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

I applied to get approved for my first mortgage, and the lo an officer to ld me about a single collection account on my credit. Because my median score was a  XXXX , not  XXXX , I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems.     The collection is from the company  XXXX   XXXX . They put it on my credit in  XXXX     2011 in t he initial amount of {$420.00}. It supposedly originates from  XXXX   XXXX   XXXX , an apartment complex in which I once lived, due to cleaning expenses.     I remember this charge. When moving to a new apartment in  XXXX   2011, the ne w apartment complex (  XXXX   XXXX   )  noticed this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment.     I assumed it was water under the bridge until a few weeks ago. Last week, I contacted  XXXX   XXXX   XXXX , and they could find no record that I owed them any outstanding balance. I spoke to  XXXX , the office manager, who was helpful. I then contacted  XXXX   XXXX , and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all  XXXX  major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them. Transunion told me this was my fault for not checking my credit.     I contacted  XXXX   XXXX , who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on  X/X/2011    with check number  XXXX .     If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay.     The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence.     Please, I need help. I 'm ju st one pers on who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly.     If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
Product: Debt collection

XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AMEX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AMEX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AMEX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case. 
Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved.

CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my Credit profile I noticed two unauthorized inquiries date XX/XX/2022 XXXX XXXX XXXX  AND XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX my spouse was forced to resign from a job he has had for over XXXX yrs and we proactively reached out to XXXX for a solution to assist in catching up on the missed payment that we missed for XXXX or XXXX of that year. Over the years my husband and I have acquired at least 4 mortgages between the both of us and we had never missed a payment until this point. Prior to M & T obtaining the loan around XXXX or XXXX, we were in the process of a repayment plan with XXXX to catch up on a missed payment of the mortgage on our house. During this process we were verbally told by XXXX that our loan would remain in good standing as long as the catch-up payments that were kept current which they were. We missed 1 payment during the entire year of XXXX but it shows on our credit report as it was consistently late for more than 5 months. We contacted M & T and they assured us that everything was fine and we were in good standing. In late XXXX of XXXX, our home in XXXX XXXX suffered a tremendous loss due to extreme water damage from the pipes bursting and completely flooding all 3 levels of our home. Our home had over {$200000.00} dollars of repairs done that took several months longer than projected due to M & T withholding the funds and paying the contracting company in a timely manner which was agreed upon between the 2 companies. Needless to say the process was very stressful. We still continued to keep the mortgage payments in good standing. Since all of this has transpired, the mortgage loan was paid off early and in full in XXXX of XXXX due to the sale of the home this loan was associated with. With this repayment plan our initial payment was {$4400.00} and the following payments were in the amount of {$3300.00} for 6 months or more in order to get this the missed payment caught up and we were told that our credit report was going to show we were in good standing, but to our dismay we discovered just recently that this was not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

request deletion of XXXX XXXX XXXX account ending XXXX due to the fact that XXXX XXXX  request to delete this trade line
Product: Checking or savings account

I have an account with M & T Bank ; on XX/XX/2021, the Bank to Bank Transfer feature went offline while they " update '' the system. It has been offline for about a year now ; with no end date given or in sight. I have called their customer service and spoke with a representative who explained they don't know either, but to check their website and emails for the most up to date info. I visited their FAQ about it and it's nearly a year later and still no end date has been announced. <https : //www3.mtb.com/personal-banking/online-mobile-services/bank-to-bank-transfers-help>
Product: Credit reporting or other personal consumer reports

In a shelI, I applied for Credit Karma Guarantee 's loan offer and I was not approved. I tried to claim my {$50.00} twice and Credit Karma keeps saying I was approved by XXXXXXXX XXXX XXXX  when I wasn't. I received an Adverse Action letter that is currently on its way to my address and also I can see the denial message on my new created XXXX XXXX XXXX account. Credit Karma keeps sending the same message to both of my Interactions, and it states as follow : " XXXX XXXX XXXX, This is a follow up for the interaction through chat that we just had about the personal loan that was declined so you are checking for the {$50.00}. I want to let you know that I'm still here to continue assisting you. 

Weve confirmed with the lending partner XXXX XXXX that your application for the XXXX XXXX submitted on XXXX from this account on Credit Karma was approved on the same or better terms than you applied for. Therefore, you are not eligible for the {$50.00} Karma Guarantee.

If there is anything else we can do to assist you, please dont hesitate to reach us back. Remember we are here to help you out. 

Regards, Credit Karma Member Support " *** I believe the business is deceiving, conniving and it falsifies information. Attracting consumers to share their financials with 3rd parties when they won't be approved for card and/or loan offers. I strongly believe Credit karma acts in a fraudulent and unethical way.

If the opportunity is given, I will be attaching proof of denial and once I received the adverse action letter, I will retain it for my records and provide it as requested.

Also, on my first interaction I was given a completely erroneous date for my application on the response email, XX/XX/2024 when the application took place on XX/XX/2024, this is how I know I'm being lied to and whoever on the other side looking at this information is willingly denying my reward. I'll CC the State Attorney 's office, the FTC, the Consumer Protection Bureaus and the Controller of the Currency agency. 

Thank you in advance XXXX XXXX XXXX.
Product: Debt collection

I am writing Preferred Lease as I now have a better understanding of my rights and violations of FCRA and FCDPA. I had contacted preferred lease in XX/XX/2020 about declared disaster and loss of work. I was told I would have to speak with a manager. Missed the managers call and called back the number left on voicemail which didnt work. Im not sure if it was a personal number. Eventually I got a hold of the manager who was rude and threatened that Preferred Lease would ruin my credit. They also would not work with me as I had one last payment before dismissed from work. I sent in all the information to the email the manager provided with no response or correspondence. Even at this point I have not received any correspondence from Preferred Leasing. I did NOT receive any mail about the bill due either and that it would be hitting collections. I have received no contact from the company and have been ignored. 

Please delete the account from all three credit bureaus as this was during a declared disaster, the manager threatened that Preferred Lease would damage my credit ( listen to your recorded lines ), and I have not received verification of debt. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cannot get any assistance from Equifax..I tried to get a copy of my file they want send it, I have sent written request with copy of driver's license,called per phone, ordered on phone, 8 an totally ignored. In the mean time erroneous reports on my file ,people are checking my file without my permission and my credit has dropped so low I can not qualify for a home and I am XXXX. I worked as an XXXX XXXX  of a company before I retired because of a health scare, with  a XXXX XXXX dollar income yearly, so I know how to handle my income and budget but when someone refuses to assist you that unacceptable, also when I file a complaint they accept someone on the phone who says yeah it's owed with no proof of that debt.    I am requesting you assistance to make this company to assist me as they should be...like I said I can't buy a car, get housing and I am a XXXX   year old XXXX XXXX who doesn't deserve this after all the people I helped in my lifetime!!! Is there any decentcy left?Respectfully,XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom It XXXX Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : CEO connection XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing consumers to unfreeze credit online. 


Experian has a system were they are NOT allowing consumers to unfreeze credit online. They will only honor unfreezing online if you purchase one of their products.

A while back I froze my credit with all 3 bureaus. I have my valid pin with Experian, but they request that i mail in documentation since I am not subscribing to one of their products .... 

Please investigate Experian as they are clearly fleecing the general public ... ..
Product: Payday loan, title loan, or personal loan

I did a loan for {$2300.00} through One Main Financial in XXXX, Ca. In XXXX of 2022. When I requested a payoff amount for the loan on XX/XX/2022 the amount they told me was {$7700.00}. This amount appears to include principal and all the interest I would have paid over the life of the loan ( 5 years@ 35.99 % ). I don't know if this is the proper way to do a loan. This is not the first time they have done a loan like this to me. I did not think about it on the first loan as I took the entire time to pay it off. However, this time I am trying to pay it off much sooner and the balance seems too high. It seems like they put the entire loan amount ( P and I ) for the life of the loan in their system and then when they receive my payments they apply it to the balance.
Product: Credit card or prepaid card

I have my Capital 1 card set up for autopayment. In XXXX of XXXX it did not accept my payment due to the balance being below the minimum thresh hold, but I was not notified. I was contacted by the credit bureau in XXXX of XXXX about the missed payment and went directly to the company. I paid the {$5.00} payment and disputed the fees and charges since it is set up for autopay. The fees were waved but the late payment was not removed. I appealed to Capital 1 in writing, and they refused to remove the late payment report even though they still have me set up for autopay. 

I have disputed this with all the reporting agencies and Capital 1 is advising there will be no action on their end. I feel this is wrong as I was not late and autopayment is set up. Currently autopayment is still set up but now I have to manually make a payment since I do not carry a balance and it is just a monthly fee.