23daVinci/CFPB_Complaints huggingface dataset:
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account 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: Debt collection

Received a phone call XXXX at XXXX at my place of work. They have been instructed not to call me at work. They told me they don't call any of my references or business
Product: Debt collection

Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for XX/XX/XXXX and XX/XX/XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
Product: Money transfer, virtual currency, or money service

I currently use the online portal/payment service AppFolio to make monthly maintenance payments for the condo I own and occupy. I have set the account up to automatically pay the full amount every month, on time, via XXXX from my bank. This has been a convenient way for me to pay since I purchased the property in XXXX. 
As of XX/XX/XXXX, Appfolio has decided to begin charging a {$2.00} fee for every monthly XXXX transaction. I believe this fee is ridiculous given it is an online, automatic payment direct from a bank. It seems like an arbitrary " processing fee '' designed to offset some real or fictional bank fees Appfolio is incurring and they are just passing it on to the consumer. 
I was unable to find a direct number to call Appfolio and their website directed me to my property management company. I reached out to the property management company via email on XX/XX/XXXX noting my displeasure and also brought the matter up directly at a board meeting on XX/XX/XXXX with a management representative present. I was given two other inconvenient payment options but was told that something would be done about the {$2.00} monthly XXXX transaction fee at some point. 
Today, XX/XX/XXXX, my XXXX monthly payment was deducted from my bank account and I was charged the {$2.00} transaction fee. 
Again, this fee seems highly predatory and I hope a qualified individual could look into it and properly assess the situation.
Product: Money transfer, virtual currency, or money service

I had made XXXX XXXX payments to a jewelry in the total of {$4000.00} for a custom made pendant which was initially supposed to take a week and is now going into over a month I havent been able to contact him for XXXX weeks now regarding update on my order since he has been unreachable a lot of stories of his fraudulent pass and current activities has been shared over social media by other victims of his scam he had even reached out threatening the victim to remove his identity from the social media post or no money or item would be returned to her which means he has been seeing all of his victims including me trying to contact him whiles he is quoted riding around drinking with our funds I had reported the matter to truist in which my claim was denied when I feel a chargeback should be made and my funds returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Several accounts and inquiries have been fraudulently added to my credit report. As these accounts and inquiries are not authorized by me, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that all associated accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

Made a payment to my credit card USAA credit card using my XXXX account and the payment went to an account and then in XXXX. My credit card account number ends in XXXX. The payment came out of my XXXX checking account on XX/XX/2021 for {$99.00} I have documents to show where the payment came from and where the payment went to. Payments me to my credit card does not have a transaction ID a {$99.00} payment {$100.00} payment.Payment posted four times twice with the transaction number and twice without transaction ID number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both Transunion and XXXX There are three new credit inquiries on my credit rating accounts with Transunion and XXXX- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX XXXXXXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 Complete Dept. Stores XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX account on my report ), has violated my rights. 

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
Product: Credit card or prepaid card

Once again, American Express advertises {$200.00} off a XXXX XXXX when using your American Express XXXX XXXX and staying at one of their Hotel Collections ( for a minum of 2 nights ). Please see attached. 

I did just that. Using my American Express XXXX XXXX ending in XXXX. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states " XXXX XXXX XXXX ''. Nowhere in the ad does it state it must be one or the other.

But in the deceptive and corrupt ( systematic ) way, American Express is now telling me they will not grant the {$200.00} discount. 

What is going with all the deception?? Why is American Express constantly deceiving consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is illegally reporting XXXX  months of late payment history on my credit report for a XXXX  XXXX account. Late payments are illegal to report on my credit report according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions as transactions or experiences between myself and the person or credit reporting agency making the report should be excluded from my credit report. I filed a dispute online on XX/XX/XXXX requesting them to remove the illegal late payment history information or the account altogether in my dispute and in less than 5 days they stated they completed my dispute investigation, however, the late payment history and the account still remain on my Transunion credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX, my wife and I had to file personal bankruptcy because of lost job and credit cards choking us. We kept the mortgage payments going ON TIME and paid the Bank of America mortgage off in XX/XX/XXXX with a refinance from Quicken Loans. 
XXXX report shows I " XXXX {$41000.00} mortage thru bankruptcy XXXX ''. 
WE DID NOT. 
Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn : XXXX - Disputes Dept XXXX XXXX I have been calling and writing BofA for months and XXXX as well to fix this, neither bother to check and correct so I get rejected from XXXX XXXX  personal loans due to Foreclosure in XXXX. WRONG!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Report Date XX/XX/XXXX Report Number XXXX Yesterday, XXXX XXXX said she will request that BofA delete that from the report but in might be until XX/XX/XXXX when it comes off my record naturally. 
The GOOD BofA part of XXXX Report that showed we PAID IN FULL was deleted XX/XX/XXXX. 

I believe that BOTH Bank of America AND XXXX should receive a VIOLATION of the FAIR CREDIT REPORTING ACT, a very stern letter, PLEASE. 

Thank You XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/ I noticed a hard inquiry on my credit report that I did not recognize nor did I give anyone permission to pull my credit report. I then called the company XXXX Greenberg , Grant & Richards ) and was told that XXXX XXXX the person I needed to speak with just went to a meeting and it would be XXXX hours before he could contact me. XXXX hour later XXXX called I then ask why his company Greenberg , Grant & Richards was pulling my credit report and he could not give me an reasonable explanation he kept saying his client sent my information to him. He kept saying it was a commercial matter I then ask why he was pulling my PERSONAL credit for a commercial matter. I do not own a business license. I ask him to send me documents with my signature in the mail and he said he could not do that. I want this hard inquiry removed off my credit report as this company Greenberg , Grant & Richards did not have my signature or my permission to pull my credit report! Also at no time during the conversation did XXXX request conformation of identity.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts suddenly appear on my credit report this morning, and I cant figure out why. I always check my credit report regularly, but this time, there were random discrepancies that completely caught me off guard. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The incorrect accounts were still there after refreshing. Now, Im really hoping the documents I submitted are reviewed carefully, so I dont have to keep stressing over this again.
Product: Checking or savings account

Bank refuses to close account. I have called, messaged, and have sent two separate notarized requests to the branch.
Product: Money transfer, virtual currency, or money service

No customer service live agents were available for for assistance with account issues and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Prepaid card

Bought a Amex gift card at my local market to use for online purchases. And I've been unable to make any purchases online. Called the toll-free # to inquire about my transactions being declined. They stated my card was on hold. Ask to speak to a supervisor, was advised to call back in XXXX hours because they were busy. Said they could send me another card, via snail mail. I said that would be unacceptable, due to the amount of time I would have to wait. Requested an egiftcard or the ability to return the giftcard to where it was purchased with the receipt. And they said I could try, but that it might not work.
Product: Mortgage

Late last year PNC took over my mortgage. I have sent my mortgage payments on time like I have for the past 40 years. PNC is extremely slow in processing my payments and now wants me to pay a late fee of {$66.00}. The company is incompetent in their ability to process loan payments in a timely fashion. When i have called the Bank reprehensive have mostly pleasant but refuse to take off the late payment a second time. I have spent several hours trying to get this issue resolved. PNC wanted to do direct withdraw from my bank account which i have agreed to. But I just sent me a notice my last payment was rejected because the late fee was not included but PNC has not returned my funds.. 
I am Sueing PNC in district court, I have all the documentation of when mortgage payments were sent and received.
Product: Debt collection

I was told once I paid my debit for {$52.00} to XXXX XXXX ( XXXX, NC ) it would be removed off of my credit. It has not my receipt was Print Date : [ X/X/17 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Payment Receipt Acct No : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your payment ( XXXX ) of : Post Date : X/X/2017 Location : XXXX XXXX XXXX XXXX Amount Paid : {$52.00} Current Balance : PENDING Discount : {$0.00} Payment Type : Credit Card Confirmation ID : XXXX Credit Card Type : XXXX XXXX Credit Card # : XXXX Approval Code : XXXX This is unacceptable and it 's hindering me from progressing in life
Product: Credit reporting, credit repair services, 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 Account numberXXXX Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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: Mortgage

In XX/XX/XXXX I acquired a mortgage of {$380000.00} with United Wholesale Mortgage ( see attached ). In XXXX of XXXX I paid down that mortgage and the outstanding balance was {$51000.00} ( see attached ). 

Unfortunately, I never really paid attention to my mortgage statement but in XXXX of XXXX I did look at it closely and that was when I saw the PMI fee. When i researched and found out its charged when lender assumes a risk. At this point, I start calling UWM to ask why this charge is still being charged since the loan is now only {$46000.00}. I kept getting transferred from dept to dept. That went on for days until I was told I needed to use the portal to communicate to correct dept. I received a letter back on XX/XX/XXXX that infuriated me ( see atttached ). They wanted me to pay {$750.00} for an appraisal of my home since they said it was not available to them. First, do they expect anyone to believe they gave gave me a loan of XXXX without an appraisal? Second, a quick search on zillow shows you the appraised amount. Third, do they really need an appraisal for a newly built duplex with loan amount that is now only XXXX
Product: Debt collection

Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services.

Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a  provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. 
Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.