23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I applied to transfer to a sister property and was denied due to Cortlands new, stricter screening criteria. I was advised by XXXX XXXX ( XXXX XXXX XXXX ) to dispute or correct any negative items and reapply within 30 days to be reconsidered. 

Second Application XX/XX/year> I resolved all disputed items and reapplied within the XXXX timeframe as advised. However, instead of pulling a fresh credit report, XXXX reused the exact same credit report from my XX/XX/year> application, even though my TransUnion credit report had since changed. 

Inconsistencies & Unfair Practices Same Credit Report Used Twice Despite charging me again for screening, XXXX used the same outdated credit report from XX/XX/year> ( timestamped XXXXXXXX XXXX XXXX 
Contradictory Decisions Using the same credit report, XXXX initially denied me, but then later offered me an apartment if I could find a guarantor making XXXX the rent. If the same report was used, why was my initial application denied outright? 
Unfair & Deceptive Practices Charging an additional screening fee without pulling a new report is unethical and potentially illegal. This appears to be a pattern of unfair business practices and financial exploitation. 
Failure to Follow Stated Policies As an existing resident, transferring to a sister property should be a straightforward process, yet XXXX has made it unnecessarily difficult. 
XXXX Requested A full refund of my second screening fee and administrative fee, as no new report was pulled. 
Fair and accurate rescreening with a fresh credit report that reflects my updated financial status. 
A written response addressing these discrepancies and a resolution plan. 
If this issue is not resolved promptly, I am prepared to escalate this complaint further, including seeking legal counsel and contacting local housing authorities regarding unfair rental practices. 

I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to Transunion, XXXX and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Product: Credit reporting or other personal consumer reports

Contacted Movement Mortgage over a period of 3 weeks due to all credit bureaus reporting mortgage as late. Was denied a loan and all credit card accounts closed due to this. Movement Mortgage stated they would start an investigation because they are showing in their end they have not reported any lates. Was told investigation would be completed XX/XX/2023. Contacted Movement on XX/XX/2023 and was told it could take up to 30 days. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me. I have requested they contact all credit bureaus directly and fix this, but they are refusing to do so and continue to state they arent showing theyve reported any lates. Lates show on all credit reporting bureaus since XX/XX/2023.
Product: Credit reporting

Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. 
Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 usc 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am trying to buy a house and its defamation to your character and livelihood. This is not my account. Spring Oaks Capital LLC. {$1000.00} is under collections. I had deputed in XXXX.
Product: Credit card

The following information is in reference to a Wells Fargo Active Cash Visa Card which was applied for by myself ( XXXX XXXX ) on XX/XX/XXXX, application reference number : XXXX I will open my formal complaint explanation with the fact that I have been a Wells Fargo auto loan member since XXXX of XXXX. I have made payments on this account all on time or early for 48 months. I have even satisfied the balance of the loan with a one lump sum payment and therefore have parted ways with this banking establishment in excellent standing. 

To continue with, Wells Fargo evaluates me at a current credit score of XXXX. I have according to my XXXX  credit report, {$55000.00} worth of available credit including all of my credit card accounts. My balances are currently less than {$500.00} total on all accounts. 

That being said, Wells Fargo solicited to me via email an offer to apply for their credit card in which I did not need, but I was interested in the cash back and perks it offered. Lo and behold within minutes of applying I was denied. This was very insulting to me considering my ability to manage my accounts and how Ive spent 4 years with Wells Fargo in excellent standing. 

I unfortunately have to write this complaint because I was not evaluated fairly based on whatever system they claim they use and will not stop revisiting this until I am satisfied with a fair outcome. 

Thank you for your time, XXXX XXXX
Product: Credit card

My wife and I have Capital One Credit cards.in the past we attempted to set up payments. Everytime we tried when the time came they said there wasn't any record and our fees went up. 
Finally we managed to pay off both cards. A platinum card mine for XXXX and my wife 's card forXXXX. 
Both were paid on XX/XX/year>. Proof is included. Nowhere dies it day ; state or mention about any future fees. 
Today XX/XX/XXXX we both received emails staying we " owe '' on our card. Mine ( XXXX ) my wife XXXX ( XXXX ). 
Why? If both bills are paid how do you charge for something not being used. 
I called and man..the agent tried to justify by saying payment accrue and pay your balance and minimum next month cause I and my wife will get charged again. 
I said how can there be a fee charged on a balance of XXXX? I mean I said I walk into a clothing store look around but don't get charged for looking unless I actually purchase something. No answer. I said how can you apply any type of charge if the card isn't being used?!! It's been paid. You already applied late fees and charges hence the XXXX fees to an account with a XXXX limit. Same with my wife. XXXX limit XXXX in fees applied. 
Paid is paid. I just paid a loan you know what " no extra fees applied '' How can you charge without informing me first off then admitting everything is paid and good to go? 
It's not the first time they have charged illegally. I have included that as well. 
Very deceptive shady illegal business practices time and time again. 
I and my wife want this ridiculous illegally annoying nonsense removed. 
My credit bureau has even has removed this. 
To charge after we just paid XXXX to keep our account in good standing only to have Capital One attempt to recoup fees to be penalized for paying our account is insulting degrading and nothing more then trying to get money any way they can. 
Ots a cheap scam cause the agent was at a complete loss for words. He just read off a sheet and couldn't care less or admit I was in the right. I said how would you feel weeks later with explanation you get this ridiculous charge. Frim what?! THERE IS NO BALANCE ITS BEEN PAID..YOU CANT CHARGE IN A PAID BILL..but went on deaf ears. I guess that's how they became a billion company.

Please assist to get this mess cleaned up. Thank you.
Product: Debt collection

I've recently been getting calls without voicemail messages as well as a collection letter from Transworld Systems Inc ( TSI ) for a debt I supposedly owe to my former employer XXXX XXXX ( XXXX  ) from XXXX. 

When I first started receiving calls and collection letters in XXXX, at that time I opened a dispute with TSI with my former employer XXXX stating that I do not owe any money whatsoever to my former employer. 

I just learned from a TSI representative that my former employer XXXX " never responded to the dispute from XXXX '', but since my former employer XXXX sent TSI an updated bill, TSI has chosen to resume calling and sending a collection letter. 

It seems to me that if my former employer XXXX chooses not respond to a dispute from XXXX, then TSI should not resume calling and sending a collection letter until the original dispute has been resolved. 

I told a TSI team lead that I regard this sort of practice as " harassment '' and I was told by the team lead that this is TSI 's policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied 2 loans based on Experian 's credit report which is XXXX. The other 2 bureaus were XXXX and XXXX. I applied with XXXX XXXX XXXX for a refinance of my car which was denied based on Experian and was denied a small business loan from XXXX XXXX on XX/XX/2020 2020
Product: Credit card or prepaid card

On XX/XX/2022 I applied and was immediately approved for a Union Bank Visa credit card. They had a promotion offering {$0.00} fee balance transfers for the first 60 days. As soon as it was approved, I was asked if I'd like to request a balance transfer. I said yes and entered in the account number and balance amount for my XXXX XXXX. I was not asked for an address. I never received an email confirmation for the new card account or for the balance transfer. I was given no verification or documentation. My XXXX XXXX payment was due on XX/XX/XXXX. The balance transfer did not show up on my account, so I made the minimum payment believing the funds would soon be transfered. I received no communication from Union Bank until receiving the card on XX/XX/XXXX. The transfer amount was shown as a balance on the Union Bank Card, but was not applied to the XXXX XXXX. Then, on XX/XX/XXXX ( 13 says after requesting the balance transfer ), I received a letter saying Union Bank mailed a check to " XXXX XXXX '' ( name misspelled ) on XX/XX/XXXX. None of the card disclosures said balance transfers were done by physical check. I don't know of any large financial institutions that does not use electronic funds transfers. On XX/XX/XXXX, a full two weeks after being approved for the card and requesting the transfer, I received a check made out to " XXXX XXXX '' and addressed to my home address. Union Bank sent my balance transfer to my home, addressed to the wrong company. When I called customer service about this error, they tried to tell me it was my fault for putting in the wrong address. I was never asked for one and they could not demonstrate where or how I had submitted both the wrong name and address. They offered no possible solutions and I ended up closing the account in frustration. Now I'm going to be charged interest on the balance I could have paid completely on the due date and I have a card opened and closed two weeks later on my credit report. I now don't have the funds for a home improvement project I have planned ( the whole reason I applied for the 0 % interest card ) and wasted a significant amount of time with both XXXX XXXX customer service ( trying to find those supposedly transfered funds ) and Union Bank 's grossly incompetent and unhelpful customer support.
Product: Credit reporting or other personal consumer reports

Transunion and the other two credit bureaus show a Federal student loan on my report that has been transferred to XXXX from Dept of EDXXXX . However, the credit report still reports that the account is still under the Dept of Ed/ XXXX. The account has been transferred to XXXX since XX/XX/XXXX   and should be paid in full. Transunion states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the three bureaus, and after contacting XXXX , they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate these inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : 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
Product: Mortgage

my father died. We did not know there was a second mortgage on the house. We sent the Affidavit of Succession to the first mortgage servicer. No problem. They accepted our documentation and we are paying the mortgage. I sent {$2000.00} to Rushmore Loan. The debt was only {$350000.00} then {$4300.00}. They cashed the check but it was not credited to the account. The are charging interest and other charges to the account. for some unknown reason, they sent me a refund of the {$2000.00} for the payment I sent. I endorsed the check and then they stopped payment and the bank charged me {$25.00}. I do not know what is going on with this servicer. They are making it hard for me to pay this account. They are making it so that the loan of about {$3000.00} or less is ballooning to an unaccountable amount. They are violating a lot of laws
Product: Credit reporting

I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!
Product: Credit card

Credit Karma claimed that I would get approved of certain credit cards based on my score and payment history and that it wouldn't affect my score and that was false. In fact I incurred a hard inquiry on my report and my score went down
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unusual activity revolving around my credit file and as a living human being, I have rights under the. 
15 USC 1681, Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) This inquiry was placed yesterday when I have a credit lock on my credit and I didnt authorize this. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XX/XX/20XXXX XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX - XXXX XXXX- ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Birthdate : XXXX  FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 TWO COLLECTIONS WERE REPORTED FROM MIDLAND FUNDING ON MY CREDIT REPORT. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( MIDLAND FUNDING ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. Kashable loan Llc - In year XXXX, Kashable loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. Kashable have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.