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

Recently, I discovered inaccuracies on my credit report attributed to the Equifax. These inaccuracies, presumably clerical errors or misunderstandings, have adversely impacted my creditworthiness and financial standing. Despite diligent efforts to rectify the situation, resolving these discrepancies has proven challenging and time-consuming. As a law-abiding citizen, I believe in the importance of accurate reporting and fair treatment. Therefore, I am committed to working closely with credit bureaus and relevant authorities to correct this misinformation promptly. I remain hopeful for a swift resolution and trust that proper measures will be taken to prevent such errors in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX   AND TRANSUNION BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX  AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

hopefully this is the right spot. 

HIRE RIGHT HIRERIGHT LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OK XXXX PHONE : XXXX FAX : XXXX back round check, drug screening, physical, and MVR requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PHONE : XXXX JOB APPLIED FOR AND LOCATION : XXXX ILLINOIS XXXX ( XXXX ) STORE # XXXX i live XXXX iowa NAME : XXXX XXXX ADDRESS XXXX XXXX XXXX  XXXX IOWA XXXX MY NUMBER : XXXX on XX/XX/2022 hireright was doing a back round check and did not complete it until XX/XX/XXXX XXXX from my knowledge they were not suppose to go back past 7 year back round check. when I received the paper work they went back 12 years and found out old charges. i also have paper work saying there was other tests done like a XXXX XXXXl, and drug screening. they called me and informed me i have passed all the tests. but then get called again saying I don't meet the regulations of the company so this tells me they didn't hire me because of my background that happened 12 years ago. upon talking to a lawyer that's is considered illegal to search back that far and considered discrimination also illegal. I am trying to fined a way to sue them and press charges on this company. I currently don't have a lawyer and I am looking for one asap. i do have the paper work with me at the current moment to show proof that they discriminated against me. but yet passed everything else except for the back ground test. please help me prevent this from happening to other people like me. 

to my understanding if the company was going to pay me {$75000.00} or more a year then they can search further but they werent going to go anywhere near that high. so please help thanks you God Bless DOCUMENT BELOW SHOWS EVERYTHING PASSED CEPT LAST ONE I DO NOT WISH TO SHOW ON PUBLIC DATA BASE HERE. THATS MY BACKROUND CHECK FROM 12 YEARS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
XXXX doesn't know So Who knows?
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. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 Transunion more than 88 times in the last 120 days. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Credit reporting

I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.
Product: Money transfer, virtual currency, or money service

I was charged the amount of {$1.00} XXXX, and this kind of scam happened first time in my life, I am with Capital XXXX for so many years but when I contacted them and XXXX they didn't even want to try to help me, they were rude and denied my case many times, I can not accept that someone just can steal my money this way and I believe there is the way to make them responsible. Thank you for doing it, I really appreciate your help. 
The transaction was posted on Friday, XX/XX/2023. 
Name on this transaction : XXXX XXXX
Product: Checking or savings account

Ive had a CASHAPP account since XXXX to send money to my daughters that are in college money quickly. CASHAPP states that I gamble and if you look at every transaction Ive ever made it has been to my daughters or other family memeber. I would like to have my account reinstated and all of my transaction to be in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse Action was taken against the consumer. 

I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a Auto laon for extension of credit.. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.
Product: Student loan

I have been pursuing Public Service Loan Forgiveness ( PSLF ) since XXXX. My loans were being handled by XXXX until they were transferred to MOHELA last fall. I had one employer certification form ( ECF ) in process at the time of the transfer. It had been submitted in XX/XX/XXXX. When my loans transferred to MOHELA, my payment counts had still not been updated, so I re-submitted my ECF, concerned that it may have been lost during the transfer. 

On XX/XX/XXXX, my ECF was approved and payment counts were updated from XXXX to XXXX, as expected. But in a letter dated XX/XX/XXXX, MOHELA apparently processed the re-submitted form and ( incorrectly ) declared that my employer was an ineligible for-profit institution. My count went down from XXXX to XXXX. 

The employer on my form was in fact a qualifying 501 ( 3 ) ( c ) nonprofit organization that is listed as an eligible employer on the U.S. Department of Education XXXXs Federal Student Aid Public Service Loan Forgiveness Employer Search tool at XXXX : XXXX. I emailed MOHELA explaining the situation, asking for clarification, and informed MOHELA I was ( re ) resubmitting my form. I received a useless email referring me to the employer search tool. 

I waited awhile longer for my resubmitted form to be processed. Eventually I saw that it was labeled a " duplicate form. '' I did not know what that meant and again reached out to MOHELA on XX/XX/XXXX -- they gave some canned response about unprecedented time delays. I reached out again on XX/XX/XXXX asking for specifics related to the meaning of a " duplicate form '' and whether my form had been processed and whether my employer was approved. I got an email response from MOHELA that my form had been processed. They again referred me to the employer search tool, which, mind you, I had already checked -- my employer was listed as eligible. 

I called MOHELA on XX/XX/XXXX, and was told my employer was not eligible. I explained that my employer was listed on the search tool as eligible and that there was an error in the processing of my form. The MOHELA worker resubmitted my form and said she made a note that my employer was eligible according to the employer search tool. 

Since that phone call, nearly six months have passed and well over 90 business days. I have reached out to MOHELA three times and got generic " trust us, we're counting '' responses. To date, my payment counts have not updated and I have not received a letter informing me of the results of my submission. It has been more than a year since I first submitted this form and I am beyond frustrated with MOHELA. I have no trust for an organization who has mishandled my case so badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 I intend to pursue litigation in accordance with the FCRA to seek relief  and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Product: Checking or savings account

Wells Fargo continues to re-enroll me in overdraft programs despite numerous attempts via phone and via their old online communication system to prevent any future enrollments and yet every few months they let debit charges be charged onto my account despite not having sufficient funds then immediately charging me another {$35.00}. And they then inform me there's multiple tiers of overdraft protection and I need to unenroll in a different program. 

I continue to try to get them to stop incurring NSF on debit charges but they refuse to fix the problem and I continue to lose money to these fees on features I've declined and have specifically request be removed from my account.
Product: Credit card or prepaid card

I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.
Product: Mortgage

Trying to refinance our mortgage to a fixed rate. Spoke with Quicken Loans representative and discussed we have excellent credit, new home (  3  yrs old ). Rep said they need {$500.00} down to start process and all closing costs fees could be rolled into the loan. Told him looking for fixed rate, no PMI insurance, closing costs rolled into the loan and felt our home could be appraised at {$250000.00}, like it was initially when we built it including  33  acres of land. Provided all of our financial information,  (  pensions, savings, and additional property to our home ). Representative confirmed we had excellent credit. Received a  Loan Estimate  on  XXXX  with closing costs for {$7700.00} and {$1000.00} CASH due at time of closing. Mind you, I was told I only needed to pay {$500.00} to start the process, the rest could be calculated into the loan.  Appraiser  then came to our home. On   XXXX   appraisal was done for {$210000.00} and homes in comparison were over  11  miles away and ranged from  7-28  yrs old and not good comparisons which now increased our closing costs to {$11000.00} with {$3200.00} CASH due at time of closing. When I called and questioned the appraisal I was told they can not dispute the appraisal. I told them I no longer wanted to pursue this loan. I called and spoke with the  Executive Office  that handles these matters and was told we could supply the appraiser with sales of our choosing. I just paid for the appraisal, why do I have to supply the information?  Quicken Loan  's process is a GREAT way to check individuals credit, their assets and increase loans and payments to obtain more money. The appraisal should have been a better comparison within a closer radius and similar aspects of our home. When we built our home three years ago rates were lower and it was a buyer 's market. Today, rates are rising and it is a seller 's market ... .should n't it have come in higher than the initial appraisal? Our home should not have lost value!!!!     I asked the  QL  representative hypothetically if we received the loan, defaulted and they took ownership of the home, would they include the hardwood and porcelain floors, solid surface counter tops, on demand boiler system, radiant floor heating, corian window sills, medallion cabinets, composite decking, triple pane windows, 33 acres, etc.. I requested the refund of the appraisal of {$450.00}.
Product: Mortgage

If you refer to my complaint XXXX, I indicated that First Bank Puerto Rico made several failed attempts to pay my hazard insurance from escrow as they are required to do so. Once of their checks to the insurance company was returned because they issued a stop payment because they thought the check was lost and decided to pay by corporate credit card due to the fact that my insurance lapsed. 

To add insult to injury, they are imposing a NSF fee of XXXX for THEIR returned check. Not a check I sent. 

I have attached the letter regarding the NSF fee and escrow transaction history indicating the failed attempts to pay insurance, the credit card payment and THEIR returned check that they sent from my escrow. 

As you also may notice, I have several complaints against First Bank Puerto Rico and also counted 68 complaints, some very similar in nature from other consumers. To that point, I ask what is the role of CFPB because don't see any sanctions or penalties from any of my complaints or the 68 others? 

Does the CFPB really " protect '' the consumer? It appears that the CFPB is allowing First Bank Puerto Rico to abuse many consumers including myself with their sheer incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX got a default judgement against me. It was removed from other two credit reporting agencies, but Equifax refuse to remove it.Disputed with Equifax refused to remove from credit report affecting my credit score and approval. Now it is showing up as a collection account with Equifax saying it 's verified. 

Also two medical collection on report with XXXX for {$95.00} and {$110.00} which was paid by insurance.
Product: Credit card

XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.
Product: Money transfer, virtual currency, or money service

Well this how it came about when I tried going to the PNC Bank on XXXX XXXX XXXX XXXX XXXX Indiana trying to open an account in which I was given a Smartaccess card ending in XXXX O.K. Then it wasn't even a month later I was able to create a account with three different accounts involved O.K. Then a check was written and  deposited into the new account number ending in XXXX O.K. Now the check was deposit and I got a receipt saying it would be available within a few days O.K. Now I went to the branch letting them know about the XX/XX/2019 deposit of {>= $1,000,000} on the card ending in XXXX. They ended up closing the account saying someone may been trying to get ahold of the funds without my consent they closed my account without giving me a reason. I have a copy of the check that was mailed to me with a message saying this is A LEGAL COPY of your check and could be use the same way but at the same time my account was closed without further response. I need some assistance with this matter would be great ly appreciate it when this is resolved. Check number XXXX?
Product: Mortgage

The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX  and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.