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

My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (  XXXX  ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in  one of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX   ) to purcha se my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from    XXXX   XXXX   XXXX   XXXX  . I call e d    XXXX   XXXX   XXXX   XXXX   and I asked to speak to the manager and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my credit score dropping so many points after  XXXX LM had used my credit without my consent and sent it to diferent lenders.          XXXX   XXXX  of   XXXX   are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I submitted a verification method to Equifax for a recent dispute of several items ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX XXXX, As of today XX/XX/XXXXXXXX  I have not received the method of verification. Reporting of inaccurate information is identity theft and Equifax has not performed due diligence of ensuring they are reporting accurate information onto my credit file.
Product: Debt collection

Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you to address a concerning issue regarding my credit report. I recently contacted TransUnion to discuss several fraudulent inquiries appearing on my credit report. I called Transunion on Friday XX/XX/XXXX and I was told that these inquiries could not be removed. The rep and a supervisor I was transferred to were no help at all. They asked if I wanted a fraud alert, which I do not at the moment, and continued to rattle off some script about inquiries being a statement of fact. No one can make a statement of fact on my credit report if I am denouncing it as being true. 

The fraudulent inquiries in question are XXXX XXXX, XXXX, and XXXX XXXX XXXX all dated for XX/XX/XXXX. I have thoroughly reviewed my credit history, and I can confirm that these inquiries were not initiated by me, nor do I have any association with the companies listed. 

I take the security of my personal information very seriously. Discovering unauthorized inquiries on my credit report has also impacted my credit score negatively. It is imperative that these fraudulent inquiries are promptly removed to prevent any further damage to my credit profile. I am planning on applying for a mortgage in the next couple of weeks as I am XXXX XXXX XXXX and want to be in the best position possibly credit wise. 

I kindly request that TransUnion thoroughly investigate these fraudulent inquiries and take immediate action to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( part of XXXX XXXX XXXX  ) assessed my tenant account charges XXXX : {$570.00}. A credit of {$300.00} was wiped out and left a total due XXXX : {$270.00}. 

They attempted to charge {$570.00} in cleaning-related fees that I never agreed to pay in advance of the charges being assessed for the following : - Carpet Scrub - Carpet Cleaning - XXXX XXXX - Stain Removal - Rent Responsible ( XX/XX/XXXX to XX/XX/XXXX ) The charges consist of rental fees in the last month due XXXX : {$250.00} for rent responsibility from XX/XX/XXXX to XX/XX/XXXX. I had already paid a final month 's rental payment XXXX : {$1500.00}, which includes XX/XX/XXXX days of rent XXXX : {$1300.00} ( XX/XX/XXXX days X XXXX rental charges ). {$160.00} of that was put towards sewer, water, and trash for the final month of occupancy. 

This would result in a corrected balance due of {$15.00} ( had they calculated the charges correctly ). 

Looking at the last lease agreement signed with XXXX XXXX, prior to myself becoming a month-to-month tenant, I am in no way responsible for paying for " normal wear-and-tear '' items upon move-out. I am only responsible for damage and repair costs, for which there are none. 

The corrected amount should result in a check due back to me XXXX : {$300.00} from XXXX XXXX, with the apartment being responsible for the renovation charges they incurred on their own apartment upon my move-out. 

XXXX XXXX did not agree to this when I made them aware of the error and instead of listening, they sold the invalid debt to a collection agency ( XXXX XXXX XXXX XXXX ), who again did not listen to my complaint in regards to the error. 

The debt collection agency filed a derogatory collection remark on my credit report to all three bureaus instead of listening. And now my credit history is impacted, causing me to be unable to obtain a mortgage out-of-state, refinance my car, or rent a XXXX apartment within the state. 

I filed a dispute within all three credit reporting bureaus along with a complaint against the debt collection agency ( Complaint ID : XXXX ) and my remarks were ignored by the credit reporting bureaus, the Consumer Financial Protection Bureau and also the debt collection agency. 

Please review the attached documents which show everything in writing : - Bank Statement showing final rent payment - Final statement of charges - The entire final lease agreement before becoming a month-to-month tenant - Snippet of section XXXX of the lease agreement showing charges upon move-out that are not valid
Product: Credit reporting or other personal consumer reports

Could you kindly verify the documents as per FCRA 605B? Several accounts on my credit report seem inaccurate, and their presence is unsettling.
Product: Bank account or service

I was charged over draft charges from the use of my debit card, as well as NSF charges in spite of the fact that I never " opted in '' nor authorized any overdrafts or charges on my account. indeed, I specifically opted out of this coverage and believe that PNC Bank is engaging in predatory practices in clearing checks and charges to their accounts.
Product: Vehicle loan or lease

I called them after I noticed that the remaining balance on my report never changed when they repossessed my car whatever they auction that car off for is suppose to be allocated towards the remaining balance not only did they not do that they can't even tell me what they did with the car or the fees that went along with the repo. I have contacted them several times regarding this issue and have voice recordings where they say they're gon na call back anywhere from 20 min to an hour and I never received a call back but the inaccurate report is causing me to not be able to use my credit to receive the business funding I need
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022. I had sent my complaint letter to Binance, in which I clearly stated how this scam has affected me XXXX XXXX XXXX XXXX. 

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX removal which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX  to Binance at the instructions of the scammers. 

In this case, it is perfectly obvious that Binance could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome.
Product: Bank account or service

In 2013 I was charged over {$30000.00} in overdraft fees. It started slowly but snowballed due to the fees drawing my balance down to where other checks and debits were also assessed fees. I was given phone # 's to call of people who no longer worked there. I was always given the hope the overdrafts would be reversed. I have later learned that if I had banked anywhere else I would no have incurred any of these fees. Due to the practice of posting debits in front of credits. In all of 2013 I never bounced a check. The money was there for both the checks and the fees. On XX/XX/2013 they closed my account at the same time charging more fees. Shortly after closing my account they accepted a {$6000.00} wire and held it for a week and accessing fees before they released it. 

I have tried hiring a lawyer but no-one will go up against Wells Fargo. I had given up hope before my nephew who is pre law gave me your web address. 

Please Help! I lost my business over this. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint against Citibank on XX/XX/XXXX regarding fraudulent charges. I was awarded a monetary relief by CFPB and received it initially but then was recharged for some of these purchases but not all despite them being found as fraud. I was recharged on XX/XX/XXXX to a total of {$4200.00} despite receiving a letter on XX/XX/XXXX stating that they had credited me permanently.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account without my permission in Illinois. I have never had an XXXX Illinois account. I live in Missouri and have had XXXX MO for over 12 years. This information is only reporting on my Experian report. Its fraudulent and I want it removed from my report. Its now with a collection agency and There is no contract which also does not give them the right to attempt to collect
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not have permission to request my credit report from Transunion, 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 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
Product: Payday loan, title loan, personal loan, or advance loan

It seems that my payment each month barely touches the principle. The intrest is almost at 100 %. I live in Washington State and the intrest cap is 36 %. I dont think this company is legal to do business in Washington State . The company needs to have a business license in Washington state or a bank that is legit to do buisness here. My payment is XXXX per month for 18 months for a XXXX loan. It could be XXXX loan. I went to check and the website is down at the moment.
Product: Mortgage

My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX  and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.
Product: Debt collection

I believe the account is invalid. ACCOUNT MANAGEMENT SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

ACCOUNT MANAGEMENT SERVICES XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to Equifax, XXXX, and XXXX however the information still remains that I have balances on the paid off accounts. 

Equifax ( these accts are all paid off ) : XXXX XXXX ( # XXXX & XXXX ), XXXX XXXX XXXX XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland XXXX. This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX XXXX XXXX ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.
Product: Mortgage

I contacted the CitiMortgage ( CitiBank ) in XX/XX/XXXX and was given the payoff amount to pay my loan in full ... see attached ... {$5800.00}. I was told to pay it by XX/XX/XXXX. I paid it on XX/XX/XXXX through my bank debit and that evidence is also attached. I received a statement dated XX/XX/XXXX and then one XX/XX/XXXX indicating I owed additional money - both contradicted each other and indicating I didn't pay until XX/XX/XXXX. I have evidence I paid in XX/XX/XXXX so called and asked what happened. I spoke to one person early XX/XX/XXXX who stated they showed I hadn't paid until XX/XX/XXXX and I would have to prove otherwise. They made it obvious Citi had failed to process timely. I received my impound funds late XX/XX/XXXX in the amount of {$1500.00} and they withheld {$430.00} as an escrow adjustment because they said I paid in XX/XX/XXXX. I called and talked to XXXX on XX/XX/XXXX and she agreed I paid on XX/XX/XXXX ... Citi 's  mistake ... and I would get my refund by XX/XX/XXXX. Nope. I called again and they hung up on me. I filed a complaint with occ.treas.gov Case # XXXX on XX/XX/XXXX and just found out today they referred the case to your organization on the same date. I talked to XXXX today ( XXXX was no help as she promised send an email but did not ) and she indicated there was no case and I would have to refile. In addition, Citi promised they would send a conveyance document to the County of XXXX so I could get my deed. I paid for this service. As of today 's date, this has not been done. I wonder how many other people have been ripped off by Citi? I volunteer my services to audit this organization 's books. I have the credentials.
Product: Credit card or prepaid card

I made a {$200.00} dollar payment in XX/XX/XXXX. I forgot my payment in XX/XX/XXXX but have never been late on a payment to XXXX XXXX in the three years Ive had a credit card with them. I made my payment in XX/XX/XXXX on the XXXX. On XX/XX/XXXX XXXX XXXX field my account as delinquent which have decreased my credit score by 45pts over {$38.00} they claim to be past due. This is ridiculous and has hurt my credit standing with my other providers ; thus, potentially putting me into economical hardships while I plan my wedding. On XX/XX/XXXX I paid off the XXXX card {$250.00} dollars I would like my account rectified. This is awful credit investigation on XXXX XXXX.
Product: Student loan

I graduated college in XX/XX/XXXX with about $ XXXX in public and private student loan debet and thanks to the recession could n't find a job in my field till XX/XX/XXXX. All the while falling deeper into credit card debt to afford my loan payments. I was paying around XXXX % of my income to service debt. Every time I thought about my finances or future I would get depressed. That resulted in poor performance at work and eventual termination. I cashed out my retirement to make payments and do n't see the point in even trying to get a job because there is no way I will ever get out of debt. I 'm probably a month away from suicide.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by Equifax. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 

The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and stress. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by Equifax into the disputed accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.
Product: Mortgage

I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and  secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.