23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I have a XXXX XXXX loan that was taken out in my name several years ago that I believe falls under the XXXX XXXX XXXX  class action settlement. The amount of the loan was for {$50000.00}. I have requested documents showing my signature and I somehow got access to their portal, but the documents do not show my signature and this loan was not taken out in my name.
Product: Credit reporting or other personal consumer reports

My information was exposed in the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were ma

king to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC o
pinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I have an issue with transition that I am not having with my other credit bureaus. I will attach images to show the issue that I am having revolving my XXXX XXXX  auto loan account. The creditor XXXX XXXX  themselves had incorrect information on my credit report which they had fixed stating that I had missed late payments in which thee payments made, past due, pay status, remarks, maximum delinquency, rating, payment received, and historical trend data were all incorrect on my transunion credit report. I had reached out to the creditor and transition to have this fixed and this is the second time where after it was fixed that out of the blue transunion goes back to having this negative wrong inaccurate information reporting on my credit report. That is severely hurting my credit in which un-allowing me to apply for a home loan. I need this fixed on my transunion credit report as I don't have this issue with the credit bureaus and I will attach the fixed information that was updated in which I don't get why it keeps reverting to the wrong information that is severely hurting my credit.
Product: Credit reporting or other personal consumer reports

Unauthorized or Fraudulent XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 i submitted complaint # XXXX against rushmore llc for not responding to the state of new jersey erma program request for reinstatement balance. Rushmore responded on XX/XX/2023 after finally sending the documents requested to be reviewed. On the same day rushmore reported to creditors that a foreclosure was initiated.This is a retaliation and illegal due to the fact rushmore just sent documents after the complaint was filed.I have not yet to receive any foreclosure court documents and the reinstatement quote is in access of whats actually owed.
Product: Debt collection

Upon reviewing my credit report, I discovered accounts that I suspect were added without my consent. Please take immediate action to block and delete these entries.
Product: Credit card or prepaid card

I have recently become aware of an online scammer. I ordered shoes on XX/XX/2022 for my daughter to have school shoes. They were supposed to ship in XXXX, which was normal at the time because XXXX did pre-orders and never had a problem. I ordered a second pre-order on XX/XX/2022 that was also supposed to ship in XXXX. XXXX kept posting updates about delays with customs and other issues like moving to a new state and warehouse. XXXX is here and XXXX decided to cancel the orders due to out of season shoes. She refunds a gift card. I order more shoes with the promise of no more delays. I placed a new order of shoes on XX/XX/2022 because they were the shoes that were just canceled and had a new ship date of XXXX. My last order I placed on XX/XX/2022 stating they would ship in XXXX. XXXX post that the XXXX and XXXX shoes are running behind again and will ship out on the end of XXXX. XXXX threatened if we dispute or file chargebacks on our banks that we would be removed from the group. 

I call Suncoast Credit Union who I have banked with for XXXX XXXX years to dispute these transactions as the business is not replying to emails and refusing to refund the money back appropriately. They stated that since its past 90 days they will not refund my money and there is nothing more that they can do. 
However, they refunded a friend for the same transaction history that I have. Also, I have up to 120 days of when I was expecting to receive the merchandise and I am in that time frame.
Product: Credit reporting or other personal consumer reports

Subject : Escalation of Dispute Regarding Account Number : XXXX Dear Sir/Madam, I am writing in response to your reply via the Consumer Financial Protection Bureau ( CFPB ) portal regarding the alleged debt associated with my former lease at XXXX XXXX XXXX XXXX Your response fails to address or resolve my concerns and further misrepresents the facts of the situation. 

To reiterate : XXXX. I vacated the property on XX/XX/year>, under an agreement with XXXX XXXX XXXX to move out early due to an armed break-in at my unit in late XX/XX/year>. This release was granted based on police advisement for my safety. XXXX XXXX XXXX explicitly agreed there would be no penalties or fees associated with my early move-out and agreed it was in everyones best interest. Police records can be provided. 
XXXX. I have had no financial or contractual obligations to XXXX XXXX XXXX since my move-out date. I have been residing in a new apartment complex since XX/XX/year>, and fulfilled all terms of my tenancy prior to this release. My final month as a tenant at this address was XXXXXXXX XXXX XXXX due to my safety. 
XXXX. The alleged debt is therefore entirely invalid, as I was released from any further obligations under my lease, and no charges were ever communicated to me at the time of my departure. 

Failure to Provide Validation of Debt Your claim that a Lease Agreement and Resident Ledger were provided as validation is misleading and insufficient. These documents fail to explain : How the alleged debt was calculated. 
What charges or fees are included in the balance and why they are owed. 
Why I was never informed of these charges before they were sent to collections. 

This lack of transparency is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( validation of debts ) and 15 U.S.C. 1692e ( false or misleading representations ). 

XXXX XXXX to Resolve I request the following information within 14 days of receipt of this letter : XXXX. A complete, itemized breakdown of the alleged charges, including dates, descriptions, and amounts. 
XXXX. Proof that these charges are consistent with the terms of the lease agreement and the early move-out agreement. 
XXXX. Evidence of any communication from XXXX XXXX XXXX informing me of these charges prior to sending the account to collections. 

If this information can not be provided or if the alleged debt is not withdrawn, I will escalate the matter further. My next steps will include : Filing a formal complaint with the state Attorney XXXX office and any applicable housing authorities. 
XXXX with a consumer protection attorney to pursue legal action for damages under the FDCPA and state-specific tenant protections. 
Ensuring that this matter is contested with all major credit reporting agencies to prevent or remove any negative impact on my credit report. 

This is your final opportunity to resolve this matter amicably by providing the requested information and withdrawing the alleged debt. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX TransUnion-Account number XXXX XXXX XXXX ( XXXX XXXXXXXX XXXXXXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX  XXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Product: Payday loan, title loan, or personal loan

First and foremost I would like to address my concerns with Fig Loans of Texas which Fig Loans refuses to acknowledge and refuses to resolve. 
1. Fig Loans of Texas ( Fig Texas ) Opened a Loan in an unknown time for $ XXXX {$200.00} Fig loans reports this as Deliquent monthly to the consumer credit bureaus. 
2. It was already reported to Fig loans that I did not receive any funds from this loan, It was opened with a checking account which is now closed due to identity theft, and a phone number that isn't associated with me. Additionally, This has been reported to fig loans and they refuse to do anything even with an Identity theft affidavit. This is a legal document that is honored by the FTC and sent to the FBI Regarding Identity theft.

3. Fig loans did not send me any documentation regarding this loan, I did not receive funds from this loan, Fig loans did not verify it was me that was applying for this loan. They did not send me any statement 's regarding this loan, I have not received any documentation pertaining to this loan, Yet fig is under the impression I OWE THEM FOR A DEBT they sent to some thief.

4. Fig Loan 's continues to FALSELY report the loan on to my credit report stating that the loan is deliquent and it increases each month. I never received any monetary benefit from this loan, and I refuse to pay something I didn't authorize. They never confirmed it was me applying for it. If they had I would have advised it wasn't me. They never contacted me, instead they attempt to collect a debt that I do not owe. I refuse to pay something that I did not open and I did not sign, and I did not apply for. This was not received by me, it was not applied for by me, and I NEVER AUTHORIZED THIS ACCOUNT. It's fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX
Product: Debt collection

My husband had medical debts that the collection agency had put in my name even though I was not on the medical bill. My husbands only income was social security and I was working so that is why they put his debt under my name. I do not think this was fair. My credit report is affected and I have repeatedly asked them to take my husband 's bills off of my account and they have not done so. He has since passed away and they still have his debt on my account. I need help. I do not know where to turn.
Product: Mortgage

I would be very VERY cautious before ever EVER getting a mortgage with XXXX XXXX. If you do you will be inundated with mail and email solicitations trying to get you to refinance. The mail solicitations they make look like something you need to open and when you do it will just be another sales pitch. You get so many that you begin to routinely throw them away rather than waste your time ... but beware ... in the process you might throw away their annual escrow analysis. So even if you have the mortgage set up to be automatically paid by your bank 's bill pay system, you will suddenly not be paying enough. They will call you and email you non-stop to refinance you but will they tell you your payment was a little short? Nope!! So although you send them your payment, they will take the payment and sit on it ... and not apply it ... because it wasn't the new full amount. Then they will report you late to the credit bureau. 

They never sent it back they never called me to let me know they were just holding it in limbo. Instead they reported it 1 times 30 days late on my credit report despite that I had paid on time just was short by their new escrow adjustment. I brought this to their attention and asked them to correct the error since they actually had almost the entire amount of my payment. Their response was " This correction would be considered a courtesy and we are unable to honor the request. '' Again, be wary of doing business with this company. They are very dishonest. My credit history is spotless except for this because I always pay my bills on time. Please help me get them to fix this error.
Product: Credit reporting or other personal consumer reports

Kindly investigate these items in accordance with the Fair Credit Reporting Act ( FCRA ) and remove or correct them as necessary. I have attached a copy of my credit report with the disputed entries highlighted, along with supporting documentation to assist in your review. 

I appreciate your prompt attention to this matter and request a written response with the results of your investigation within 30 days, as outlined by the FCRA. If any item is not removed, please provide the name and contact information of the entity that confirmed its accuracy. 

Late Payment : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Company : PNC Bank. 

Please see the attached letter sent to PNC bank on XX/XX/XXXX detailing the event in question. Since that time, I have been in contact with XXXX XXXX XXXX, Executive Client Relations Representative at PNC Bank. Her contact information is as follows : ( p ) XXXX ; ( f ) XXXX ; XXXX. Unfortunately, PNC has declined to reinstate the funds to my account, or even inspect, reprimand, or manage the PNC account holder that scammed me. 

On Thursday, XX/XX/2019, as instructed, I deposited {$1400.00} into a PNC account holders account by the name of XXXX XXXX ( Account # XXXX ). Subsequently, correspondence between the landlady and I became less frequent. She stopped responding to my emails and texts altogether, and never fulfilled her part of the agreement in sending me the keys and particulars to the unit. It is now evident that I have fallen victim to a scam. I was left devastated and, quite honestly, humiliated with no place to live only a few days before starting a new career. I have had to freeze my credit, open new banking accounts, credit/debit cards etc. The process has been exhausting, frustrating, and costly. 

PNC Bank has declined to look into the account that scammed me and further, declined my request to reinstate my funds after what they called a " thorough investigation. '' PNC indicated that my request was declined because of the policy that is signed by the account holder indicates that PNC is not at fault for these types of incidents, citing that the policy states that I " particpated '' in the nefarious transaction, even if unaware, as I deposited the funds willingly into the account. A significant point to consider - I was not a PNC account holder at the time I deposited these funds, nor was I ever previous to the transaction. I did not open an account with PNC until XX/XX/2019, so why is it that PNC is applying such terms to its rationale as to not return my funds? 

PNC has a responsibility as a financial institution to monitor and prevent fraud and the institute is outwardly denying adamantly to even investigate or contact the account holder. I am perplexed at how, me, as an outsider who was not an account holder at the time ; hence not signing or agreeing to any terms, is now being held to an agreement. Even more so, I am disappointed in PNC 's negligence and insouciant stance towards blatant fraudulent behavior. 

I can provide any and all documents upon request, including all email/text correspondence between the scammer and myself. 

Please feel free to reach me via phone at ( XXXX ) XXXX or email : XXXX. 

Thank you,
Product: Checking or savings account

I am the executor of an estate and the POD/Beneficiary of an IRA CD at Valley Bank and 11 months ago dropped off a death certificate and Surrogate certificate. Several months later I again showed the same paperwork at bank. Five weeks ago a responded to a branch to transfer the funds to another institution in my name and was told that they were not aware the owner of the account had passed. For a third time, I provided the paperwork showing he had passed and was told in four weeks I would receive paperwork. Five weeks have passed and I contacted branch who called IRA department and said it will be 2-3 weeks more before I receive any paperwork. The branch representative was not sure how things would proceed and informed me that the IRA department who is their " back office '' handles these matters. I requested to speak directly with them and was told they do not speak to customers but I can try the main Valley Bank number. I stayed on hold for close to two hours with no response. Again, I reached out to Valley Bank and put my representative from XXXX XXXX where I would like to move the funds on the phone with Valley staff. The situation still could not be resolved as the Valley Bank teller/banker could not provide a professional courtesy and allow the XXXX XXXX representative speak to someone who had knowledge of what to do. Valley Bank rep. told XXXX XXXX to call the same number I had and that she would be waiting a couple of hours if she did get through to someone. Situation still not resolved.
Product: Debt collection

I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report.
2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.
Product: Credit reporting or other personal consumer reports

You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the account.
Product: Credit card

I brought my car to Pep Boys on XX/XX/2024, to have the XXXX replaced. Before handing over the car, they checked everything and confirmed the AC was working fine. However, the next day, after just three minutes of driving, I noticed the AC was blowing hot air. I returned to Pep Boys, but they claimed everything was fine. It's been three months now, enduring Florida 's XXXX heat without AC. When I contacted Pep Boys, they accused me of lying about the AC issue.they charged me {$1200.00} I'm seeking reimbursement to fix my AC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

Less than a year ago Citibank lowered my credit limit for some reason so I called asked why got an answer I didnt agree with. So I closed to acct I ask the individual if there were any pending charges he said no. Later on down the road come to find out there was and I was charged late fees snd interest on them. Filed a XXXX complaint they fixed the charges but wouldnt correct the late payments on the later fees/charges they credit to the account.