublesome items which were not removed yet. So, I am requesting the Experian and XXXX XXXX to please remove them within XXXX : EXPERIAN : CHILD SUPPORT ENFORCEM XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX POLICE AND FIRE FCU/PA XX/XX/XXXX POLICE AND FIRE FCU/PA XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

I used a money transfer with MoneyGram transaction # XXXX on XX/XX/year> amount sent was {$5000.00} with a {$59.00} transfer fee for a total of {$5000.00}. Moneygram notified me via email XX/XX/year> that the transaction was being cancelled and refunded because the wire was rejected. Ive contacted them 5 times and each time they confirmed they have the funds to refund but they are escalating the request because they do not know how to refund. We are approaching 30 days of them holding my funds and I have not been followed up with at all. Ive submitted XXXX complaints on their site with no response.
Product: Mortgage

I have tried to get a modification or forbearance or sing they did not need the information, they explained that my am getting confused on what is going on. I feel I am being strung along. Ocwen and PHH are both not being honest with me on what is going on. I want them investigated as to why all the information they provided me was wrong. Since XXXX I lost my job and have tried to find a way to pay, I even file for bankruptcy but lost my job again. When I got back on my feet I tried for a forbearance and modification for the over 9.75 % rate and the additional 5,5 % added to arrears portion making it over 14.75 % I asked for help and they gave me all fictitious information that was wrong. I finally got a fulltime job in XXXX but was turned down twice for assistance. 
My problem is that twice I received letters asking me to send information to them so they can review for assistance. I sent what was required they kept stating they did do modifications on my type of loan. I kept seI want the right to directly to investor XXXX XXXX  and let them see I am now able to pay and make a direct request to XXXX XXXX, know that is would be a win win situation. They save money on foreclosure and I get to stay in my home, I build over thirty-eight years  ago on a lot my father bought over forty years ago, I want to stay and pay. I need them to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXX {$1300.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} has violated my rights. 

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

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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, credit repair services, or other personal consumer reports

I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. 

The issues I have had with XXXX have been horrendous. 

I have tried to settle this issue with XXXX since then. 

On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! 

Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. 

Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone.

I do not know how they can randomly ruin my credit without me even knowing who or what they are. 

I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. 

I understand I will need to contact an attorney, and I will do so as soon as possible. 

I feel GC Services needs to remove these items immediately as they are incorrect.

GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood.

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

I have been reviewing copies of my credit report and noticed inaccuracies that I have identified to the credit bureaus. I am requesting an investigation regarding the reporting error. It is my understanding the credit bureaus are required to investigate this account to ensure ist is reporting accurately. Please verify and provide me with an update. I am providing the account information as listed on my credit report below for your assistance. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got divorced and my exhusband XX/XX/2019 and he was taking the car that was financed through GM Financial and was suppose to get it put in his name and take me off per the Judges orders. I took possession of the XXXX and have been continually making on time payments of {$380.00}. He was paying me {$300.00} a month to make the payment so that I could pay the loan until he got me off the loan. He stopped paying me and stopped paying child support so there was no way I could pay the payment. I notified GM Financial and they didn't seem to care. They said I was the cosigner so if XXXX ( my ex ) did not pay then I had to. They also said that it was a civil matter and they would ruin my credit unless I paid since XXXX wasnt paying. Its not fair that this is hurting my credit when he was responsible for the payments. The car got repossessed. I just want this off my credit and it should only be affecting him. This isnt fare that I'm raising our kids on no support ( he got caught by XXXX and was forced to start paying again but has recently quit his job so child support is stopping again ). There is no way I can pay his debt too. And I can't afford to hire an attorney again to take him back to court for not taking me off the loan.
Product: Mortgage

Last year I noticed a transaction in the amount of {$28.00} that was designated as an escrow transaction. I do not have an escrow account, by choice. I was assured that the account had been corrected. 
Again, this year another transaction for the escrow account in the amount of {$340.00} posted in XX/XX/2018. Since I do not have an escrow account, where is this money coming from to pay the insurance? Would not someone have noticed there is not an account to draw this from? I am beyond frustrated with this lack of follow through. See the attached document from the re-fi closing where the mortgage is designated as non-escrow. ( in yellow ) Now  the insurance has been paid without my knowledge or consent and I am in the process of changing insurance companies. Now it is my burden to wait for a refund check from the insurance company that was paid in error. 
I paid more to obtain a mortgage as a non-escrow account and now I am spending my time to fix what should have been right the first time, or at the very least fixed when I inquired about it last year. 
When I contacted them last week, I requested that I be contacted via email within 24 hours regarding the plan to correct the issue, I have yet to hear from anyone at Rushmore.
Product: Debt collection

I had my credit ran and found out that a fraudulent account was opened in my name. 
under FCRA 605B ( 15U.S.C. 1681c-2, this information is to be blocked from my report. I have filed a police report and contacted the original creditor. This informatin needs to be removed and blocked within 4 days. 
Documents Provided FTC Report Police Report Furnishing
Product: Payday loan, title loan, personal loan, or advance loan

Paypal sent a request for me to apply for a business line of credit on XX/XX/2024 saying I was eligible for a loan. I have worked with them for 10 years with XXXX XXXX XXXX XXXX, and have paid back on time over XXXX of loan amounts with businesses. 

They said it was a soft pull so I am expecting to not see them as an inquiry. 

they turned me down using not true data and credit scores of XXXX with XXXX. 

Key factors ( see attached ) show credit lateness which I have none show debt ratio off, which i have 30-50 % with all credit and not long term credit -- I am XXXX and my XXXX report shows me with exceptional credit with long term credit, i have had credit for over XXXX plus years ... ......
Product: Credit card or prepaid card

I wallet was stolen and I filed a police report with the XXXX county sheriffs office case numberXXXX XXXX. I called capital one and advised them that this account was fraudulent. they refused to assist me. As a result of there lax verification process my credit is now getting screwed up.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Customer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transactions Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I am receiving letters from XXXX XXXX XXXX and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.
Product: Checking or savings account

My XXXX y.o mother has a checking account with PNC bank branch : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX She does not have a debit card, as so she does not have access to her funds with this bank. 
The bank has closed, the bank phone has no information ; in fact, the phone rings until you get a XXXX error message. There is a sign posted on the door of the bank saying it's closed, with no other information. 

This bank branch is in a community of elders and vulnerable adults. XXXX  XXXX XXXX is one of the largest retirement communities in the country. PNC has closed this branch, ( the closest open branch is in XXXX XXXX, FL, ; XXXX XXXX XXXX XXXX , XXXX XXXX, FL and is only accessible by car, if you are lucky enough to have one.  The faster route to the open bank is logged at 40 miles  from the XXXX XXXX branch via XXXX XXXX. 

PNC 's decision to close the branch, along with the reckless lack of communication to its patron is unconscionable. It's as if PNC has deliberately closed this branch, where they know its patrons have limited access and mobility and are unable to access their money.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I had an account with XXXX and this account was closed years ago. I did not have access to email or the account and they continue to charge me fees. When I've called about a dozen times they put me on hold for hours and then ultimately hang up on me. The charges were made after the account was closed, because the charges were made so long ago the agents are not allowed to remove the charges, they continue to charge late fees even though the account is not in use and closed. at this point there are thousands of dollars in fees and I'm not sure how to stop. The customer support is in XXXX and there is no person to speak with in the US. Not only are they charging me fees for transactions never maid, they are reporting to the credit bureaus that I'm late on my payments affecting my credit report.
Product: Payday loan, title loan, or personal loan

Credit karma told me I was pre approved for personal loans and when I applied for them I would get denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a letter from the original creditor stating that I have a closed account that is paid with a XXXX $ balance XXXX XXXX with XXXX XXXX XXXX. XXXX and XXXX already removed this closed account from their reports but Transunion did not. Being the fact that the other 2 credit bureaus removed the account.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

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

I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed. 
I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX  and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX  ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the bureaus.
Product: Vehicle loan or lease

Received a buyout quote from Hyundai motor finance to purchase the leased vehicle.Sent Hyundai motor finance a cashiers check for the amount quoted by Hyundai motor finance to purchase the vehicle ( XXXX ). Hyundai motor finance cashed the check on XX/XX/2021 and we have not received the title.Despite XXXX phone calls and constant assurances that the title has been mailed still nothing.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit card

I had prebooked XXXX XXXX car from dealer XXXX XXXX XXXX XXXX located in XXXX, NJ. Amount of {$2000.00} was paid as refundable deposit on XX/XX/XXXX using Citi Visa Card ending XXXX. 

The car manufacturing was delayed by XXXX XXXX until XXXX and I ended up canceling my booking in XX/XX/XXXX. XXXX XXXX processed refund in the amount of {$2000.00} on XX/XX/XXXX to my Citi Visa Card, to the same card that was used to make the booking. A copy of the credit card refund transaction batch processing has been provided by XXXX XXXX as a proof that the refund has been processed from their end. 
On about XX/XX/XXXX I saw a {$2000.00} pending credit on my Citi Visa Card online account from XXXX XXXX. That pending credit transaction vanished the next day. I followed up with XXXX Customer Service inquiring about the credit and was advised that it was normal process for pending credit to disappear, to give it a week for credit to be posted into my account. 
It has been more than 3 weeks since XXXX XXXX processed credit and I have not yet received it. 
I have followed up several times with both XXXX XXXX and Citi Customer Service. On XX/XX/XXXX I met with XXXX XXXX XXXX in person at their dealership. I was assured that they have processed the credit and amount of {$2000.00} has already been debited from their account. I called Citi Customer Service in XXXX XXXX 's Accountant presence, and we ( XXXX XXXX, Citi Customer Service, myself ) discussed on speaker phone about who is holding the money. 
There is not outcome yet and at this point neither XXXX XXXX nor Citi Visa Card can provide an update on where is the money.
Product: Credit reporting

went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}