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

I was a resident at the XXXX XXXX apartments from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to XXXX maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to 3 months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).
Product: Vehicle loan or lease

This company is reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually that belongs to me XXXX XXXX BRIDGE CREST Credit company amount {$7200.00}
Product: Mortgage

My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In July 18, we borrowed 3500.00 from Rise Credit.  The company was suppose to contact me (XXXX XXXX) with details of loan. They have not obtain the signature and went ahead and deposited the money into my account. After paying between $400-$500 for 12 months. I tried contacting them (7-19) to see when loan was going to be paid off, and they said after paying almost $5000 nothing has been paid toward the balance  - due to it being a line of credit. We didnt ask for line of credit we asked for a small loan.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX. XXXX XXXX has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of XXXX and Equifax reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.
Product: Credit card or prepaid card

I applied for a Capitol One Secured Master Card on XX/XX/2021 and XX/XX/2021. I received a response back from Capitol one that my application ( s ) had been approved. The email stated that I needed to pay only XXXX by XX/XX/2021 in order to receive my credit card. So, on XX/XX/2021 I reapplied for a Capitol One Secured Master Card again to see if I still was approved, only to get a response back that I was now no longer approved. I then called the Capitol One Customer service line on XX/XX/2021 to find out why I was no longer approved they said, that I would receive a letter in about ten days explaining why I was no longer approved. What I don't understand is how can I go from being approved on XX/XX/2021 and XX/XX/2021 to not being approved on XX/XX/2021 from XX/XX/2021 to XX/XX/2021 is only nine business days and from XX/XX/2021 to XX/XX/2021 that's only one month and twenty six days later. There was only one change to my XXXX Report because I applied for a Capitol One Card so, my score went down 3 points which should not have affected my score because I had checked prior to make sure that I would be approved be for applying for a card. It was the same situation with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Product: Money transfer, virtual currency, or money service

This complaint involves PayPal. I received {$200.00} in my account over a week-and-a-half ago and they will not let me retrieve it through bank account or transfer. I have called dozens of times and messaged them through customer support only to get a merry-go-round of agents who tell me different things, including that I should take out one of their credit cards. And, this is during a national crisis when I need the money.
Product: Debt collection

identity was stolen and i have police report also car was broken into and my information was misused.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CAPIO PARTNERS LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 
Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

Ive been dealing with multiple inquiries from your company on my credit report that I did not authorize.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I went into my Bank to Deposit a Cashier check I received. An employee of my bank said I could not Deposit the Cashier check.

I received a Cashier Check from a class action law suit regarding a car I bought fifteen years ago. Fifteen years ago when I bought the car, I had to have my mother co-sign for me. When I received the Cashier Check dated XX/XX/2023, from a class action law suit, it has my name and my mothers name on it. My mother did sign the back of the check and so did I. The bank employee said my mother had to be present with her ID in order for me to deposit the cashier check. I told the bank employee that my mother is XXXX XXXX XXXX and lives in XXXX which is over an hour away. I asked if I could XXXX my mother and she could show her ID that way and bank employee said No. I XXXX my mother to tell her what the bank employee is telling me and my mother offered to go to a branch of my bank that is a lot closer to where my mother lives and the bank employee said No and then proceeded to tell me that she needed my mothers thumb print. 
The Bank employee did not help in any way to resolve this matter, the bank employee did not look up my account to see how long Ive been a customer, she would not talk with my mother, she brushed me off and would not help me in any way or my mother who lives over an hour from that bank whose XXXX XXXX XXXX. 
I have a cashiers check dated XX/XX/2023 for the amount {$360.00}, I want to Deposit into my checking account, Please.
Product: Credit card

I have called multiple times and requested that I be removed from my ex-wifes Fidelity Rewards Visa account and to stop emailing me statements and other account-related correspondence. Fidelity says I do not have authority to remove my email address from someone elses account. I have pointed out that because it is not my account, Fidelity should not be sending me any account-specific emails, in the first place. Fidelity refuses to do anything about it. I do not want to see my ex-wifes information and would like Fidelity to stop sending me any information for accounts that are not mine. I can not simply block Fidelity, however, because I also have my own accounts with Fidelity and I do need to receive emails regarding those accounts.
Product: Debt collection

Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have disputed with credit bureaus unverified bankruptcies on my report. Experian has informed me that they somehow verified the bankruptcy, First Experian said they used XXXX XXXX ( third party ) to verify. Then they said they contacted the furnisher, us bankruptcy court. then they emailed and said that they can make their own determinations at to records. 

Please see attached documentation : 1. Furnisher has mailed me a letter indicating that NO bankruptcy is in my name, 2. Third Party, XXXX XXXX, has confirmed that there is NO verified bankruptcy in their files.

3. Data breach letter attached.

4. FTC report attached.

5. XXXX after investigation has removed the unverified bankruptcy, Last attempt to have Experian remove these unverifiable public records from my report before commencing Legal action for violations of Privacy and FCRA violations.
Product: Credit reporting

Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!
Product: Vehicle loan or lease

In XX/XX/2020, I sold my lease vehicle ( From Toyota ) to XXXX. XXXX subsequently mailed a check to Toyota Financial Services ( XXXX XXXX, IA XXXX ) and Toyota received the check on XX/XX/XXXX ( per XXXX ). It has been more than two weeks since Toyota has received the check, which is greater than the payoff amount. Thus, once they process the check they are supposed to send me a refund. In the meantime, I have to pay the car 's monthly lease until they process the check. 

During the week of XX/XX/2020 I contacted Toyota for a status update and was told that the check will be processed by Wednesday XX/XX/XXXX. On Monday, XX/XX/XXXX I called for a status update and was now told that the check will be processed during the week of XX/XX/XXXX. During all my calls, I was told to not make the lease payment that is due on XX/XX/XXXX ( I have call transcripts as evidence of this ). 

Based on the constant delays, Toyota is trying to avoid processing the check for some unknown reason. I have been a Toyota Financial client for 4-5 years and it is ridiculous that Toyota Financial is lying to their long-term client about check processing dates. Theoretically, the week of XX/XX/XXXX can become the XXXX, then XXXX, and so on. 

I am asking Toyota to process the check with all deliberate speed and then issue my check of {$220.00}, since the check they received from XXXX is larger than the outstanding lease by {$220.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXXXXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported.

Investigation into Reporting Practices : Confirmation that Metro 2 standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law. 
The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I petition into CFPB to solve and to give for me to be fair before COURT I petition CFPB to give my complaint into FEDERAL COURT solve for me 1/ I paid into USPS by checking account and credit from the Bank OF AMERICA , but all my mail Certified Mail were theft to did not delivery serve service 2/ I contact into the Bank OF US for disputed all act theft from USPS and compensation for me But the Bank OF AMERICAN to did not Dear Sir/Madam People pay for USPS from the bank OF AMERICAN, and The Bank OF AMERICA to be my account, But I request disputed and compensation by act theft from USPS lead into my case at Supreme Court OF US denied , But The bank OF AMERICA did not solve disputed all for me include to did not solve compensation for me from USPS theft my mail certified before Supreme Court OF US and CONGRESS Follow law people to pay serve service for me direct from the Bank OF AMERICA, all company to should responsibility before the BANK OF AMERICA and the Bank OF AMERICA to should responsibility with me, because the bank OF AMERICA took my money from my checking account every money
Product: Credit reporting, credit repair services, or other personal consumer reports

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.