23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I was working with Rocket Mortgage to get a cash our refi to payoff some credit card debt. My credit score wasn't high enough even though I pay all my bills on time. They said that since some credit cards are at or near the limit my score was too low. They referred me to someone that was supposed to help me increase my score enough to continue with the refi. The said someone would call me to help. I received a call from XXXX XXXX. I thought he was with Rocket Mortgage, but he is with another company called XXXX XXXX XXXX. However his email is XXXX. He told me that if I applied for a loan with Rocket Loans and pay off two of my current loans, my score would increase enough to do the refi. The plan was then to payoff credit cards and the loan obtained by Rocket Mortgage. I was approved, obtained the loan, and paid the credit card and line of credit he suggested. However this did not increase my score at all. I was charged a fee of {$290.00} by Rocket Loans. I have a higher interest rate and higher payment than on the other two loans. So the only one that benefitted from the transaction was Rocket loans. The get the fee and the interest and I suspect XXXX XXXX will get some kind of incentive the referral for loan. This did not benefit me at all. In fact, I am in a worse financial position than I was before the transaction. I feel that Rocket Loans is pushing people to obtain loans from them just to generate revenue their company. It doesn't benefit the consumer at all. This should be further investigated to see how many they have promised an improved credit score when obtaining a loan from Rocket Loans and then this ends up not helping at all. It's just a revenue generating scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt 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 alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX
Product: Mortgage

We have applied repeatedly for a loan modification over the last two or three years. Until 1 1/2 years ago we had made our mortgage payments regularly, never had a late payment, and never missed a payment. We had an excellent credit score! I retired one year ago. We also were both terminated from jobs 3 1/2 years ago losing $ XXXXyr in income. Our income is now 1/2 of what it was previously. Nationstar Mortgage keeps offering us a modification which is MORE than the payment we were making when we had to stop payments. The " modified '' payment is 72 % of our income. They have made no reasonable effort to offer us a modification.
Product: Credit reporting or other personal consumer reports

This unfamiliar inquiry on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information that appears on my credit report provided by Experian. Upon reviewing my credit report, I have identified an account labeled XXXX XXXX XXXX XXXX that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$600.00} - Date Opened : XX/XX/year> - Status : Collection account The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA. 

I demand that the fraudulent account labeled XXXX XXXX XXXX XXXX be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm. 

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report.
Product: Credit card

I have an Apple credit card. I pay the balance off each month. I paid my XXXX statement balance in full on XX/XX/XXXX ; however it wasnt due until XX/XX/XXXX. I have not yet received a statement for my XXXX balance which will be due by XX/XX/XXXX. Since I pay my full balance off each month, I am not being charged interest and will not until after XX/XX/XXXX. 

Separately, I have purchased some products at the Apple XXXX which gives me 0 % interest for period of time. I have an XXXX XXXX XXXX with only XXXX payments left out of XXXX. I wish to pay it off so that I can use it to trade it in in a promotion with XXXX that is only running during XXXX XXXX I have a separate retail installment sales contacting Goldman Sachs for the payment of this phone. 


Goldman Sachs will not allow me to pay only the balance of my phone without paying the entire balance on my credit card which is a separate revolving account. The balance that is not yet due or charged interest for another 34 days. This is a XXXX violation in that it is unfair when these are XXXX separate agreements. 

I understand that they are trying to protect consumers that maXXXX be being charged interest on a balance to not pay off a balance that is not being charged interest but in this case they are costing me the ability to get a free XXXX XXXX pro from XXXX. This is not fair and this policy needs to be reviewed and changed for situations like mine where I do not have a balance being charged interest and I should have another 34 days to pay the outstanding balance on the credit card when it is not yet due and in fact a statement has not even been given with that balance. Additionally I should be able to pay off the separate balance of the XXXX without having to pay another account balance. 

Also, this is a monopoly issue because I would be allow to trade my phone into Apple but not to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX & Credco were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My state and all applicable federal regulations, laws, and established standards for ethical and lawful reporting of consumer credit profile history MANDATE that ANY AND ALL CLAIMS be compliant, physically verifiable, and validated as bona fide, accurate, adequately complete, timely, and assigned to a known ownership of responsibility. 

I am unaware of the CERTIFIED COMPLIANCE of your reporting or of the physically verified valid nature of ANY claim regarding an inquiry, delinquency, or any derogatory item. As such, IT IS YOUR BURDEN to demonstrate documented proof that all claims meet the necessary regulations, laws, and established standards, including but not limited to Metro 2 Data Field Formatted Compliant Reporting Standards. 

It is a FACT that ANY AND ALL injury-causing subterfuge is unlawful to preserve. Beyond that, it is equally clear that you are NOT AUTHORIZED to report ANY adverse remark that remains unproven upon a requested compliance check. 

As a result, it is a fact that you must annuleffective immediatelyany and all non-compliant assertions that lack irrefutable certification in testimony of exact and full truth, correctness, timeliness, completeness, ownership and responsibility, and established evidence of compliance. Compliance must meet every single requirement outlined by the applicable mandates, statutes, acts, obligations, and laws related to credit reporting, whether explicitly mentioned or not. 

Ignorance of your obligation to compliant reporting DOES NOT EXONERATE you from your responsibility to ensure 100 % accurate, unfeigned, and Metro 2-compliant data reporting. 

Federal laws allow me to compel you to uphold or restore adequate accountability. Failure or unwillingness to do so may result in monetary compensation in my favor due to your infringements on my civil and consumer rights, as well as your violations of the laws required of you.

At this time, I demand that you demonstrate full compliance with all applicable Metro 2 reporting mandates, including every date and balance, each calculation and audit, all invoices and prevalent identities, every notation including the XXXX ( XXXX ) portioned personal identifiers, XXXX XXXX statements, all alpha, numeric, and/or alphanumeric source codes, applicable creditor classification codes, and the XXXX ( XXXX ) precisely sequenced XXXX pieces of confirmation to collections or any other obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I would like to Exercise my right using the fair credit reporting act 609 section act its states if a consumer may request its full credit reports including all information that is in the reports including investigation from prior investigation send me everything that is in my credit file Im concerned that you believe some credit repair company is sending information to you please send me everything in my credit file Company 's Response Thank you for submitting a complaint through the CFPB Complaint Portal. The format, verbiage, and associated document ( s ) in this complaint are similar to other complaints received from credit repair companies. Because this complaint does not appear to be a direct communication by a consumer, Equifax will not initiate an investigation into the disputed item ( s ) at this time. Please be advised that you do not need a credit repair organization to help you with your Equifax credit report. You may contact Equifax at XXXX or visit https : //www.myequifax.com to create an account, manage your Equifax credit file, and initiate a dispute. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner.
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX Comenitybank/Victoria XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

An unauthorized purchase was made using my Pentagon Federal Credit ( PenFed ) Visa credit card with a post date of XX/XX/XXXX for {$820.00}. The merchant was XXXX XXXX in XXXX XXXX, CA. 

I reported the unauthorized transaction to PenFed on the same day. 

PenFed issued a security adjustment for the same amount two days later ( XX/XX/XXXX ) while they investigated. 

On XX/XX/XXXX, I noticed a reversal on my credit card statement. PenFed determined that I was responsible for this transaction. My wife and I have nothing to do with this transaction and have no idea who could have done it, so we have no responsibility. 

I made multiple calls to PenFed to no avail. My wife and I still had the physical cards in our possession. The transaction, I was told, was an in-person transaction. My wife and I live in XXXX XXXX and have not set foot in XXXX for 3 years. 

Please advise.
Product: Credit reporting or other personal consumer reports

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed Discover has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form 1099C must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been Discharged by DISCOVERBANK__ and I need to file the 1099c form with the IRS as income. An account can not be a charge-off and a collection at the same time. DISCOVERBANK has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . DISCOVERBANK as a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen XXXX XXXX XXXX XXXX. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached )
Product: Checking or savings account

I setup automatic payments for my son 's preschool with Ally bank. Ally, through a third party company, would mail a check directly to the preschool and debit my account. In late XXXX, the check for XXXX 's tuition was stolen and cashed by an unknown person. I have tried to get reimbursed for these funds as I had to write a second check to the preschool for tuition. For six months, Ally has given me the runaround and provided no solutions, and has yet to reimburse the {$180.00} ( although they said they would ). Ally has also been unable or unwilling to provide me with an image of the check that was cashed, despite numerous requests. I have contacted customer service, Ally 's fraud department and even reached out to a senior executive ( who was initially helpful, but still no progress ). Any help would be greatly appreciated.
Product: Prepaid card

Bank Of American  account ending in XXXX reference id : XXXX request IRP # : XXXX XXXX On XX/XX/2023, I received a {$70.00} compensation cheque because I could not access the cash that I should have, causing financial loss. They refuse to provide me with the additional pay I have sought. There might be something they're concealing, I think more research should be done. 

my contact number is XXXX
Product: Credit reporting or other personal consumer reports

This company is publishing, selling and or providing an alleged public record to XXXX credit agency without my written instructions. 

15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes Pursuant To 15 USC 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX
Product: Debt collection

A woman named XXXX is calling all of my family members saying that I owe a debt. I do not have any outstanding debts. When I called back the message says they are from FMR. The number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries : XXXX XXXX date opened XX/XX/XXXX Accounts : XXXX XXXX  Date opened - XX/XX/XXXX Balance - {$200.00XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance - {$440.00} XXXX Date opened - XX/XX/XXXX Balance - {$1600.00} XXXX XXXXXXXX XXXX Date opened - XX/XX/XXXX Balance - {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - {$2500.00}
Product: Vehicle loan or lease

I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.