23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on XXXX. I have contacted all XXXX credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report courts did not report
Product: Mortgage

Requested ( and paid for ) full appraisal of my home to calculate LTV ( {$450.00} ). UWM instead ordered Interior BPO ( Broker Price Opinion ), which is NOT a full appraisal and only costs {$190.00} per UWM. UWM pockets the difference? I am followed UWM instructions. 

A real estate agent came to my house ( walk-through ) ( XXXX XXXX XXXX ). I received notice from " home genius '' that my home is only valued at {$760000.00}, which is laughable. The comps are inappropriate. On one comp, they listed a smaller home ( sq. ft. ) with fewer bedrooms for more $ than they appraised my home for. This seems like a scam to keep my paying PMI. 

Finally, UWM is transferring the loan now ( in the middle of the PMI removal process ) eff. XX/XX/2024, so I have to start over with the new company to get this resolved.
Product: Mortgage

The Money Source has billed a charge of {$1400.00} " Corporate Advance '' to my Mortgage Account # XXXX. I have asked repeatedly for an explanation of what " Corporate Advance '' means and an itemization of the exact nature. They have never responded. I have had my attorney 's office XXXX XXXX, XXXX, KY ( XXXX ) XXXX write two letters on my behalf. They have not responded to their requests either. Since, they have failed to respond over 60 days I am requesting them to remove this charge.
Product: Mortgage

I am currently working on a Refinance started in XXXX. It is now XXXX and we have submitted and resubmitted several requests for a Subordination to Novad who is handlilng the servicing for the FHA 2nd. They have confirmed that they have escalated and on several occassions given us a timeline for response and then nothing. This is going on 3 months and is obstructing my ability to obtain financing and improve my financial situation. 

Title as well as the New Lender has reached out to XXXX and been directed that Novad is the one that will handle and they have confirmed that they received the latest XXXX package XX/XX/2021 and would be sending the Subordination Out that week in return. It has now been another 2 weeks and still nothing. Title calls and emails ever day and the same response, 'we 're working on it " I am a veteran and this is exteremly disappointing that a company can impede and obstruct my ability to refinance my mortgage in TX for this long. I am hoping that the CFPB can help find me resolution.
Product: Credit reporting or other personal consumer reports

filed complaint as well as fraud re [ ort yet with transunion one item is still showing after they have been warned that item isn't correct XXXX XXXX should not show on my report yet it does!
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been unresolved for several months now. 

I have filed multiple disputes with TransUnion and they have done nothing. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. When one of the cards reports to TranUnion, it replaces the other card. This process repeats itself as each card reports. 

Here are the more specific details. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. One is a secured card with a limit of {$1000.00}. The other is unsecured and has a limit of {$500.00}. 

The {$500.00} card reports on the XXXX of each month. It shows up on TransUnion 's report. A week later, my {$1000.00} cards reports. When it does, the {$500.00} card is removed from my report. My report stays this way until three weeks later when my {$500.00} card reports. When it does my {$1000.00} card gets removed from my report. This cycle continues month after month, so it seems that on TransUnion i have only one card and it keeps fluctuating from {$500.00} to {$1000.00}. 

As a result, my credit score rises when it supposedly sees an increase of {$500.00} in available credit, but then drops when it supposedly sees a {$500.00} decrease in available credit. 

Several investigations by TransUnion have done nothing to resolve this error. One of TransUnion 's customer service representatives has acknowledged this problem. I do not know why they won't resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Notice of dispute XX/XX/2022. ChexSystems claim to have verified the account. In XX/XX/2022 i sent ChexSystems an NOTARIZED AFFIDAVIT OF TRUTH & they responded back Verified and accurate, but however removed my unverified inquiries. This was proof that they could not verify the information. This has caused mental anguish, due to not being able to pay my bills & take care of personal thing. Pursuant to 1681 ( a ) ( 2 ) your company is a inadequate elaborate mechanism & this mishap has RUINED my reputation information indeed was verified. If it was verified what is their Method of Verification?? Also the only proper way to respond to an AFFIDAVIT is with another Affidavit. they did not respond properly. Below is all details attached. The banking system is dependent upon my consumer report being fair & accurate. These account are clearly affecting my life adversely. 3rd attempt to correct this issue is attached below also 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this company named   XXXX   XXXX    with Experian in the month of  XXXX .2017 by writing several letters to them about how   XXXX   has not responded to any letters that I wrote to them about disputing my account. On  XXXX   XXXX , 2017, Experian had mailed me an investigation letter about   XXXX   XXXX  . I had written them a letter to investigate this company in   XXXX   2017 and they had 30 days to do their investigation. I am just getting a letter (  XX/XX/2017  ) from Experian that they have finished their investigation into the company and they had verified information my account being legit. First of all, I had written Experian a detailed letter about what I was requesting from them during their investigation, I never received any information from them about them continuing the investigation or that it was taking longer than 30 days. I have also written to   XXXX   and   XXXX    about the investigating   XXXX   XXXX   and they had 30 days to investigate this company to send me any documentations proving that the account with  XXXX  was legit and if not then delete their entry from my credit report. They deleted  XXXX  from my credit report saying they could not contact the company for any information within 30 days. Their investigation ended with deleting the entry from my credit file. Now Experian took more than 30 days and they have broken The Fair Credit Reporting Act law and I want them to delete   XXXX   XXXX   from my credit report file. I disputed this account in  XXXX . 2017 and Experian had 30 days to do their investigation according to my letter to them and they did not meet the FCRA law. I have letters that I have written to Experian to prove that they have broken the FCRA law.
Product: Credit reporting or other personal consumer reports

I am adding documents or information that were missing or as directed by the support team : per case file number XXXX, originally submitted by me on XX/XX/year> and responded by Equifax on XX/XX/year>, with a request for a valid TRAFFICKING VICTIM DETERMINATION DOCUMENT/ENTITY, in order to promptly block the trafficking related adverse items originally listed in the original submission. 

ALL DOCUMENTATION ORIGINALLY SUBMITTED ALONG WITH THE UPDATED VICTIM DETERMINATION DOCUMENT WILL BE UPLOADED WITH THIS COMPLAINT AS SUPPORTING DOCUMENTS.
Product: Checking or savings account

On XX/XX/year>, I report that {$1000.00} was taken out of my out. Advise representative multiple times that the first ATM I went to did not allow me to withdraw {$1000.00} and stated that the machine had an error. After leaving that machine and going to the one down the street I attempted to re-pull the XXXX dollars. After I reviewed my account it showed that {$2000.00} was pulled out when I only received {$1000.00} cash. After I towed USAA they refuse to allow me to retrieve the XXXX dollars back that was missing. I even provided the local area over where the ATM was. They only sent me XXXX transaction from XXXX ATM and not both.
Product: Debt collection

Received a bill from XXXX but never had a phone there. Went to office, they said it was a fraud not to worry. Now is on my credit. Tried to dispute but they said it was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.
Product: Credit card or prepaid card

on XX/XX/2021 I requested to be part of the consumer assistance program offered by the Apple card which suspends interest payments while you are in the program. 

In writing XXXX XXXX informed me that I was not eligible for this program due to the fact that I was not currently being charged any interest. 

XXXX XXXX then charged me interest for the month of XXXX, after stating there would be no interest charges due. This was in writing. 

I contacted the a representative of the company by phone, on XX/XX/XXXX, who then reversed the majority of the charges after speaking to them on a recorded line. 

After reversing the charges, XXXX XXXX then put the interest back to on the card where even if I paid 100 % of my balance by the due date they would charge me {$33.00} in past interest from the month of XXXX. 

This is fraud. 

I have attempted multiple times to get this resolved with the company and they have refused. I am being fraudulently charged interest on a balance that stated there was no interest due.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00}.
Product: Student loan

{$6400.00} has vanished from the my records. They refuse to account for it .They owe me this money for an illegal tax offset and wage garnishment. Now, its disappeared.. vanished..not on my records anywhere.. no answers from them as to where the money is. Dept of Ed refunded the {$470.00} dollars that they received out of the nearly {$7000.00} that was taken.. but Navient has not accounting for the {$6400.00} that they received. They have embezzled it.. and are extorting money from me again with a phony default, fines and fees etc because I refused to pay them till me account is reconciled.. If I had done that, they would owe me another {$5000.00}. Im not paying the same loan twice..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I have been violated by AVANT. I have in good faith made several attempts to contact XXXX XXXX, XXXX XXXX and a representative from Avant Compliance Department to remove inaccurate credit information from my consumer reports. On XX/XX/2022 I sent out my first notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were not sufficiently addressed. On XX/XX/2022 I sent my second notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were sufficiently addressed. On XX/XX/2022 I sent my notice to opt out of AVANT 's privacy policy via email and USPS certified mail # XXXX ( attached ). As of today XX/XX/2022 I have not received a sufficient response to my concerns nor have I received any confirmation that I have been opted out of AVANT 's privacy policy. My biggest concerns is that AVANT never gave me an opportunity to opt out of credit reporting since credit reporting is NOT MANDATORY and I have not yet been opted out of AVANT 's privacy policy after giving notice that I want to opt out. My other concern is that this " account '' is being reported as " charged off '' so why has AVANT not provided me with a XXXX? AVANT has no proof of authority, permissible purpose, or my consent to report this account to my consumer reports ( Exhibit Z attached ).
Product: Credit card or prepaid card

I called into the service department months ago and I was asked about some charges that appeared on my student discover card. Those charges were not mine and they were disputed and taken care of. I then realized that fraudulent charges were on my card ranging back to XXXX of 2022. I submitted another dispute for each charge and they came back and declined those disputes. They basically said that I was making charges or still using my card in between the disputed charges. I already told Discover card that my credit card was never stolen, but someone had to have access to my credit card information. So I can see how this could easily happen. With that being the case I never noticed charges that showed up on my account that weren't mine. I'm a college student. This is my first credit card and I was unaware of how to check my account and was not checking it regularly. They also implied that I waited too long to dispute these charges. 

There are about {$800.00} in unauthorized charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX XXXX  Account Number # #, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.
Product: Mortgage

I have made an anticipated payment for XX/XX/XXXX to Select Portfolio Servicing , Inc. on XX/XX/XXXX for {$1200.00} because I'm travelling internationally and won't be able to process payment ; I indicated XXXX payment in the memo, however, the servicer has taken the payment and applied to my principal, thus creating a hardship for me because I wont be able to make the XXXX payment from oversea. 
I have requested the payment to be adjusted several time, without avail. Why are servicing applying payment to principle without my authorization? 
Loan No XXXX Select Portfolio Servicing , Inc This issue has created a great deal of street for me during my travel.
Product: Credit card

XXXX store credit, underwritten by Comenity XXXX XXXX is accessing an APR of 35.99 %. The charge is submit to a 6-month promotional. During account opening and in-store promotion, the account did not disclosure a PROMOTIONAL PLAN FEE ( PPF ). Upon receipt of my first billing statement, a PPF of {$9.00} was added to the chargeable balance of {$480.00}. This PPF is a classic XXXX XXXX XXXX. I challenged the PPF via call on XXXX XX/XX/XXXX, and the Rep declined to dismiss/waive the PPF. In addition to this complaint, I will pay the entire balance in full and close the account. Resolution : Return of PPF via refund check ( delivery via USPS to address on account ).
Product: Debt collection

I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my EXPERIAN consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$210000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit card

I PURCHASED A TICKET FROM BRITISH AIRWAYS WEBSITE FOR {$1400.00} AND PAID FOR IT WITH MY CHASE-BA VISA CREDIT CARD ON XXXX XXXX, XXXX  ; TRAVEL WITHIN NEXT 12 MONTHS AND NO LIMIT ALLOWABLE DATE CHANGES WITH {$0.00} FEES. I MADE CHANGES IN DATES AS MY SCHEDULE CHANGED. DURING ONE OF THE DATE CHANGES WITH BRITISH AIRWAYS XXXX XXXX, THEY CHARGED ME {$440.00} ON MY CHASE MASTER CARD FOR NO APPARENT REASON ; I DISPUTED THIS CHARGE BY SUBMITTING EVIDENCE TO CHASE MASTER CARD, AND WON THE DISPUTE ; AND CHASE MASTER CARD CREDITED MY ACCOUNT FOR {$440.00}. THEN, AS A " PUNISHMENT '' FOR DISPUTING THE FALSE / FRADULENT CHARGE, BRITISH AIRWAYS CANCELLED MY WHOLE TICKET, AND REFUSED TO REFUND THE {$1400.00} I PAID FOR THE TICKET. I HAVE CALLED BRITISH AIRWAYS IN XXXX AND IN XXXX SEVERAL TIMES, AND THEY HAVE REFUSED TO REFUND MY MONEY. I HAVE TALKED TO CHASE VISA CUSTOMER SERVICE AND THEY ARE HAVING PROBLEMS WITH DISPUTING THIS CHARGE FROM XXXX  SINCE I SHUT DOWN THIS CREDIT CARD IN XXXX, XXXX. I HAVE ALL BRITISH AIRWAYS EMAILS WHICH PROVE MY CASE. THIS IN MY OPINION A STRAIGHT-OUT CONSUMER BULLYING AND FRAUD BY A MAJOR AIRLINE COMPANY. 
PLEASE NOTE THAT I ALWAYS, FOR YEARS, PAY MY CREDIT CARD BEFORE DUE DATE, AND AN ABSOLUTELY CLEAN FINANCIAL RECORD. 
XXXX XXXX  XXXX, TX