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

Disputed various peices of information on credit report. All information has been removed for other credit agencies except this one. I even sent in Police report documents to state that items needed to be removed due to fraud.
Product: Vehicle loan or lease

The loan company gave me the loan on a XXXX XXXX XXXX in XX/XX/XXXX for 66 months. According to the bank I had 12 extension which would put the last payment XX/XX/XXXX. I was receiving a monthly phone call and statement saying that I stilled owed XXXX as of this date. I continued send a payment for another nine months until XXXX of XXXX. I consider this loan paid in full plus extra payments. They confirmed that I have made 68 payment at XXXX. Which fulfills the loan requirements, plus two extra payments thank you
Product: Student loan

XXXX/ACS alleges that I was late 30/60/90/120/150 days in XX/XX/2015, XX/XX/2015, XX/XX/2015 for the account ending in XXXX. I was never late on any payments.
Product: Payday loan, title loan, or personal loan

I have a title loan with Title Max, actually its my third. My issue is that the terms of the loan have been changed. Initially it was my understanding that I had to be 3 months behind for them to repossess my car. Now they are saying I only have to be 1 day late on my payment. I make my payment each month. It may be late but it is paid each month. So how I am harassed and threatened with this almost daily is very upsetting to me.
Product: Student loan

I am having a difficult time getting my private loans from Activate Financial discharged. Also, the money that was paid on the account balance originally, must be reimbursed. However, the original creditor, ( XXXX XXXX, XXXX. ), is no longer the current creditor as it is now, Peaks Trust XXXX. I do not have any of my previous receipts to prove my claim, however, I am sure that I have paid close to {$2000.00} on my original account balance. Originally, my account balance exceeded {$8000.00} and now it is just above {$6000.00}.
Product: Mortgage

I requested a payoff of my mortgage. I was refinancing with a new company at a reasonable interest rate and receiving a cash back amount. 
Current - Rushmore Mortgage- My interest rate now is 9.93 % The payoff came on XX/XX/XXXX and it included XXXX as short interest. I inquired as to what this was. I was not given a report or letter on what this is. 
XX/XX/21 Requested in writing of a detailed report for this amount. 
XX/XX/21 Receipt of acknowledgement of my request and it would take 30 days to get a response from them. 
XX/XX/21 called and was told it would be sent out that day ( Friday ) or on Monday. 
XX/XX/21 Called and requested the information again. I was told it would be sent that day. 
XX/XX/21 ( dated letter ) Received a letter with the corporate fees listed. ( I did not request this ) XX/XX/21 Called to request the correct information and advised they sent information I did not request. 
I can not get my interest rate reduced from Rushmore. 
I have stopped my refinance because that amount is greatly increasing a new loan. 
The payoff is XXXX as compared to XXXX with short interest
Product: Credit card

I pay off my credit card debt in full once each transaction is processed ( I use the card for points ). I had bought a {$240.00} XXXX gift card online. The transaction as approved a couple of days later and I subsequently paid off the card. The vendor never sent the proper gift card and it was very difficult to get a hold of them. I opened a transaction dispute through the Apple  Card for that {$240.00} transaction and provided them with all the details, along with screen shots of the emails, etc. 

Once the transaction was opened, I was provided with a 'provisional credit ' of {$240.00}. This did not add any credit my account at all. When I asked XXXX through their XXXX chat message, they said that the temporary credit will not increase the available credit and that it is in place so that I am not responsible for the charge during the dispute. I asked them " So I am still out of pocket the {$240.00}? '' And they said " The {$240.00} is not available as credit, that is correct. '' That is frustrating, but I accepted it. 

About 5 days after the dispute was opened, the vendor provided a refund to my account in the amount of {$240.00}. I contacted apple to let them know that they can cancel the dispute because I received the refund. When the refund came through, I had a balance of {$35.00} on my card. So the end balance on my card that day was + {$210.00}. I wake up the following day to see that my card balance was + {$140.00}. No additional transactions were on the card. I contacted Apple Card to see what happened, and they could not tell me. I provided screen shots of everything. I had to open a dispute for the missing {$61.00} on my account. They also told me to mail in a letter dispute. So XXXX has already taken {$61.00} from me then. 

Less than a week later, XXXX was able to close the dispute finally. Except when they close it, they add {$240.00} to my Apple  Card balance. They say that it is because they gave me a credit before and that my dispute has been resolved. As stated earlier, XXXX never provided me with a + {$240.00} credit. This was also recorded and confirmed by an XXXX employee in XXXX chat. I have plenty of screenshots to confirm the conversations of why with the XXXX employee. When I was speaking to XXXX, they kept repeating the same thing that it was for the 'credit ' they gave me, despite me showing them definitive proof, from their own employee, that it did not happen. I was finally able to speak with someone ( over chat again because no one would give me a phone number to call ) who submitted a dispute and made notes in my file. They told me it could be XXXX billing cycles and abruptly ended the chat. 

Now I am stuck with over {$300.00} of charges in my account that will accrue interest until XXXX makes a determination. I refuse to pay it off, because the last time I paid off a charge that I disputed, I ended up paying more. 

I loved Apple Card for the points, but I wish I had never opened a dispute. If I had never opened a dispute, AND the vendor never issued a refund, it still wouldn't cost me as much has it has from opening a dispute with Apple Card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  : A Inquiry For Company Experian Business Credit Was Reported On Profile Which Was A False And Fraudulent Charge Need Removal of Inquiry according To Law FCRA 604
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my child support account and asked for verification on the account including the late payments that aren't accurate almost 90 days ago as well as I filed a complaint with the CFPB # XXXX on XX/XX/20. It's now been over 90 days in total and I still have not received anything back from Equifax on how on how they verified the account. 

I have a letter from the child support courts that they do not furnish any information to credit bureaus or any 3rd parties which i will add to this complaint. I will attach a copy. 

It says on the EQUIFAX website that they verify this type of information with XXXX XXXX but I have a security freeze on my XXXX XXXX account because i'm worried about identity theft, so their is no way this account be verified, so the E-Oscar system is auto verifying this account which is infringing on my Fair credit reporting rights and this account needs to be deleted immediately. 

I also don't understand why XXXX  and XXXX  deleted this account months ago but EQUIFAX isn't doing their job correctly. I will attach proof that it's been deleted everywhere except EQUIFAX. 

I will attach all my evidence.
Product: Money transfer, virtual currency, or money service

I did an international wiring {$77000.00} with Chase local branch manager to wire to XXXX in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
XXXX requested my compliance information twice. After Chase sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from XXXX. 
HSBC hold my fund and don't respond to Chase inquiries. 

So, Chase recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXXXXXX  - XXXX XXXX  - XXXX
Product: Debt collection

I received a notice from Wakefield & Associates about debt in the amount of {$320.00}. Notice was dated XX/XX/2022. I was given the time to write to them by XX/XX/2022. 

I responded to the Company and indicated that I want to dispute because I I think this is not my debt. I mailed out my response on XX/XX/2022. 

I did not receive any written response from the Company. 

On XX/XX/2022, I was alerted by XXXX that my account was flagged by Wakefield & Associates. 

I believe I have the right to dispute and the Company should have provided me with written response or additional information about this debt before reporting it to a credit reporting agency.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX of all accounts below 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 XXXX  XXXX XX/XX/XXXX Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXX XXXX  XXXX XXXX {$2000.00} Balance Updated XX/XX/XXXX Recent Payment {$2000.00} Monthly Payment NA Original Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX XXXX XXXX {$11000.00}. Account Name XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter stating that GM Financial furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I also, sent a notice to cease and desist all communication conveying of information regarding a debt directly or indirectly to any person through any medium. 
Re : Notice to Cease and Desist Account Number : XXXX Dear GM FINANCIAL, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX   XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my Transunion, XXXX, and XXXX credit reports and none have been updated after being told they would in a short time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

We were denied a Modification Acceptance from Rushmore Loan Management even though the XXXX XXXX Guidelines say the Servicer must follow all waterfall actions in any XXXX auctions bought by investors. 

The Denial Letter should follow The guidelines for principal reduction are that your LTV has to be less than 115 %. 

Also There are no requirements for a deposit. And we are being denied in the letter for not offering a good faith deposit. 

Finally The Servicer Rushmore has violated RESPA by not providing us with the NPV inputs. 

This is a total & complete failure to comply with the XXXX XXXX bidder requirements and of the Servicer Rushmore Loan Management as well as all of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC account with XXXX XXXX and PNC is forbidding me from transmitting my funds to this financial service.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX would like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the XXXX XXXX XXXX by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXXXXXX XXXX XXXX for XXXX XXXX ( as XXXX  # XXXX ) and I was told by XXXX 's represent to call Goodleap LLC to find out the new inquiry and I had tried to contact Goodleap LLC ( as XXXX  # XXXX ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as XXXX  # XXXX ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX XXXX XXXX # XXXX ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as XXXX  # XXXX ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to Goodleap in the soonest time and XXXX assured that he would submit to his company ( as XXXX  # XXXX ... XXXX ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as XXXX  # XXXX ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as XXXX  # XXXX ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Product: Debt collection

I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

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  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have SPAM in my credit report, its like XXXX nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXXXXXX XXXX : # 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what the XXXX dollar that appears on my report is that appears XXXX2018 is and dob XX/XX/XXXX is incorrect. I never lived on XXXX XXXX