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

I recently moved to a new address and I informed Equifax about updating my credit report with my new address. I have mailed them letters along with my personal documents requesting for them to update my credit report to reflect my new address XXXX times. They have yet to update my address despite XXXX letters and XXXX phone calls requesting them to do so. I need my address updated ASAP.
Product: Payday loan, title loan, or personal loan

I attempted to payoff this loan early for the anticipated payoff amount of {$6700.00} to the company ( Santander Consumers USA ) directly. However, when I attempted to pay this amount they refused to let me pay more than {$2900.00}, per transaction. When I spoke with a representative ( XXXX ID # XXXX ) I was advised that I could not pay off the total amount owed in one transaction, per a limit. I was advised that I would have to do multiple transactions ( 3 over 2 days ) instead of all as one lump-sum. I was forwarded to a supervisor ( XXXX ID # XXXX ) who also reiterated the same. This type of hassle is shady from a consumer standpoint, as well as seems to be circumventing regulatory reporting processes for XXXX. If I was a consumer and was committing these types of transactions it would be viewed, by most semi-intelligent persons, as an attempt to commit money-laundering and trying to avoid any type of list for going over a {$3000.00} triggering amount. Being that there was no Due Diligence question of the source of funds, this tells me that Santander Consumers USA is either avoiding Federal banking regulatory procedures, or is just plain lazy. Either way, there is no reason that a consumer should be required to make multiple transactions for a payoff. This gives MY bank due cause to question my motives and put me through a battery of unnecessary scrutiny, when I am trying to complete a legitimate payoff of a liability. When interest is accrued on a daily-basis, this is costing me more money to pay in multiple transactions over multiple days.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information is incorrect on my credit report, XXXX XXXX XX/XX/22 XXXX XX/XX/22 these inaccurate inquiries are hindering me from my current mortage approval i am asking that you remove it ASAP I HAVE NO CLUE OF THIS INFORMATION
Product: Debt collection

A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. 
Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... 
And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.
Product: Money transfer, virtual currency, or money service

So basically I have done a cash deposit To my PayPal account On 3 different days on XX/XX/XXXX, XXXX and XXXX and not one of those cash deposits where credited to my account. I HAVE Provided PayPal the receipts, The written statements from the stores and The barcodes used for each. The 3 receipts I have provided were a total of {$4500.00} and My issue has Yet to still be resolved with my funds being credited to my account. I Contacted Other people besides PayPal and each of them told me to Contact PayPal for further assistance since Everything was confirmed on their side. I can not request a refund from the stores because The receipts and the stores states All sales are final no refunds I am tired of waiting with no resolution and Bills are Due and My money have not yet been credited. AND TO MAKE THINGS WORSE, the issue is on PayPal side because a agent told me I dont have a balance holding account but in order to generate a barcode and complete a cash deposit you would need a balance holding account. ALL I WANT IS TO RECEIVE MY {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX XXXX {$26000.00} 4.XXXX XXXX XXXX XXXX {$4900.00} These accounts where all open fraudulently
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed my that recovering lost funds was impossible and that tracking these transactions was unfeasibl. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX , has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX  has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2021 I'm in the middle of making a home purchased when I had my credit report pulled & noticed that there was a collection account from XXXX  XXXX under ( PORTFOLIO RECOVERY ASSOCIATES below details ) i called the collection company on file and was told I owe {$1000.00} ( usd ) & that if I don't pay they will proceed to sue me & ruined my credit I advised the rep that this is not me and there is an error after much back & forth i notice the call was going nowhere so I decided to reach XXXX  XXXX and advised them about the matter they proceed to take me trough the step to getting this corrected I have never had a passed XXXX  XXXX account only my current XXXX XXXX  card that is in excellent standing. i have never left a debit unpaid or missed a payment in non if my loans or credit cards. 

Also I have an open claim with XXXX  XXXX # XXXX CASE ) I have done the same with XXXX. 


PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Debt collection

This debt is over the statue of limitations for collection therefore you are already violating the law and second i was a victim of identity theft so there has been no proof of my actual wet signature to justify or prove that this debt is mine or enforceable.
Product: Mortgage

We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.
Product: Checking or savings account

On XX/XX/year> I was a victim of fraud. Scam artists posed as XXXX and gained access to my checking out and disputed all rent and auto loan payments, totaling {$5500.00}. My bank ( USAA ) did not deem the disputed as fraudulent, so now I am facing eviction and losing my vehicle because I can not afford to back pay what was taken from these merchants and myself. A police report was filed and provided to USAA, but my dispute was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I opened an account with XXXX, placed an order and paid for that order with an XXXX XXXX XXXX. The order was cancelled by XXXX and all monies were returned to the credit card issuer with the exception of {$52.00}. I was not aware of this as I never received a bill, as such a 30 day late was attached to my credit report.
Product: Debt collection

Notice : Cease and Desist Pursuant to 15 USC 1692 c ( c ) ATTN : To whom it may concern : I, XXXX XXXX XXXX Consumer and Natural Person, have been made aware that Affirm Inc has committed multiple violations of Federal Consumer Protection Laws. 


The Truth In Lending Act The Fair Debt Collections Practices Act The Fair Credit Reporting Act 1. I, XXXX XXXX XXXX, dispute any alleged debt from Affirm Inc and all Financial Services. 
2. I, XXXX XXXX XXXX, request validation of debt via audit trail pursuant to 5 USC 552 a ( d ), including all documents, but not limited to signed credit applications, assignments, purchases of debt, ledger of account and other documents relating to the consumer for review and validation.

3. Zero out balances and all funds paid by the consumer, XXXX XXXX XXXX to Affirm Inc and returned to the consumer, XXXX XXXX XXXX, including down payments and monthly payments. 
4. Remove all negative statements about the consumer, XXXX XXXX XXXX, via credit reports, including late payments and derogatory remarks. 
5. Pay damages pursuant to 15 USC 1611 criminal liability {$2500.00} per violation.

6. Return the title, with no lien, to the original creditor, XXXX XXXX XXXX. 
7. Cease communications and use of my intellectual property, unless pertaining to the validation of the alleged debt or remedy for violations committed against me. Any further communication with the consumer, XXXX XXXX XXXX, must be in writing, delivered via mail to the address on file. 



This is a Cease and Desist notice pursuant to the Fair Debt Collections Practices Act FDCPA. Failure to honor my demands and provide proper validation of the alleged debt within 10 days of this notice will ; A. Be taken as tacit agreement to the claims set forth B. Grant consumer all demands and remedies C. May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 825 F.3d 317, 325-26 ( 7th Cir. 2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; siding policies, 225 F. 3d at 404-05. 




Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that unrepairable and I returned the car. The company explained that I would not be accountable for the forfeiture of the car. However, I am being held accountable on my credit. XXXX and XXXX have removed the discrepancy however Transunion has not. They are not providing any evidence of the default or misinformation. I want it removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX  XXXX XX/XX/XXXX Account Name : XXXX  XXXX  XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE ARE INACCURATE ACCOUNTS THAT I HAVE NO IDEA OF SHOWING UP ON MY REPORT.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Rushmore management 's response to me is a non-response just like the previous ones. This case is NOT closed. Rushmore has one of the worst reports by consumers. There are 1700 complaints on this very site about Rushmore. Their concerns and complaints are very similar to mine.

Rushmore is not explaining how come they jacked up the monthly payments from XXXX to XXXX dollars. The escrow and insurance can not jump up by XXXX dollars. I have paid them in order to comply but from XX/XX/XXXX and now XX/XX/XXXX I have paid XXXX dollars that it is not even showing. When I called their number it says you owe XXXX dollars!!!!! That is a big LIE. 

I also paid more than 3300 do VA Dept of Taxation so in fact they are double charging me. I am asking for a supervisor or someone high up to CALLL me. 
When you call you usually get to talk to someone in the XXXX. I have also requested to know who their investor is. They have not provided that information. I am demanding what I have demanded before. Nothing is changed and their reply is a Non-reply. My house is mine and their way of charging a homeowner who is struggling to keep her only asset is deplorable and unconscious. I am demanding a reply. This company can not overcharge people and then expect no complaints.
Product: Debt collection

Requested the accounting information for the account Franklin Collection Service alleged I owed. Also requested the contract or agreement to validate the alleged debt. None of this information was provided. The company has not responded to my mail correspondence and sent out a Notice of Presentment of an Affidavit of Fact. Company has failed to respond or rebut the Affidavit.
Product: Mortgage

I made payment on account.. .in excess of what was owed for principal via electronic transfer.. .my payment amount of which they acknowledged receipt by sending an email to me... was {$19000.00}... 

Now they are saying because it more than paid the loan off give or take by {$60.00} that they are saying loan isn't paid off that they are going to send me the money back and that it can take up to 20 days .to get the monies back... and that I would have to send them a certified check to pay loan off verses wiring / electronic transfer of the money to them. They already have more than enough monies.. .my bank has verified that they have the monies, and for Specialized Loan Servicing to send monies back.. they would have to have the monies already.... the computer screen on their system shows I owe now {$19000.00}.... {$19000.00} more than covers this. 

this loan has an interest rate at 8.75 %.. .this kind of XXXX just allows them to get more monies from people.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ). 

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Please see attachment below! 

Experian emails my results are ready to be viewed, but when I try to access my updated report, it says not available online. This is very frustrating and a waste of my time. 
Experian is preventing me from accessing my credit report for over a month. Their reason for it is because the " creditors has different personal information, and until it is resolve I won't have access to my report. '' The creditors that I does business with has my correct personal information. Why is Experian gate keeping my credit report? It is the " consumer '' report, and not the creditors. I sent in Identity Theft Report, along with my photo ID, and proof of address. 

Tried calling multiple times, only to keep getting an automated answer. This is very unfair to me the consumer. Experian do not call and verify with the consumer prior to putting inaccurate information on their credit report. Yet, the consumers has to spend count less hours trying to remove the inaccuracies of their consumer report. The hinderance by Experian of me having access to my consumer report, is only prolonging the correction of my credit report. 

I will be initiating arbitration due to the fact that Experian in refusing to remove inaccurate information off my consumer report, by continually saying it has been verified and updated. Yet, the inaccuracies and fradulent accounts are left on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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

I checked my credit beginning of XXXX and noticed there was a fraudulent account from XXXX XXXX XXXX XXXX XXXX reporting on my credit. There is no reason this should be on my credit. It is removed off of XXXX and XXXX but for some reason it is still reporting on experian. I have provided all the information needed for them to remove this fraud account! I am submitting another FTC report and claim to EXPERIAN on XX/XX/XXXX. I am hoping the bureau will honor the dispute since it is the law.