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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 requested the inquiries be deleted and they removed it and sent me confirmation of its removal but yet its still on my credit report which IS ILLEGAL!!!! Im forced to seek litigation AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I transferred XXXX  the amount of {$1000.00} from my Venmo account balance into my checking account at XXXX. I've had a Venmo account for many years and have never had a problem with this. A few weeks prior to this transfer I had lost my debit card and thought I needed to create a new profile for my debit card to be able to deposit the Venmo funds into my XXXX account. I realized later, however, that all that Venmo needed was my account number and my routing number, which was already included in a VERIFIED profile that I had been using for transfers. 

On XX/XX/year> at XXXX I transfer this money into the UNVERIFIED account that had the exact same information in it as the verified account. I never received that in my checking account at XXXX although the Venmo transaction say it was completed on XX/XX/year> at XXXX XXXX. 

Upon noticing this problem I contacted Venmo right away and had quite a lot of trouble getting any answers. They said that the amount should be in my bank account and told me to contact my bank. 

I contacted my bank and they opened an investigation to see where this money could have gone. They sent me a letter saying that they have no record of this amount coming into their bank from Venmo on or around XX/XX/year>. 

Upon getting this information I contacted Venmo again where they opened a dispute to look into this further. After months of waiting for a decision they sent me an email saying that my dispute had been denied. They believe that the money should be in my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801. 

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/XXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.
Pursuant 15 USC 680XXXX Account # XXXX x XXXX
Product: Vehicle loan or lease

I have contacted Bridgecrest for a payoff letter as I am trading in my car for a new vehicle.
Product: Credit reporting

This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and credit file address.
Product: Mortgage

My mortgage company is refusing to work with me to pay delinquent mortgages that I owe. My house is scehduled to be forclosed on XXXX XXXX, 2015. I had contacted the mortgage company after I got into serious financial problems due to my father 's illness/lost my fanther 's brother. I then had to travel to XXXX to bury my uncle since my father was too sick to travel. When I returned in early XXXX, 2015, I was served with forclosure notice. I contacted SLS, the mortgage company asking for ways I can resolve the issue. It took them a while to get back to me. They then sent me a form for modification, which I completed and emailed to them. They still did not get back to me. I called their forclosure attorney and spoke to them stating that I can work out a payment over a 4 months peroid, if the mortgage company can allow me split the past due balance over a four-month 's period, plus the monthly payment. I was asked to contact SLS again, since I had not heard from themToday, XXXX/XXXX/15, I called the SLS office to find out what the total balance or reinstatement amount would be, since they had not communicated that information to me. I then received a fax stating that I owe {$17000.00}, which includes legal fees and some other amounts. 
I do not have this kind of amount or do I know where to raise this amount of money in 5 days. My dad has been very ill and I have been responsible for his medical bills since he has been in the hospital for the past XXXX weeks. I have a duahgter in college, and I have been responsible for her tuition. 
I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. 

I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. 
My father is too sick to be moved anywhere and he could depart this woorld any day now. 
Please help me. 
I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. 

PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.
Product: Debt collection

I previously notified XXXX on XX/XX/XXXX that I am a victim of identity theft, and requested that they do the following : 1 ) Close the unauthorized account, 2 ) Remove any charges on the unauthorized account, and 3 ) Take steps to remove information about this account from my credit files. To date I have still not received written confirmation of these actions. 

Instead, I have received a new bill from a new debt collector, Afni , Inc., stating that I owe even more money to XXXX. As I stated before, I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I request that it be closed immediately. XXXX has not responded and instead put me in debt collection.
Product: Credit reporting or other personal consumer reports

I was looking at my consumer report and noticed some charge offs and late payments reporting on my consumer report. In accordance with Fair CREDIT REPORTING ACT, I Hereby request an investigation into these items and their subsequent removal from my credit report. Please remove these charge offs from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these agencies has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads way to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would be WILLFULLY continuing to violate various federal laws by continuing to report this information thats harming my character. Also For the agency XXXX XXXX XXXX has been reporting multiple late payments on my credit report has violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) or 15 USC 1681 ; I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I am requesting this matter be resolved in a fair and equitable manner. Also, this agency has violated the timing of payments law under 15 USC 1666b. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 
These reported late payments are not only a violation of federal law, but they have damaged me in the form of defamation of my character and your agency has committed aggravated identity theft, because I didnt give you written permission to report this information, which is a clear violation of the permissible purposes section of the Fair Credit Reporting Act, pursuant to 15 USC 1681b ( 2 ). 
I am demanding you to notify the consumer reporting agencies to correct the above late payments from my consumer report to a status of paid on time, never late.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

I XXXX, XXXX, my mortgage service company sent me a letter stating that I am eligible to recast my mortgage. I said yes, and sent the form back to them. They never responded again, so on XXXX XXXX, XXXX, I called them to check on the recast and they said it was still pending. I paid the new, higher, amount on XXXX XXXX, XXXX. Since that time I have called repeatedly and have been told by Nationstart my recast was pending, being reviewed, lost, resubmitted, denied, and now pending again. 
Could you please help me? My interest rate was adjusted XXXX/XXXX/XXXX, and without the recast, I am having real difficulty paying the extra money each month. I am concerned about losing my home, especially when the interest adjusts again XXXX XXXX, XXXX. The recast would enable me to be able to pay each month. 
They were kind enough to offer this to me, but have not done anything to help recast my mortgage. I have done everything they have asked and still nothing. One department told me the last week of XXXX they had halted recasting HAMP mortgages at that time, XXXX XXXX, XXXX. However, I applied for the recast when they offered it in XXXX, XXXX. 
My mortgage information is : Nationstar Mortgage, XXXX, TX My loan number : XXXX Thank you for any help you can offer me. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX
Product: Mortgage

In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.
Product: Money transfer, virtual currency, or money service

I am urgently reaching out to you for the XXXX  time to address a pressing matter with my accounts. JPMORGAN Chase recently declined my deposit not once, but twice, Rejecting the funds that would have Rectified negative balance in my checking account that requires immediate attention since it is slated to close. This situation is causing serious concerns as it affects my credit score and is hindering my ability to open a new bank account. I am no longer banking with Chase, and the prolonged process resolving this matter seem unnecessary. Despite making multiple attempts to rectify the negative balance, the issue persists, and it is adversely affecting my financial obligations. Specifically, I have rent due on XX/XX/XXXX, child support payments, and other essential bills that I am struggling to meet.I want to emphasize that I have committed no criminal offenses or fraud of any kind nor have i in the past. My sole request is for the ability to pay Chase the negative balance on my checking account and ability to withdraw the liquid funds from my brokerage account, which rightfully belongs to me. The urgency of this matter can not be overstated as I face the imminent risk of losing my apartment. I implore your immediate assistance in resolving this matter swiftly and allowing me access to the funds in my brokerage account. Waiting for 60 days, or even 30 days, is not feasible, and the potential consequences are severe.Thank you for your urgent attention to this matter. I am hopeful for a swift and positive resolution. Thank you for taking the time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX all of the above XXXX have violated my rights. 
15 U.S.C 1681section 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: Payday loan, title loan, or personal loan

XX/XX/XXXX I received a Notice of Adverse Action stating that I was turned down for a loan from Sunshine Loans. 
The letter was addressed to my maiden name and references an alleged loan number. I never applied for a loan. 
XX/XX/XXXX I called to discuss with the company and was told this letter was so that I could apply for a loan. I explained that I never applied and the person hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Company Consumer Portfolio Servi Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights Under 15USC1681. Experian is govern by 15USC1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because according to 15USC1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned my Ford Focus sedan to the Ford dealer in XXXX, FL at the conclusion of a XXXX lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected. 

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from Ford or Ford Credit. No  invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " XXXX XXXX XXXX XXXX XXXX '' for collections. Upon receiving this letter, I immediately called Ford Credit, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. On XX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX XXXX. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that Ford Credit severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX  to resolve this matter in their time constraints, meanwhile Ford Credit already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX TBOM XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXXXXXX* Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} 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

bought an apple watch, they offered an incentive to use an Apple Card for payment, which I agreed to but connected to my credit card so when the payment came due Apple Card would be paid in full. They started charging me a monthly recurring fee for something sometime after the purchase and never told me or billed me yet reported me to the credit agencies for not making the payments. To this day I have no idea what they charged me for. I had PERFECT credit before this and I would NOT risk losing stellar credit status over a {$17.00} dispute. I even paid the {$17.00} so the monthly negative reporting would stop. I just want them to reverse the DAMAGE they did due to their incompetence. Nobody at Goldman Sachs will deliver me any proof of purchase or agree to purchase ( because it doesn't exist ) and they won't accept responsibility or fix the damage they did. What recourse do I have? They just get to play XXXX with my credit? I will NEVER buy an Apple product again. We all agree the account balance has been satisfied, but they refuse to report THEY MADE A MISTAKE with reporting to credit agencies. I either want this fixed or provide proof of purchase.
Product: Credit reporting or other personal consumer reports

This company Experian continues to report fraudulent information even after being notified. 

My file have a freeze on it and apparently it wasn't lock and its still open. My profile was never frozen
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX