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

In accordance with the Fair Credit Reporting act, Aqua Finance, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
Product: Mortgage

I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for XXXX. 13 with Transunion and 34 with XXXX. I have filed police report and put a fraud alert with all XXXX reporting agencies. XXXX is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.
Product: Payday loan

I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX is reporting a collection account as open. Per the FCRA this is a violation, and such account should be deleted. Validation of the collection account has not been provided by the debt collector, Equifax, or XXXX XXXX. In addition, removal of inaccurate/invalidated credit information is a violation of U.S. Code 168i ( 5 ). I did dispute this violation XXXX times in XXXX. Recently summited another dispute to Equifax on XX/XX/XXXX and Equifax lowered my credit score by XXXX points after submitting the dispute. No other factors could have contributed to a XXXX point decrease.
Product: Credit card

I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own.
Product: Mortgage

XX/XX/2021 I applied for a cashout mortgage to pay of credit card debt. My current mortgage has FHA mortgage insurance and my credit score is now high enough that I can remove that cost, and the savings would allow most of the then {$32000.00} credit card debt to be paid off. 

The timing was 3-4 months to close.

Expecting that timing, I paid half down for a fence ( {$8000.00} ) and was then told I needed an appraisal. I had one done not so long ago, however Key was insistent that this was needed for a cash out. I have found this to be true from other lenders. The appraisal came in {$270000.00} and the statement, " XXXX ; No updates in the prior 15 years ; The kitchen and bathroom are dated. Some of the interior decor and flooring are dated. The basement has some dampness which is often typical in these homes. There was no standing water or foundation damage. The estimated cost to waterproof the basement is {$10000.00}. The third floor is treated as a line item instead of being included in the overall GLA since its value contribution is far less per square foot than the first two floors. Also, public record often does not publish the finished area GLA. The wood shingle exterior is ready for paint. '' The interpretation of this was that I MUST waterproof, and the cost was {$11000.00} and could not be done until XXXX. So I had to use IRA money and credit cards to pay for the waterproofing and other maintenance. 

I also have come to understand that there is some leeway in the interpretation. Even after paying for half the water proofing Key was adamant about not closing until waterproofing was complete. Nor would they use the appraisal less the amount of waterproofing for a loan. 

I was not adequately informed about the consequences regarding an unfavorable inspection, I've had several appraisals for this house and also other property I've owned and have not had any adverse information. 

I was told to use my Key XXXX XXXX and Credit card, current credit card debt is {$59000.00}. I am now not getting any answer from the appraiser and after that was told it would be several more weeks for underwriting to approve. And using my past experience with this, I'm anxiously awaiting what other cash layout awaits me. 

I also believe some of the strict underwriting rules need to be reexamined to accommodate retirees with substantial XXXX, pension in lieu of working monthly income.
Product: Credit reporting, credit repair services, or other personal consumer reports

A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.... '' 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n.

You have a right to disputed anything on your credit report if you think it is wrong. You should always send your disputes to the agencies. If the errors is not fixed, you should consider taking legal actions.There are numerous incorrect and fraudulent inquiries on my credit report. I spoke with these companies numerous times, and they have failed to remove the following inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other financial service

I purchased several money orders from Money Gram for which a " service fee '' was charged once the money order had not been cashed within XXXX year ; however this fee was not diclosed upon purchase of the money order it was only diclosed once I requested a reissuance of the original money order. Had the additional fee been diclosed I would have elected to purchase the money order from a competitor, specifically XXXX, in which this fee could have been avoided.
Product: Credit card or prepaid card

I made my XXXX payment 1 day late, but intime to make my statement. when i got that bill it should {$0.00} balance and {$35.00} in interest. I sent them a letter to there i think you made a mistake address on the back of there bill with a check for {$35.00}. telling them they were crooks and to close my account. they sent me two letters in response neither of which addressed my complaint about them charging me the {$35.00} when the check to pay ifull actually post to the statement. 
1. said i mailed my payment to the wrong address.

2. said that i owed no more money on the account yet today i get a bill for {$2.00} minimum interest charge. I demand a full and complete investigation and that you order them to not only credit the {$2.00} they are billing me but to also send me a refund check for the {$34.00} in interest they charged me in error. I opened this account VIA the US mail per federal regulation the payment is supposed to be credit on the day the envelope was post marked and i mailed my payment before the due date and they are penalizing me for the US Post Office being slow.
Product: Vehicle loan or lease

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Debt collection

I received a loan and lost my job before the pay date the day my payment was due i let them know what was going on as far as missing the payment. I also told them the exact date i could pay and what times i work. They told me to borrow money from somebody and have been calling me repeatedly everyday at least 1 or twice a day. They have became rude and also are causing problems at my job. They said they wont stop calling until they are paid and i should pay my bills. I asked them to email me a copy of my contract and they said i cant. They said im violating my contract because they keep trying to charge my card everyday and i have it locked and they said that violates my contract. I really am being harassed and my job is being put at risk. I have tried to set payment arrangements and they keep harassing me.
Product: Bank account or service

On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.
Product: Student loan

I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 an unauthorized inquiry was made to my credit report from XXXX XXXX XXXX XXXX  that I didnt authorize. I called TransUnion to resolve this issue and they wouldnt help me get it resolved so now Im filing a complaint to remove this inquiry ASAP. 
Transunion XXXX XXXX  XXXX, XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Equifax credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this  investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it
Product: Debt collection

This is a second debt collections reported by IQ Data International, the apartment company was called XXXX XXXX in XXXX, Florida at the time of move in XX/XX/XXXX. That apartment has since been changed to XXXX XXXX  : which they did not let any residents know about this change before hand. I went to sleep at a friends house one night and came back to my apartment complex name being changed. When I moved in the elevator was broke, I was under the impression from the office manager that parts were ordered and going to be installed in the next couple weeks, I was concerned because my apartment I was renting was on the fourth floors. I never would've moved in knowing that the apartment had no plans on fixing this issue. This was directly affecting my health because of the first incident reported above with my injuries from the car accident, suffering bad neck and back pain. So constantly going up four floors daily was gaining on me. Six months past and I could not take it anymore, I let them know I was moving out. The elevator was not operational the ENTIRE time I lived there, not for one day, which is a direct violation in FL for not keeping the property up to date with maintenance, but I still paid rent every first of the month and not ever late with a payment. I'm no longer associated with either of these addresses whatsoever. After moving out I noticed that they reported it to collections on XX/XX/XXXX of XXXX with a balance of {$3700.00}. 

I would really appreciate if these could be removed as I'm hoping to buy a house in XXXX with my now fianc, but with these on my report I will be unable to do so. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I file a dispute letter with Experian, XXXX and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, Experian and XXXX didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to Experian and XXXX were 609 and 611 FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report recently and noticed that you did not remove it. Why is that? 

Td Auto Fina Inquiry from XX/XX/2018 It appears to me that you don't care about my rights and my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion 13 times between XXXX and XXXX to remove fraudulent information just to be continually redirected or told to call consumers for letters. Customer service reps just seem to spit off automated responses. I have sent 3 dispute letters over the same inquiries. This third one certified to ensure delivery. It's bad enough people have to deal with fraud but getting the help you need to remove it is latter 's, a million phone calls, more letters and jumping through hoops of fire!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency Transunion has denied to open my dispute even after receiving an official dispute letter ( certified ) from me as the individual. Citing, that I may potentially be using a third party. I called in to explain this to the rep with no prevail, and my dispute has still not been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXXXXXX